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Measuring Finances
Credit Cards
Assets vs. Liabilities

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Current Level:
Credit Cards 2
Credit Cards 3
Credit Cards 4


In Scope Solutions, Inc. offers a variety of Consulting Services to help you grow your business, increase you productivity and reduce the time you need to spend in the office. We can help you achieve the state where you can focus on running and growing your business as opposed to fighting fires and doing the work yourself. From overhead reduction through employee training to IT Management services. We use tried and true methods to save you time, effort and money. Contact us and Give us a try.
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This and That:
Learning Financial Responsibility

The Right Way To Use A Credit Card

Using a credit card is not a science. Just keep a few things in mind when you use it:

  1. Treat the credit card as if it were cash. Don’t spend more money than you have in your account at the time you use the card.
  2. Make note of each card payment you make and keep a rolling balance (in you head, in a notebook, on your computer, whatever it takes)
  3. Reserve the money you spend with your credit card in your account. That means if you have $100 in your account and spend $60 on your credit card, you need to adjust your “available cash balance” to $40. You can do this by keeping track of you cash flow (see above) or by actually moving this money to a different account dedicated to paying your credit card.
  4. Pay of your card balance every month. This will help you avoid late fees and finance charges, which are what gets most people with credit card debt in trouble. Remember, once you go into debt someone else makes money off of that – in this case, the credit card company.

If all these things seem to be too much of a burden to keep track of, then maybe credit cards aren’t for you. 

(read on ...) 

Copyright (c) 2008 by In Scope-Solutions, Inc. 

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