Currently we are entering summer school holidays beloved sons and daughters. Congratulations to your son or daughter who has graduated and plans to continue to the next level. As a parent of course, graduation is so comforting especially the value obtained by the baby quite satisfactory. While there is hope for your child that usually they want the success they achieved either in kind or other. I believe as a parent you certainly have the desire to fulfill their happiness as a form of appreciation for the work done.
Not infrequently many of you are using a variety of ways to please them. One is to use a credit card. And if not well planned use of plastic cards for consumptive activities can be fatal for you. Especially at a school like this holiday season. Where a lot of various offers of goods and services that arouse from the manufacturer. Do not let the baby just wants to please you will be frowned for a long time paying their bills that come to the house.
That does not mean you should not use credit cards this holiday season. If you are smart and want a little plastic card business could benefit quite a bit for the owner. The trick? Continue to update with information that offers credit card issuing bank has to offer you this very moment. Usually at this season as the bank will persuade customers to use their credit cards with special offers either cooperate with the mall, café, hotels to travel.
We explained again that it is credit card debt card. For that there are four strategies the use of credit cards in the holiday season for the four personality types you need to know:
1. The first strategy :
strategy for the type of personality “Paying Debt”. Appropriate strategy for this type is to use a credit card with an annual interest rate or Annual Percentage Rate is the lowest. But provided you are sure to pay off most or all of your transactions are done over the holidays in the near future.
2. The second strategy :
strategy for the type of personality “Fiend Reward” or “The Rewards Junkie”. You are of this type when constantly trying to keep your entire credit card rewards program. The strategy for this type is to use a credit card that gives reward diligent for all transactions. Be diligent to find out a variety of special offers during this holiday period. For example, 25% cash back offer of redemption to shop.
3. The third strategy :
strategy for the type of personality “Hunter Discount” or “The Hound Discount”. You are of this type if you are always hunting items at discount stores. For this personality type you should use a specific credit card issued by stores, shops, some supermarkets, and after that please buy goods that are offering discounts during the holiday season in that place.
4. The fourth strategy :
strategy for the “Holiday Travelers” or “Holiday Traveler”. You are of this type if you prefer to walk to exotic places or visiting relatives.
Here are some expenditure items based on the priority order for out-of-town vacation.
1. The first is the postal transportation.
Make sure the transportation budget already includes round-trip for the whole family. Separate transportation money. With other budget headings. In addition to the number of participants who go on holiday the amount of transportation cost depends on the type of transport you choose whether to use an airplane or train your own vehicle.
2. The second heading is the cost of accommodation and meals.
Should do research first place of lodging for your family at the destination location from the most expensive to cheap. If necessary there is no harm in “booking” the desired hotel from a long day. In addition to cheaper we are forced to decide how long we’re going on vacation. Besides taking into account the combination of eating places to be visited. Remember eating is the most flexible expenses. The size depends on how we want to enjoy it.
3. The third heading is the cost of shopping.
Having prepared the main costs do not forget to prepare the cost of shopping. This is a fund that you spend in the holidays. Determine from the house what would you buy at tourist sites. Buy something that is typical of the location of your tour. Add 15% of funds for expenses such as snacks for children who want to spend to buy snacks or drinks
4. The fourth heading is the cost of souvenirs.
Perform this expenditure at the end of the holidays. Do not fall for it out at the beginning. Usually we want to give a gift in the form of a variety of souvenirs or special food to friends or relatives nearby. Of course, this souvenir is optional. So if there are any other fees are not quite sure on the cost of a gift is that you should cut.
5. Last unexpected costs.
Unexpected costs prepared in the event of unwanted things like accidents during holidays and sick family members so forth. These funds are also useful as initial funding for life after our return to the city of origin. Because often the case when the family returned from vacation atmosphere that has not changed so it still need to eat out and so on. So it must be remembered that these unused funds must remain intact until the return home. Not the additional holiday shopping or other expenses. Unexpected costs can also be prepared by using insurance protection so do not hesitate to take.
The interest rate is not fixed. It is based on several factors, namely:
The first level of credit card usage. The more transactions you make with a credit card or the longer you do not pay the entire bill until maturity, the greater the interest will be charged.
Both of the rates will be affected the pattern of your credit card bill payment.
And the last periodic review or habit patterns and how to use your credit card payment.
Indeed, the problem that often arises is the lack of customer information on when credit card interest rate will be imposed on them and the way the calculation.
For it is necessary to explain, that credit card interest will appear in the following three conditions are in:
If you pay less than the total of new bills that have been charged in your bill.
Or if you make a payment due date passes.
And also when you make cash withdrawals from credit cards.