If you have ever missed a payment or gone over your overdraft limit then you will know about the expensive fees that you have to pay. One late payment can trigger a fee that puts you over your overdraft limit, hence leading to another fee. If you want to avoid spending money on bank fees then here are some useful tips to help you.
How To Cope With Chapter 13 Bankruptcy
Most consumers have heard of Chapter 7 bankruptcy but there is another type known as Chapter 13. This article details some of the differences between the two and how they may affect someone who has to file.
Help With Building Credit
There are some tried and true ways to build your credit if you are just starting out. It is often in the early days of using credit that many younger people fall into trouble. The last thing any young man or woman or just married couple needs to do is ruin their credit rating before they even get started. Here are some tips that can help you build your credit and help you stay out of trouble.
How Can I Lower My Home Owners Premiums?
Home owner’s insurance can be expensive, but this is the one form of insurance that you do not want to short-change yourself on either. When you consider all the many things that home owner’s insurance covers it can be a quite a value, in dollar terms. Still, there are some common sense ways to reduce your home owner’s insurance and this article will explore some of the more common means of doing that.
How Do I Calculate Finance Charges?
Having some knowledge of how to calculate finance charges is always a good thing. Most lenders, as you know, will do this for you, but it can helpful to be able to check the math yourself. It is important, however, to understand that what is presented here is a basic procedure for calculating finance charges and your lender may be using a more complicated method. There may also be other issues attached with your loan which may affect the charges.
Getting Out Of Student Debt
Whether you are a college student or the parent of a child planning to attend college, student debt will become an issue that must be dealt with.
Getting The Most Out Of Your Credit Report
Your credit report is one of the most important financial documents concerning whether or not you will be able to get loans and how much interest you will have to pay on those loans. Understanding your credit report is therefore very important.
Getting Your First Bank Credit
A part of modern living involves getting and using credit. Many people would proclaim that it is better to live on the cash basis and to never owe anyone anything, and that would be good advice, but it is nearly impossible to live that way today. For the most part, American adults will have to get credit at some time or another and one of the best places to do that is through your local bank.
Find Free Checking Accounts
How much are you paying for your checking account each month? The number of banks that are now offering totally free checking has never been higher. A free checking account is one that does not charge a monthly service fee and does not charge a per item fee for such things as checks. For example, some banks will allow checking account customers to write up to ten checks per month and after that limit is reached they begin to charge a small fee for each additional check.
Electronic Check Conversion And How It Works
Electronic check conversion is becoming more popular these days and consumers should know what it is and how it can affect them. The last thing anyone wants is to bounce a check or to have a clerk deny a sale because of a lack of funds in your account.
Finding The Bank That Is Right For You
Finding the right bank for your needs can be a tough decision, but it is important that you choose the right establishment to handle your money. Choosing the wrong bank can cost you time and money, and although choosing your nearest bank might seem convenient, you could be missing out on the best deals.
Do I Need A Bank Account?
For most working adults, the answer to that question is yes. Having a bank account can be very useful as you go through life, and it can help you many ways, especially as you begin to build your credit history.