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Your financial situation includes a combination of your income, expenses, and debt as well as your goals and dreams. To achieve financial wellness, you should have a plan which will help reduce stress and allow you to be more productive. To set yourself up for success, consider following these five steps to improve your financial well-being.
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- Track your spending
To become financially healthy, begin with a budget. Creating a household budget helps you track spending, and it then becomes clearer where your money is going and where you may need to adjust your spending to achieve your financial goals.
- Plan ahead
Being financially fit also includes incorporating your financial goals into your budget. Your goals may include paying off high-interest debt or saving for a down payment for a home purchase. Adding an emergency fund to your savings goals will help you cover unplanned expenses, such as car and home repairs. This fund can also help you maintain your budget and avoid future debt.
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- Know your credit history
Another step to take toward a healthy financial lifestyle is to understand your credit history, including knowing your credit score. A credit score predicts how likely you are to pay back a loan on time.
- Build savings habits
Another key component of financial fitness is establishing a realistic savings plan for each of your goals. To make it easier, set up automatic transfers to subsaver accounts — separate accounts within your main savings account — established for each goal. And don’t forget to start and add to your retirement account.
- Educate yourself
Take it upon yourself to learn about financial topics. To learn more about investing, credit, paying off debt, and savings strategies, look for educational opportunities offered by your financial institution and online reputable sources.
It is always a good idea to understand where you are financially so you can keep things on track. Use these steps as a guide to get started on your financial journey and achieve your goals.
With the holidays behind us, mounting credit card debt can seem overwhelming. Here are some steps to take that can help you pay off your debt quickly.
First, create and/or carefully review your budget. By understanding where your money is going each month, you can make the most of each dollar that comes and goes. This will help you focus on your end goal of paying off your debt.
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Next, look at your bills to identify where you could reduce costs. This could include eliminating monthly subscriptions or a gym membership you don’t use.
You can also look for ways to increase your income. Taking on a side job — maybe one with flexible hours that can be done online — can help you put more money toward your debt.
Once you have your budget in order, figure out the debt repayment strategy that will work best for you.
Click Here are a few to consider:
Snowball method: Focus on paying off your smallest debt first (while paying the minimum amounts on the others). Once the first debt is paid off, roll the amount you had been paying into payments on the next largest, and so on
Avalanche method: Pay off your debt with the highest interest rate first (while paying the minimums on the others).
Then pay more on the loan with the next highest rate, and so on. This method could save you time and money over the course of your debt repayment plan.
Debt consolidation: Combining multiple debts into a single loan (ideally at a low-interest rate), can help make your monthly payments more manageable. It can also reduce your repayment period.
Debt management plan: If you’re facing a lot of credit card debt and are not making much progress in paying it off, consider contacting a credit counseling agency. Many are nonprofits and can help you set up a debt management plan to reduce your interest rates and jumpstart your repayment plan.
Once you establish and review your budget for ways to reduce costs, establishing a debt repayment strategy can help you make progress toward paying off your debt while saving you time and money.
Time is money, so the popular saying goes. In today's world, digital payments have revolutionized the way we live and spend. Credit cards and mobile wallets such as Paytm have become a necessity for seamless transactions. While mobile wallets facilitate payments with the help of a smartphone and are used mostly for small-ticket purchases, credit cards are used extensively for both online & offline purchases & mostly for big-ticket purchases. Both the digital payment methods are gaining more & more popularity, especially during unprecedented times, as they are contactless, fast, simple, and secure.
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So how would it be if we marry the mobile wallet with a credit card?
If you are searching for an answer, look no further -- SBI Card, a prepare-play dit card issuer, has recently joined hands with Paytm to launch two new credit cards: SBI Card and Paytm SBI Card SELECT. The collaboration is a win-win for tech-savvy millennials who are looking for a smart digital payment solution that can offer great benefits on every spend.
These cards offer a seamless user experience where Cardholders can be in control of their card with just a tap on their Paytm App or SBI Card Mobile App. Cardholders can easily block the card in case of loss or theft, re-issue a card, manage their account, all with just a tap. The card also comes with a smart spend analyzer which allows one to assess their spending & manage their finances smartly.
State Bank of India (SBI) provides a wide range of Credit Card options, including Lifestyle Credit Cards, Shopping Credit Cards, Rewards Credit Cards, Travel Credit Cards, Lifetime Free Credit Cards, and Fuel Credit Cards. SBI credit cards come with various offers, discounts, and reward points.
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SBI Credit Card Features
SBI Credit Cards are among the most preferred Credit Card options in the country since their entry into the market in the year 1998. Today they have become the second-largest Best Credit Card Provider in India, with millions of satisfied customers who are availing a wide range of SBI Debit Card & credit card benefits.
Some features and benefits that set SBI Credit Cards apart from the rest are as follows:
- Email and SMS notification: With every transaction, you have the advantage of real-time transaction details and Credit Card limit alerts that are sent to you via emails and SMS.
- Safe and Secure Cards: These cards use pin and chip technology, which is accepted worldwide and can be used in millions of outlets across the globe.
- Increase Credit Limit: You have the option of increasing your Credit Card limit when you deem it necessary.
- Online Account Access: You can access your Credit Card account from anywhere in the world to check transactions and limit on your card.
- Control your spending: You can add daily, weekly, and monthly limits to limit your spending on the card.
- Insurance: You can choose insurance options for card theft in addition to accessing health, mobile phone, automobile, and travel insurance on your SBI Credit Card for emergencies.
Have you applied for a Kotak Mahindra credit card recently and are not sure about how to check the status of your application? here's a step-by-step guide along with all the information that you need to check the status of your Kotak credit card.
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how to check the Kotak credit card application online?
checking the status of your card is an easy step. you can check it offline or online. here's a guide that will help you check the card status.
go to the official website of Kotak Mahindra bank: kotak.com
click on explore products > cards > credit card services.
by clicking on ‘credit card services, you will be redirected to another page where you have to scroll down to find ‘application status’ which will ask you to choose a product.
after choosing ‘credit card’, you will have to provide information like application number or application form number.
Credit cards give away endless advantages to responsible credit card users. With the proper usage of credit cards, credit holder can profit many bonuses. Responsible credit card users can gain one-time bonuses, rewards, cashback, safety, etc.
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Can build Credit History:
Credit scores help you take the advantage of taking loans, the longer you use the credit card, the more you will build your credit score. The credit score depends upon the credit card history. The credit score can be increased or can even score more by the usage of credit cards in a good manner.
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Signing up bonuses:
Many cards give away many welcoming bonuses, basically, these can be fetched by the spending of the money within a certain time given by the card lender. To gain on this advantage, check the fine print and go ahead to profit you are signing up bonus.
Cash Back Offers:
Many of the credit cards offer cashback on every purchase you do. Whenever the cardholder purchases through the cashback credit cards, the user will profit a small amount of money back. Overtime these rewards add up to sizable bonuses.
Reward Points:
Reward points credit cards help the cardholder profit rewards on every spending they do with the card. Many card lenders provide bonus points for the spending done at restaurants, groceries, gasoline, etc. When the user reaches to the threshold earnings, these reward points will be redeemed for travel. Gaining of reward points is endless depending upon your habits of spending’s. Reward programs are like Point Systems, frequent flyer cards, travel rewards, and rewards at restaurants, hotels, fuel, etc.
You’re not obligated to stick with any card through thick and thin. You’re probably better off if you don’t.
Loyalty to family and friends matters. Loyalty to your first credit card? Not so much.
About 39% of cardholders reported carrying only one credit card in a 2016 report from TSYS, a payment processing company.
But you’re not obligated to stick with any credit card through thick and thin. In fact, you’re probably better off if you don’t. Getting a second card that fits your spending habits can earn you more rewards or save you on interest.
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When to apply
There’s no perfect time to apply for a second credit card. As long as getting one will save you money and you're not about to apply for a mortgage, you’re probably in the clear.
But it might be an especially good time to apply if:
Your credit has improved. You'll now have access to better credit card options.
Your spending habits have changed. If your card offers bonus rewards only on restaurants, for example, and you no longer dine out often, it might be time for a change. You want more rewards or benefits. Two credit cards can get you more perks than one. You’re carrying high-interest debt. Moving your debt to a balance transfer card can save you money on interest.
Whether you already own a credit card or are thinking of applying for one, you should know how to use it responsibly. Credit cards can make financial planning easier, but they need to be used the right way!
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All types of credit cards can be broadly categorized as:
Secured
A secured credit card requires you to pay the lender some deposit money upfront or pledge an asset as collateral. A credit limit is then set on your card according to the collateral value. Card providers can seize this collateral if you default on payments. Because of the low risk to lenders, secured credit cards are relatively easy to get.
Unsecured
An unsecured credit card is not backed by any money or assets that you pledge as collateral. This is the most common type of credit card, but not always easy to get. Since the card issuer entails some risk in providing you with a card, they will conduct a thorough check of your credit history, financial strength, and earning potential first.
Credit card types may also be based on earning and spending patterns: Silver Credit Card Gold Credit Card Platinum Credit Card Titanium Credit Card Premium/Signature Credit Card
An individual cannot predict their emergency expenditure, no matter how hard they try. a sudden health crisis, the need for car repair, damaged electronic appliances - all these crises need an urgent financial arrangement.
for last-minute financial aid, consider getting a new credit card and tackle these unforeseen expenses. but while applying for a credit card is a piece of cake, it takes approximately ten business days after approval for the card to reach your doorstep.
in the case of emergency expenses, it may not be feasible for you to wait that long to get the money. luckily, instant credit cards come to your rescue.
these life-saving cards give you the card number instantly after the bank approves it. that way, you can use the card number to make your purchases even before you receive the physical copy of the card.
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If you urgently need money or want to be prepared in such a dire situation, here is a list of the 6 best instant approval credit cards.
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HDFC Bank instant approval credit card
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Bajaj Finserv RBL Bank super card
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Kotak 811 #Dream Different credit card
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Standard Chartered virtual credit card
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SimplySAVE SBI credit card
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Axis Bank Insta Easy credit card
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it is not uncommon for credit cardholders to be charged for going over their credit limits. and it generally only occurs with your consent. if you find yourself in such a situation, there are only two possible outcomes. either you incur a late fee or you end up hurting your credit score.
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opting out of over the limit charges
when a credit card is issued, you might be given an option to opt for over-the-limit transactions. if your bank provides this facility, you can opt in or out of this option anytime you want.
in case you have this option enabled, purchases exceeding your limit usually go through. the allowed overdraft amount and the levied fees are decided by your bank.
on the contrary, if you have opted out of this, any transaction that exceeds your limit would be automatically declined. this saves you from any unwarranted charges on the card.
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impact of going over your credit limit
apart from the applicable charges, surpassing your credit card limit can have two more consequences:
increased debt-to-limit ratio: the debt-to-limit ratio represents the consumer’s total credit card debt versus total credit card limits. in other words, it represents the amount of debt that is available for your usage. going over the card limit effectively translates to a ratio of more than 1 (or 100%), which can be bad for your credit report in the long run. implications on credit reports: it is rare for credit ratings to be impacted due to single over-the-limit instances.
but multiple instances like these are will have a detrimental effect on the ratings. future credit prospects: multiple lenders can access your report and review it with soft credit checks from time to time. with a low credit score, future prospects of credit increases or new credit card issuance can be impacted.
while credit card provides reliability and convenience, it’s important to address the potential risks associated with them. the additional charges weigh heavy on the users, and they often find themselves receding in a debt trap. through this article, we'll take you through some important factors that you should consider before you swipe your credit card.
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Things to be aware of before you swipe your credit card
budget planning
having a credit card can be overwhelming, especially when you start spending. most credit cards offer interest-free credit for a brief tenure which gives scope to unplanned spending as well. the pleasure of unconscious spending often makes you forget about its repaying plan. this eventually will add up to your financial burden. thus, it would be wise to budget your expenses before you go out and spend all that money.
offers & promotions
most credit card providers offer certain promotional schemes with cashback and reward points. such offers can be discounts at restaurants, movies, or other cashback programs.
cash withdrawal charges
most credit cards come with a cash withdrawal facility. while this is convenient, there is always the underlying fine-print associated with it, thus making it important for you to go through and fully understand charges before utilizing it.
credit card bill payment & credit score
a credit score is essentially a 3-digit number that measures the health of your debt and repayments. it is an indication of how responsibly you repay all your dues. if a cardholder fails to make the credit card bill payment on time, it can impact the CIBIL score negatively.
EMI payment option
every credit card has the option of repayment through EMI. when you have made a high value payment, this option might seem as one that is viable. having an option of EMI gives the flexibility of paying the total sum in smaller instalments. not only does it help with your budgeting, but it also lowers the interest rates.
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In the present economic situation, the prices of different goods and services are always increasing every day. Money has become quite hard to earn. Therefore, many people are looking for ways to save their money.
One of the main ways to save in a day to day life is shopping. People go crazy while shopping with no limits. Consider that you are stealing your own money when you shop for what is not needed. Never spend money before you have it.
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about credit cards.
Here are the different ways to save your money from shopping.
Make a Shopping List, set your Budget Bring the Cash limit Comparison Shop Buy only required stuff Do Not to Shop When You're Bored When in Doubt, Leave the Store Find Cheap Deals Online Don't Be Excited by Sales Shop Out of Season Save Your Receipts Buy Local products
FIRE (Financial Independence Retire Early) is a financial lifestyle movement with the motive of gaining financial independence to retire early. This can be achieved by extreme savings and investment. With the saving of 70% of the annual income FIRE proponents line to retire early and live off small withdrawals from the saved funds.
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Everyone wants to be wealthy. But it could be achieved by following some healthy financial steps for living a financial freedom life. The below mentioned are the lifesaving tips, which if you make a regular habit of your life.
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- Do a Budget Every Month
- Live Below your means
- Check your spendings
- Keep an Emergency Fund
- Save for Big Purchases
- Make an extra income source
- Save for retirement
Pradhan Mantri Jeevan Jyoti Bima Yojna (PMJJBY) is a government-operated life insurance scheme, the motive of this scheme is to uplift the poor and the lower section people of the society.
This scheme is available for every person between the age group from 18 to 50 years. This is one of the best plans for the people for their money investment. As this scheme was operated by the government of India it offers high security for the investor, it is a risk-free investment option for any individual who i looking to invest their money either for short-term or long-term savings.
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What are the Key Features of PMJJBY?
Tenure- 1-year tenure from the day of the policy enrollment and will be renewed every year till 55 years.
Enrollment Period - Enrollment starts from Every year of 1st June to the subsequent year till 31st June.
Policy Coverage - PMJJBY offers Rs 2,00,000/- coverage for the nominee (Terms Apply)
Tax Benefit - The coverage amount that comes from PMJJBY is tax-free. PMJJBY offers tax benefits under section 80C under IT Act.
Payment Mode - The only mode is through the saving bank account, the amount will be automatically debited from the respective bank account of the policyholder.
What is the Procedure to Claim the PMJJBY?
Procedure for the Beneficiary-
Download the PMJJBY Claim Form Fill out the form and submit it to the bank along with the canceled cheque and other detail to the bank. Once verified the beneficiary must collect the amount from the bank.
Procedure for the nominee to claim-
If the insured person had an unfortunate demise, the nominee must visit the bank and submit the death certificate.
The nominee must get the claim form of PMJJBY, fill, and submit it to the bank. Along with the claim form, the nominee must submit the beneficiary's death certificate, discharge receipt, canceled cheque, bank details of the policyholder, etc. Once verified, the nominee must collect the claimed amount from the bank. Benefits of PMJJBY:
Tax Benefit Death Benefit Risk-Free Investment Option Easy application Procedure.
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Why do we like it?
HSBC Visa Platinum Credit Card is an all-rounder. We recommend this card for a variety of reasons: an excellent sign-up bonus; 3X rewards on dining, hotel & telecom bills; 15% discount on dinner; fuel surcharge waiver;
If you like to dine out regularly and looking for saving on fuel surcharges, then HSBC Visa Platinum is the card for you. New card members earn a huge sign-up bonus.
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Fees
The HSBC Visa Platinum card has no annual fees. It comes with an annual interest rate of 39.6% on purchases and 39.6% on cash withdrawals.
Partner BenefitsBigBasket: Up to ₹450 instant discount. Flipkart: 10% instant discount on a wide range of appliances. MakeMyTrip: Up to ₹15,000 instant discounts every Sunday.
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HDFC Bank Doctor's Superia Credit Card is one of the best credit cards packed with huge benefits like air Miles, accelerated reward points for doctors. This doctor's special credit card of HDFC Bank with a low annual fee of Rs 1000/- can be waived off just by spending Rs 1 lakh in a year. Here is our verdict on the HDFC Bank Doctor's Credit Card, which helps you understand it is benefits and features clearly, so you could make all of it.
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Benefits and Features of HDFC Bank Doctor's Superia Credit Card:
Get 1000 bonus reward points as a welcome gift. Profit 1000 reward points as renewal benefit On every Rs 150/- spent earn 3 reward points Get 50% rewards on dining at the picked restaurants. Get insurance coverage up to Rs 20 lakhs (Terms Apply) The Doctor's Superia Credit Card offers the option of conversion of rewards to Airmiles (667 Rewards equal to 100 Airmiles)
Looking for money management tips, look no further you have arrived at the right place. Here are some great tips for you to manage your finances. The best way to manage your income is to develop a plan today, tomorrow and in the future to track your capital. When it comes to financial situations how do you feel! anxious? frustrated? Or you could be petrified and not sure what you would do if your next paycheck could not hit your bank account. Well every one of us faces the situation of the struggle of financial adjustments somewhere in our lives. Nearly 4 out of 10 people tussle to make up an emergency payment. We come across this stress caused by the pressure of the financial problem.
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Well, whatever the situation is! It is time to make the right move, so you could nowhere in your life face the worrying situation with money management. Whatever is your income it does not matter be it a basic thousand to lakhs of dollars per ear, if you fail to manage your income, you could be dumped with stress. To avoid such a situation one has to build up a healthy plan to manage their money. Instead of making your wealth happen to you, your wealth needs to happen to you.
Here are some tips listed below to manage money:Create Budget Understand your Expenses Understand your income Consolidate your Debt Cut-off unnecessary Expenses Create an Emergency Fund Save a minimum of 10 to 15% of income for Retirement Check and understand your Credit Report Use a personal finance app Accompany Money Management Resources
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We are sure you don’t like to spend your hard-earned money on credit card interests. We are also certain about this thing that everybody wants to save as much money as possible. Let’s find out how you can make the most of your credits card grace period.
Managing your bills is a daunting task, and when the credit card interest rates kick in, it just becomes more challenging to manage everything. To avoid getting into any credit card debt, you have the option of taking advantage of the grace period offered by your credit card provider.
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One of the most popular banks that offer other services, including the grace period, is ICICI Bank. ICICI Bank credit cards are one of the most preferred in the market for the services that it has to offer. Let’s understand the interest-free grace period applicable on credit cards.
SBI, India’s largest public bank among the sought-after. Customers availing SBI Credit Card have the access to the online services which were offered by SBI. To get the benefit you have t register to avail the net banking services of SBI.
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How to Register SBI Credit Card for Net Banking Services?SBI Credit Cardholder shaves to follow the below-mentioned steps to avail SBI net banking services.
- Visit SBI Website
- Click on "New User"
- Go for "Register Now" (This option is under the Login button)
- After This, you will be directed to a new webpage.
- On this page, you must provide your Credit Card Numbers, CVV number, and Date of Birth.
- Click on the "Proceed Button".
- You will get an OTP password on your mobile number or Email.
- Click on the link provided to your contact address and click proceed.
- After this, you will jump to another page, where you can select a User ID and Password for SBI Credit Card.
- Click Confirm Button
- Now Your Registration is completed and now you can access the SBI Credit Card Net Banking Services
State Bank of India (SBI) offers many credit cards, among those the SBI SimplyClick is one of the most popular cards in the market as this card has easy eligibility terms. It is the regular card with regular and extra features with multiple benefits on online shopping, just with a click, hence the name SimplyClick. This article represents the review of the SimplyCLICK credit card, and this review will help you decide whether to choose this card or not.
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Benefits of SBI SimplyCLICK Credit Card:
- Amazon welcoming voucher worth Rs 500/- with a validity of 12 months from the date of joining.
- Get 1 reward point on every Rs 100/- spending.
- Earn 5X reward points on all online shopping.
- Get 10 X reward points on online shopping with the partners like BookMyShow, Lenskart, Cleartrip, Amazon, Rentomojo, UrbanClap and Netmeds, etc.
- Get 1% fuel surcharge waiver on transaction of Rs 500/- to Rs 3,000/-
- Milestone Benefit from Cleartrip, that is the user can get e-voucher of Rs 2000/- each on reaching spending of Rs 1 lakh to 2 lakhs.
- Annual fee (Rs 499/-) will be waived off on spending 1 lakh in a year.
- Flexipay benefit, purchases above Rs 2,500/- can be converted into EMIs.
- Easy bill payments with rewards
- Add-on Card facility
- Option of Balance Transfer on EMIs
If you are a financially disciplined person then take these advantages by using credit cards.
Build positive and high credit score Earn while you spend in terms of rewards Take a "free" one month loan Protection against fraudulent usage
In this internet age, plastic money (both credit cards and debit cards) makes it such a convenient to shop over using cash, so it is no brainer to use cards over cash. But you may have a question which card to use and why? So I have provided my opinion in this post why one should use one or the other. If you are here to find out why use credit card or debit card, I assume you already know what and how they work.
Let me explain the advantages of using Credit Cards.
Build positive and high credit score
First what is a credit score? According to, a credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of an individual. So credit information companies like CIBIL provides each individual a numeric score within a range, this numeric score represents your credit score. These companies source credit usage and payment history of the individuals on credit cards, loans etc and apply an algorithm to determine the score.
Why is it important to build a high credit score? A higher score means higher chances of loan approvals in case if you plan a car or a home loan.
Earn while you spend
It is so much you are missing out on if you are not using credit cards in terms of cashback, instant discounts, and deals.
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