Posts tagged ‘Save’

Money Minute: 3 ways to save on rent

Money Minute: 3 ways to save on rent
Tyga Ordered to Pay up and Move Out! Tyga has been ordered to pay $ 70k in back rent. The 25-year-old rapper failed to appear in court on Monday over a dispute with the landlord of his Calabasas, California home but was ordered to pay the money he owed …
Read more on Yahoo Finance

Police Reports
Report taken. • Caller reported male just left Speedway North in a white SUV intoxicated and ran over curb. Officer checked area but was unable to locate. • Subject brought in credit card that was found on S. Washington St. near tracks. Owner notified …
Read more on Circleville Herald

American Consumer Credit Counseling Celebrates 529 Day by Offering Five Useful Tips on How to Save for College


Boston, MA (PRWEB) May 28, 2015

With the cost of college and the average amount of student loans skyrocketing, national financial education nonprofit American Consumer Credit Counseling is celebrating 529 College Savings Day on May 29th by sharing useful tips that will help students make money-savvy decisions and save for school.

Personal finance can be a tough subject for college kids and parents, but it is one that needs more attention. Today young adults are graduating college with more student loan debt than ever. According to a report released by the Federal Reserve Bank of New York in February, student loan debt has climbed to $ 1.16 trillion. The average American college student is now graduating with $ 33,000 in debt, and 52 percent of parents feel it is more important to save for their kids’ college education than their own retirement, according to a recent T. Rowe Price survey.

“As a nation, we are not saving enough for our children’s college tuition,” said Steve Trumble, President and CEO of American Consumer Credit Counseling. “While college is incredibly important for the futures of so many young Americans, figuring out how to pay for it is one of the most difficult challenges facing millions of students and their families.”

A 529 plan is one option for families to save for college. A 529 plan is an investment plan operated by a state or educational institution, with tax advantages and other incentives to make it easier to save for college for a designated beneficiary, such as a child or grandchild. Operating similar to IRA and 401(k) plans, 529 college savings plans allow parents to save for a child’s education tax-free through an array of investment options. There are two types of 529 plans: prepaid tuition plans and savings plans. The plans are named after Section 529 of the Internal Revenue Code and are administered by state agencies and organizations.

In addition to a 529 savings plan, American Consumer Credit Counseling has put together these five tips that will help students and their families save for college and manage expenses during school:

1.    Learn to Budget Now – Developing a realistic and manageable budget is a valuable lifelong skill that is essential for anyone in college, preparing to go to college, or just graduating. Start by using a budgeting worksheet for students to get an accurate picture of your income and expenses. By comparing and contrasting your total income and expenses, you will be able to create a feasible budget plan. By sticking to your budget, you will avoid going into any unnecessary credit card debt.

2.    Beware of Credit Card Debt- Credit card companies target college students because they have little experience managing their money. If you sign up for a credit card, don’t get carried away. Get your payment in by the due date or you’ll be slapped with late fees and create additional debt for yourself.

3.    Work – Consider a part-time job, tutoring, paid internships, and work-study programs to earn and save money while in school. If you’re looking to get an apartment after graduation, make your student loan payments, or relocate for a job, saving for your future will help you in the long run.

4.    Use your Student ID for Discounts – Not only will you need it to enter your dorm, the dining hall, and the library, but your student ID can also earn you discounts at hundreds of retailers nationwide. If you are not sure if a company offers a student discount, just ask. Check out the College Financial Workbook for a full list of discounts.

5.    Be Aware of Your Financial Situation – Too many students graduate from college without any idea of how much they’ll have in student loans, or how much to expect to make at their first job. Make sure you know how much school costs per year, what your parents are covering, what you’ll be expected to cover, and budget for rent and living expenses accordingly.

ACCC is a 501(c)3 organization, that provides free credit counseling, bankruptcy counseling, and housing counseling to consumers nationwide in need of financial literacy education and money management. For more information, contact ACCC:


    For credit counseling call 800-769-3571
    For bankruptcy counseling. call 866-826-6924
    For housing counseling, call 866-826-7180
    Or visit us online at ConsumerCredit.com

About American Consumer Credit Counseling

American Consumer Credit Counseling (ACCC) is a nonprofit credit counseling 501(c)(3) organization dedicated to empowering consumers to achieve financial management and debt relief through education, credit counseling, and debt management solutions. In order to help consumers reach their goal of debt relief, ACCC provides a range of free consumer personal finance resources on a variety of topics including budgeting, credit and debt management, student loans, youth and money, homeownership, identity theft, senior living and retirement. Consumers can use ACCC’s worksheets, videos, calculators, and blog articles to make the best possible decisions regarding their financial future. ACCC holds an A+ rating with the Better Business Bureau and is a member of the Association of Independent Consumer Credit Counseling Agencies. For more information or to access free financial education resources, log on to ConsumerCredit.com or visit TalkingCentsBlog.com.







More Identity Theft Press Releases

how to save your credit card late fees

A late fee or bill would hover on your mind even when you are on holiday, a business trip or just relaxing at home. Wonder what this fee is? It is your credit card fees. If you fail to pay the fees on time it will cost you a lot. Delaying the payment of your card fees even by few minutes, might cost you approximately $ 39 for every delay. If you do not want to bear this, you must resort to some money management techniques that will help you pay your fees on time and not let you feel the need of credit repair at any time.

For an unpaid bill of $ 250, the companies usually charge a late fee fine of $ 19 to $ 39. Most service providers do not offer you a leniency period. Capital One is probably the only card provider which gives you a three day extension. But most of them do not accept late fees at all. To avoid this situation, you need to plan. The tips given below will help you make your payments on time.

Plan:

If you make your payments online remember that you would be charged an extra fees for same day transaction. So if you wish to pay via net banking, pay it three to four days in advance. Or else you would try to save on your late fees and in turn end up paying an extra charge with your bank.  For paying the fees via postal mail, keep a safe period of at least 10 days. Never take a risk with postal mail. Usually postal mails fail to reach on time. Phone payments should be the last option. Almost all banks charge you for this service even if you call them 10 days before or on the last day.

Auto payment:

Some banks provide the option of auto payment. Opt for this to avoid any delay in your repayments. This will help you stay away from all worries and still your payments will be on time. However, you have to assure that you have enough balance in your account.

Due Date:

If the due date of your payment comes on such time that you are usually not available at that time, then request for a ‘due date change’. Some service providers allow you to change this date. Choose a date that is easy for you to remember, you have sufficient balance to make payment and does not disturb your schedule.

Use these simple tips and resort to good money management habits.

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How to Stay Out of the Red and Save Some Green This Holiday Season

Dallas, TX (PRWEB) November 26, 2014

In 2013, retail holiday spending in the months of November and December totaled about $ 601.8 billion, according to the National Retail Federation, up 3.8 percent from the previous year. Although it’s easy to go overboard, paying for holiday gifts and celebrations doesn’t have to put a dent in your budget. The Texas Society of CPAs offers advice on how to make smart spending plans so you’re not left with a financial hangover in January.

Plan Ahead—Stores filled with endless gift possibilities make it easy to go overboard and spend more than you intend. That’s why it’s important to set a budget before you hit the mall or start browsing around online. Determine how much you can realistically spend, and set a maximum amount for each person on your list. Research online or look at newspaper ads before you shop to see which stores have the best prices on the items you’re looking for. Always keep an eye out for coupons, and make notes on what you’ve spent as you go along. If you spend too much, reassess your plans and decide how you can cut back on some gifts. By following these steps, you’ll have more control over your budget and no unpleasant surprises when you open your bills in January.

Set Deadlines—The longer it takes to pay off bills for holiday shopping, the more interest you’ll end up paying on your credit card balances. That’s why it’s a good idea to set a deadline—such as Valentine’s Day or St. Patrick’s Day—for making the last payment on your holiday bills. Keep that deadline in mind as you create your gift budget.

Give a Personalized Gift—We all tend to reach for our credit cards when we think of holiday gifts, but many thoughtful ideas cost little or nothing at all. For example, young parents may be delighted with an offer to babysit for an evening. A recent college graduate may appreciate cooking lessons or copies of easy-to-fix family recipes. You could also surprise an elderly relative or neighbor with an offer to do household repairs or run errands. A young family member may enjoy a visit to a museum or local historic site. Other low-cost, thoughtful gifts include a personalized 2015 calendar with family photos, or a favorite baked good. By using a little creativity, you can come up with truly memorable gift ideas that won’t bust your budget.

Pay Wisely—One guaranteed way to stay on budget is by paying cash for all purchases, making it impossible to run up big credit card bills. If you’re short on cash, use the credit card that has the lowest interest rate. Contact the credit card companies directly if you need a reminder of the interest rate and terms of each account.

Your CPA Can Help—No matter what financial concerns you may have, your local CPA can help. Turn to him or her with all your financial questions.

ABOUT TSCPA

TSCPA (http://www.tscpa.org) is a nonprofit, voluntary, professional organization representing Texas CPAs. The society has 20 local chapters statewide and more than 29,000 members, one of the largest in-state memberships of any state CPA society in the United States. TSCPA is committed to serving the public interest with programs that advance the highest standards of ethics and practice within the CPA profession.







Commercial Movers inside Los Angeles Can Assist Company Owners Save Money Whenever Moving


(PRWEB) September 01, 2014

Melrose Moving Company has introduced a unique website post explaining how to move a company inside Los Angeles at affordable costs.

Los Angeles movers could assist company owners relocate their commercial spaces quick plus simple inside the Los Angeles location. Clients can pick within the following services: packing, unpacking as well as could furthermore buy moving supplies plus insurance.

Moving a company without specialist aid is dangerous, tiring plus pricey. A company owner might not have the time to correctly make the move plus to pack each object. A moving organization inside Los Angeles could handle any relocation with small or no guidance within the customer.

Los Angeles movers is hired online. Clients could learn more regarding affordable moving services inside Los Angeles by reading the newly introduced website post.

Melrose Moving Company is a Los Angeles-based residential plus commercial moving firm. Originally established inside 1999, plus has been thus favored which the owner began other moving firms, including Los Angeles Movers, Movers Los Angeles, plus Los Angeles Commercial Movers, all that are operated by Melrose Moving. The moving organization is certified by the Public Utility Commission (PUC), plus has an A rating with all the Better Company Bureau (BBB). Melrose Moving accepts cash, checks, credit cards, plus Paypal.

For more info, visit http://www.moversantamonica.com/

Call now: 1.800.431.3920.







Credit Monitoring Services Can Save Your Credit Score

Article by Alphonse Adams