using Bank Credit Cards to our advantage

Ok if you hate banks this is the way you and get back at them, credit card companies only make money if we pay interest. which is why they give cashbacks and points etc just so that you will use their cards.

get a cards that give you points or cashbacks use them for your day to day expenses but set up a direct debit you pay the whole money off.

Only spend what you have in the bank account. you might ask why you use the credit card it\’s safer than debit card. and you get cashbacks so they are paying you and not getting any back from you. It\’s a good feeling.

When I was young I fall into their trap as a 19 years old given a credit card and they kept increasing the limit to how ever much I wanted. ended up in lot of trouble. I thought they are doing me a good thing till I calculated the interest I was paying

I learn my lesson. If I wanted to buy anything I just save up. If I can\’t then I won\’t buy it. I know it\’s not an option for everyone. some emergencies do happen but most part this will work.

I read lot from they have lot of advice on how to save money etc.

Roaming charges on mobile networks O2, 3 , EE etc

apart from three all the networks are very expensive. O2 will charge you £1.25 receive a call and £1.50 to call out. Text will cost another 40p I know O2 give the TVu GO app but data even more expensive. £6 for 100mb some thig crazy like that.

Best bet if you are traveling and needed use your O2 number. get a Three phone on a monthly or pay as you go. run the tu go app you will be able to use the data from three and phone and text from O2.

I know you can do the same thing by getting a local sim. some countries it\’s not easy getting a local sim. and with out knowing the Language we might end up with something we don\’t need or work.

Three works fine anywhere but London. in London it\’s rubbish I think mainly because lot of users are on this. My Mrs uses it when we go north. It\’s works faster than O2.