Maxi-Miles-Energy-Products

Maximizes Fuel Economy & Vehicle Life

Maxi-Miles, Anti-Rust, Anti-Rot & Anti-Wear Service

 SEAL+RENEW RUST & ROT CONTROL REDUCES RUST, ROT AND WEAR

CONTROL RUST, ROT AND WEAR -- SAVE MONEY ON FUEL AND REPAIRS

Savings-Freebies-And-More---Illinois Battery Specialists
4120 W. Belmont Avenue
Chicago, IL 60641
United States

info@savings-freebies-and-more.com

  • HomeClick to open the Home menu
    • 2018 Chicago Auto Show
    • 2017 Chicago Auto Show
  • Health HelpClick to open the Health Help menu
    • How Weather Changes Affect Your Health
    • Coronavirus and Respiratory Help
  • ContestsClick to open the Contests menu
    • Contest Prizes and Sweepstakes Winners Slide Show
    • Savings-Freebies-And-More Sweepstakes
  • SavingsClick to open the Savings menu
    • Car Care
    • Car Keepers 300,000 Mile Challenge
    • Fuel Economy
    • Energy Savers Slide Show
    • Easy Energy Savings
    • Energy Savers Club
    • Save Thousand$ On Food
  • FreebiesClick to open the Freebies menu
    • FREE! Colorful Posters
    • FREE! Chicago Auto Show Deals
    • FREE! Car Dealer Cook Outs
    • Free/Low Cost Activities & Fun
  • & MoreClick to open the & More menu
    • Unclaimed Property & Money Websites
    • Assistance Programs
    • Illinois Lifelines
    • Small Business Owner Lifelines
    • Get Food
    • Food Pantries
    • Food Pantries - Chicago (City)
    • Grants & Rebates
  • Best Deals
  • Local NewsClick to open the Local News menu
    • Cook County
    • Hickory Hills
  • Real Meal DealsClick to open the Real Meal Deals menu
    • Heavenly Hot Dog Cart
    • Famous Malahini Terrace Coupons and Slide Show
    • Food and Fuel
    • Harvest Pancake House & Grill
  • YES! SOUP FOR YOUClick to open the YES! SOUP FOR YOU menu
    • Healthy Soup Ideas & Recipes
  • Black Knight & Squire G ShowClick to open the Black Knight & Squire G Show menu
    • Black Knight & Squire G Comedy and Jokes
    • Black Knight & Squire G Show - 12-08-2018
    • Black Knight & Squire G Christmas Parodies
    • BKSG 2020 Chicago Auto Show, Show Links
  • World's GreatestClick to open the World's Greatest menu
    • Music Videos 3
    • Black Knight and Squire G Show
    • BKSG Show Words Of Wisdom
  • Chicago Auto ShowClick to open the Chicago Auto Show menu
    • 2019 Chicago Auto Show Slide Show
    • 2019 Chicago Auto Show Walk Through Slide Show
    • 2018 Chicago Auto Show Videos
    • Famous Car Movies and TV Shows
    • 2017 Chicago Auto Show Slide Show
    • Chicago Auto Show Freebies, Sweepstakes and Deals
    • Chicago Auto Show Freebies Sweepstakes and Deals Slide Show 2
    • Chicago Auto Show-Lower Level Test Drive Slide Show
    • 2020 Chicago Auto Show Slide Show
  • AutoClick to open the Auto menu
    • Hybrid and Plug-In Vehicle Service
    • Tire Repair-Top Quality New & Used Tires
    • Plug-In Hybrids Are For Everyone
    • Plug-In Hybrid Slide Show
    • Plug-In Hybrid Solutions
    • Electric Vehicles
  • Car Reviews
  • Bugle Newspapers
  • Featured AdvertisersClick to open the Featured Advertisers menu
    • Illinois Battery Specialists
    • A-Len Automotive
    • Malahini Terrace Chinese Restaurant
    • Margie's Beef & Gyros
    • Margie's Beef & Gyros Slideshow
  • Money HelpClick to open the Money Help menu
    • Manage Your Credit & Debt
    • FAQ's-Frequently Asked Money Questions
    • Re-Use It
    • Real Estate
  • Products
  • Scam AlertsClick to open the Scam Alerts menu
    • Credit Card Safety Tips
    • Scam Educational Videos
    • Scam Alert Slide Show
    • Medical Device and Services Scams
  • About UsClick to open the About Us menu
    • Advertise With Us
    • Ad Notebook & Pocket Office
    • Duraprint Business Products
    • Advertising Cut Sheet Forms
    • Newspaper Advertising
    • Signs
    • Flex Sign System
    • Contact Us
    • Mobile Advertising Concepts

Manage Your Credit & Debt

 

Credit can be a valuable asset if you learn how to use it

CREDIT CARDS AND UNSECURED DEBT

CLICK HERE TO LISTEN TO AUDIO AND HEAR ABOUT HOW TO PAY DOWN YOUR DEBT

 

  • Avoid Balance Transfers & Consolidation Schemes
    • They usually charge an up front fee of 3% to 5% which often is the equivalent of 7% or more interest during the so called "0%" Introductory Period
    • When the 0% runs out the rate often goes to 20% or more
    • Large balance transfer transactions look bad on you credit report and lower your credit score and a fee of 5% instantly adds $500 in debt on a $10,000 transfer
    • It could cause you problems in the event that you should have to file for bankruptcy soon after the balance transfer is made
    • Making too many balance transfers will reduce your chances of getting 0% credit cards for purchases with offers that give large cash back bonuses

Here Is A Better Idea

  • Take Advantage Of 0% Credit Card Offers For Purchases, Especially If There Is A Cash Bonus Of $100 to $500 or more. Using this approach can save up to $1000 per $10,000  if used for purchases instead of a balance transfer. Follow this strategy:
    • Make all of your everyday purchases with the 0% credit card including gasoline, groceries, phone bills, electric bills, medical bills etc., as long as the merchant dosen't charge a transaction fee
    • Use The cash you save to pay down your other credit cards that have interest charges
    • It looks better if you pay down other accounts on a gradual basis and pay much more than the minimum each month. You will also become more familar with your debt and credit
    • It looks better when you have a 0% purchase account which show small purchases on a regular basis and a balance that increases gradually as opposed to a large balance tranfer
    • Concentrate on reducing your spending and expenses as much as possible
    • You will earn cash rewards on purchases that you can apply to your balance due
    • On some offers you can earn a cash bonus of $100 to $500 if a target amount of purchases is attained (usually within a 90 day period)
    • You will be able to maintain more and larger lines of credit
    • Do not hold onto to much cash or bank balances; use it to pay down your credit card balances; use your available credit lines as your "virtual cash reserve" and apply for additional 0% purchase credit card accounts (when appropriate and practical) to increase your reserve
  • Maximize Your Availability Of Unsecured and Credit Card Debt (if rates are 0% or very low)
  • Increase Your Credit Card Lines Of Credit
  • Keep Your Balances On Credit Cards At or Below 25% On Each Card or Account
  • Don't Make Automatic Double or Extra Payments On a Mortgage, Loan or Credit Card
  • Be Actively Involved In Your Payments and Adjust Those Payments Based On Your Situation

 

MAINTAIN A HANDS ON APPROACH TO YOUR CREDIT AND DEBT

  • Credit is not necessarily debt.
  • Too Much Debt  at high interest rates is bad.
  • Increase Your Credit. Decrease Your Debt (as a percentage of your credit)
  • Actively manage your credit and debt
  • Be flexible with regard to payments and credit lines
  • Maintain a filing system. Keep handwritten journals and ledgers
  • Setting up a system of "automatic" minimum payments is OK, BUT, Make extra payments manually as funds become available to you
  • Actively managing your credit and debt are essential if you want to improve your chances of financial success.

INSTALLMENT LOANS

STUDENT LOANS

HOME MORTGAGE

HOME EQUITY LOANS

ABOUT BANKRUPTCY

 

  • Save Money On Gas and Auto Repairs
    Play Save Money On Gas and Auto RepairsSave Money On Gas and Auto RepairsSave Money On Gas and Auto Repairs







Copyright 2012 Savings-Freebies-And-More. All rights reserved.

Web Hosting by Yahoo!

Savings-Freebies-And-More---Illinois Battery Specialists
4120 W. Belmont Avenue
Chicago, IL 60641
United States

info@savings-freebies-and-more.com