Credit Card Control Guide

Often we hear in our credit cards facilitate spending because they do not need to carry cash. We have also complained because the expenses so easy because we cannot control the purchase via credit card. Consequently the debt is increasing. Here I list tips that can be practiced so that we are not too extravagant and easy to use credit cards.



1. Assume as credit card debt card. Only use credit cards when we have cash reserves to pay the debt.


2. Pay within 30 days. Avoid using your credit card if you do not have savings for repayment within 30 days. It will harm because we are forced to pay high interest.


3. Knowing your credit card balances. Make sure we know the total usage and make sure we can pay within 30 days.


4. Make sure no errors in billing. Check the monthly bills received by keeping the receipt of each purchase made. Make sure there is no error in the monthly bills received.


5. Wear one card only. With many cards it would have led us to spend more.

Things To Consider Before Opening A Joint Account

There are many reasons why many married couple want to open a joint account. Among the objectives is to increase the sense of togetherness between them through something that belongs together. But if we need to open a joint account, first we should consider the following matter before making a decision:



1. If you can, talk with your spouse about what the actual purpose of opening the joint account.
2. Discuss the need for any money in the joint account will be used.
3. Specify who will saving the money into the account and what amount. Who will make a saving, you or our spouse or both parties.  
4. When the joint account is used to pay monthly spending, so we recommend a detailed plan before withdrawal.
5. Do check every month of the withdrawal was made.
6. Get ready to face the situation that is not expected that the used of money does not get agreement both parties.