Deferred interest promotional offers are often promoted similar to zero percent balance transfers, but they’re a little different. A deferred interest offer will backdate interest on your balance – assess the full finance charge from the start of the promotional period – if you don’t pay the balance by the time the promotional period ends. Always read the terms of your promotional offers to know whether you need to pay off the full balance before the end of the promotional period to avoid paying finance charges on the balance. You don’t want to be caught off guard with several months of finance charges added to your balance.
Your Money or Your Life’s subtitle, ”9 Steps to Transforming Your Relationship with Money & Achieving Financial Independence,” says a lot about co-authors Vicki Robin and Joe Dominguez’s philosophy about personal finance, which is that personal finance is as much as emotional exercise as it is mathematical. Your Money or Your Life was first published in 1992 and has since gone through a revised edition that brought the New York Times Best Seller into the 21st century. Robin and Dominguez give consideration to some of the most common personal finance questions: Do you spend more than you earn? Would you like to change jobs but can’t afford to?
The interface is clean, but perhaps a little too clean. There are no icon buttons for frequently used features. All commands are done from the File, Edit, or another menu. But the online documentation is understandable, so this is definitely worth a try if you want personal finance software with bare-bones features. It’s released as Open Source Software, designed specifically for use with Linux. AceMoney for Linux offers a variety of personal finance reports plus budgeting, investment tracking, and e-commerce features. It imports account transactions from most financial institutions using QIF or OFX downloads, and it supports over 150 currencies. It automatically downloads exchange rates via the internet.
If, for some reason, your minimum payment is less than your finance charge, paying the minimum will result in a bigger, not smaller, balance. Can You Lower Your Finance Charge Amount? Since your finance charge is based on your interest rate and credit card balance, you’ll pay higher finance charges when these amounts are high. You can reduce the amount of interest you pay by paying off your balance faster, requesting a lower interest rate, or by moving your balance to a credit card with a lower interest rate. You can also avoid finance charges altogether by paying your entire balance before the grace period ends. If you pay your balance in full each month, you’ll avoid finance charges completely.
Women, Men, and Money. Yet another personal finance book with a telling subtitle: ”The Four Keys for Using Money to Nourish Your Relationship, Bankbook, and Soul.” In Women, Men, and Money Author William Devine goes beyond the practical ins and outs of personal finance and gets to the emotion and meaning behind money, ”showing you how to earn, spend, invest, negotiate, and communicate about money” in a way that will enrich your relationship with your significant other.
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