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Taking Advantage of Bad Credit Credit Cards
By Morgan Hamilton
If you have bad credit, you may probably think that there are no decent bad credit credit cards. As a matter of fact, bad credit credit cards do exist, but they are not always advertised as such. You Read more...


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Student Gas Credit Card Comparison
By Jeremy Biberdorf
For a student, it can be difficult to get a credit card that saves money on gas. The best credit cards require a minimum annual income. The average college student does not have the time for classes Read more...

How to Save Big Money with a Gas Station Credit Card
By Rosanna Yee
The average American spends over $2000 a year on gas alone. Gas and fuel is a billion dollar industry. How can we save on gas? There are the usual tips offered to you such as keeping you vehicle well Read more...

What to Look for in Balance Transfer Credit Cards
By Morgan Hamilton
Balance transfer credit cards can be quite tempting. They offer a person the opportunity to ditch those nasty high interest rate credit cards, while usually throwing in some nice incentives to Read more...

An agreement in which a borrower receives something of value in exchange for a promise to repay the lender at a later date.

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Keeping Track Of Credit Card Spending
By Peter Kenny
Credit card spending can be hard to keep track off if you are not disciplined, but it is important to monitor your spending in order to stop yourself getting into huge debt. If you are having trouble keeping tracking of what you spend on your cards, then here are some useful tips to help you control your spending.

Take stock and stop spending

Before you do anything, you should stop spending on your card and look at the situation you are currently in. Whether you have virtually no balance or a large debt, it is important to see exactly how much you have spent. This is the first step to managing your spending.

Make notes on your spending

Once you know what the situation is, start using your card as you normally do and monitor your spending. Take notes every time you spend money on your card, and look at how much you spend and what you spend it on. By dividing what you spend into categories you can see the areas that you are spending the most money, and where you can cut back on your spending.

Transfer balances

If you have a number of cards, then transfer the balances onto the lowest interest cards if possible. This will reduce the amount that you are paying in interest on your balances.

Get rid of cards

Once you have paid off some of your balances, then you can get rid of some of the cards that you have. You should make sure that you have only one or two cards, as this will help you to more easily keep track of spending.

Create a budget

Create a budget for yourself that you can stick to. If you look at how much you earn each month, and the subtract all the essential bills and spending from that, you will see how much money you have left to spend on extra things. Make sure that you stick to this budget, as it will help you to spend wisely

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and not get into debt.

Bank online

Banking online can really help you to keep track of your card spending. You can easily check your balance at any time of the day or night, and can instantly see what you have spent daily. Also, you can transfer your bank statements into an accounts program to better help you manage your money.

Credit cards for emergencies

Although spending on cards is a fact of life for most people, you should try and keep card spending to a minimum, and keep the cards handy for emergency situations. Also, try and save some money each month, as this will reduce the need for cards. Credit cards are a very useful financial tool, and if you monitor your spending properly then you will get the most out of your cards.
Peter Kenny is a writer for creditcards-gb.co.uk Please visit us at Credit Cards and Credit Cards UK Visit www.creditcards-gb.co.uk

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