If you have a credit card you're likely to have debt, but you could save a small fortune on repayments by transferring the outstanding balance on one credit card to another credit card. Credit card balance transfers are an easy option for managing credit. Some people switch their balances from card to card to take advantage of each new offer. This is known as card jumping or rate surfing.

Credit card balance transfer offers can also be used to reduce the interest paid on bank loans or other loans. If the credit limit is high enough, you may even be able to pay off the loans completely. Some credit cards provide credit card cheques for this purpose, but you'll need to be careful. Some credit card cheques have higher interest rates than the credit card itself, so read the fine print very carefully. Some credit cards also allow you to transfer the balance from store cards. This can be useful after an intensive shopping spree!

It seems as if every family today is a two income family. It can be difficult to live on one income today. Housing cost in many metro areas are simply outrageous. The cost of living in many places is sky high. Can you be a one income family.

Yes. One third of all households are led by single parents. Some statistics seem to say that nearly one-half of all women stay at home. That means that a lot of us are making it on one income. So it definitely is possible.

Many couples begin to realize that having both spouses work doesn't really add up to that much extra. Jonni McCoy's book, Miserly Moms, says that it can cost $9 to %15 an hour to pay for work related expenses. So if you aren't making more than that, it could cost the second spouse to work.

Whether you are a new entrepreneur or a more experienced business owner, taking control of your finances can feel like a part-time job. Some simple tips can help you streamline your time, organize your finances and reduce the stress of business money matters.

1. Keep Your Bills in One Place

When the mail comes, make sure it goes in one place. Misplaced bills can be the cause of unwanted late fees and can damage your credit rating. Whether it's a drawer, a box, or a file, be consistent. Size is also important. If you get a lot of mail, use an area that won't get filled up too quickly.

When it comes to learning fiscal knowledge, some lessons result in better memories than others. One of the most satisfying lessons I have ever learned is that there are rules simply made to be broken.

Rules that produce benefits for everyone are not what I am talking about. These “good” rules include not cutting in line at the grocery store, at a 4-way stop the driver on the right has the right-of-way, and paying your taxes on time keeps the government operating. These are all good rules and should never be broken.

You, as a consumer, are must discern what type of rules are critical to be break. These rules are created by commercial businesses for their own benefit. The enterprise isn’t trying to help you with their regulations; they are looking out for themselves. This kind of thinking survives because we, the consumer, are intimidated when told “That’s against our rules. You can not do that.”