Tag Archives: credit

How to Organize Bills

**How to Organize Bills**



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Establish this system to get all that paperwork in order and avoid expensive late fees resulting from mismanaged mail.

Step 1: Pick a spot
Pick a place at home to put bills that need to be paid. When you retrieve the mail, sort through it and immediately put the bills in their designated spot.

Tip
A folder or bin will work the best.

Step 2: Decide when you will pay bills
Decide how often you will pay the bills. Depending on when most of your bills are due, pay them biweekly or at the beginning or end of the month.

Step 3: List your monthly expenses
Make a list of the bills that you pay every month. Include bills that are automatically deducted from your account.

Tip
Use spreadsheet software to add your bill totals every month. List the bills to be paid in the first column and identify the months along the top row.

Step 4: Separate the list
Separate the list into groups of when they will be paid.

Step 5: Pay your bills
Retrieve your list and paper bills to be paid from the bin when it is time to pay the bills.

Step 6: Write the amount
Compare the bills from your bin with your list and write the amount you will pay on your list. Fill in payments that are automatically withdrawn and add any unexpected bills that have arrived.

Step 7: Repeat the system
Repeat this system every time you pay your bills. You will be able to keep track of how much you spend and will not miss a payment if the bill gets lost in the mail because it will be recorded on your list.

Did You Know?
The U. S. Postal service processes 405,000 pieces of mail every minute. Most of them are probably bills.
how to organize bills establish this system to get all the paperwork in order and avoid expensive late fees resulting from mismanaged mail you will need a designated location and a list of monthly expenses optional a folder or bin a computer and spreadsheet software step 1 pick a place at home to put bills that need to be paid when you retrieve the mail sort through it and immediately put the bills in their designated spot a folder or bin will work the best step to decide how often you will pay the bills depending on when most of your bills are due pay them bi-weekly or at the beginning or end of the month step 3 make a list of the bills that you pay every month include bills that are automatically deducted from your accounts use spreadsheet software to add your bill totals every month list the bills to be paid in the first column and identify the months along the top row step 4 separate the lists into groups of when they will be paid step 5 retrieve your list and paper bills to be paid from the bin when it is time to pay the bills step 6 compare the bills from your bin with your list and write the amount you will pay on your list fill in payments that are automatically withdrawn and add any unexpected bills that have arrived step 7 repeat this system every time you pay your bills you will be able to keep track of how much you spend and will not miss a payment if the bill gets lost in the mail because it will be recorded on your list did you know the u.s. postal service processes four hundred and five thousand pieces of mail every minute most of them are probably bills

How to save money online: Book flights and trains at the cheapest times

**How to save money online: Book flights and trains at the cheapest times**



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Find out how to save money online with voucher codes:

Learn how to save money on train and flight tickets by getting your timing right. The cheapest time to book train tickets is 12 weeks in advance and with flights it’s five weeks before departure. You can also save money on travel by setting up email alerts to get advance notice of the best deals. Or by downloading an app for your desktop or mobile that will notify you when prices drop.

For even more ways to save, watch our money-saving tips below.

Find out how to save money at online outlets:

Find out how to save money online by setting up price drop email alerts:
whenever you're booking a train or flight ticket it pays to get your timing right. The cheapest time to book a flight ticket is often 5 weeks before and with a train ticket it's twelve weeks. You can even set up reminders, so you don't miss the cheapest seats. make sure you're better off online.

💳 5 Rules You Need to Know for American Express 💳 Credit Card Applications

**💳 5 Rules You Need to Know for American Express 💳 Credit Card Applications**



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Before you apply to any American American Express Credit Cards you need to watch this video. These 5 rules for Amex applications are super important and most people don’t know about them.

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Travel Rewards Coach take a unique approach to the travel credit card rewards game. Jason uses travel points & miles to travel the world free full time through the art of travel hacking.

I teach my students how to maximize everyday spending to maximum points accumulation or cash back. Travel Credit cards can be an amazing way to earn free travel & increase your credit score & net worth when used correctly.

Using my method of “Reversed Engineered Travel Hacking” coaching my students earn the most miles possible for the destinations they want to go based on the way they already spend money. They also learn how to save more miles (& fees) when redeeming their points.

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what's up guys today I'm going to talk about the five rules that you need to know for American Express credit cards and credit card applications okay so American Express is a bit picky and their rules are a bit more strict than some of the other credit card holders so there's five rules that you need to know okay so rule number one is you can only get a credit card sign up offer once a lifetime so you may be able to get a card cancel it apply again and get approved but you cannot get that signup bonus that being said you get most of the value or at least a lot of the value on most cards from the sign up bonus so if you're not able to get a sign up bonus for a travel rewards card then it's almost certainly not worth getting that card so you got to be very careful while when applying the cards and make sure that you get an escalated sign up bonus American Express is always having specials and offering higher signup bonuses an offer to retain your customers so be sure that you do some research and find out what is a normal offer and wait until they do have a higher offer than normal that way you get the most value out of this as possible rule number two is that you can only get a proof or one card every five days so to go to proof of that second card you have to wait six days now rule number three is that you can only apply you can only have two cards in 90 days so basically to get that third card you have to wait past that 90 day period to get approved for a third American Express card the fourth rule is that you can only have five active American Express cards at a time to get approved for more cards if you already have five open you're basically going to need to close one of those cards down and be very careful with what cards you apply for to get that you know higher signup bonus as well as what cards you're currently keep open as you only have access to five of them now I will say that the American Express charge cards which are different than credit cards do have different rules and it seems that you can have as many of those as you like they do not have spending limits and basically you're just supposed to pay those charge cards off every month at the end of the month and if you don't you get a fee so they're a little bit different than credit cards but the rules on one card every five days to every 90 days do not apply but the once-in-a-lifetime rule does apply but the fifth rule is for American Express cards is it you want to keep your total spending limit under thirty thousand dollars is what I recommend so data points say that you can have it as high as thirty five thousand dollars and why you want to keep it under thirty to thirty five thousand dollars as once you have it over thirty to thirty five thousand dollars that they have been known to do a what is known as a financial review these are very dreaded and travel hacking nobody wants to deal with it and it's a really big pain in the ass basically what that is is they're gonna want to see proof of your income proof of where you live just ask for a whole bunch of documents and question you like they're the FBI and you're and being investigated for murder so in order to not have to deal with that nobody wants to deal with it trust me your spending limit under thirty to thirty five thousand dollars if it starts to start creeping up there all you have to do is call American Express and have that number reduced because most people do not need that much anyway so comment below and tell me what is your favorite American Express card also let me know if there are any other travel hacking tips or digital Nomad questions that you have for me and I will make a video to answer those for you this video was helpful please give it a thumbs up or share it with a friend really helps me out and thank you for your time again guys I will talk to you tomorrow thanks you

Understand cash advances

**Understand cash advances**



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Be aware that interest charges on your credit card start as soon as you take out a cash advance. Understanding your financial rights and your responsibilities …