After two surprising, successive rate cuts in January and February 2015, RBI governor Raghuram Rajan decided not to reduce them further in his first policy announcement in the new financial year. Is he playing spoilsport for consumers of homes and cars?
So how does one protect themselves from misuse of their credit cards? Here are a few helpful suggestions.
Before taking the plunge and being a co-applicant, make sure that you are aware of the rights and responsibilities that come with it!
If you want to keep your CIBIL Score alive and kicking (healthy) make sure you steer clear from the above mentioned common credit score killers.
Here's how you can reward yourself for having a good CIBIL score.
Few right moves and you can improve your credit score real fast
Make your 'dream-home' dream come true
If you are the owner of multiple credit cards, here are some dos and don'ts you need to know about credit card management.
Women are multitasking and management queens. The pointers here can easily be managed by all women along with juggling their current tasks at hand. Superheroes are fictional whereas superwomen are real. They are all around us!
Getting married has no direct bearing on the credit score of either of the spouses. However it does impact the financial situation and may sometimes impact the credit score of any individual indirectly due to the action of the partner.
In order to make your life a tad easier, here are some pointers on what needs to be done with inheritance of credit card debt.
If you are one of those who is now staring at your credit card bill and wondering how to go about it, here is the way out.
Just like our older generation, you should realise that a penny saved now would come in handy when you need a penny.
Take advantage of the reduced interest rates offered by banks and the tax benefits to make it a lucrative deal
You may forget about your mistakes but CIBIL keeps an eye and maintains a record of each and every transaction right from your first credit card!
Don't hit the buy button as soon as you hear of the next BIG online sale this Diwali. Here are some very important lessons -- in the light of how some online shoppers felt cheated after Flipkart's 'Billion Day Sale' -- that could save you time, money and peace of mind, says Rajiv Raj!
Because from June 1, 2015, you will have to fork out 14 per cent service tax instead of 12.36 per cent
Your credit score is more than just a number. Here's how you can read and understand its importance.
Do you know what is 'credit repair'? And how to go about it?
Let's see how you can use the approach of superheroes to manage money better
A mortgage is a great responsibility that you must bear on able shoulders for a long period of time. If you already have a mortgage or are planning to avail of one soon, you are obviously confident of your finances, but a few tips to save money on your home loan couldn't hurt, right? Read on to find out more!
If you are wondering what all this is about and why should your wife need an independent score then read on to find out.
Some simple tips can help you in better understanding of your CIBIL Report.
Here's the formula and it is not too difficult to implement.
If you have a CIBIL score that is below the satisfactory level of 750, make a resolution this day of spring to enhance your CIBIL score. Here are some ideas that will give your CIBIL score a boost.
Too much unsecured loan can harm your CIBIL rating.
Lenders have lined up a number of home loan products that can fit every aspirant's annual income.
If allowed to go unchecked, this addiction can wreck you financially as well as emotionally.
Because a settled account will do more damage to your credit history than you can imagine.
While we have our wish lists ready, it's only on February 28 that the verdict will be out. We do hope the FM plays Santa and brings some good cheer in this financial year. Meanwhile let's take a moment and list our expectations.
Here's a dummy's guide to the home loan fee maze
Lenders get a clear idea about your financial health, risk profile and personality trait
If you are a compulsive credit card user and are at a loss about how to regulate your credit card spend, here is help at hand!
Applying for a home loan may seem scary if you go into the process unprepared, but if you have braced yourself well in advance and follow these steps you will find that getting your home loan application approved is a breeze.
Work hard, earn more, save well, invest wisely and love your money. But, love yourself first!
While we are slowly moving towards a future where using hard cash will be obsolete, it is indeed a wise idea to start using E-payment cards for pocket money. We need to keep up with the times while we follow our children into the future.
Do not panic if you have a poor credit score. Do not live with the fear of having an important loan rejectd by the lender because of a poor credit score. Here's the solution for your woes
Here are some great books on personal finance and wealth creation that tell you all about how to avoid a debt trap and transform the way in which you handle your finances.
Lenders have lined up a number of home loan products that can fit every aspirant's annual income.
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