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One Cent At A Time

A Personal finance blog to get rich

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Archives for October 2016

  • Beautiful Life
  • Becoming Rich
  • Beginners Guide
  • Extra Income
  • Productivity
  • Saving Money

It’s Important to Have a Good Credit Score

October 31, 2016 1 Comment

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This is a guest post from one of the readers, who wants to be anonymous.

Having a good credit score wasn’t always on the top of my priority list when I was in my early 20s. I never had an immaculate score, but it also wasn’t too shabby. I could have access to almost any type of financing: credit cards, car loans, and even a mortgage. I always paid my bills on time but I typically carried over some of the balance to the next month.

It’s Important to Have a Good Credit Score

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How to Deal with an Overcharging Car Mechanic

October 31, 2016 18 Comments

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Have you ever wondered if your mechanic is taking advantage of you? Do you ever get the suspicion that you’re paying too much for your auto repairs? If you ever have these thoughts, you’re not alone. There are repairs that you are most likely overcharged for.

Over charging CarMechanic

Until recently, whenever I got my car repaired I felt I was overcharged. When I talked to my colleagues about it, it became clear that I was looted. Even after trying a lot of ways they suggested, nothing seemed working at first. It took time to get accustomed to getting price quotes and reading online forums. Now things started getting better and better. Not only I can now do many repairs myself but also, I seem to be satisfied with the money I pay when I get it repaired by a mechanic.

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10 Most Common Passive Income Technique for Everyone

October 29, 2016 23 Comments

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Anybody can earn passive income, you don’t need to find time to generate a passive income. You just invest your money or time and then sit back, relax and reap the profits from your investment. The best part is you can keep your day job, you can continue to do the work you want to do while in the background the passive income machine generates revenue for you.

Passive Income

Don’t you feel excited? Don’t you want to generate some passive income in the future? I am sure you do and that’s why I wrote this article full of ideas that are most common and very practical. I know at least one person in my real life who earn money with the ideas I presented.

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4 Actionable Steps for Getting Out of a Financial Rut even with Bad Credit

October 27, 2016 Leave a Comment

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Some folks get into financial troubles because of a sharp unexpected drop in their income – sudden job loss, demotions, business troubles, or even a crash in the stock markets could put people in financial troubles. More so, people could run into financial troubles because of a sudden increase in their expenses. The arrival of a new child, a medical emergency, and divorce among other things could put a strain on finances.

Getting Out of a Financial Rut even with Bad Credit

Sadly, financial troubles when not quickly addressed often have an adverse effect on a person’s credit score. Hence, many people find it hard to overcome their financial troubles because they are caught in the vicious cycle of financial troubles and a bad credit score.

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Wise Tips to Save on Baby’s First Year of Life

October 24, 2016 1 Comment

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Caring for a child is the most rewarding thing that has ever happened to me. It might have drained my family’s savings yet it has filled us with so much love. It is said that the best things in life are those that are free, yet caring for a baby isn’t cheap. So unless you are living somewhere in a far-flung jungle, no matter how much you had saved up, budgeting will always be a struggle.

Wise Tips to Save on Baby's First Year of Life

Shopping for a baby is physically daunting and is equally draining to the wallet. Unless you have deep pockets or have a frugal friend who can guide you, you’ll need a bit of help and advice somewhere. It is unwise to wallow in debt and worry so let me help you based on my personal experience. Been there, done that; budgeting isn’t easy. Yet with a little bit of planning and some wise choices along the way, you can balance your expenses and have one less thing to worry.

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Plan on Saving Thousands on Mortgage Loan by Repairing Credit First

October 22, 2016 Leave a Comment

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When you first anticipate the reality of wanting to become a homeowner, it will also be the time when you get serious about where your credit card stands.

Consumers that tend to pre-plan for all things financial should recognize the importance of getting the financial house in order, including attention to their credit scores. However, that is not always the case with perspective homeowners and as a result they end up losing thousands or hundreds of thousands of dollars over the lifetime of a loan.

Importance of Advanced Planning For those who are not advanced planners, getting approved for a mortgage may prove more difficult than initially thought. Mortgage lenders in today’s economy expect a lot more from borrowers than they have in the past decade. Lending requirements are much stricter and borrowers will need to be prepared to meet these expectations.

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Ways to Express Love and Care for your Wife

October 17, 2016 36 Comments

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Everyone needs pampering, and everyone likes to feel appreciated. After 7 years of marriage, every once in awhile I take SMB, my wife, for granted (especially since I started blogging). I thought she accepted me putting numerous evening and weekend hours into blogging. But, she didn’t, she thinks OCAAT is my second wife!

How to Show Your Wife You Care

Also, my frugal ways don’t really match with hers. We were raised in contrasting lifestyles – I never had plenty of things in my life, whereas she got whatever she wanted. We know that marriage is a bond of love with mutual compromise, which keeps the bond.

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8 Online Work at Home Jobs for a Part-timer

October 17, 2016 5 Comments

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If you don’t like the thought of rushing to work at a particular hour every day or working for a company on a full-time basis, then this could be a very interesting read for you.

8 Online Work at Home Jobs for a Part-timer

With just a computer and an internet connection, you can connect to various employment opportunities in under a few hours. The best part about this type of work is you can earn your income at your preferred work hours and in the comfort of your home.

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Tips for Hiring the Best Moving Company

October 11, 2016 1 Comment

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When choosing a moving company, it is best to check their reputation first. Hiring a moving company with a great reputation will save you money and time.

How do you choose whom to trust with your worldly belongings?

Asking the right questions will help you to uncover a wealth of knowledge that you would otherwise not know about. Here are some questions that you need to ask movers before hiring them:

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Opt for Personal Loans with Caution: Personal Loan Advice

October 8, 2016 1 Comment

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The most preferred options for financial aid when it comes to meeting times of financial crunch are personal loans. Today, getting a personal loan is as easy as it can get. But at times, a personal loan may also mean a huge block of financial obligations if approached wrongly whilst getting one.

It is always better to exercise some caution and do some due diligence before signing on the dotted lines. Here are some of the common personal loans related pieces of advice for you:

  • It’s not advisable to take more than one personal loan as it is a costly form of credit. You should depend on it only if you have no other options to raise money.
  • Don’t get carried away and borrow more than what you can actually pay.
  • Make sure you are updated on the terms and conditions before signing on as you will be obligated to fulfill the obligations as listed in the terms. If not, it may cause a rift between you and the financial institution you are lending from and may hamper your credit history too.
  • Do not fall prey to the option of long tenure just because the financial service is offering it. The longer your loan tenure is, the higher will be your final repayable amount. Choose an EMI that can be managed comfortably each month. A higher EMI with a short tenure will prove to be more cost-effective than a lower EMI with a long tenure. However, make sure that it does not strain your monthly budget.
  • Compare other loan options to personal loans. If you are an existing home loan borrower, it will be wise and pocket-friendly for you to opt for a top-up loan. There are also many other loan options out there such as loan against FD, gold loan, loan against security, etc.
  • Before you decide on a lender, doing a bit of market survey on what other lenders have to offer will pay you off. Do a comparison of charges, prepayment clauses, and interest rates. Don’t make the mistake of rushing into it just because it’s sanctioned easily.
  • Banks these days send executives to get you through the documentation process. Do not hand over blank, signed applications for the executive to fill up. Make sure you do it yourself and familiarize yourself with what’s being asked from you and what you will be offered.
  • Read through the fine prints. Go by all the terms and conditions of the loan and be aware of the interest rate you are being charged, processing fees and other hidden charges. Learn about the loan pre closure clauses as well.
  • Approach your regular banker as he will already be familiar with your credit worthiness. This will enable quick processing and easy disbursement of the loan. Negotiating interest charges will be easier too.
  • It is very important that you maintain all the records of loan disbursed and payments made and the details of the negotiated interest, processing fees, waivers, etc. Banks may sometimes charge you fees for additional statements and agreement copies.

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