If you hold more than a credit card, you can do a little 'pre-planning before you send your money. Planning ahead will help you, your budget and cost-efficient and avoid unnecessary hunger for cash.
The first step is to make your monthly billing program. Here are some important things that need to be aware of:
Invoice date - This is the date on which they were printed. Most likely will be 2 or 3 days before the date of receiptStatements.
Payment Due Date - This is the last day you must make the payment. It is necessary to avoid paying the minimum amount due on late payment penalty
Together with the date of the invoice, you can work outside of the grace period, if you do not know.
The next step is to understand the amount due.
Total Due - This is the sum of all the stocks in the previous month and all the new interest and costs incurred for 'month.
Minimum Amount Due - This is a small percentage of the total amount due. The percentage is a credit card to others, but is about three per cent rule. This is the amount you must pay to obtain a good position with the card company and to avoid charges for late payment.
The third step is to understand the date of cash flow. For most people, the day they receive their salaries. For some, since itsother sources of income such as part-time or business of leasing real estate.
Once you have a clear understanding of your cash flow and output, so you can plan your budget and the cost of care. In fact, we have an understanding of whether you have a positive cash flow each month. If there are too many months in the case of negative cash flow, it is necessary to analyze the costs and measures needed to reduce costs.
Now your goal is to always paythe implementation of the bill credit card in full and on time. If you know where your money goes in and out, you have a good idea if you need to set aside money for purposes of bill payment.
Sometimes it may be necessary to make a balance due to unforeseen circumstances, such as medical expenses due to a small incident. In such cases, you should do your best to pay it all back in the middle of next month.
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