Annual Bell
Annual Bell
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US $15.00
Credit cards have gained the reputation of being the major source of uncontrolled debt and this unfortunately is true. The idea is to use your card wisely as it can be the perfect budgeting tool. Learn to use, not abuse, your credit card.
The basic rule for credit cards is that you should use it only for convenience. That is, when you could pay for the item now but it is more convenient and easier to pay now on credit. If you can't afford it now, don't buy it in the hope that next month somehow the money will magically appear.
Make sure your card has an interest free period (grace period) and check when this period finishes.When the billing period begins so do the interest free days and you need to repay the debt on the due date to avoid interest. Even leaving a balance of $1 will mean paying interest on your purchases so pay it IN FULL.
Why is it such a good tool for budgeting then?
By paying the account in full every month you can actually come off ahead. The reason for this is that you have put off paying for the items on the card, and in the meanwhile you may have kept the money earning interest in an interest bearing savings account, possibly for several weeks. This of course depends on the timing of your purchase and the due date of payment of your credit card bill. This advantage can even compensate for the annual credit card fees.
If the entire bill is not paid each month any grace period is gone and this means that you will be paying interest on new purchases from the day you make the purchase. Check the rules about grace periods (the interest free period) on your card.
Having a credit card means you need to be disciplined otherwise you can easily get into debt which has a nasty way of compounding and, before you know it, the debt has got out of hand. When you budget make sure that anything you put on credit card has been included in your budget so that you know the money is available for your spend.
One thing to be aware of is that the interest free period does not apply to cash advances so do not use your credit card to draw cash unless it has a credit balance. Only use the card for purchases of goods and services.
If you cannot use your card without abusing it leave it at home and find some other method of paying such as cash or debit card. Getting into debt is not worth having a credit card.
Lyn Bell has been in the finance industry for more than 30 years and is a Certified Financial Planner. She has helped many clients achieve their financial goals. Sign up to get Lyn's free newsletter SoundFinance News and receive a free gift.
For details on how to eliminate debt visit Erase Debt Now.
Please note this article does not contain specific advice and is for information/education purposes.
A disclosure statement is available free on request.
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Bell Ringers Performing at Annual Meeting and Concert of the North East Guild of Hand Bell Ringers $79.99 Bell Ringers Performing at Annual Meeting and Concert of the North East Guild of Hand Bell Ringers - Premium Photographic Print |
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Performers at the Annual Meeting and Concert of the North East Guild of Hand Bell Ringers $79.99 Performers at the Annual Meeting and Concert of the North East Guild of Hand Bell Ringers - Premium Photographic Print |
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Hummel 2010 Goebel Annual Christmas Bell $48.84 Commemorate your holiday season with this 2010 Goebel Christmas bell. This keepsake is made of porcelain and features a filling stocking. Features a red Christmas stockingMaterials: PorcelainDimensions: 2.87 inches high x 2.56 inches long x 2.56 inches wide |
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Victory Bell (UscUCLA) $122.67 Please note that the content of this book primarily consists of articles available from Wikipedia or other free sources online. The Victory Bell is an annual trophy given to either the University of Southern California or the University of California, Los Angeles. The winner of the annual USCUCLA rivalry football contest keeps the bell for the next year, and paints it the schools color: True Blue for UCLA, or cardinal for USC. The Victory Bell is a 295pound brass bell that originally rang atop a Southern Pacific railroad locomotive. It is currently mounted on a special wheeled carriage. Author: Surhone, Lambert M./ Tennoe, Mariam T./ Henssonow, Susan F. Binding Type: Paperback Number of Pages: 176 Publication Date: 2011/04/01 Language: English Dimensions: 5.98 x 9.02 x 0.41 inches |
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Bell $10 Bell - The Mess Hall |
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Victory Bell (CarolinaDuke) $65.33 Please note that the content of this book primarily consists of articles available from Wikipedia or other free sources online. The Victory Bell is the traveling trophy given to the winner of the annual football game between the Duke and North Carolina. The game is worth two points in the year long Carlyle Cup between the two schools. Following their win in the 2009 game, North Carolina leads the series 4120 with one game tied. Author: Surhone, Lambert M./ Tennoe, Mariam T./ Henssonow, Susan F. Binding Type: Paperback Number of Pages: 64 Publication Date: 2011/04/01 Language: English Dimensions: 5.98 x 9.02 x 0.15 inches |
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A Bell Tower and Bell $19.99 A Bell Tower and Bell - Photographic Print |
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Saved By The Bell $10 Saved By The Bell - Saved By The Bell |
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Journeyman's Annual $10.49 Journeyman's Annual |
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The Annual 2011 $14.49 The Annual 2011 |
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The Annual 2012 $11.49 The Annual 2012 |
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The Annual 2010 $19.49 The Annual 2010 |
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Space Annual $3.49 Space Annual |
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The Annual 2009 $14.49 The Annual 2009 |
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The Bell $12.99 A lay community of thoroughly mixed-up people is encamped outside Imber Abbey, home of an order of sequestered nuns. A new bell is being installed when suddenly the old bell, a legendary symbol of religion and magic, is rediscovered. And then things begin to change. Meanwhile the wise old Abbess watches and prays and exercises discreet authority. And everyone, or almost everyone, hopes to be saved, whatever that may mean. Originally published in 1958, this funny, sad, and moving novel is about religion, sex, and the fight between good and evil. |
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Clutch Bell $26.1 Clutch Bell |
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Santa Bell $11.99 Santa Bell |
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Tinker Bell $24.99 Tinker Bell |
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Light Bell $10 Light Bell |
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School Bell $10 School Bell |
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Boxing Bell $10 Boxing Bell |
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Church Bell $10 Church Bell |
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Door Bell $10 Door Bell |
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Cast A Bell $9.99 Cast A Bell |
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Diving Bell $10.49 Diving Bell |
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Madeline Bell $8.99 Madeline Bell |