money saving tips

do you need credit card?

A credit card is a card issued to users as a system of payment. It allows its holder to buy goods and services based on the holder's promise to pay for these goods and services.

                      

the first tips to saving money is

 we must not expenses over a budget,but when we had a credit card,we can hold the payment.

credit card are main factor that will make us over a budget. 

so its very reasonable we mush and need to  whether the credit card is still needed or not..

not all that,..we should know the advantages and disadvantages of using credit card.

advantages of credit card:

• many credit card companies will give discount,bonuses,rewards,incentives goods and many more to customer.
• make online purchase are more easily.
• can be use in an emergency and in desperate attempt to need the money immediately.
• no need to carry many cash

disadvantages of credit card:

• tend to spend more than a budget
• you have to spend big to collect points. so, do not never effected.
• many credit card owner cannot manage the credit card nicely until declared bankrupt by the court.
• if a credit card was stolen ,we had to pay the debts that has been stolen by thieves.
• if we only use a credit card for once per year,its more better we canceled it because credit card interest per year is 18%.
•  
• There are additional fees and charges if you pay by credit card.
• if we only pay the minimum on each the month,we take a long time to pay credit card debt.

there are several tips using a credit card.

•  
• . Read the terms and conditions before intends to engage credit card.
•  
•  Pay your credit card debt as soon as possible and do not delay!
•  
• Set your spending limit based on your income get.

Hopefully this tips can help you. 

Remember, credit cards only financial instruments provided by the bank.

 It's up to you to assess whether or not have a credit card.