Sunday, June 5, 2011

FINANCIAL : PEACE OF MIND

Financial can be a peace of mind..If, you know the way..
and the way can be a peace of cake!!
It's up to you..



NO.1 
Ditch your credit card if it has an annual fee attached, but first, make sure you are      eligible for new credit. Issuers have tightened their lending standards, and you don’t want to be left without access to any credit.

NO.2
Don’t use an ATM if it charges you a fee.

NO.3
Bank where free checking is offered.

NO.4
Put your money where it earns the most by finding the best rates available for savings and CDs. You can compare rates at CreditCards.com and Bankrate.com.

NO.5
Buy generic groceries which are estimated to be 27 percent cheaper than their name-brand counterparts, and are often made by the same company.

NO.6
Get back to the basics and start cutting coupons.

NO.7
Utilize any savings plans at work. If your company offers a Flexible Spending Account (FSA), but you’ve never bothered to investigate it, now’s the time. Taking advantage of the savings allowed by earmarking expenses to be paid through an FSA can result in real savings.

NO.8
Consider cutting back on contributions to your retirement plan at work. When you’re trying to find extra money, this is a much better option than dipping into your actual retirement account. Just remember to play catch-up when your finances turn the corner.

NO.9
Make sure you’ve taken advantage of every tax credit and/or deduction available to you. 

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