Low Interest Credit Cards

Financial planning is one way to ensure that your family would be able to have a good financial future. Whatever happens in the future, it will all depend on how you are making financial decision right now. It is such a critical thing when you plan your finances. However, here is a simple piece of advice in achieving successful financial planning.

Think of how you could make money. When you work, make sure you are working efficiently and you earn enough money as much as possible. If you feel you do not fit the job given to you by your boss, leave and find another one. It is necessary that you do not work only for money but you also love what you are doing. Always believe in yourself and the amount you are earning and you will surely reach that peak of success.

While you are earning, learn how to budget and buy only the things that you need. Save as much as you can and do not spend more than what you earn.

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A Nectar point is roughly worth 1p, but its value depends on how you redeem the points – they generally go further when used outside the store: at theme parks, for example, and other attractions.

If you use the card outside Sainsbury’s, you get one point for every £1 spent. The interest rate on the card is 12.9 per cent.

The other scheme is the Sainsbury’s Credit Card and offers 0 per cent interest for the first 12 months on purchases and balance transfers. You don’t earn Nectar points on the card but have to be enrolled in the loyalty programme to qualify.

But the interest-free deal could save you more in the long-run and is a best buy for 0 per cent offers.

Stuart McKeggie, head of Sainsbury’s credit cards, said: “Over the past few months, the credit-card market has seen interest rates rise steadily. Ou

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But make sure you set up a direct debit to pay the minimum each month. If you miss this, the introductory deal usually disappears.

2 BALANCE TRANSFERS

This type of credit card allows you to switch an outstanding balance and pay no interest for a fixed period.

Once the interest-free time limit is up, make sure you repay your debt or switch to another cheaper card, otherwise you will end up paying high interest rates of more than 18pc.

The best deals available include the Santander credit card, which charges 0pc for 15 months with a 3pc fee or the Egg Visa card, which charges 0pc for 14 months, also with a 3pc fee.

Remember never to spend more money on the credit card once you have transferred your balance.

3 FREEBIES

It is possible to bag free flights when taking out a credit card and then cancel the card afterwards. Moneysavingexpert.com lists the best freebies, which include a free European return flight if you take out and spend £10 on a Lloyds TSB Airmiles Duo card.

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Who knew someone with trouble moving her jaw could do jaw-dropping comedy?

An online video clip featuring reality-TV star Heidi Montag has already received more than 1 million views and is burning up the celebrity blogosphere since its posting on Tuesday. But Montag, famous for her stint on MTV’s “The Hills,” (and more recently for her numerous plastic surgeries) isn’t peddling a new reality show or designer clothing line. Rather, the clip shows Montag, decked out in diamonds and a skin-tight dress, pushing for consumer protection reform.

Produced by movie director Ron Howard, the video is part of an unusual marketing strategy by consumer watchdog agency Americans for Financial Reform that aims to warn consumers of the dangers of credit card debt, hidden fees and standard interest rate increases. The spot appears on the wildly popular humor Web site FunnyOrDie.com. (Watch clip below)

Forget about newspaper op-ed columns and loud-mouthed radio talk show hosts.

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When most of us find ourselves so incredibly deep in debt — credit card or otherwise — there’s not much we can do. If we’re lucky, our creditors will work with us to make a deal and lower our interest rate or give us more time to pay off what we owe. Rarely is debt ever just forgotten or canceled — that is, unless you are an impoverished country.

It’s been announced that a group of countries are canceling about $1 billion of debt that Afghanistan owes them. In March 2009, Afghanistan’s public debt was estimated at $2.1 billion; half of that is owed to the Parish Club, which, according to CNN, is “an informal group of creditor governments from major industrialized countries that meets monthly in Paris with debtor nations on restructuring their debts.”

The club is forgiving the debt partly because of Afghanistan’s involvement in the program Heavily Indebted Poor Countries.

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