10 Ways to Stay Broke...Forever: Why Be Rich When You Can by Laura J. McDonald, Susan L. Misner

By Laura J. McDonald, Susan L. Misner

Tips to switch your free-spending methods, stay luxuriously on the cheap, and construct a legitimate monetary destiny From the founders of GoldenGirlFinance.ca comes a brand new ebook on tips on how to get your monetary apartment so as and luxuriate in the liberty and happiness that incorporates a safe monetary destiny. In 10 how you can remain Broke...Forever , you'll examine why targeting dwelling good now's mainly a route to poverty later. you may have a brand new motor vehicle, a gorgeous condo, and a cloth cabinet to die for, yet you're shortchanging your self in the event you haven't begun saving and making an investment for retirement. In 10 how one can remain Broke ...Forever , own finance professionals Laura McDonald and Susan Misner make it easier to begin making plans for the next day to come this present day. With basic advice and immediately discuss funds, they clarify the issues girls do to stick broke and what you need to do as an alternative. From the founders of GoldenGirlFinance.ca, the best own finance website for Canadian girls Written in an interesting, gaining access to, and conversational variety that takes the terror out of the complicated international of finance positive aspects sensible, actionable recommendation for taking regulate of your own funds with real-life examples and convenient instruments Having cash on your pocket is a brilliant feeling. yet there's not more extraordinary feeling than monetary protection. Having cash within the financial institution ability having strength, threat, and opportunity--and not anything feels greater than that!

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Extra info for 10 Ways to Stay Broke...Forever: Why Be Rich When You Can Have This Much Fun

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Es importante que administre su crédito con cuidado y que se proteja. Volveremos a hablar de este tema en el capítulo 10. No todas las tarjetas de crédito ofrecen crédito. Algunas son tarjetas de cargo, o sea requieren el pago completo cada mes, no cobran interés y no establecen un importe limitado de lo que puede gastar. Otra opción es una tarjeta prepagada o de valor almacenado que está respaldada por dinero real, pagado de antemano. Cuando la usa, se extrae el importe gastado de la cantidad depositada en la tarjeta.

If the process of opening a bank account or applying for a loan seems overwhelming, you’re not alone. Here’s how to help yourself. Before you go to the bank or credit union to open your account, call and ask an account representative or a manager what identification you should bring with you. Don’t expect to be able to pop in and open a bank account in a few minutes on your way to work. Leave enough time to do this right. If the bank’s representative offers you more services than you planned to sign up for, do not feel pressured to make a decision on the spot.

Tarjetas de crédito Una tarjeta de crédito le permite comprar algo por un importe limitado y prorrogar el pago de 15 a 21 días. Es conveniente pagar el total de la cuenta de la tarjeta de crédito a tiempo, para no tener que pagar intereses. Así lo hace el matrimonio Vega. Si no paga el total para la fecha debida, adeudará intereses sobre la cantidad que queda por pagar. También puede pagar cada mes el mínimo debido, que representa el 4 por ciento del saldo total incluyendo interés. Este método lo mantendrá endeudado más tiempo y aumentará los intereses que pagar.

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