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FINANCES ….

WOULD YOU LIKE SOMETHING FOR NOTHING?

read on …………


Do you still go shopping with cash in your bag and at the same time worry about whether you are going to be mugged, have your purse stolen, etc? Well, why not lighten your load and take a credit card (with just a small amount of cash for emergencies, of course). Already I can hear you say, 'yes, but I have always paid by cash - don't want to get involved with credit - always pay as I go and not have worries etc etc.' Now we all know that using a credit card to buy goods on credit and building up a debt is building up problems and sleepless nights, BUT IF YOU ARE MATURE-MINDED AND CLEAR YOUR BALANCE EACH MONTH WITHOUT FAIL, then paying by certain credit
cards results in GETTING SOMETHING FOR NOTHING!
Take for example the Tesco Visa Card. You can use it practically everywhere for all your USUAL PURCHASES whether groceries, petrol, clothes, theatre, holidays, air fares, insurance etc. You are not changing your usual expenditure, but for every £2 you spend using your Tesco card you earn l clubcard point, and if you use it in a Tesco store then you get l clubcard point for every £1 you spend It's amazing how quickly the points mount up and every quarter you will receive Money Vouchers which you can use for FREE GROCERIES. Believe me, shopping around the supermarket is not such a chore when you don't have to pay at the checkout. BUT DO REMEMBER,YOU MUST PAY OFF YOUR BALANCE EACH MONTH BEFORE THE DUE DATE. I can almost hear you saying 'Yes, but what if I forget? My memory is not what it was'. WELL, SET UP A DIRECT DEBIT with your bank, and they will remember for you and automatically pay from your account every month.

NOW, if you would rather have CASH RETURNED TO YOU instead of grocery vouchers, air miles, etc. then American Express Blue Card pays you l% cashback on your purchases (2% to new card holders for the first 3 months). Nationwide Cash Reward Card pays you ½% cashback (1% for the first 6 months).

AND whilst we are talking about Nationwide, their card is about the only card I know that doesn't incur a charge when withdrawing money abroad.

ALSO a good way of keeping control of your finances and viewing your account on a day-to-day basis from the comfort of your home is to open a Nationwide e-Savings account together with a current Flexaccount. This way you can ensure that only a very small amount is kept in the current Flexaccount and the bulk is kept in the e-mail account where it earns a very good rate of interest. Then, when you need to write a cheque, with a click of your mouse you can transfer the desired amount to the current account.

BEFORE I LEAVE YOU, A WORD OF WARNING … IF YOU WANT TO KEEP YOUR FINANCES HEALTHY DON'T BE TEMPTED TO EVER TAKE OUT A STORE CARD WITH THE WELL-KNOWN HIGH STREET STORES such as Comet Debenhams, Laura Ashley, etc. Some of them charge almost 30% interest. So that wonderful sale bargain you thought you got for £100 could in fact cost you almost £130.
So, if you already use them my advice would be to clear the balances as soon as possible and then tear them up.

REMEMBER, ANY CARD YOU USE SHOULD BENEFIT YOU AND NOT THE CARD ISSUER, AND BY USING THE RIGHT CARD YOU CAN PUT THE MONEY YOU SAVE TOWARDS THAT HOLIDAY YOU DESERVE. HAPPY SHOPPING!

Tescos onlineClick here to visit Tescos

 


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Visit Mabels…Maintaining Bygone Times, containing numerous articles thoughtfully researched mainly for the older person. You may access these articles by visiting http://www.mabels.org.uk/ - You will learn about the best tips to improve your health, fitness, finances, safety as well as information on nostalgic topics, places to visit, leisure & lifestyle, mobility & helpful organisations to make the most out of life.

 

 

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