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Our experts choose the best products and services to help make smart decisions with your money (here's how). In some cases, we receive a commission from our partners; however, our opinions are our own. I used to spend $800 to $1,000 a month on food for my family of four in Los Angeles, California. But now that I'm more thoughtful about how I plan and buy groceries, I've cut my grocery spending in half. Here are a few tricks I've used to reduce my grocery budget and save money on food every month.
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The Discover it® Balance Transfer offer is not in market. A 0% APR introductory offer on a credit card can buy time to pay off credit card debt without accruing any more interest. 0% APR on balance transfers can be a debt-payoff toolThis promotion offers 0% APR on your balance for a set period of time, often 12 to 24 months. This card has a transfer fee of $5 or 3% of the transfer balance, whichever is greater. If you're not able to pay off the balance in time, you might want to transfer it to a new card.
The CareCredit card from Synchrony Bank offers financing for a wide variety of health-related expenses, from beauty treatments to medical procedures to pet care. It offers financing for health, wellness, and beauty-related treatments and other procedures that aren't covered by your insurance. While the CareCredit card is primarily for the main cardholder, it's possible for other family members to use the card for their healthcare needs as well. Long-term financing: reduced interestWith this financing option, you're also given a fixed minimum monthly payment based on your balance and the duration of time you choose. CareCredit offers a 60-month term option, but that is only for purchases of $2,500 or more.
At age 20, I already had $15,000 in debt — mostly student loans, but unnecessary credit card debt, too. In fact, my 20-year-old self was in over $15,000 of debt and had no idea how to manage money. Here are the five things I wish I could tell my 20-year-old self about money and credit cards. Essentially, to build credit, you need to show creditors that you're capable of making on-time payments. Using a zero-based budget helped me put more towards my debt — money I would have otherwise wasted on non-essential spending.
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