Credit Card Advice

Posts Tagged ‘credit card’

The main tip to reducing your Irish credit card costs is to pay them off every month. But in real life, that’s not always possible. Emergencies come up, and you need time to pay off your expenses. But if you can’t pay off your entire balance every month, the next best thing you can do to keep expenses down is to pay as much as you can, and pay on time. That way you’ll keep your average daily balance as low as possible (which is what your minimum payments are based on), and you won’t be hit with late fees. If you have a low APR credit card, then the interest will be low also, just in case you cant pay back the whole amount borrowed in one go!

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1) A Vacation

We’re all in need of a vacation once in a while but going into debt for a plane ticket or hotel stay is a bad idea all around. Accumulating debt to take a trip somewhere sunny might be exactly what you’d like to do right now but sit down and look at your finances before you get too excited about the trip. You don’t really need to go – of course, it would be nice but make sure you have the cash first. It’s that simple.

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