The Credit Letter | Part 3

The Credit Letter Flamin’ good advice for your money

Search Form

Looking For Perks: 5 Tips To Get The Most From Credit Card Rewards

One of the biggest trends in credit cards now are rewards, where you get rewarded for making purchases with your card. Thes for of the reward is entirely dependent on the type of card that you choose, and there’s a wide range of credit cards with rewards programs out there too. Rewards range from air miles to cashback and shopping coupons to free music on iTunes.

One thing is for sure: you should not miss out on the opportunity to earn rewards and start saving yourself some money. Here are a few tips to help you select the right rewards card for you!

Read More

Young Australians Are Growing Up With Debt

According to recent market data, young Australians are getting themselves into severe levels of personal debt. Australian financial information providers, Dun & Bradstreet, put it down to inflating interest rates, rising fuel costs, rising rents, HECS fees and greater availability and reliance of credit. Add to the mix, a youth mindset which says “buy now, pay it off later” in a culture increasingly addicted to instant gratification and we find ourselves with a huge problem.

Read More

15 Quick Ways To Eat Healthy On A Budget

If you’re on a tight budget the idea of cooking healthy meals on a regular basis can seem daunting, and it’s very easy to fall into a rut eating the same foods over and over again.

However, the good news is that it is possible to cook healthy meals for your family, while living frugally.

Check out these simple, yet effective tips for healthy eating on a budget:

Read More

10 Reasons Why You Need A Personal Warchest

Perhaps you are the sort of person who likes to live life by the seat of your pants! What I mean in terms of personal finance is that you run your money between what comes in and what goes out on a very tight line. Perhaps you assume that since nothing bad has happened to you up until the present, that things will continue to go like this. However, what would happen to your personal finances when an emergency happens that cost you around …… say $2000? What would you do? Do you have enough money saved away to absorb the loss? and when is your next pay cheque coming in?

Let us give you 10 real life scenarios when a personal warchest (emergency fund) would be helpful:

Read More

The Webmaster’s Timecard: 15 Ways Webmasters Waste Time

We’re all guilty of this: wasting time checking stats. The problem is that once you get hooked, it’s like an addiction to crack. Statistical crack isn’t easy to wean yourself off, but you’ll fail to do so at your own cost. Just how much time do we waste peering at log files and CTR reports? Too much!

In light of that revelation, here are a few ways to break the habit and free up more productive time.

Read More

Successful Freelancing: 50 Tips For Running A Freelance Business

If you are starting a freelance business, chances are you want the freedom to be your own boss. However, there are a lot of responsibilities that come with this freedom and if you want your business to be successful, you’re going to need to get some management techniques in place. It’s essential that you get to grips with the fact that no matter what kind of freelance business you’ll be running, you will only be successful if you can be a good boss of yourself.

So with that in mind, here are 50 tips to help you make sure that your freelance business is successful and, most of all, profitable!

Read More

The CV Writing Toolkit: 50 Tips For Writing A Good CV

Presenting a good CV can truly make or break your chances at getting a job. The CV is your voice telling the perspective employer what makes you stand apart from your competition. It also highlights your experience and unique qualifications. It is essentially a marketing tool that is selling you instead of a product.

In essence, your CV is the gateway to a job interview so it had better be good. Listen up!

Read More

Jobseeker’s Toolkit: 50 Job Interview Techniques, Tips & Tricks

So the call has come in and you’ve finally gotten that much anticipated job interview. What do you do now? Run out and celebrate with your friends or make sure that you are both physically and mentally prepared to do your very best on your big interview day? Being prepared for your job interview can be the difference in whether you get the job or not.

An interviewer can easily tell which candidates for the job came in prepared, and which ones are just winging it. By making sure that you are both mentally and physically prepared for your job interview, you give yourself a much better chance at coming in a winner.

Here are 50 tips for before, during, and after a job interview to make sure that you are completely prepared for the entire interview process.

Read More

10 Ways To Make Money Offline Using The Internet

Just like businesses operating online can make money through offline methods, there are a number of ways that people can generate money offline using the internet for support. In today’s world there is very little sense in having no presence on the internet because as figures show, more people are spending more time browsing, researching and socialising online.

Just because you run an offline business rather than an online one, it simply does not mean that you cannot use the internet in a variety of different ways in order to boost your offline business and to stay in touch with customers past and present. You will be surprised at how successful some of these tactics can be at keeping in touch with your customers.

So here are ten of the most interesting and cost effective ways that income can be generated offline simply by using the internet.

Read More

The 50 Most Common Mistakes People Make In Business

The 50 Most Common Business Mistakes

While starting a business can be advantageous and quite prosperous for a great number of people, there are a variety of business mistakes that new entrepreneurs can make. Some of these common business mistakes are repairable, while others are truly detrimental to the health of a company and can spell certain death. Here are the top 50 most common business mistakes, divided into five primary categories as they apply to business.

Read More