save you money

How to Become Filthy Rich


Saving money is about a number of other things than just negotiating at the top of your voice. You must check out your attitude towards saving money. You may certainly be one of those people who doesn’t fit into the category of filthy rich. Apart from money, personal finance has something to do with your traits. Frugal ways have already been adopted by a number of millionaires, few of who’re celebrities. Understanding the ways in which your financial situation gets affected by your personal traits is your key to accumulating wealth.

Check Out a Few Important Traits:


You must prove to be a disciplined investor if you really wish to save money for meeting your end objectives. Personal finance has to be studied in details if you really wish to turn rich in the long run. Actually, it’s all about executing the life plans in a disciplined manner.


When it comes to saving money, you must have more patience. Exercising a bit of patience holds you from landing into debt and helps you save more. You’ll achieve the cornerstone of great finances once you have the much-needed patience of identifying a great deal.

Risk-Taking Ability

You’ll need to take certain risks if you really wish to acquire wealth. However, you shouldn’t take uncalculated risks. You must consider all the options that you may fall back on and take risks after doing your homework.
The risk element is there to be dealt with by those that participate in the stock market. But if you invest your savings in a wise manner, you’re bound to catch up with great returns in the long run. If you’re among those that fear the overall risk, you may end up saving money in accounts that are bound to be affected by inflation.


All of our expectations aren’t matched by our income and our economy. Our financial plans are often disrupted by certain unexpected developments. You must prepare yourself to deal with fresh circumstances. A lot of creativity is needed to ensure financial stability instead of procuring things in haste.

Result-Oriented Action

It’s truly important for you to set a goal and work towards it. It’s truly difficult for you to reach your destination when you aren’t aware of where you’re heading to. For those of you that have financial goals, you may achieve an immense personal finance boost. It will even help you stay motivated and achieve all the goals that you’ve set on your own. It won’t be possible for you to reach your financial destinations very easily if you lack goals and lack a vivid roadmap.

Combining Smart work with hard work

A lot of hard work gets in stake when you’re attempting to steer clear of debt and generate wealth. Some of you may simply start believing that by acquiring a lottery, you might get rid of some financial problems. However, the right path to accumulating wealth is through working hard and acquiring advanced skill sets.

Your knowledge is likely to get reflected in your growth and success. You may not possess some of the traits that the others do, but you must adapt to changes. Once you nurture a few inherent qualities, you’ll soon find out ways to identify your areas of opportunity and acquire all necessary skills that aren’t present in you. Most of the skill sets that you acquire will assist you in managing your finances more efficiently and also acquire more wealth.

Is it worth applying for a 0% Credit Card?

Is it worth applying for a 0% Credit Card?

A 0% credit card

Essentially means that you are not charged any interest on your purchases for a defined period of time. How long that time period is depends on the credit card company and the deal on offer. Whether getting a 0% credit card is worthwhile or not depends on your unique situation, what you want it for and how well organised you are when it comes to handling money and debt. Done correctly, 0% credit cards can actually save you money. However, if they are used incorrectly, you can land yourself in debt for a number of years.

Have a Reason to Apply for One

Getting a zero per cent card is worthwhile as long as you use it for the right reason. By this I mean that if you have fallen on hard times, getting any kind of credit card is not the right thing to do to help you to make ends meet at the end of the month. If anything, this can lead you into a spiral of debt that can be difficult to get out of. If however, you are in a reasonable financial position and you would save money by making a specific purchase with a credit card rather than paying in monthly instalments, this can save you money in the long run. For example, car insurance payments can often cost more long term if they are paid on a month by month basis. Significant savings can often be made if you pay for the whole year up front. By using a zero per cent credit card to pay a year worth of car insurance, assuming you keep up the payments, you can make significant savings.

Keeping Track

Keeping track of things is of the utmost importance if you choose a zero per cent card. Ensure that at the very least, you make the minimum monthly payment required on time. If you miss even one month, you can be charged a steep fee and in some cases, can even loose your zero per cent deal. This means from that point on, the credit card company can charge you interest. If this happens, obviously you will lose any savings you made by choosing to get this type of card. It is of the utmost importance that you keep a note of your end date. For example, if your zero per cent interest deal ends in 18 months, make a point of setting a reminder so that it is impossible to forget. For example, you can set an alarm on your phone or computer a few months before the end date. When your end date is approaching, make a point of either paying off the balance completely, or transferring the balance to another 0% card.

The Best Card

Assuming you have a good credit rating and are likely to be accepted for a credit card, the best deal you can get with a zero per cent card is the longest deal you can get. Look for a card that has the longest possible introductory deal at 0%. In most cases, the maximum time period is about 18 months. This way you will get the maximum benefit from your card. Is it worth applying for a 0% Credit Card? Assuming you have met all of the criteria laid out here, yes it is.

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