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Credit card grace period is the time period, that is between the end of your billing cycle and your payment due date. This time period is usually between 20 and 25 days, allowing you to make a payment for the prior month’s purchases without accruing any interest on those items.

So this makes the due date that is stated your statement, the time when the grace period ends. After that date, the interest will start accruing ion any unpaid portion of your balance if your APR is greater than 0%.

It is also possible that the grace period is ultimately wiped out in some cases. This happens if you typically carry a balance on your credit card from month to month, and fail to pay your accounts in full.

Let’s take a look at the different types of credit card grace periods:

Full Credit Card Grace Period
A full credit card grace period allows you to carry a balance from prior months and still avoid interest on purchases made during your most recent billing cycle, assuming you pay them off entirely within the 20-25 day window.

The interest will still be charged on the balance that you carry over, but new purchases paid for within the grace period that correspond to the latest billing cycle will be interest free.

A full grace period will be listed as “average daily balance excluding new purchases”, by the credit card issuer. This means that any balance carried over from previous billing cycles accrues interest by way of average daily balance, with new purchases excluded from this computation.

Standard Credit Card Grace Period
Unfortunately, most of the credit card issuers do not use the above-mentioned formula, and charge interest on all purchases immediately if you’ve got a previous outstanding balance.

But this can work like a full grace period, if you pay your credit card in full every month. As long as you make the full statement balance payment within the allotted time designated by the grace period each month, you won’t have to pay any interest.

A standard grace period is listed as “average daily balance including new purchases”, by the credit card issuer. This means that balances carried over from previous months as well as new purchases accrue interest based on the average daily balance computing model.

Thus, any new charges accrue interest immediately and any outstanding balance from a prior billing cycle will essentially eliminate your grace period.

No Credit Card Grace Period
It is also possible that you won’t be offered any grace period at all. Cash advances and convenience checks have no grace period, and so, the interest begins to accumulate the minute you withdraw the funds. Some department store credit cards also have the same rules, so watch out before you opt for one.

It is better if you assume that you do not have a grace period that covers all of your purchases. If you do not know about the type of grace period that applies to you, it is better to contact customer service and have them explain it to you clearly.… more

Budgeting can be very difficult. For some it’s harder than for others. Some need much more help and a real system to keep track of their expenses, and make sure their bills get paid on time and that they have the money to do so.
One method I used to utilize is the envelope method. It’s very easy and ensures that you will have the money when you are ready to pay your bills.
The first thing you need to do is make a list of your short term expenses (those that you pay EVERY month), in order of most important, to least important. For example, lets say that your list looks something like this…

1. Rent
2. Utilities
3. Groceries
4. Loan
5. Credit Card
6. Transportation expenses

You will take six envelopes and write on each one what it is for. Depending on how often you’re paid, will determine the amount you need to put in each envelope. If you are paid monthly…put the full total on the envelope…that is how much you will put in when you get paid. If you are paid bi-weekly, divide your payments by two…and write it on the envelope…that will be how much you put in each pay.

After you have it set up and know how much you have to put in for your short term expenses, you can move on to the long term expenses…the one’s you don’t pay every month, but maybe once

a year or a few times a year. This can include anything you may be saving for. Again, in order of importance.

7. Vehicle repair/inspection
8. Insurance
9. Vacation
10. Gifts
11. Emergency fund.
12. Misc.

You would take how ever many more envelopes you need and write the title on them. These will be your “secondary” set of envelopes…the ones you put into after your efficiently filled your first “priority” set. If you know how much you need for these expenses, put set amount on them, and you can either put your extra money in them one or a few at a time…by order of importance, or put a little money in each as often as you can.
If you have a set amount you need, you can stop filling one if you wish when you have enough money in it…until you make the payment, then start filling it again.

This is a system that I have found to work well for me to really keep track of where my money was going, and also for a few others I have known who have had problems with money management.

This system works very well, as long as you don’t “borrow” money from your envelopes. Especially if you are not a great money manager….as you will forget or won’t have the money to “put back” into the envelope and can end up short.
It’s a good system and can help keep you on track. Some other options is you can put your envelopes in order by payment date, and write the date on the envelope that you wish to pay them each month. Also, when you get a bill, you may put it in the envelope with the money, then it won’t get lost and will be there when you are ready to pay it.

Happy Budgeting!… more

I like to save money. Because of this I have read many books, articles, newsletters, and blogs about ways to do this. In all of this reading I have rarely, if ever, read about one of the most lucrative money saving strategies that I use. Returning things. Are you surprised? Don’t be. Returning things is a great money saving strategy.
I have often heard the suggestion to look around your house to find things to sell to earn money, but if you’re like most people, you probably have some things around the house that you should return instead. That paint you bought but never got around to using. Those shoes you bought your daughter that she won’t wear. That do it yourself dry cleaning kit you thought you would try but never did. These items are worth money and should be returned. I know it seems like a hassle. Where the heck did you put that receipt? What will you tell the clerk at the Customer Service desk? Relax. Doing a return is easy. They won’t even ask you why you are returning the item. They have a return policy and they will honor it.

If you can find the receipt, and it hasn’t been too long, usually about 30 to 90 days, you can return most any item and get your money back. How great is that? You can get your money back! It’s like mistake insurance. You made a purchasing mistake and you get to fix it for free. You bring the item back to the store and they give you your money back. Now that’s a money saving strategy! Even if you can’t find the receipt or it has been too long, you can usually at least get a store credit. That’s great too. You can use the credit later to buy something you will need and will use. Or you can use the credit to buy someone a gift for an upcoming occasion.

Returning things is also a great antidote to impulse buying. You know, when you were in the store you just had to have those cute shoes, but when you got home you came to your senses and realized they really weren’t worth two weeks of grocery money. No more buyer’s remorse, return them!

Even when you receive a gift, you should at least consider the possibility of returning it. Now I’m not suggesting you return something sentimental, or something you love, or something that the giver would know you returned and would have hurt feelings over. But if you’re like me, you and your family, especially children, receive so many gifts for so many occasions that the vast majority of them don’t fall into any of these categories. A children’s birthday party, for example, can yield as many as twenty gifts or more. How many craft kits or action figures does your child really need? Many of these items are excellent candidates for being returned. You should view gifts the same way you would view something you purchased. If you wouldn’t buy it yourself, you should probably return it.

The other reason to return something is if you find an item on sale, that you previously purchased at a higher price. Now, if it is at the same store where you bought it and is within two weeks of when you bought it, most stores will give you a price adjustment. But if it has been longer than two weeks or is at another store, why not buy the sale item and return the item that was purchased at the higher price? This is especially lucrative after Christmas when pretty much everything you recently purchased is now on sale.

So, don’t overlook this great money saving strategy. Find something to return today!… more