How to Pay Down Your Credit Card Debt
by J. Richard Shanley
Credit card debt hampers our lives. It gets in the way of our days, it interrupts our blissful nights, and it destroys our futures. How can you save for tomorrow when you have tens of thousands of dollars of debt to pay for first? The answer is simple: you can't. You need to eliminate your credit card debt in order to pave the way for a more tranquil, more secure future.
Why Eliminate Credit Card Debt?
You may think that your monthly payment to your credit cards are low. Why should you spend my hard-earned dollars getting rid of it? The answer is simple: The sooner you rid yourself of credit card debt, the sooner you can enjoy your life to its fullest.
It should not be that difficult to convince you to pay off your credit card debt immediately.
Let's take a look at what happens when you carry a balance on your credit card. Let's say that you owe the company $12,000. Assume you are paying back the debt at 12% interest. If you pay the minimum monthly payments, it will take 256 months to eliminate the debt. That's over 22 years! Twenty-two years! In that time, you will have paid an additional $6,500 in interest. (Please note: Even if your interest rate is considerably lower, it still takes years to pay off your payments. AND you will pay thousands of dollars in interest payments. That's money wasted!)
Ouch. Often time, the minimum payment is the only payment that individuals can afford. It is that minimum payment, though, that continues the vicious cycle of credit card debt. Credit cards--and minimum payments--keep you in financial bondage.
Now, if you were able to find a way to add an extra $100 to that payment, guess what happens? You would be able to cut the life of that loan by 19 years. Additionally, you would save over $5,000 in interest payments. Although for some, it is impossible to find an extra $100/month, for most is simply not that difficult. One-hundred dollars a month is less than spending 4 hours a week at a part time job.
It is that simple.
How Can I Find The Extra Money?
As I have just stated, it is not that hard to come up with an extra $100/month. You can find part-time work on the weekends. You can sell stuff on ebay. You can sell stuff at a garage sale. You can babysit during the weeknights or weekends for friends and neighbors. Deliver pizzas. Work at a coffee shop. You can cut out the vices and trouble spots in your budget that only prove to be a financial drain. There are more than a million ways to make an extra $1200/year.
The interesting part about it: Once you start making more money and once you start paying down that debt, you are not going to want to stop. So, take the important first steps and figure out a plan to pay down your debt and get your financial life in order.
วันอาทิตย์ที่ 6 เมษายน พ.ศ. 2551
How to Lower Your Credit Card APR
How to Lower Your Credit Card APR
by J. Richard Shanley
From time-to-time, we hear of ways to lower your credit card's APR. "Just pick up the phone and call your bank," they say. If you've tried to do lower your cards APR, you may find that it's not that easy. You do have to do the work to get your annual percentage rate lowered. The upside: you can get your rate lowered. The downside: It may not happen for a few months.
1. Maintain an excellent payment history. Make sure your payments are on time. On time payments, in my opinion, reflect positively on your ability to get your APR lowered. When talking to the customer service representative, stress the fact that you have not been late with your payments for X amount of time. Also, stress how long you've been with the company. Talk up your sense of customer loyalty.
2. Do your research. If you APR is too high and you want to take your business somewhere else, be sure you've done your research. When you're on the phone with the representative, have the most attractive offers in front of you so you can cite the reasons why you're thinking of a balance transfer.
3. Be polite. This one can not be overstated: Be polite, be polite, be polite. These men and women work hard at their jobs for hours on end. Clearly they'll respond more positively to someone who treats them with respect than they will with someone who is demanding and rude. (Plus, you have to figure that they deal with angry and irate customers all day long.)
4. Keep climbing up the ladder. Remember, these men and women are trained professionals. Be courteous and calm when they deny your request the first time (because they will). Ask for the supervisor. Often times, they're the only ones able to approve such questions.
5. Be persistent. Sometimes you'll be denied and there's nothing you can do about it. It frustrates me when this happens as I often think of myself as the customer service king. But even for those of you who don't take "no" for an answer, sometimes there's nothing else you can do. Work on getting your finances under control and make the call a few weeks or a few months down the road.
The financial gurus paint a rosy picture about lowering your APR. It's not as easy as it looks. Often times, people hang up feeling more frustrated and helpless than they did when they made the call. Be mindful of the process and the work involved.
by J. Richard Shanley
From time-to-time, we hear of ways to lower your credit card's APR. "Just pick up the phone and call your bank," they say. If you've tried to do lower your cards APR, you may find that it's not that easy. You do have to do the work to get your annual percentage rate lowered. The upside: you can get your rate lowered. The downside: It may not happen for a few months.
1. Maintain an excellent payment history. Make sure your payments are on time. On time payments, in my opinion, reflect positively on your ability to get your APR lowered. When talking to the customer service representative, stress the fact that you have not been late with your payments for X amount of time. Also, stress how long you've been with the company. Talk up your sense of customer loyalty.
2. Do your research. If you APR is too high and you want to take your business somewhere else, be sure you've done your research. When you're on the phone with the representative, have the most attractive offers in front of you so you can cite the reasons why you're thinking of a balance transfer.
3. Be polite. This one can not be overstated: Be polite, be polite, be polite. These men and women work hard at their jobs for hours on end. Clearly they'll respond more positively to someone who treats them with respect than they will with someone who is demanding and rude. (Plus, you have to figure that they deal with angry and irate customers all day long.)
4. Keep climbing up the ladder. Remember, these men and women are trained professionals. Be courteous and calm when they deny your request the first time (because they will). Ask for the supervisor. Often times, they're the only ones able to approve such questions.
5. Be persistent. Sometimes you'll be denied and there's nothing you can do about it. It frustrates me when this happens as I often think of myself as the customer service king. But even for those of you who don't take "no" for an answer, sometimes there's nothing else you can do. Work on getting your finances under control and make the call a few weeks or a few months down the road.
The financial gurus paint a rosy picture about lowering your APR. It's not as easy as it looks. Often times, people hang up feeling more frustrated and helpless than they did when they made the call. Be mindful of the process and the work involved.
วันเสาร์ที่ 5 เมษายน พ.ศ. 2551
Are Credit Card Loss Protection Offers Worth It?
Are Credit Card Loss Protection Offers Worth It?
by sas_upena1
I see questions and statements like this all over the Internet:
"I got a call from a woman who said I need credit card loss protection insurance. I thought there was a law that limited my liability to $50 for unauthorized charges. But she said the law had changed and that now, people are liable for all unauthorized charges on their account. Is that true?"
Don't buy the pitch - and don't buy the "loss protection" insurance. Telephone scam artists are lying to get people to buy worthless credit card loss protection and insurance programs. If you didn't authorize a charge, don't pay it. Follow your credit card issuer's procedures for disputing charges you haven't authorized. According to the Federal Trade Commission, your liability for unauthorized charges is limited to $50.
Worthless credit card loss protection offers are popular among fraudulent promoters who are trying to exploit consumers' uncertainty. As a result, the agency is cautioning consumers to avoid doing business with callers who claim that:
- you're liable for more than $50 in unauthorized charges on your credit card account;
- you need credit card loss protection because computer hackers can access your credit card number and charge thousands of dollars to your account;
- a computer bug could make it easy for thieves to place unauthorized charges on your credit card account; and
- they're from "the security department" and want to activate the protection feature on your credit card.
Consumers should never give out personal information - including their credit card or bank account numbers - over the phone or online unless they are familiar with the business that's asking for it. Scam artists can use your personal information to commit fraud, such as identity theft. That's where someone uses some piece of your personal information, such as your credit card account number, Social Security number, mother's maiden name, or birth date, without your knowledge or permission to commit fraud or theft. An all-too-common example is when an identity thief uses your personal information to open a credit card account in your name.
Remember to notify the credit card company as quickly as possible. Even if you have just misplaced your credit card, call and cancel it. It is better to get the card cancelled, find it later, and get it restored.
Keep a list of the toll free numbers that your credit card issuer has placed on the back of the card. Keep it somewhere other than where your credit cards are. I email a copy to an online email account so I can access it anywhere.
Do your best to protect your credit cards. And don't forget to report it to the credit report bureaus.
by sas_upena1
I see questions and statements like this all over the Internet:
"I got a call from a woman who said I need credit card loss protection insurance. I thought there was a law that limited my liability to $50 for unauthorized charges. But she said the law had changed and that now, people are liable for all unauthorized charges on their account. Is that true?"
Don't buy the pitch - and don't buy the "loss protection" insurance. Telephone scam artists are lying to get people to buy worthless credit card loss protection and insurance programs. If you didn't authorize a charge, don't pay it. Follow your credit card issuer's procedures for disputing charges you haven't authorized. According to the Federal Trade Commission, your liability for unauthorized charges is limited to $50.
Worthless credit card loss protection offers are popular among fraudulent promoters who are trying to exploit consumers' uncertainty. As a result, the agency is cautioning consumers to avoid doing business with callers who claim that:
- you're liable for more than $50 in unauthorized charges on your credit card account;
- you need credit card loss protection because computer hackers can access your credit card number and charge thousands of dollars to your account;
- a computer bug could make it easy for thieves to place unauthorized charges on your credit card account; and
- they're from "the security department" and want to activate the protection feature on your credit card.
Consumers should never give out personal information - including their credit card or bank account numbers - over the phone or online unless they are familiar with the business that's asking for it. Scam artists can use your personal information to commit fraud, such as identity theft. That's where someone uses some piece of your personal information, such as your credit card account number, Social Security number, mother's maiden name, or birth date, without your knowledge or permission to commit fraud or theft. An all-too-common example is when an identity thief uses your personal information to open a credit card account in your name.
Remember to notify the credit card company as quickly as possible. Even if you have just misplaced your credit card, call and cancel it. It is better to get the card cancelled, find it later, and get it restored.
Keep a list of the toll free numbers that your credit card issuer has placed on the back of the card. Keep it somewhere other than where your credit cards are. I email a copy to an online email account so I can access it anywhere.
Do your best to protect your credit cards. And don't forget to report it to the credit report bureaus.
วันศุกร์ที่ 4 เมษายน พ.ศ. 2551
Using Credit Card Consolidation To Repair Your Rating
Using Credit Card Consolidation To Repair Your Rating
by Susan Slobac
If you have faced a challenging life situation that left you with a bad credit rating, there are routes back to solid ground. By starting fresh with a low APR credit card or credit card consolidation, you can actually repair and rebuild your rating. Card-issuing companies report to the three major credit bureaus each month. As you pay your bill on time, the bureaus will hear about it, and in this way you can improve your current standing.
There are a couple of steps you can take to improve your credit rating. One is to look into credit card consolidation, and the other is to compare credit cards for the best terms to help you get back on your feet.
Credit Card Consolidation Facts
One main way that people can improve out of control card balances is to consider credit card consolidation. Many people do this by taking out a second mortgage against the equity they have in their houses or their cars, and then taking that money to pay off the credit card balances. Not only does this wipe out your credit card debt, but you can then count your monthly second mortgage interest payments as tax deductible, unlike credit card interest payments.
Another advantage to credit card consolidation is that it allows you to pay one single payment rather than several smaller ones. That is a lot of time saved each and every month. Credit card consolidation can also be used to help you find a lower interest rate or to receive a fixed interest rate. Variable-rate interest cards are often based on a percentage rate plus the prime rate, so it can change from day to day due to variances in the prime rate. With a fixed rate low APR credit card, there are no surprises.
Compare Credit Cards to Find a Low APR Credit Card That is Right for You
Orchard Bank offers both MasterCard and Visa credit cards that will provide you with protection on your purchases. They also offer, in addition to monthly credit reporting, credit increases at regular intervals. They also give all their clients 24-hour online customer service, so that you can pay your bills and access your account anytime you wish.
Centennial Gold also offers a MasterCard/Visa that offers this under ten percent ow APR credit card for your purchases, and they also report to the major credit bureaus.
You will want to compare credit cards to find the best deal offered that will not only give you a low APR but will also help to improve your current credit score.
by Susan Slobac
If you have faced a challenging life situation that left you with a bad credit rating, there are routes back to solid ground. By starting fresh with a low APR credit card or credit card consolidation, you can actually repair and rebuild your rating. Card-issuing companies report to the three major credit bureaus each month. As you pay your bill on time, the bureaus will hear about it, and in this way you can improve your current standing.
There are a couple of steps you can take to improve your credit rating. One is to look into credit card consolidation, and the other is to compare credit cards for the best terms to help you get back on your feet.
Credit Card Consolidation Facts
One main way that people can improve out of control card balances is to consider credit card consolidation. Many people do this by taking out a second mortgage against the equity they have in their houses or their cars, and then taking that money to pay off the credit card balances. Not only does this wipe out your credit card debt, but you can then count your monthly second mortgage interest payments as tax deductible, unlike credit card interest payments.
Another advantage to credit card consolidation is that it allows you to pay one single payment rather than several smaller ones. That is a lot of time saved each and every month. Credit card consolidation can also be used to help you find a lower interest rate or to receive a fixed interest rate. Variable-rate interest cards are often based on a percentage rate plus the prime rate, so it can change from day to day due to variances in the prime rate. With a fixed rate low APR credit card, there are no surprises.
Compare Credit Cards to Find a Low APR Credit Card That is Right for You
Orchard Bank offers both MasterCard and Visa credit cards that will provide you with protection on your purchases. They also offer, in addition to monthly credit reporting, credit increases at regular intervals. They also give all their clients 24-hour online customer service, so that you can pay your bills and access your account anytime you wish.
Centennial Gold also offers a MasterCard/Visa that offers this under ten percent ow APR credit card for your purchases, and they also report to the major credit bureaus.
You will want to compare credit cards to find the best deal offered that will not only give you a low APR but will also help to improve your current credit score.
วันพฤหัสบดีที่ 3 เมษายน พ.ศ. 2551
Using A 0 Interest On Balance Transfer Credit Card For Managing Credit Card Debt
Using A 0 Interest On Balance Transfer Credit Card For Managing Credit Card Debt
by C.R. Hayes
If you carry a balance on numerous credit cards, pay close attention.
How would you like to reduce your number of monthly payments, AND eliminate possibly years worth of interest payments? You can, and managing credit card debt is quite easy this way.
For your information, you may be able to consolidate any balances you now have to a single payment (credit limit allowing), and pay absolutely no interest for up to 18 months. Do you think you can qualify? If you have a good credit score, chances are you do qualify.
Can you see how using a 0 interest on balance transfer credit card can reduce your credit card debt, and eventually totally eliminate that debt in a much shorter time frame? And, what makes it even better is that you can apply online, with no face-to-face interaction, and no waiting for a loan agent to schedule you an appointment.
This is how it works:
1. You apply online for your new card.
2. Once approved, you provide the new company with the details of other cards of which you wish to transfer the balances over to them (company, account number, account balance, etc).
After the transfer has taken place, you:
1. No longer have to make those payments to your old credit card company(s) if you paid them in full via the transfer.
2. Pay as much as you can on your new balance with this new company each month to take advantage of their interest-free loan.
This can save you an awful lot of hard earned money! Think about it, no interest to pay for the promotional period (usually anywhere from 6 to 18 months). The total amount of your payment each of these months goes directly to the principle, cutting down your payoff time anywhere from months to years.
Your new bank card may offer you a credit limit that could enable you to consolidate several different outstanding credit card debts into one. If you only eliminated one card which charged you interest your still ahead of the game.
Apply online today (we'll show you where to get the best deal) and get your 0 interest on balance transfer credit card to better manage your finances. You'll be glad you did.
by C.R. Hayes
If you carry a balance on numerous credit cards, pay close attention.
How would you like to reduce your number of monthly payments, AND eliminate possibly years worth of interest payments? You can, and managing credit card debt is quite easy this way.
For your information, you may be able to consolidate any balances you now have to a single payment (credit limit allowing), and pay absolutely no interest for up to 18 months. Do you think you can qualify? If you have a good credit score, chances are you do qualify.
Can you see how using a 0 interest on balance transfer credit card can reduce your credit card debt, and eventually totally eliminate that debt in a much shorter time frame? And, what makes it even better is that you can apply online, with no face-to-face interaction, and no waiting for a loan agent to schedule you an appointment.
This is how it works:
1. You apply online for your new card.
2. Once approved, you provide the new company with the details of other cards of which you wish to transfer the balances over to them (company, account number, account balance, etc).
After the transfer has taken place, you:
1. No longer have to make those payments to your old credit card company(s) if you paid them in full via the transfer.
2. Pay as much as you can on your new balance with this new company each month to take advantage of their interest-free loan.
This can save you an awful lot of hard earned money! Think about it, no interest to pay for the promotional period (usually anywhere from 6 to 18 months). The total amount of your payment each of these months goes directly to the principle, cutting down your payoff time anywhere from months to years.
Your new bank card may offer you a credit limit that could enable you to consolidate several different outstanding credit card debts into one. If you only eliminated one card which charged you interest your still ahead of the game.
Apply online today (we'll show you where to get the best deal) and get your 0 interest on balance transfer credit card to better manage your finances. You'll be glad you did.
วันอังคารที่ 1 เมษายน พ.ศ. 2551
Financial Benefits of Low APR Credit Cards
Financial Benefits of Low APR Credit Cards
by Susan Slobac
Low APR credit cards and low interest credit cards offer consumers the best interest rates and many other rewards in return for using these popular cards. When you are looking for a new credit card, low interest rate percentages can mean a big difference in the total amount you will pay on credit. Depending on the specific card offer, you will receive zero interest for anywhere from six to twelve months on purchases and balance transfers. In addition, many low APR credit cards also provide with rewards including cash back based on the type and amount of your purchases, as well as discounts on fuel purchases and points that can be turned in for airline travel, hotel and car reservations.
Discover Offers Low Interest Credit Cards Just Right For You
In addition to low APR credit cards from Discover, these cards also offer you a substantial cash back reward as well. For online purchases you can earn up to twenty percent cash back, and Discover works with their cash back bonus partners to bring you double rewards when you shop with them. Discover cards also come with very fast responses to your customer service questions, whether over the telephone or online, anytime it fits into your busy schedule.
Look to American Express for a Low Fixed Interest Credit Card
The Blue from American Express card is a shopper's dream. They offer these low APR credit cards for a long fifteen month grace period, and they do it with no annual fee. This is also a wonderful low fixed interest credit card for your balance transfers, where a single-digit fixed interest rate will apply for the entire time it takes to pay off the balance.
If you travel often for business or pleasure, then you would appreciate the benefits that come from having the Blue Sky from American Express card. Not only are these Low APR credit cards, but this one from American Express allows you to earn points that can be redeemed for cruises, rental cars, hotels and airline tickets with no travel restrictions or blackout dates. This card comes to you with no annual fee and also offers zero percent interest for the first 6 months.
Some low interest credit cards can literally help you save money. One from American Express will place one percent of all your eligible purchases into an insured high-yield savings account registered in your name.
Low APR credit cards not only save money on finance charges but also offer you many different and enticing rewards and benefits.
by Susan Slobac
Low APR credit cards and low interest credit cards offer consumers the best interest rates and many other rewards in return for using these popular cards. When you are looking for a new credit card, low interest rate percentages can mean a big difference in the total amount you will pay on credit. Depending on the specific card offer, you will receive zero interest for anywhere from six to twelve months on purchases and balance transfers. In addition, many low APR credit cards also provide with rewards including cash back based on the type and amount of your purchases, as well as discounts on fuel purchases and points that can be turned in for airline travel, hotel and car reservations.
Discover Offers Low Interest Credit Cards Just Right For You
In addition to low APR credit cards from Discover, these cards also offer you a substantial cash back reward as well. For online purchases you can earn up to twenty percent cash back, and Discover works with their cash back bonus partners to bring you double rewards when you shop with them. Discover cards also come with very fast responses to your customer service questions, whether over the telephone or online, anytime it fits into your busy schedule.
Look to American Express for a Low Fixed Interest Credit Card
The Blue from American Express card is a shopper's dream. They offer these low APR credit cards for a long fifteen month grace period, and they do it with no annual fee. This is also a wonderful low fixed interest credit card for your balance transfers, where a single-digit fixed interest rate will apply for the entire time it takes to pay off the balance.
If you travel often for business or pleasure, then you would appreciate the benefits that come from having the Blue Sky from American Express card. Not only are these Low APR credit cards, but this one from American Express allows you to earn points that can be redeemed for cruises, rental cars, hotels and airline tickets with no travel restrictions or blackout dates. This card comes to you with no annual fee and also offers zero percent interest for the first 6 months.
Some low interest credit cards can literally help you save money. One from American Express will place one percent of all your eligible purchases into an insured high-yield savings account registered in your name.
Low APR credit cards not only save money on finance charges but also offer you many different and enticing rewards and benefits.
Free Yourself From Credit Card Debt
Free Yourself From Credit Card Debt
by Melissa Kellett
When you owe too much money on your credit cards and you can't meet the minimum payments. Penalty fees and interest rates start being applied and debt keeps growing at a continually increasing rate. You know you must put an end to this situation but you don't know how to do it? A debt consolidation loan can be the answer to your problems.
If you can control your spending, a debt consolidation loan will give you some space for reorganizing your finances and start reducing your debt on a continued pace. A debt consolidation loan alone won't solve your problems though. You need to have some discipline, cut your spending dramatically and stick to a budget rigorously in order for a debt consolidation/reduction plan to work.
Credit Card Debt Spiraling
The main problem with credit card debt is that due to the high interest rates that credit card financing implies, it can easily escalate and go out of control. The possibility to make only minimum payments that increase in a slower rate than the debt itself is extremely tempting but leads hopelessly to debt accumulation. Eventually, minimum payments become unaffordable and a late payment or a missed payment triggers credit cards' penalty fees and rates that boost this process even more, making debt reach new heights.
To put a stop to this, one needs to refrain from using the credit cards and start making more than the minimum payments because sometimes even the minimum payments won't cover for the amounts added due to interest, fees and other costs. However, this is not always possible and so; another source of finance must be used to cope with this problem. That's when Debt Consolidation Loans become an invaluable aid.
Consolidating Credit Card Debt
A Debt Consolidation Loans will let you cancel your credit card balances in full so they stop generating high amounts of interests. You'll only have to worry about a single monthly installment: The debt consolidation loan payment. The interest rate charged for the money will be considerably lower and the repayment program will be flexible enough so you can easily afford the monthly payments.
However, you need to be extremely careful, because, unless you stop using your credit cards, the debt consolidation loan won't be anything but an invitation to continue increasing your debt to new and higher amounts and the only solution this next time will be to file for bankruptcy. In order to avoid such situation you need to change your spending behavior.
The best thing you can do is to destroy all your credit cards but one or two. Do the same with all your store cards (store cards carry a lot higher interest rates than regular credit cards so you need to be extra careful with them). Even after getting rid of all your cards but one or two, you need to refrain from using the ones left unless the expenses are really necessary. You can use this procedure: Before buying anything think whether you have the cash to pay for it or not, if you don't then you shouldn't buy it unless it is an essential and urgent need like food or medicine.
by Melissa Kellett
When you owe too much money on your credit cards and you can't meet the minimum payments. Penalty fees and interest rates start being applied and debt keeps growing at a continually increasing rate. You know you must put an end to this situation but you don't know how to do it? A debt consolidation loan can be the answer to your problems.
If you can control your spending, a debt consolidation loan will give you some space for reorganizing your finances and start reducing your debt on a continued pace. A debt consolidation loan alone won't solve your problems though. You need to have some discipline, cut your spending dramatically and stick to a budget rigorously in order for a debt consolidation/reduction plan to work.
Credit Card Debt Spiraling
The main problem with credit card debt is that due to the high interest rates that credit card financing implies, it can easily escalate and go out of control. The possibility to make only minimum payments that increase in a slower rate than the debt itself is extremely tempting but leads hopelessly to debt accumulation. Eventually, minimum payments become unaffordable and a late payment or a missed payment triggers credit cards' penalty fees and rates that boost this process even more, making debt reach new heights.
To put a stop to this, one needs to refrain from using the credit cards and start making more than the minimum payments because sometimes even the minimum payments won't cover for the amounts added due to interest, fees and other costs. However, this is not always possible and so; another source of finance must be used to cope with this problem. That's when Debt Consolidation Loans become an invaluable aid.
Consolidating Credit Card Debt
A Debt Consolidation Loans will let you cancel your credit card balances in full so they stop generating high amounts of interests. You'll only have to worry about a single monthly installment: The debt consolidation loan payment. The interest rate charged for the money will be considerably lower and the repayment program will be flexible enough so you can easily afford the monthly payments.
However, you need to be extremely careful, because, unless you stop using your credit cards, the debt consolidation loan won't be anything but an invitation to continue increasing your debt to new and higher amounts and the only solution this next time will be to file for bankruptcy. In order to avoid such situation you need to change your spending behavior.
The best thing you can do is to destroy all your credit cards but one or two. Do the same with all your store cards (store cards carry a lot higher interest rates than regular credit cards so you need to be extra careful with them). Even after getting rid of all your cards but one or two, you need to refrain from using the ones left unless the expenses are really necessary. You can use this procedure: Before buying anything think whether you have the cash to pay for it or not, if you don't then you shouldn't buy it unless it is an essential and urgent need like food or medicine.
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