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ARTICLES |
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Banking
Articles on banking, managing
your checking accounts, and spending wisely
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Bankruptcy
Articles
on preventing bankruptcy, filing bankruptcy, and recovering from bankruptcy
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Budgeting
Articles on
creating a budget, tips on sticking with your budget, and successful
financial planning
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Credit Cards
Articles
on using Credit Cards wisely, understanding Interest Rates and Annual
Percentage Rates, and what to watch out for with Credit Cards
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Credit Repair
Articles on Credit Counseling, Debt Settlement, Debt Consolidation as well
as cleaning up your credit
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Credit
Report/Score
Articles on what your credit report is, how it effects you, and what you can
do to change and improve your credit score
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Debt Management
Articles on Debt
Management: How to analyze & manage your debts, and how to recognize if your
debts are getting out of control
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Insurance
Articles
explaining home, life, health, car, and even pet insurance and how you can
save money on each
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Investing
Articles on
buying and selling stocks and investment tips and advice
Articles explaining annuities and
how to use them as investments for retirement
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Money Saving
Tips
Articles on saving money, shopping frugally, and smart financial planning
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Mortgages
Articles
on the many different types of mortgages, what to look for in a home loan,
as well as many tips on saving money with your mortgage
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Our Maker's Money
Articles from a Biblical perspective of our
money, finances, and stewardship
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Retirement
Articles on saving and planning for
retirement
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Student Savings
Articles on how students can save money, pay for tuition, get student loans,
and more
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Taxes
Articles on paying taxes, saving money on your
taxes, tax reform, and more
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Put Your
Credit Card to Work For You
We all know the dangers of using, and more importantly,
abusing, credit cards. However, there is a way to use credit cards to your
advantage.
If you are in a position where you have to use credit cards, such as if you
frequently travel for business and are reimbursed for your expenses, if you
have to purchase things for your own business upfront for later resale, or if
you need to purchase supplies for your small business, make sure that you get
a credit card that gives you something back.
By using a credit card with a cash-back program, or that gives you rewards for
using their credit card, you can not only get some extra cash for things that
you would normally have to buy anyway, but may be able to get some free trips
or hotel stays.
There are many different types of credit cards that offer incentives for using
their card. Some of the more popular include:
Cash Back – You get a percentage of what you spend back in a cash
rebate. Normally this is between 2-5%.
Frequent Flyer Miles – Most of the popular airlines offer a credit card
where you can receive frequent flyer miles for every dollar purchased with
their credit card. Typically you can earn extra points when purchasing a
flight on their airline with their card, as well.
Hotel Points – Many hotels also offer incentives for using their credit
cards. Most often, you receive a ‘point’ for every dollar spent. After
accumulating so many ‘points’ you can then redeem them for free hotel and
resort stays. Point values vary from hotel to hotel.
Others – There are virtually limitless other incentive programs out
there. You can earn tickets to sporting events, Disney has a program where you
can earn points towards your Disney vacation, even Royal Caribbean offers a
credit card where you can save to get a free Caribbean Cruise!
As always though, make sure that you are paying off your credit card in full
every month. You don’t need to pay the extra interest rates in order to get
your credit card benefits!
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