Comfort Control
Sunday, July 23, 2017

Enjoy a Low-Stress Stay-cation This Summer

Whether money matters are on your mind, or you wish to avoid the stress of an over-planned travel and activity schedule, why not spend those precious days off during the summer spending time with family and friends in your very own hometown?
 
  • Visit your community’s museums and historic attractions. Rediscover your community by seeing what the tourists see.
  • Enjoy outdoor activities. How about an afternoon of hiking or a day at the water park?
  • Take in musical and theatrical performances. Check for college productions, community theaters or concerts in your area.
  • Visit amusement parks and family fun centers.
  • Cook special recipes. Get the whole family involved.
  • Get creative with crafts. Let your kids explore their own creativity.
  • Visit the spa. Splurge on a facial, pedicure, manicure and massage.

Supermarket Trickery

You’ve got your grocery list, and you’re making your way through the aisles. But what about the unbelievable specials that you’re ready to snap up and throw in your shopping cart? Not so fast.
 
When supermarkets are tempting you away from your planned purchases, they’re not likely trying to save you money – but instead are trying to get you to spend more. Will you even use the product you want to buy only because it's considered a good deal?

How to Get a Raise

There is a very specific technique to follow when requesting a raise.
 
  • Is it really the perfect time? “Timing is everything.” The best time to ask for some more hard-earned cash would be after your boss commends you on your work or after you’ve accomplished a big project.
  • Be prepared for backfires. You better know why you deserve a higher salary. It would be smart to go into these situations with highlight points.
  • Make sure that you know what it is you’re talking about. Where will this raise put you on the earnings scale in your office? If you stroll into your supervisor’s office demanding a raise that will put you above your superiors’, you might get laughed at…

Making A Balance Transfer

Plastic can come in handy, but it can also be pricey. If your card has a high APR, it may feel impossible to rid yourself of debt.

Those 0% balance-transfer offers are so enticing. You can move a balance from a credit card that charges interest, to a card that doesn’t for a certain amount of time. Should you?
 
  • Pros – You can save hundreds or even thousands of dollars with a balance transfer. If you carry balances on multiple cards, moving all your unpaid debt to one card eliminates making multiple payments each month.
  • Cons – If your credit score is low, it’s unlikely you’ll qualify for a top-notch card. Many cards charge a transfer fee of the balance being moved. If you’re late with a payment, the interest rate could jump even higher than your old APR.
  • Verdict – Assuming you pay off a large chunk of the balance before the teaser rate expires, that your new APR is lower than the APR on your current card and that your savings will offset the balance-transfer fee… it’s worth it.
 

Money-Saving Tips