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I have to admit! Credit cards are convenient, especially at this time. However, swiping your plastic card often costs you more money than other payment options. Regular charges from interest rates and annual fees are coupled by hidden surcharges. The latter are transaction-based fees that can add up! You must maximize your savings and use your debit card as much as possible. On that note, here are the expenses that you must avoid charging into your credit cards. #1: EDUCATION
DEFINITION Swiping a credit card is the polar opposite of using a debit card. The latter allows you to spend the money that you already have in your checking account. While, the former lets you borrow money from a financial provider. You have to pay an interest at the end of every billing statement. Be forewarned that having a credit card does not equate to having “free” cash around. It only means that you are expected to pay back whatever
OCBC, HSBC and Standard Chartered offer the lowest interest personal loans in Singapore, available exclusively on SingSaver. Editor’s note: Personal loan and bank rates are subject to change. Last updated 7 October 2019. Whether it’s due to an emergency or simple cash flow management, most of us will need a personal loan at some point. Personal loans do get a bad reputation sometimes, but if you understand how to manage cash flow and know how to take advantage of promotional interest
Are you drowning in yesteryear’s debt? You are probably pessimistic about your financial future. Eventually, all these bills may push you to your boiling point. When this happens, a fresh start is essential. Start by being aware of the reasons why your pile of debt exists. Then, do the necessary actions to eliminate it. YOU ARE ADDICTED TO SHOPPING Whether you call it shopping addiction or retail therapy, you simply cannot control your spending habits. It is harmful to associate
