Flavia Blog

Credit is good, but only when it is absolutely necessary. An irresponsibly used credit card is a sure shot way of getting yourself into a debt trap that is nearly impossible to get yourself out of with out the help of a debt professional. So, for those who feel that they have been adorned with the privilege of being trusted with a credit card, this could be a wake up call to stay out of debt.

Use Your Credit Card for Emergencies

Make it a rule to use your credit card only for emergencies. You never know when you will need the credit facility your card offers you. Though the card facilitates you to buy something you would not normally be able to buy with cash, you should try to pay some amount of the bill through cash and the rest through your credit card. This will make it easier for you to repay the bill when it comes.

Dont Use Your Entire Credit Limit

Your credit card may offer you a limit that is ten times your monthly salary. www.onlinecreditcardsinfo.com This is a temptation of getting into a debt trap where you will be repaying the interest most of the time. Try to use only 10 percent of the credit limit of the card. Do not over spend unless you are sure you can spare the cash from your next salary cheque. Dont rush to use your full credit limit.

Repay Maximum of the Debt You Have Incurred

Make it a practice to repay the maximum of the debt billed to you. Many people try to stick around the minimum amount they have to pay, which is typically 10 percent of the bill amount. At this rate you will take about six years to repay the debt if you keep on using the card. Try to keep your credit card expense limited to 10 20 percent of the credit limit and repay as much as you can every month.

Keep Your Card At Home

If you find you are over spending try leaving your credit card at home when you go out. Take it with you when you feel you actually need to use it in an emergency.

Do Not Give Out Your Security Information to Anyone

Your security information is kept secret for a reason. Do not give this information to anyone. Not even to your best friend or credit card representative. This information includes date of birth, PIN and security questions.

Verify a Merchant Bill

Verify that the merchant outlet you have swiped your card at has only swiped the card once. Else you will be billed twice for the same transaction and will be a hassle to undo.

Never Give Out Your CVV Code to Anyone

Without your CVV code (the 3 digit number behind your card) you cannot make any online transactions. Your card number combined with this CVV number can be misused by any one who knows both. So when using your card at any outlet, ensure the attendant is not recording the CVV behind your card.

Never Leave Your Card Unattended

Many credit cards are stolen from vehicles. SO never leave your card anywhere out of sight including at your work place.

Check If the Card Returned To You Is Yours

Sometimes by mistake and at times deliberately, attendants return redundant cards to customers and retain the actual card for misuse. Check that the card returned to you is yours every time.

Report Lost Cards Immediately

Do not wait to report lost or stolen credit cards. The damage might be much more than the nominal fee for blocking your card.

If you are careful with your card the above mentioned ten responsible actions regarding your credit card can save you many headaches and a lot of money.

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There are many things to consider before embarking on a divorce. Many of these concern financial and long term goal alterations. What happens with the home? With retirement funding? What about the children, their welfare, and future financial needs? Will there be complications with property, assets, taxes, and liens? Will you hire a lawyer to draw up papers and handle the negotiating, or will you do most of the work yourself? Do you have a consultant or good friend to guide you through all this?

WHEW ! Even though the above examples were financial considerations, Im sure you agree that each subject will carry with it some form of emotional difficulty.

Today I want to focus on a separate angle of emotional consideration before the divorce is made (if possible). This affects whether or not you need and want to still divorce. It also influences your future relationships regardless with whom you connect. The subject that truly must be addressed is: Emotional Healing.

Hey ! Everybody wants a great relationship right? Well, the more we have stored up in the way of unfinished or unspoken emotions and business the more we are unavailable and incapable to truly connect, find satisfaction, and experience fulfillment within our connections with other people.

As you know most divorces are built on walls of negative emotions such as (years of) pain, frustration, anger, resentment, jealousy, guilt, and misunderstandings. Living with unresolved emotions like these is like knowing you have toxic waste inside your body and knowing you can clear it out -- so DO IT ! :-) There are several options for accomplishing your emotional healing: a few follow.

Therapy can be fantastic for many people. The talking and sharing bring about new understandings over a period of time. This approach has worked for years. Check your local listings, ask questions, find the style and technique that will work for you. Coaching is a newer option that some choose. In coaching, individuals are given assignments which will uncover what is truly at the core, help them get honest, and make decisions from an authentic place. Spiritual counseling is another avenue that can help reframe the issues within a couples own context of who they are at a deeper level and by the principles through which they have committed to align their lives. Finally, there are also seminars, retreats and at-home retreat packages that raise issues, guide you to a clearer understanding of yourself, help you take ownership, allow you to move forward with more integrity and in emotional freedom.

Which ever path suits you best, I encourage you to investigate that option and engage yourself within it before cutting ties and believing that once the papers are done and signed life will just pick up afresh and anew. Give yourself the best gift of all: a clean heart and a freedom you may not have experienced in years. This way, whether you divorce or not you will be truly able to again feel satisfied and connected when relating to the one you love.

Until next time--- all the best,
Kate

Kate Hufstetler is a life coach and curriculum designer. Her clients come from both the United States and overseas. She offers coaching services via email and phone consultations. Her new product and service line is a unique offer of at-home retreat packages. The retreats can be done as a seminar or group retreat, but they are designed specifically for those who cant get away. http://www.comedreamwithme.com.