Category Archives: Personal Finance

Top Tips on Credit Card Usage while Traveling

Vacations and holidays are the perfect time for traveling, shopping and spending money on pleasant things. That is why it is good to have a credit card, which allows you to spend some money up to a certain limit in order to make your dreams come true.

If you still do not have a credit card at all, you may be interested in checking effectify.com to get one. If you do, it is a good idea to check your balance from time to time, and keep your credit card safe. Let us reveal 7 tips on how to use your credit card while you are on holidays.

wallet

Inform card issuers that you are going to travel

There is always a chance that your credit may not be accepted, and the last thing you want is to experience it while you are traveling so let your card issuer know about your summer plans. What is more, ask to set a certain daily limit for you so as not to spend too much.

Look for perks

A lot of credit cards have a system of perks and rewards, so that check them before you set off on a trip, as you can get discounts on car renting, tickets free medical insurance etc.

Do not put all eggs into one basket

This saying is a good reminder not to hold all your credit cards in one place: if some are lost or stolen, you can always use other cards in your possession.
juggling cards

Choose one due date for all your cards

A lot of cardholders call their providers and ask them to put a due date on the same day for all their credit cards. It saves their time and prevents stressful situations.

Limit ATM fees

If you use ATMs, which are not related to your card issuer, you may be asked to pay certain fees, which sometimes are quite substantial. That is why it is much better to search for the “native” ATM before setting off on a journey.

Stay Alert

It is much better to travel with a plenty of credit cards than with a plenty of cash. If you lose your credit card or somebody steals it, you can save your money. If your cash is lost, it is lost forever.

Do not forget your smartphone

There are a lot of ways to check the balance on your credit cards, but the safest way is to check it with the help of your smartphone rather than with the computer in public places.

We hope these tips will be of help to you. Have a safe journey!

Get a $150 Referral Bonus When You Become an Uber Driver

If you’re considering becoming an Uber driver, NOW is the time!

The referral bonus for new Uber drivers has traditionally be lower, at $50 in most cities, but Uber has increased the new driver referral bonus to $150 in many cities! The bonuses vary by city, so it may be more or less in certain cities. Become an Uber Driver

It’s very easy to get started, and there are only a few steps you need to take to get paid your bonus:

  • Sign up here
  • Upload all required documents to their partner dashboard
  • Get vehicle inspected
  • Complete 20 trips (this number varies by city, but should take about 3 hours of Uber driving)

When I signed up, I got paid a $50 Uber referral driver bonus after just the first Saturday night of driving for Uber. It couldn’t be easier to earn the bonus, so sign up now!

The whole process is pretty quick, and if you have any questions about the approval process, leave them below. I’m happy to answer them for you!

So what are you waiting for? Sign up to become an Uber driver here and get your $150 bonus now!

Uber Sign Up Bonus

Top Tips for Reducing Your Energy Costs

Energy costs are something that we all have to put up with, whether at home or at business premises. They can end up taking a major toll on your finances. Of course, energy is something we all need, in order to function on a daily basis. This does not mean that you should be complacent about your energy costs. There are ways of reducing these costs, without taking too much effort or spending a lot of money.

We are going to introduce you to some of those money saving techniques in this article. Hopefully, we can help you spend less money on the energy you use.

Make sure to open the vents on your air conditioning

You may have been told that you can use less energy by closing some of the vents on your air conditioning system. This advice is incorrect. If you do this, the system does not function as efficiently as it should and you actually end up using more energy. Once you have opened the vents you should find that your home is cooled more effectively and that your energy costs reduce.

Consider using fans instead of air conditioning

If the temperature in your home is not too high, it may be possible to cool the environment simply by using fans to circulate the air. Fans are a lot less energy intensive so you can save money by using them instead of your air conditioning system.

Use a cool wash for your clothes

More often than not, a cool wash is an effective way of cleaning your clothes. You simply do not have to use heat and doing so only increases your energy costs unnecessarily.

Stop using heated drying for your dishes

If you use a rinsing agent in your dishwasher you do not need to employ the heated drying system as well. This just uses up energy when it’s not necessary to do so. Of course, you could always stop using a dishwasher altogether, and use your hands instead. This would enable you to make even bigger energy savings.

Do not leave electronic items on stand by

If an electronic item can safely be turned off when not in use, it should be. This means switching it off at the socket. Even if an item is switched off, it can still use power if it’s not turned off at the socket. All of this wasted power usage adds up over time.

Think about changing your provider

It may be worth talking to an expert who can carry out an electricity comparison for you. They can help you see the savings you could make and can even help you with the transfer process.

All of the tips we have given you can help if you want to reduce the amount you spend on energy. You can then invest the cash you save in other areas of your life where you do not spend enough.