KPLC 7 News, Lake Charles, Louisiana10 ways to prepare for a personal ...
Don't invest in stocks or other higher-risk investments until you have several months' worth of cash in liquid accounts. How many months' worth of cash do you need? It depends on your financial obligations and your risk tolerance. If you have a major obligation, like a mortgage or a child's ongoing tuition payments, you might want to have more months' worth of expenses saved up than if you're single and renting an apartment. A three-month expense cushion is considered a bare minimum, but some folks like to keep six months or even up to two years' worth of expenses in liquid savings to guard against a long bout of unemployment. 2. Make a BudgetIf you don't know exactly how much money you have coming in and going out each month, you won't know how much money you need for your emergency fund . And if you aren't keeping a budget, you also have no idea whether you're currently living below your means or overextending yourself. A budget is not a parent -- it can't and won't force you to change your behavior -- but it is a useful tool that can help you decide if you're happy with where your money is going and with where you stand financially. (Do you have enough savings to cover the costs of unforeseen crises? Learn how to plan ahead in Build Yourself An Emergency Fund 3. Prepare to Minimize Your Monthly Bills
You might not have to do it now, but be ready to start cutting out anything that is not a necessity. If you can quickly get your recurring monthly expenses as low as they can be, you'll have less difficulty paying your bills when money is tight. Start by looking at your budget and see where you might currently be wasting money. For example, are you paying a monthly fee for your checking account? Explore how to switch to a bank that offers free checking. Are you paying $40 a month for a landline you never use? Learn how you might cancel it, or switch to a lower rate emergency-only plan if you needed to. You might find ways you can start cutting your costs now just to save money. For example, are you in the habit of letting the heater or air conditioner run when you're not home, or leaving lights on in rooms you aren't using? You may be able to trim your utility bills.
ECU Low Rate Visa Credit Card | Personal Loan Finder
The Benefits of the ECU Low Rate Visa Credit Card
ECU includes no interest days, low interest rates on cash advances and purchases and a low rate for the yearly fee eligible to be waived for the first year if the account holder has mortgaged their home with ECU. Card holders also qualify for Verified by Visa. Verified by Visa is an additional security measure for those who use their credit card online.
Cash Advances and balance transfers do not qualify for no interest days.
ECU Low Rate Visa is supported by Hunter United. Hunter United is a credit card union and has become an   institution offering full financial services, realizing assets in excess of 229 million dollars.
The Application, The ApprovalThe ECU Low Rate Visa Card application can be submitted online, over the telephone or in person during regular, daily banking hours. All information on the application is required to be included. Applicants 18 years of age or older are eligible to apply for an ECU credit card. The applicant must also be a permanent resident of Australia. The applicant must also be employed permanently and have the ability to show documented proof.
The application is reviewed for compliance with credit standards and completeness and either be approved or denied within the specified time frame. An incomplete application will be returned to the applicant for completion, and will delay the approval process.
Upon approval, the new credit card holder will officially establish the account by agreeing to the Terms. The applicant will be bound by the Terms for the duration of the life of the credit card account.
If at any time during the billing cycle the card holder wishes to pay the balance in full, no penalty will be assessed.
No Interest DaysECU Low Rate Visa Credit Card offers the most economical feature a card issuer can ever offer, and that feature is no interest days. That is, in the event the account holder pays the entire balance before the last day of the billing cycle, the account will not be charged interest. In the event there is a balance due at the end of the billing period and it is not paid in full at the end of the billing cycle, then interest will be charged for an item purchased for the number of days between the date of purchase and the last day of the billing cycle.
If May 1 is the first day of the billing cycle, and May 31 is the last day, and the number of no interest days is 55, June 24 is the day payment is due on the balance. If a purchase was made on May 20 the credit card is charged interest for 36 days in the event the balance is not paid by the last day of the billing period.
Balance Transfer Credit Cards - Balance Transfer Cards ...
Compare 0% interest balance transfer credit cards, find the best one for your needs and apply online at DealsForCreditCards.com
Best 0% Balance Transfer Credit Cards | Get A Balance ...
Credit cards with a 0% balance transfer feature are designed to allow people to transfer over their high balances and enjoy a period of low or 0% interest. ...
0% Balance Transfer Credit Cards – No Annual Fee Zero Balance ...
0 balance transfer list updated regularly. Be sure to check out the NO FEE balance transfer credit card from Discover (this is the only no fee balance transfer
The Best 0% Balance Transfer Credit Cards | Money Blue Book
Updated List Of Preferred 0% Balance Transfer Card Offers Below If you are searching for how to make money or pay down high interest debt with the top
0% Balance Transfer Fee Cards
0% Balance Transfer Fee Cards - Safe, Simple, Comprehensive directory of credit cards for you to compare balance transfer cards in an easy, surfer friendly format.