Money Wise Blog

There are many little tricks and tips about saving money and while they are all great advice you may still find yourself not having enough money left over each week.  One reason why people tend to have issues with saving money is that they can to get a handle on their spending.

Running to the store for a couple things often turns out to be a trip where you buy a cart load of things.  Everyone has had that happen.  Taming your spending is not easy.

Here is a little trick that you can start using to help you avoid impulse buys.  All you need to do is ask yourself if you really need the item.  Then walk away.  Do more shopping or even leave the store.  You can go back later if you decide that you really need it.

Taking time to think over buying something – no matter how much it costs – will help you to learn to curb your buying habits and prevent you from buying things you really do not need.

At some point every person who has a checking account will bounce a check.  It is a common error and something that needs to be handled promptly.  A bounced check left unhandled can lead to serious, possibly legal, problems.

At the moment you notice you have bounced a check you should contact your financial institution and whoever you wrote the check to.  You want to avoid having it sent through again to the bank where it will bounce again and you will have to pay more fees.

If possible you need to deposit money into your checking account to handle the bounced check and the fees.  Of course this is not always possible.

If you can not deposit money you need to find a way to handle the situation.  You need to speak with your lender.  If this was your first time bouncing a check they may be willing to wave fees which will help you out.

You should also try to pay, in cash, for the check.  You still owe that debt and they legally can keep sending it through the bank until it clears, which means many fees for you.

You should never let a bounced check go.  You have to take care of it.  Be responsible and make sure that you always try to avoid bouncing a check in the first place.