Basic Check Precautions To Keep In Mind

For safety purposes, people avoid carrying that much cash especially if they are having transactions in places that they aren’t familiar with. That’s why credit and debit cards exist or simply the “plastics”. However, they are cases wherein you really need to hand over something as good as cash and this time around, checks are the only solution to it.

Opening up a checking account in your bank of choice, whether it’s for personal or business purposes, is most likely more expensive compared to the usual savings account. The reason behind is that checks can be of any amount depending on what you’re going to write on it and can sometimes be used for fraudulent transactions.

Most of the time, the bank personnel would explain the do’s and don’ts in having one upon giving your first booklet. Part of what so called ‘orientation’ would be the possible lawsuits you would face whenever you would issue a check that has no money in it.

They would also be discussing about the bank charges whenever a certain check would be deposited under other people’s account and you failed to place funds in it before the indicated date. These bank charges aren’t cheap and you would really regret the fact of not taking the dates seriously.

Also avoid placing your signature on your blank checks or you will curse yourself for the rest of your life. It’s a basic precaution that every check holder should bear in mind. If you happen to issue some checks in the future, make sure to print the amount yourself rather than letting somebody else to do it for you.

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Tips on Being a Responsible Shopper This Christmas

Christmas is less than three months away and by now you should have started with your Christmas shopping. If you still have to buy a few more gift items or if you haven’t even started with your Christmas shopping, there is still plenty of time for you to do so. You just have to keep in mind a few important things if you want to avoid overspending or buying items which you don’t actually need.

Here are some practical tips on how you can become a responsible shopper this holiday season:

Create a budget

 It is important that you determine how much money you can allot for shopping. The Christmas bonus that you will be receiving from work may give you the urge to spend more than what is necessary which is why you have to be very conscious of how you spend every cent.  List the items that you need to buy and bring that list with you when you shop. Refrain from buying ‘small’ and seemingly ‘inexpensive’ items, such as a tube of lipstick which you don’t actually need, because these ‘small’ purchases can take up a huge part of your shopping budget without you even realizing it.

Christmas Shopping

Pay in cash

When you use your credit card, it is easy for you to just purchase items without thinking about whether or not you actually need them. But if you use cash, you can immediately see how much you have spent.

Be creative and resourceful

Although it may be easy to get swayed by the latest trends, you must be able to determine if they fit your budget and more importantly, if you actually need them. If, for instance, you need to buy an outfit for a Christmas party that you need to attend, you can still look stylish even if you aren’t wearing designer clothes. Know which clothing stores offer stylish but affordable clothes. You must also know how to mix and match different clothing items so that you can create a whole new look every time even if you have only bought a handful of new clothes and accessories. You can still express your own fashion sense even if you don’t buy the most expensive clothing items.

Compare prices. You may be pressed for time but still, you need to think about your every purchase. You cannot just grab the first thing that you see from the store. There is a risk that you will end up with an overpriced item if you don’t pay attention to what you’re buying. If you don’t have the time to visit multiple retail shops, you can look into various online stores first. Most major retailers now have their own online stores and they basically offer the same items (and the same price). You can look into their online stores first so that you have an idea of how much their products cost.

Know where to get the best deals

Competition can be stiff for retailers especially during the holiday season which is why they come up with different schemes on how to attract the attention of shoppers. Take advantage of the different discounts and other special offers that your favorite retailer offers. If you are more of an online shopper, sign up for newsletters from your favorite online stores so that you will know when they will offer huge discounts on their more popular products.

Being a wise shopper is important if you want your Christmas shopping experience to be a fun and enjoyable one.  And you don’t have to spend more than what you can actually afford on gifts just to be able to spread cheer during this holiday season.

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Finance 101: How To Help Kids Make Allowance Money

Teaching your children be independent at a very young age is very crucial in their early years. Of course, children have their parents to support all their needs. However, teaching them to earn their very own allowance money will instill with them not only to be responsible but to be resourceful and independent as well. With that in mind, here are some amazing ways on how children can make allowance money:

Help prepare other people’s dinner

These days, more and more people are opting to hire a dinner helper. They will be looking for a junior or a high school student who will help them in preparing for dinner. They will get paid for chopping the veggies, washing the dishes, cooking the pasta, defrost meat and a whole lot more.

Sit for other people’s pet

In addition from dog walking, children also are paid to babysit the pets of other people. This will be useful for people who will be going for a vacation.

Children Playing

Sell unused and old stuffs online

In the event that the child has various DVDs, CDs or other stuffs he is no longer using, then he can turn this into cash by selling these things online! There are lots of websites that will allow you to market and sell these old things.

Give social media lessons

These days, children are very proficient with technology and various social media. They can capitalize on such skills by offering to teach older people how to maneuver through various social media sites as well as create their own profiles.

Take care of other people’s garden

Lawn mowing is one of the most popular ways for a child to earn money. These days, they can also add garden weeding to their job description.

With these simple jobs, any child can make his very own allowance money!

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