Money saving tips

Your credit card is one of the factors that decide your credit score. To start with, paying off the outstanding balance on your card in time is not enough. There are few other things like Credit utilization rate, Credit limit and account, Moderate use etc that you need to keep in mind when you use your card. Only then, you can increase the score, and keep it that way.

Being frugal, vigilant and consistent can help you to have a shiny credit score. The scores that we have on our credit reports can be improved if we make it a goal to raise it, and bring our lifestyle in sync with this goal. The perfect credit utilization, proper discriminate between instalment loan and recursive loan etc have to take into consideration for shiny credit score.

.Many a times we find out that we are not in a position to save as much taxes as would have been possible had we gone for it earlier in the financial year. You can save a lot of taxes in some unorthodox manner such as By Boost retirement plan contribution, Health care flex plan, asking your company to compensate on your education etc.

People complain "Choices leave us confused". But for me, more choices feel like a blessing I do think it makes our job easier to choose the right kind according to our affordability. It helps us spend less and save more. That is the point where you can feel more financial freedom.

.Every month, a stack of ads appears when you get paid or your pension check arrives. Intentionally the merchants scramble to get your last pound before some other store gets it. So here you have the option of picking through the items in your cart and removing those that are unessential, or that you found yourself seduced into purchasing at the time of Grocery Shopping .