Credit Card Fees-Lead To Staggering Amounts Of Debt

Monday, December 17th, 2012

Money is tight for a lot of people, and most of us are forced to live paycheck to paycheck. We also tend to rely on things like credit cards to get us by. This has led to staggering amounts of debt for thousands of people. Credit card debt is one of the primary forms of debt in America because of this. So if you are one of the people in debt, you know how stressful it can be and how much you wish you could claw your way out.

Dealing with all the Credit Card Fees, the endless phone calls from your creditors, the stress of knowing that most of you money is going to just paying off these things, all the while forcing you to continue use them. It is a vicious cycle that can be exceptionally difficult to break.

But while it is difficult to break, it is by no means impossible. In fact there are some fairly simple tips you can use to slowly pull yourself out of the hole of credit card debt.

The first step in getting out of debt is to create a budget. Look at how much money you get every month, then look at how much money you spend every month. If you sit down and look over your expenses, I am sure you will notice a lot of frivolous things that you can cut out to help yourself with those Credit Card Fees. Something as simple as getting a coffee in the morning can really add up.

If you can cut down these unnecessary expenses, you can then take that extra money and apply it to your debt. It may be tempting to throw it at your largest debt first, but this is the wrong move. We need our little victories, and it is also a snowball effect. So if you have multiple credit cards and are in debt with each, look at the one with the least amount of debt.

If you take that money you are saving and put it all towards paying off the lowest credit card, you can make some serious progress and actually pay it off quite quickly. This will give you that victory you need, it will boost your morale as you can see you really can claw your way out.

But that is only the beginning. From there you will want to apply, not only the money you had been saving by cutting back on unnecessary expenses, but also the money you are saving by not having to make payments on that credit card. Now you will have a lot more money every month that you can apply to the next lowest debt.

It is a rinse and repeat process from here on out. You just take the money you save by paying off a card and apply it to the next highest one. It will take a long time to knock out those Credit Card Fees if you are deep in debt, and you may need to do some extra work to get there. But by utilizing this method you can make some serious headway in your fight against your debt.

Airline Price Wars-Capitalize On Your Air Fare

Thursday, December 6th, 2012

Most people travel to some degree or another, be it for vacation or work. Whether you travel a lot or just the odd vacation, you will want to make sure you get the best deal on any airline tickets. Taking a plane can be a bit pricey, especially when you add it into all the other expenses you have to deal with when traveling, so making sure you pay the least amount of money is an important aspect to keep in mind.

If you are looking for some ways to help capitalize on Airline price wars and get yourself the best possible deal, then look no further. The following list of tips are things you can do fairly easily, but despite being easy they can also save you a lot of money.

1: Book your flight in advance. If you know you are going to be flying somewhere months before your actual trip, then book ahead. Many airlines will offer discounts to those who book a month or more before their actual flight. You can also use the months leading up to keep tabs on the various competing airlines, as prices can fluctuate greatly as the different companies get into Airline price wars, driving overall prices down.

2: Be flexible. If you are going to be traveling somewhere, try to be as flexible as possible. What day you fly on, or even what time of the day can greatly effect your prices. If you book a flight during off days where people do not want to travel, as well as times when people do not travel, you can get huge discounts. It is a little more cumbersome, which is why a lot of people do not do it, but it is a great way to save yourself a little extra money.

3: Check for upgrades. A lot of airline companies will offer a variety of deal packages and upgrades that most travelers simply are not aware of. For example, active military personnel often get a discount on many flights. Other such great deals can be out there if you go looking, so with just a bit of investigative work you can save yourself even more money.

4: Bundle up. This is a more common approach to getting a good deal on your airline, as I am sure you have seen commercials telling you to bundle up your services. But it is true, if you bundle up your hotel, rental car, and flight you can often save money then if you had paid for each one separately. If you are going to be using these things anyways, why not take the cheaper approach?

Finding ways to save money on your trips really is not that hard. While it can be a bit time consuming, especially if you wait for Airline price wars to drive the prices down, it ultimately does not take that much effort and can make a huge impact. Every dollar you save on your traveling expenses is another dollar going to your vacation, or anything else you may want or need it for.

What Dog Breed I Recommend To My Friends

Sunday, November 25th, 2012

To recommend a good dog breed to someone, you need to know two things:

1. You must have an in-depth and personal experience with many different breeds. And more specifically, you must have multiple experiences with each breed. When you’ve been training dogs professionally for about 10 years, you’ve seen pretty much everything cross your path, at least three or four times. And for the more popular breeds, you’ve had literally hundreds of experiences that can put you in a very good position to analyze the pro’s and con’s of each breed.

2. You need to understand both the wants and needs of the family who is looking to adopt a new dog. A couple who have very dominant personalities and no children will generally be able to handle a dog with more horsepower than would a quiet, submissive couple with a few small children.

That being said, here are the top five breeds I recommend to people I don’t know very well:

1. Golden Retriever: These dogs have a soft, pliable and easily trainable temperament. They are very pain-resistant and very forgiving to the owner who accidentally steps on a toe or clumsily trips on the dog. Purchased from a good breeder, these dogs are a joy to own.

2. Poodle (any variety): These dogs score extremely high on both the trainability scale and on the intelligence scale. I’m always amazed at how quickly these dogs can pick up an new behavior. It’s almost like communicating to a human in dog clothing. If it wasn’t for the sissy factor, I’d probably own one myself. Professional dog trainers see very few dog owners who walk through the door with troubling behavior problems. If everyone owned a Poodle, we’d all be out of business.

3. Australian Shepherd: Not to be confused with the Australian Cattle Dog (also an excellent breed but not for the amateur or weak owner) the Australian Shepherd – if obtained from a quality breeder – is fantastic. I don’t think that there is anything you can’t train this breed to do.

4. Boston Terrier: These dogs are clean and quiet. They make a fantastic house dog and are very easy to get along with. A perfect companion for the elder dog owner, or just somebody who wants a very peaceful dog ownership experience with a breed that is not very demanding.

5. Shetland Sheepdog: Small, easily trainable and possessing a soft temperament, they are intelligent and – with the right training techniques – will learn new behaviors very quickly.