I know that there are times that I would rather use my credit card to make a purchase but my conscience tells me to use money that I have, not spend money that I don’t have. For the most part I listen to my conscience. I have like most people experienced a few overdraft fees in my life time because…
Tag: Overdraft
Spreading Christmas Costs With A Personal Loan
As the days grow shorter and the nights get colder, our thoughts might start turning towards festive matters. Christmas is coming, and while this should be a cause for excitement and anticipation of good family times, for many of us there’s something less pleasurable on our minds at this time of year. The holiday season gets evermore expensive, and if…
What Is Overdraft Protection
In simple terms, overdraft protection helps you should you write a check and not have the funds in your account to cover that check. That is the simple explanation, but there is often more to it than that. This article looks at some of the common issues associated with overdraft protection. Normally, when you write a check that bounces, the…
Keep Out Of Debt By Avoiding Overdrafts
Avoiding overdrafts, bounced checks, should be a number one priority to all those who have checking accounts. The amount of money that you can be charged by the bank and by the merchant who takes the bounced check can be staggering. If too many of these overdrafts show up at one time, you can find yourself several hundreds of dollars…
Managing Personal Finance Is Key For Long Term Financial Health
The ability to manage your personal finance is key for successful long term financial health and stability. Regardless of how much you earn, being able to make your income work for you is essential. Not everyone requires a large salary and an expensive home and car to be happy, but they do need to be comfortable in terms of being…
Banking For Students And Graduates
If you are a student or have recently graduated, then there a large number of bank accounts and financial products designed specifically for you. Although students used to be much derided for the large government grants they received, those days are long gone and students today have to be financially astute in order to avoid large debts. If you are…
Avoiding Bank Fees
Occasionally many of us will experience the dread of a bounced check, this will result in an abundance of fee’s that include an overdraft charge and a fee for the bounced check with the bank alone. Not to mention the fee charged by the establishment that accepted the check. This article is geared towards helping you avoid fees that are…
Why A Payday Loan The Answer To Short Term Cash
No matter how well you plan your expenses, there are times when you land into trouble. This could be because of a bill that has popped out of nowhere, a birthday or an anniversary gift that you have splurged on, a fun trip that turned out to be more expensive than you had thought, an expense that you had not…
How To Avoid Overdraft And Late Fees
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…
Banks Charges And How They Affect You
Anyone who has had the pleasure of owning a bank account knows that it is not always a fun experience. One big pain is the understanding of your bank’s special charges and under which circumstances they may be levied against you. The basic principle behind bank charges is simple. It is the way for banks to charge you for all…