Money Clips

Try a homemade breakfast in bed vs. an expensive brunch out. You may find she appreciates not getting dressed up. You will find you have more quality time without waiters hovering and other patrons sitting only a few feet away. You won’t have to rush and you can cook only things that she likes the way she likes them.

Remember, if you like these tips please feel free to pass them on. It helps me to grow my business. As a small business owner, our marketing is word of mouth and building trusted relationships with people.

If you have tips of your own that you’d like to share, please email me and I’ll share with appropriate attribution (I’ll give you credit). Trying to keep your money in your pocket? Remember to use a money clip.

Crazy 4 Money Clips

Crazy Bill Wilson Copyright 2010

Since most, no each of us, have a mother, i thought it would be appropriate to develop a list of ways to make sure you mom feels special this mothers day without spending lots of money.  This should actually make your mom happy too.  Most mom’s would rather know we have enough money to take care of ourselves and don’t want us spending lots of it on them.  If you are wondering what to get your mom this mother’s day and want to due so on a budget, stay tuned over the next week four our top ten Mother’s Day Savings Tips. 

Remember, if you like these tips please feel free to pass them on. It helps me to grow my business. As a small business owner, our marketing is word of mouth and building trusted relationships with people.

If you have tips of your own that you’d like to share, please email me and I’ll share with appropriate attribution (I’ll give you credit). Trying to keep your money in your pocket? Remember to use a money clip.

Crazy 4 Money Clips

Crazy Bill Wilson Copyright 2010

Here’s and idea from a customer that I thought was worth sharing.  Any time you have hints, advice or tips, please pass along so that I can share.

“For those that are in over their heads and have “mountains of debt. Nonprofit consumer credit counseling services agencies stand ready to help consumers restructure their personal finances and build better habits for the future. Bill consolidation through a debt management plan can be a great tool to help some people organize their finances and get spending under control.”

Remember, if you like these tips please feel free to pass them on. It helps me to grow my business. As a small business owner, our marketing is word of mouth and building trusted relationships with people.

Again, if you have tips of your own that you’d like to share, please email me and I’ll share with appropriate attribution (I’ll give you credit). Trying to keep your money in your pocket? Remember to use a money clip.

Crazy 4 Money Clips

Crazy Bill Wilson Copyright 2010

By popular demand, here is a summary of the 2010 ways to save money with a credit card. No kidding, put your credit card to work for you. Rather than paying late fees, interest charges, penalties, and thinking of your credit card as a necessary evil, put your card to work for you as part of your new cost saving strategy. As always, If you are looking for more details about each of these tips you can find them under our money savings tips blog at our website http://www.crazy4moneyclips.com.

Top 12 Credit Card Savings Ideas

1) Limit your number of credit cards – With Credit Cards, less is more.

2) Don’t Carry a Balance – Carrying a balance is the most expensive way to borrow cash - don’t do it.

3) Use Credit not Debit – Pay with Credit and use someone else’s money for the month vs. yours.

4) Don’t Pay Renewal Fee’s – Why pay a fee when you probably don’t have too.

5) Pay your Bills On time – Don’t get hit with a late fee.

6) Look at your Credit Card Statement – Make sure you weren’t double charged, charged for something you didn’t buy, and that you receive all credits from returns.

7) Get a Credit Card that gets you Stuff – As long as you are spending anyway, it never hurts to rack up a few points

8) Check your credit score – Better your credit score, the better rates and higher limits you should qualify for.

9) Don’t take a cash advance on your credit card - On cash advances you pay interest from the moment you take the advance. Very expensive. Don’t do it.

10) Don’t go over your credit limit - Again, if you do this, there will be penalty fees.

11) Be Careful of 0% interest teasers – There is no such thing as a free lunch and though free for a few months, typically it adjusts way up.

12) Set a Credit Card Budget – It helps to know your limits.

13) Consolidate Bills for Your Benefit – Simplify your life.

These tips brought to you by www.crazy4moneyclips.com

Remember, if you like these tips please feel free to pass them on. It helps me to grow my business. As a small business owner, our marketing is word of mouth and building trusted relationships with people.

If you have tips of your own that you’d like to share, please email me and I’ll share with appropriate attribution (I’ll give you credit). Trying to keep your money in your pocket? Remember to use a money clip.

Crazy 4 Money Clips

Crazy Bill Wilson Copyright 2010

Paying many bills at the end of the month can be tedious and time consuming. See if you can put your utilities and other monthly bills on auto pay with your credit card. Then you are not paying cash for these services but credit. Then at the end of the month, you should have one bill to pay - your credit card bill. You MUST however pay it off in full. Otherwise you are wasting money. As you’ve read in other posts, don’t carry a balance.

Remember, if you like these tips please feel free to pass them on. It helps me to grow my business. As a small business owner, our marketing is word of mouth and building trusted relationships with people.

If you have tips of your own that you’d like to share, please email me and I’ll share with appropriate attribution (I’ll give you credit). Trying to keep your money in your pocket? Remember to use a money clip.

Crazy 4 Money Clips

Crazy Bill Wilson Copyright 2010

You may find it helpful to figure out how much money a month you can put on your credit card and then use that amount as your credit card budget. Sometimes utility companies and other monthly bills can be paid with your credit card. Put them on the list too. Figure out how much you can successfully put on your card and then pay off in full.

Remember, if you like these tips please feel free to pass them on. It helps me to grow my business. As a small business owner, our marketing is word of mouth and building trusted relationships with people.

If you have tips of your own that you’d like to share, please email me and I’ll share with appropriate attribution (I’ll give you credit). Trying to keep your money in your pocket? Remember to use a money clip.

Crazy 4 Money Clips

Crazy Bill Wilson Copyright 2010

As with anything that seems to good to be true, this one probably is. It is likely possible that the 0% is an introductory rate. After the first three months of 0%, the interest rate will likely go up and likely go up very high. After enjoying the first month’s interest free, you may find yourself owing a lot of interest charges for balances that you did not pay off due to the 0% rate. Make sure you read the fine print to see what your interest rate will adjust to after the initial period is over.

Remember, if you like these tips please feel free to pass them on. It helps me to grow my business. As a small business owner, our marketing is word of mouth and building trusted relationships with people.

If you have tips of your own that you’d like to share, please email me and I’ll share with appropriate attribution (I’ll give you credit). Trying to keep your money in your pocket? Remember to use a money clip.

Crazy 4 Money Clips

Crazy Bill Wilson Copyright 2010

Each credit card has a limit to the money that they will allow you to spend. Don’t go over the limit. If you go over the limit, there are charges involved that you don’t want to pay. Your credit limit should be on each of your statements somewhere towards the top. As you pay your bills on time and show the company that you are a good credit risk, your credit limit will go up. Know what your credit limit is and make sure that you are able to stay well under it.

Remember, if you like these tips please feel free to pass them on. It helps me to grow my business. As a small business owner, our marketing is word of mouth and building trusted relationships with people.

If you have tips of your own that you’d like to share, please email me and I’ll share with appropriate attribution (I’ll give you credit). Trying to keep your money in your pocket? Remember to use a money clip.

Crazy 4 Money Clips

Crazy Bill Wilson Copyright 2010

If you take a cash advance on most credit cards, rather than give you the interest free thirty day grace period, they begin charging interest ASAP. Bottom line, this is very expensive for you. This is one of the if not the most expensive ways that you have to getting cash. Don’t do it unless an absolute necessity.

Remember, if you like these tips please feel free to pass them on. It helps me to grow my business. As a small business owner, our marketing is word of mouth and building trusted relationships with people.

If you have tips of your own that you’d like to share, please email me and I’ll share with appropriate attribution (I’ll give you credit). Trying to keep your money in your pocket? Remember to use a money clip.

Crazy 4 Money Clips

Crazy Bill Wilson Copyright 2010

I think that it’s helpful to know your credit score so that when you are applying for any type of credit you will be armed prior with the knowledge that they already know about you. You can get your credit score free from any of the three credit bureaus. The free version is by mail. If you want to pay, which I do not suggest, you can purchase immediately online.

• Equifax 1-800-685-1111 This one lets you get a free report if you have been denied credit in the last 60 days. Option 2. Make sure that you order only the credit report. Mail within 48 hours.
• TransUnion - 800-916-8800 - mail within 6 to 8 business days.
• Experian - 888-397-3742 - receive within 8 to 10 business days.

Once you are armed with your credit score, you will know if you are a good or bad credit risk. If you are a good credit risk, you should be able to pay very low rates. If you are a bad credit risk, check to see if the credit records are correct. If so, work to get your score up prior to taking on debt.

Remember, if you like these tips please feel free to pass them on. It helps me to grow my business. As a small business owner, our marketing is word of mouth and building trusted relationships with people.

If you have tips of your own that you’d like to share, please email me and I’ll share with appropriate attribution (I’ll give you credit). Trying to keep your money in your pocket? Remember to use a money clip.

Crazy 4 Money Clips

Crazy Bill Wilson Copyright 2010