Expert Personal Finance Advice You Can Use Year After Year ...

Improve your finances by learning how to give yourself haircuts. This tip is not for everyone, but electric clippers are a simple way for men to cut their hair. There are many books available that provide instruction for women on layered and other types of haircuts that can be done at home.

If at all possible, pay off your credit card balances in full. Only put as much as you can pay off on the credit card each month. It will show that you are a responsible borrower and it will increase your credit rating as well as make it easier to take out lines of credit in the future.

Try to avoiding using your credit card unless it is absolutely necessary. For smaller purchases, go the cash route. New legislation allows stores to require a credit card minimum of $10 for transactions. Make sure to carry cash or a debit card if you intend to make under $10 in purchases.

Before purchasing an appliance or electronic device, take a few minutes to read customer reviews and consumer reports. This information can help you to make a better decision and get more for your money. It will also make it easier to identify products that are likely to require frequent or costly repairs.

File important financial documents where you can find them quickly when needed. This includes loan and mortgage documents, tax returns, insurance policies, and bank statements. It is stressful enough to suddenly need one of these documents without the added anxiety of not knowing where to find it. To be extra safe, keep copies of essential papers in another location, such as a safe deposit box.

Think about setting up a car pool with people that you work with. If several of you live in the same area, this is a great way to save money on gas. It has the added benefit of possibly improving your relationships with the people that you work with, as well.

Do you often spend too much at the grocery store? To save money and calories, make a shopping list and stick to it. Make a weekly menu and write up a list of what you will need for the week. Buy only what you need and resist the temptation to buy impulsively. And if you really want to save, leave the kids at home!

One of the most important things a consumer can do in today?s economy is be financially smart about credit cards. In the past consumers were allowed to write off interest on their credit cards on their tax return. For some years now this has no longer been the case. For this reason, the most important habit consumers can have is pay off as much of their credit card balance as possible.

Personal finance should be a subject you are a master in now. Don?t you feel like you can give anyone advice on how to manage their personal finances, now? Well, you should feel like that, and what?s really great is that this is knowledge that you can pass on to other people. Be sure to spread the good word and help not only yourself, but help others manage their finances, as well.

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Source: http://answers.apostoliccm.com/2012/08/expert-personal-finance-advice-you-can-use-year-after-year/

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