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Wednesday, June 17, 2009
6 Smart Tips To Avoid the Stress of Shopping For Holiday Gifts
For those who find making their gifts list for the holidays a very exciting activity, good for you. Those who find it less than an appealing bustle don't fret. Many share your sentiment. The problem with making a list is that it seems to become never ending especially when you decide on checking it twice. Okay, you're no good ol' Saint Nick but hey, this is only looking at it with a bird's eye view. What you don't know is that buying the gifts could actually cause a bigger headache than the preparing of the list.
Who wants to wallow in the stress brought by holiday gift-giving? Holidays need not always put you in a major state of panic. Here's how to breeze through the holiday season with these tips on buying gifts.
1. Say no to a rigid gift list.
This doesn't mean that when you arrive on a situation like when you get to see a "spunkier" Ipod when you originally thought of giving out a Walkman, you'll always give in. The thing is that you should be open to alternatives with your choice of gifts. You might as wel, jot down all the possible options on that gift on your list in case you're having a hard time looking for it.
2. Nifty over Hefty.
An expensive price tag does not necessarily mean a perfect gift. What is more appreciated is creativity and when someone puts in genuine effort. Your budget does not have to suffer so much during the holidays. Doing your homework will get you a long, long way.
3. Doing some favor is a labor of love.
Instead of material presents, an act of kindness can very well serve as a very valuable holiday gift. One may run errands or do things like babysit for a busy aunt, cook dinner for a couple, or do a car wash. Of course, just don't forget to do this for free. One more thing, you can also do this goodie-two-shoes stuff not only for your family and friends but also for those less-fortunate.
4. Techie not Newbie.
For those who are still thinking that the Internet is only a mirage of the future, please wake up. You're so late! Online shopping is one of the many conveniences the Internet offers. Just click the mouse and voila! Before you are a wide array of brands and pricelists for your choice of gifts. Amazon.com, EBay, and Overstock.com are just a few of the best web sites that can help you in this endeavor. Just remember to provide ample time for delivery.
5. Comfort Zone.
During the commotion from shopping for holiday gifts, it's wise to wear your most comfortable outfits. This will make it easier for you to rummage through shelves of stuffs and will make scurrying not much of a hassle.
6. Early Bird Gets the Most Appreciation
Yes, there's still no better way of dealing with this gift-buying problem but to do it ahead of time. Creating your list about two months before the "season to be jolly" will help a lot in downsizing the hassles of this activity. Some can even go the length of preparing for it at least three months before the holidays.
Some people never have to worry about buying for gifts. Can you imagine having a closet of stuff always ready to be given out for various occasions? Yes, these cases exist. But you don't have to really succumb to such almost-paranoid acts. Following the simple but noble tips above will do.
About the Author
David Arnold Livingston does all his gift shopping online without stress and recommends the gift directory: http://www.rggift.com/
Written by: David Arnold Livingston
1,000 more tips and tricks with Shopping here:
Who wants to wallow in the stress brought by holiday gift-giving? Holidays need not always put you in a major state of panic. Here's how to breeze through the holiday season with these tips on buying gifts.
1. Say no to a rigid gift list.
This doesn't mean that when you arrive on a situation like when you get to see a "spunkier" Ipod when you originally thought of giving out a Walkman, you'll always give in. The thing is that you should be open to alternatives with your choice of gifts. You might as wel, jot down all the possible options on that gift on your list in case you're having a hard time looking for it.
2. Nifty over Hefty.
An expensive price tag does not necessarily mean a perfect gift. What is more appreciated is creativity and when someone puts in genuine effort. Your budget does not have to suffer so much during the holidays. Doing your homework will get you a long, long way.
3. Doing some favor is a labor of love.
Instead of material presents, an act of kindness can very well serve as a very valuable holiday gift. One may run errands or do things like babysit for a busy aunt, cook dinner for a couple, or do a car wash. Of course, just don't forget to do this for free. One more thing, you can also do this goodie-two-shoes stuff not only for your family and friends but also for those less-fortunate.
4. Techie not Newbie.
For those who are still thinking that the Internet is only a mirage of the future, please wake up. You're so late! Online shopping is one of the many conveniences the Internet offers. Just click the mouse and voila! Before you are a wide array of brands and pricelists for your choice of gifts. Amazon.com, EBay, and Overstock.com are just a few of the best web sites that can help you in this endeavor. Just remember to provide ample time for delivery.
5. Comfort Zone.
During the commotion from shopping for holiday gifts, it's wise to wear your most comfortable outfits. This will make it easier for you to rummage through shelves of stuffs and will make scurrying not much of a hassle.
6. Early Bird Gets the Most Appreciation
Yes, there's still no better way of dealing with this gift-buying problem but to do it ahead of time. Creating your list about two months before the "season to be jolly" will help a lot in downsizing the hassles of this activity. Some can even go the length of preparing for it at least three months before the holidays.
Some people never have to worry about buying for gifts. Can you imagine having a closet of stuff always ready to be given out for various occasions? Yes, these cases exist. But you don't have to really succumb to such almost-paranoid acts. Following the simple but noble tips above will do.
About the Author
David Arnold Livingston does all his gift shopping online without stress and recommends the gift directory: http://www.rggift.com/
Written by: David Arnold Livingston
1,000 more tips and tricks with Shopping here:
http://free-info.meconfess.com/shopping/
5 Critical Steps to Protecting Your Computer on the Internet
Spyware, viruses and worms... oh my!
If you are connected to the internet, you need to make sure you get your computer set up properly if you want to avoid problems down the road.
With all the viruses, spyware and other threats on the internet today, no computer should be set up without the proper protection.
And that protection needs to be in place as soon after you hook up your new machine as possible.
The following five steps will make your computer a much harder target for threats. You still won't be completely immune to problems, but 99% of the time the threat will pass you by, looking for the easy mark.
1. Running a Personal Firewall
A personal firewall is software that basically makes your computer invisible to hackers, worms and other threats that can infect your computer over the internet.
Setting up a firewall is the absolute first thing you should do if you're going to connect to the internet. Without a firewall, your computer could get infected in as little as one minute after connecting.
If you have a brand new computer running Windows XP Service Pack 2, there is a firewall built into Windows. It will already have been turned on when you first set up your computer.
If you're running an older version of Windows, even an earlier version of Windows XP, there is no firewall automatically set up for you. In this case there are two possibilities:
- Your computer came pre-loaded with a firewall such as Norton Internet Security or McAfee Internet Security
- You have no firewall installed and should download one ASAP.
If you don't have any personal firewall software installed, you should do so right away. Zone Alarm is a very good firewall program that has a version that you can download and install for free.
You can download the free version of Zone Alarm from http://www.computer-help-squad.com/zonealarm
2. Turn on Windows Updates
Again, if you're running Windows XP Service Pack 2 this is already set up, but otherwise you should turn on Windows Updates. Microsoft releases updates for security problems and other bugs in Windows on a regular basis.
These updates will keep your computer running better, and they often fix security issues that could compromise your information or privacy.
If you are running Windows XP Service Pack 2, you can double-check that automatic updates are turned on by clicking Start, then click Control Panel, then double-click Security Center. The window that opens will tell you if automatic updates are turned on, and lets you turn them on if they're not.
To turn on automatic updates in earlier versions of Windows XP, click on the Start menu, click Control Panel and then double-click on System. On the "Automatic Updates" tab, click the option to "Automatically download the updates and install them on the schedule I specify."
To turn them on in Windows 2000, click on Start, click Control Panel and then double-click on Automatic Updates. Again, click the option to "automatically download the updates and install them on the schedule I specify."
Now when Microsoft releases updates, they will be downloaded for you automatically and Windows will tell you when they are ready to be installed.
3. Install & Update Antivirus Software
Most new computers come with antivirus software these days. You might have Norton, McAfee, PC-Cillin or another brand. No matter what program you have, you will need to update it when you get connected to the internet.
It doesn't matter how new your computer is - there will be new viruses, and new updates for the antivirus software, since it was loaded.
The exact process is different for each brand of antivirus program, but most of them will have an icon in the bottom right corner of your desktop, beside the time. The icon might be a picture of a shield (McAfee), a stethoscope (Norton) or something else.
In most cases, if you point to the icon for your antivirus and click the right mouse button, a menu will pop up with an update option. It could be simply called update or could be something like Live Update or Download Latest Updates. If you click on the update option (with the left button this time) it will install the newest updates for you.
If you're not sure which icon is for your antivirus software, just point to each one for a few seconds and a little title should pop up telling you what it is.
4. Install Anti-Spyware Software
Spyware - and other things known as adware and malware - is becoming as big a problem as viruses. Spyware programs can cause a lot of problems with your computer, not to mention they can track your personal information and you never know where it's being sent.
Some new computers might includes antispyware software, but most of them don't yet. There are quite a few anti-spyware programs available, some free and some not. The one I recommend is from Microsoft and is one of the free ones.
One of the reasons I like it is because it always runs in the background and will automatically catch a lot of spyware before it gets on your computer.
Many of the other programs don't catch it until you run a scan. Not only does this allow things to get on your computer, it also means you have to actually remember to run a scan.
You can download the free Microsoft Antispyware from http://www.computer-help-squad.com/antispyware
5. Set up a Free Email Account
This last item is not as critical as the first four, but I would highly recommend you set up an email account with one of the free services like Hotmail or Gmail.
Once you're on the internet, you'll find a lot of useful information that you want that requires you to provide an email address. In some cases, these people will end up sending you a bunch of spam.
If you use a free email account to sign up for anything that you don't know for sure you can trust, it's not going to fill your main email with a bunch of junk.
This goes for anything really, not just online information. If you're entering a contest or signing up for anything offline and you don't know where your information could end up being used, I would suggest using your free email address.
If worse comes to worse, and your free email address gets inundated with spam, you can always just set up a new one and let the old one expire.
Some of the better free email services are www.hotmail.com, www.gmail.com and www.yahoomail.com.
If you've had your computer for a while and never done any of these things, you should still take these steps to get it set up properly. It will definitely save you a lot of time - and possibly money - as you use your system.
About the Author
John Lenaghan offers easy-to-understand advice at the Computer Help Squad website. Find out more about these 5 steps - sign up for our newsletter and receive your free 5-part guide at http://www.computer-help-squad.com/5steps
Written by: John Lenaghan
1,000 of more tips, tricks and info on Computers here:
http://free-info.meconfess.com/computer/
If you are connected to the internet, you need to make sure you get your computer set up properly if you want to avoid problems down the road.
With all the viruses, spyware and other threats on the internet today, no computer should be set up without the proper protection.
And that protection needs to be in place as soon after you hook up your new machine as possible.
The following five steps will make your computer a much harder target for threats. You still won't be completely immune to problems, but 99% of the time the threat will pass you by, looking for the easy mark.
1. Running a Personal Firewall
A personal firewall is software that basically makes your computer invisible to hackers, worms and other threats that can infect your computer over the internet.
Setting up a firewall is the absolute first thing you should do if you're going to connect to the internet. Without a firewall, your computer could get infected in as little as one minute after connecting.
If you have a brand new computer running Windows XP Service Pack 2, there is a firewall built into Windows. It will already have been turned on when you first set up your computer.
If you're running an older version of Windows, even an earlier version of Windows XP, there is no firewall automatically set up for you. In this case there are two possibilities:
- Your computer came pre-loaded with a firewall such as Norton Internet Security or McAfee Internet Security
- You have no firewall installed and should download one ASAP.
If you don't have any personal firewall software installed, you should do so right away. Zone Alarm is a very good firewall program that has a version that you can download and install for free.
You can download the free version of Zone Alarm from http://www.computer-help-squad.com/zonealarm
2. Turn on Windows Updates
Again, if you're running Windows XP Service Pack 2 this is already set up, but otherwise you should turn on Windows Updates. Microsoft releases updates for security problems and other bugs in Windows on a regular basis.
These updates will keep your computer running better, and they often fix security issues that could compromise your information or privacy.
If you are running Windows XP Service Pack 2, you can double-check that automatic updates are turned on by clicking Start, then click Control Panel, then double-click Security Center. The window that opens will tell you if automatic updates are turned on, and lets you turn them on if they're not.
To turn on automatic updates in earlier versions of Windows XP, click on the Start menu, click Control Panel and then double-click on System. On the "Automatic Updates" tab, click the option to "Automatically download the updates and install them on the schedule I specify."
To turn them on in Windows 2000, click on Start, click Control Panel and then double-click on Automatic Updates. Again, click the option to "automatically download the updates and install them on the schedule I specify."
Now when Microsoft releases updates, they will be downloaded for you automatically and Windows will tell you when they are ready to be installed.
3. Install & Update Antivirus Software
Most new computers come with antivirus software these days. You might have Norton, McAfee, PC-Cillin or another brand. No matter what program you have, you will need to update it when you get connected to the internet.
It doesn't matter how new your computer is - there will be new viruses, and new updates for the antivirus software, since it was loaded.
The exact process is different for each brand of antivirus program, but most of them will have an icon in the bottom right corner of your desktop, beside the time. The icon might be a picture of a shield (McAfee), a stethoscope (Norton) or something else.
In most cases, if you point to the icon for your antivirus and click the right mouse button, a menu will pop up with an update option. It could be simply called update or could be something like Live Update or Download Latest Updates. If you click on the update option (with the left button this time) it will install the newest updates for you.
If you're not sure which icon is for your antivirus software, just point to each one for a few seconds and a little title should pop up telling you what it is.
4. Install Anti-Spyware Software
Spyware - and other things known as adware and malware - is becoming as big a problem as viruses. Spyware programs can cause a lot of problems with your computer, not to mention they can track your personal information and you never know where it's being sent.
Some new computers might includes antispyware software, but most of them don't yet. There are quite a few anti-spyware programs available, some free and some not. The one I recommend is from Microsoft and is one of the free ones.
One of the reasons I like it is because it always runs in the background and will automatically catch a lot of spyware before it gets on your computer.
Many of the other programs don't catch it until you run a scan. Not only does this allow things to get on your computer, it also means you have to actually remember to run a scan.
You can download the free Microsoft Antispyware from http://www.computer-help-squad.com/antispyware
5. Set up a Free Email Account
This last item is not as critical as the first four, but I would highly recommend you set up an email account with one of the free services like Hotmail or Gmail.
Once you're on the internet, you'll find a lot of useful information that you want that requires you to provide an email address. In some cases, these people will end up sending you a bunch of spam.
If you use a free email account to sign up for anything that you don't know for sure you can trust, it's not going to fill your main email with a bunch of junk.
This goes for anything really, not just online information. If you're entering a contest or signing up for anything offline and you don't know where your information could end up being used, I would suggest using your free email address.
If worse comes to worse, and your free email address gets inundated with spam, you can always just set up a new one and let the old one expire.
Some of the better free email services are www.hotmail.com, www.gmail.com and www.yahoomail.com.
If you've had your computer for a while and never done any of these things, you should still take these steps to get it set up properly. It will definitely save you a lot of time - and possibly money - as you use your system.
About the Author
John Lenaghan offers easy-to-understand advice at the Computer Help Squad website. Find out more about these 5 steps - sign up for our newsletter and receive your free 5-part guide at http://www.computer-help-squad.com/5steps
Written by: John Lenaghan
1,000 of more tips, tricks and info on Computers here:
http://free-info.meconfess.com/computer/
5 Tips On Making Your Car More Fuel Efficient
With gas prices sky high most individuals who drive are interested in ways they can make their car more fuel efficient and save as much money as possible. While there are no fuel saving tips that will keep your car full of gas without filling up, there are some tips that really can help you save money on fuel over the long run. All of these tips focus on making your car more fuel efficient.
Fuel Efficiency Tip #1 Drive When You Crank Up This might seem obvious, but as soon as you crank up your car you should drive off. However, many people crank up and leave the car idling for a while. Instead of this, when you crank up drive off and only keep your car running when it is absolutely necessary.
Fuel Efficiency Tip #2 Don't Ride the Break Many drivers hit the break more often than is necessary. Additionally there are quite a few drivers that slow down for a braking car when they could easily switch lanes. Not riding the break can increase your fuel efficiency by up to 30%, so this is a great tip you should follow.
Fuel Efficiency Tip #3 Turn Off Your Car If you are going to be stopping for more than 10 minutes you should switch off your car to keep fuel efficiency at its peak and not burn more gas than is necessary.
Fuel Efficiency Tip #4 Don't Turn Off Your Car If you are only stopping for a brief moment or less than 5 minutes then don't turn off your car because the amount of gas used to crank up is more than you would burn in that short period of time.
Fuel Efficiency Tip #5 Inflate Tires Properly Too many drivers never think of their tires, unless one goes flat. However, having tires that are properly inflated can save fuel and make your car more fuel efficient, saving you money. Because of this, you should check your tire pressure on a regular basis.
While gas prices don't seem like they will be dipping considerably in the next few months every tip to help you make your car more fuel efficient is helpful. So, follow the above fuel tips and you will see that over time your car really is more fuel efficient.
About the author:
SearchArticles.Net offers articles, tips and information on a variety of subjects including cars and trucks. For more tips for your car visit http://www.SearchArticles.Net
Written by: Craig Rowe
1,000's of more tips and tricks with Cars here:
http://free-info.meconfess.com/car/
Fuel Efficiency Tip #1 Drive When You Crank Up This might seem obvious, but as soon as you crank up your car you should drive off. However, many people crank up and leave the car idling for a while. Instead of this, when you crank up drive off and only keep your car running when it is absolutely necessary.
Fuel Efficiency Tip #2 Don't Ride the Break Many drivers hit the break more often than is necessary. Additionally there are quite a few drivers that slow down for a braking car when they could easily switch lanes. Not riding the break can increase your fuel efficiency by up to 30%, so this is a great tip you should follow.
Fuel Efficiency Tip #3 Turn Off Your Car If you are going to be stopping for more than 10 minutes you should switch off your car to keep fuel efficiency at its peak and not burn more gas than is necessary.
Fuel Efficiency Tip #4 Don't Turn Off Your Car If you are only stopping for a brief moment or less than 5 minutes then don't turn off your car because the amount of gas used to crank up is more than you would burn in that short period of time.
Fuel Efficiency Tip #5 Inflate Tires Properly Too many drivers never think of their tires, unless one goes flat. However, having tires that are properly inflated can save fuel and make your car more fuel efficient, saving you money. Because of this, you should check your tire pressure on a regular basis.
While gas prices don't seem like they will be dipping considerably in the next few months every tip to help you make your car more fuel efficient is helpful. So, follow the above fuel tips and you will see that over time your car really is more fuel efficient.
About the author:
SearchArticles.Net offers articles, tips and information on a variety of subjects including cars and trucks. For more tips for your car visit http://www.SearchArticles.Net
Written by: Craig Rowe
1,000's of more tips and tricks with Cars here:
http://free-info.meconfess.com/car/
8-Tips for Packing and Traveling Lite
How-to Pack and Travel Lite
In this day and age of traveling cephalalgia, there are a few packing tactics to employ. To cut out an extra thirty to forty minutes at the arriving airport, start with packing small luggage. Since carry-ons can not exceed a linear dimension of 45 inches, you can escape the fiasco of the baggage terminal by simply packing and traveling light. To learn how to pack all your needs into one suitcase, read more.
Use the following pithy packing tips to make your travel light:
Make a list. Compose a pack list. Be sure to coordinate shirts and blouses with bottoms. To maximize your traveling wardrobe fashion savoir faire, stick with solids and versatile basics. Rule-out any clothes that do not match other items.
Roll ‘em up please. The best way to fit all your clothes is by rolling pants and shirts. First fold each item in half. Then simply roll. To try to maintain any creases, start on the bulkiest end of the article of clothing.
Gear up. How to make an awe-inspiring impression out of a basic or mundane outfit? For the most glam appeal, accessorize with a vibrant tie (for him) or a florid scarf (for her). Multihued accessories can liven up just about any attire.
Minimize bulk. After you check for space, edit outfits – ruthlessly. Try to pack microfibers with wrinkle and stain free comfort. With most of your attire, stay in the same color scheme – in case you have to layer up for warmth.
Employ shoe smarts. For men, any leather rubber-soled shoes can make the day and night transition, easy. For woman, a pair of flip-flops, strappy sandals and comfy wedges can serve all casual – chic dressing needs.
Put under garments on the top. To reduce the embarrassment of under garments becoming the side show attraction of the open luggage scan, place all panties in a plastic bag free of any clippers, lighters or other questionable paraphernalia. For expedient security review, place the transparent bag on top of your other items so security can access the bag without ruining your efficient packing method.
Lose Extra Baggage. Leave the heavy travel guide at home. Duplicate important resources to keep your luggage free of extra pounds. Since most hotels and resorts provide irons and blow-dryers --leave yours at home for light travel.
Leave restricted items at home. If you want to make it through security extra fast, avoid any firearms, weapons, box-cutters, scissors, razors, lighters and any other item that may be used in a terrorist situation.
About the Author
Freelance writer, Holly Bentz is the owner of a media boutique, www.fruitionMedia.net. From subliminal e-sales letters, informative articles to powerfully persuasive web content, Bentz takes pride in providing awe-inspiring copy.
Written by: Holly Bentz
http://free-info.meconfess.com/travel/
In this day and age of traveling cephalalgia, there are a few packing tactics to employ. To cut out an extra thirty to forty minutes at the arriving airport, start with packing small luggage. Since carry-ons can not exceed a linear dimension of 45 inches, you can escape the fiasco of the baggage terminal by simply packing and traveling light. To learn how to pack all your needs into one suitcase, read more.
Use the following pithy packing tips to make your travel light:
Make a list. Compose a pack list. Be sure to coordinate shirts and blouses with bottoms. To maximize your traveling wardrobe fashion savoir faire, stick with solids and versatile basics. Rule-out any clothes that do not match other items.
Roll ‘em up please. The best way to fit all your clothes is by rolling pants and shirts. First fold each item in half. Then simply roll. To try to maintain any creases, start on the bulkiest end of the article of clothing.
Gear up. How to make an awe-inspiring impression out of a basic or mundane outfit? For the most glam appeal, accessorize with a vibrant tie (for him) or a florid scarf (for her). Multihued accessories can liven up just about any attire.
Minimize bulk. After you check for space, edit outfits – ruthlessly. Try to pack microfibers with wrinkle and stain free comfort. With most of your attire, stay in the same color scheme – in case you have to layer up for warmth.
Employ shoe smarts. For men, any leather rubber-soled shoes can make the day and night transition, easy. For woman, a pair of flip-flops, strappy sandals and comfy wedges can serve all casual – chic dressing needs.
Put under garments on the top. To reduce the embarrassment of under garments becoming the side show attraction of the open luggage scan, place all panties in a plastic bag free of any clippers, lighters or other questionable paraphernalia. For expedient security review, place the transparent bag on top of your other items so security can access the bag without ruining your efficient packing method.
Lose Extra Baggage. Leave the heavy travel guide at home. Duplicate important resources to keep your luggage free of extra pounds. Since most hotels and resorts provide irons and blow-dryers --leave yours at home for light travel.
Leave restricted items at home. If you want to make it through security extra fast, avoid any firearms, weapons, box-cutters, scissors, razors, lighters and any other item that may be used in a terrorist situation.
About the Author
Freelance writer, Holly Bentz is the owner of a media boutique, www.fruitionMedia.net. From subliminal e-sales letters, informative articles to powerfully persuasive web content, Bentz takes pride in providing awe-inspiring copy.
Written by: Holly Bentz
http://free-info.meconfess.com/travel/
10 Easy Ways To Organize Your Business Finances
Whether you are a new entrepreneur or a more experienced business owner, taking control of your finances can feel like a part-time job. Some simple tips can help you streamline your time, organize your finances and reduce the stress of business money matters.
1. Keep Your Bills in One Place
When the mail comes, make sure it goes in one place. Misplaced bills can be the cause of unwanted late fees and can damage your credit rating. Whether it's a drawer, a box, or a file, be consistent. Size is also important. If you get a lot of mail, use an area that won't get filled up too quickly.
2. Pay Your Bills on Schedule
Bill paying can be simplified if it's done at scheduled times during the month. Depending on how many bills you receive, you can establish set times each month when none of your bills will be late. If you're paying bills as you receive them, chances are you're spending too much time in front of the checkbook. Although bills may state "Payable Upon Receipt", there's always a grace period. Call the creditor to find out when they need to receive payment before the bill is considered late.
3. Read Your Credit Card Statements
Most people take advantage of low interest credit card offers but never read their statements when paying the bill. Credit cards are notorious for using low interest as bait for new customers then switching to higher rates after a few months. Make a habit of looking at your statement carefully to see what interest rate you are paying each month and if any transaction fees have been applied. If the rate increases or a transaction fee appears on your statement, a simple call to the credit card company can oftentimes be beneficial in resolving the matter. If not, try to switch your money to a more favorable rate.
4. Take Advantage of Automatic Payments
Most banks offer a way to automatically deduct money from your account to pay creditors. In addition, the creditors usually offer a lower interest rate when you sign up for this payment option because they get their money faster and on-time. Consider it as one fewer check to write, envelope to lick and stamp to buy. Just make sure you record the deduction when the automatic payment is scheduled or you run the risk of bouncing other checks.
5. Computerize Your Checkbook
Using a software program is a handy way to organize your finances. Whether it's Quicken(r), Microsoft Money(r) or another package, these easy-to-use programs make bill paying and bank reconciliation a cinch. Computer checks can be ordered almost anywhere and fit right into most printers. Once the checks are printed, all of the information is automatically recorded in your electronic checkbook. Furthermore, many banks have direct downloads into these software packages so when money is deposited or withdrawn, the transaction is entered immediately onto your computer. And, when it comes time to do taxes, it couldn't be easier.
6. Get Overdraft Protection
Most banks have a service where, if you run the risk of bouncing a check, the money will come from another source. For a nominal fee, the bank will link your checking account to either a savings, money market, or credit card so the embarrassment of bouncing a check will be avoided. Call or visit your bank to learn about this convenient feature.
7. Cancel Unused Accounts
Whether it's a credit card or bank account, write a letter requesting that the account is formally closed. Not only will this improve your credit score, it is a useful way to avoid money from being scattered all over the place. Don't let department stores and credit card companies lure you into opening new accounts by offering favorable interest rates and purchase discounts. It's easy for credit to get out of hand by taking advantage of every credit offer that comes your way.
8. Consolidate Your Accounts
If you have several credit card accounts with outstanding balances, try to consolidate them into one. Be careful and check the balance transfer interest rates and one-time fees. Also, make a list of all your open Money Markets, Savings, CDs, IRAs, Mutual Funds, and other accounts to see if any consolidation can be done. Keeping your money in fewer places eliminates all of the guesswork involved and reduces errors.
9. Establish Automatic Savings
Create a link from your checking account into a savings account that will not be touched. This can usually be done through the banks and automatic amounts will be transferred over each month. Most people will not put money into a savings account on a regular basis. They may wait until a large tax refund check arrives or some other event to actually deposit money into savings, retirement or other accounts. If you establish an automatic savings deposit every month, your accounts will begin accumulating money faster than you think.
10. Clean up Your Files
Make sure your paid bills are organized in a filing cabinet. Keep individual files for paid bills. Go through your files at the end of each year and throw out bills and receipts no longer needed for auditing purposes. Contact your local IRS office to see how long records need to be kept for audits. Usually federal tax return audits can be done three years back but cancelled checks may need to be kept for seven. Consult the Internet for auditing and records-keeping procedures for your state or region.
(c) 2005 DebtGuru.com(r). This article may be freely distributed as long as the signature file and active link are included.
About the author:
Michael G. Peterson is the Vice President of American Credit Foundation, an IRS 501 (c)(3) non-profit consumer credit counseling organization that has assisted thousands of individuals and families with their financial situations through seminars, education, counseling services, and, debt management plans. For more information, and free consumer resources visit http://www.debtguru.com.
Written by: Michael G. Peterson
http://free-info.meconfess.com/finance/
1. Keep Your Bills in One Place
When the mail comes, make sure it goes in one place. Misplaced bills can be the cause of unwanted late fees and can damage your credit rating. Whether it's a drawer, a box, or a file, be consistent. Size is also important. If you get a lot of mail, use an area that won't get filled up too quickly.
2. Pay Your Bills on Schedule
Bill paying can be simplified if it's done at scheduled times during the month. Depending on how many bills you receive, you can establish set times each month when none of your bills will be late. If you're paying bills as you receive them, chances are you're spending too much time in front of the checkbook. Although bills may state "Payable Upon Receipt", there's always a grace period. Call the creditor to find out when they need to receive payment before the bill is considered late.
3. Read Your Credit Card Statements
Most people take advantage of low interest credit card offers but never read their statements when paying the bill. Credit cards are notorious for using low interest as bait for new customers then switching to higher rates after a few months. Make a habit of looking at your statement carefully to see what interest rate you are paying each month and if any transaction fees have been applied. If the rate increases or a transaction fee appears on your statement, a simple call to the credit card company can oftentimes be beneficial in resolving the matter. If not, try to switch your money to a more favorable rate.
4. Take Advantage of Automatic Payments
Most banks offer a way to automatically deduct money from your account to pay creditors. In addition, the creditors usually offer a lower interest rate when you sign up for this payment option because they get their money faster and on-time. Consider it as one fewer check to write, envelope to lick and stamp to buy. Just make sure you record the deduction when the automatic payment is scheduled or you run the risk of bouncing other checks.
5. Computerize Your Checkbook
Using a software program is a handy way to organize your finances. Whether it's Quicken(r), Microsoft Money(r) or another package, these easy-to-use programs make bill paying and bank reconciliation a cinch. Computer checks can be ordered almost anywhere and fit right into most printers. Once the checks are printed, all of the information is automatically recorded in your electronic checkbook. Furthermore, many banks have direct downloads into these software packages so when money is deposited or withdrawn, the transaction is entered immediately onto your computer. And, when it comes time to do taxes, it couldn't be easier.
6. Get Overdraft Protection
Most banks have a service where, if you run the risk of bouncing a check, the money will come from another source. For a nominal fee, the bank will link your checking account to either a savings, money market, or credit card so the embarrassment of bouncing a check will be avoided. Call or visit your bank to learn about this convenient feature.
7. Cancel Unused Accounts
Whether it's a credit card or bank account, write a letter requesting that the account is formally closed. Not only will this improve your credit score, it is a useful way to avoid money from being scattered all over the place. Don't let department stores and credit card companies lure you into opening new accounts by offering favorable interest rates and purchase discounts. It's easy for credit to get out of hand by taking advantage of every credit offer that comes your way.
8. Consolidate Your Accounts
If you have several credit card accounts with outstanding balances, try to consolidate them into one. Be careful and check the balance transfer interest rates and one-time fees. Also, make a list of all your open Money Markets, Savings, CDs, IRAs, Mutual Funds, and other accounts to see if any consolidation can be done. Keeping your money in fewer places eliminates all of the guesswork involved and reduces errors.
9. Establish Automatic Savings
Create a link from your checking account into a savings account that will not be touched. This can usually be done through the banks and automatic amounts will be transferred over each month. Most people will not put money into a savings account on a regular basis. They may wait until a large tax refund check arrives or some other event to actually deposit money into savings, retirement or other accounts. If you establish an automatic savings deposit every month, your accounts will begin accumulating money faster than you think.
10. Clean up Your Files
Make sure your paid bills are organized in a filing cabinet. Keep individual files for paid bills. Go through your files at the end of each year and throw out bills and receipts no longer needed for auditing purposes. Contact your local IRS office to see how long records need to be kept for audits. Usually federal tax return audits can be done three years back but cancelled checks may need to be kept for seven. Consult the Internet for auditing and records-keeping procedures for your state or region.
(c) 2005 DebtGuru.com(r). This article may be freely distributed as long as the signature file and active link are included.
About the author:
Michael G. Peterson is the Vice President of American Credit Foundation, an IRS 501 (c)(3) non-profit consumer credit counseling organization that has assisted thousands of individuals and families with their financial situations through seminars, education, counseling services, and, debt management plans. For more information, and free consumer resources visit http://www.debtguru.com.
Written by: Michael G. Peterson
http://free-info.meconfess.com/finance/
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You just have to go there to experience it!
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