Advantage Journal Magazine - Issue V-1420

 

Advantage Journal Magazine COVER Page
FULL PAGE ADVERTISERS
How YOU Can Advertise
In This Magazine




Money Management Tips For Students With Credit Cards

Keeping control of your money is one of the hardest lessons we have to learn as new college and university students. For many of us it is our first time away from home, and the first time we have to be truly responsible for all the financial affairs in our lives. Some get a handle on money matters faster than others. That's just the way she goes. But if you're not really all that sure where your money is going each month, here are a few things you may want to consider.

I. Avoid Temptations

If you have a particular weakness, and we all do, just stay away from it. If you love shopping, stay out of the malls. If you're a tech-head, stick to once a year upgrades. Nobody says avoiding temptation is going to be easy. However, it is a must if you want to save money. When you want to give into your temptation, this is the time to use your "allowance". Your allowance can be a set amount for 'special' items, or just a big jar where you put your loose change at the end of every day.

II. Credit Cards

If you have a credit card, use it only for emergency. Although they are really handy, credit cards are dangerous and possibly very damaging to your financial future. Credit cards (and in particular student credit cards) have very high interest rates. If you are only able or willing to make the minimum monthly payments then you will very quickly end up with a HUGE amount of debt because of the interest. The really bad thing is that you will also have to pay interest on the interest you owe. So, credit cards are good in a pinch, but should never be used as an extension of your cash.

III. Credit Card Interest

If you have credit cards and your credit is in good standing, you should take the time to call your credit card company, and ask for your interest rate to be lowered. It is just as simple as that. Most people have no idea they can even do this so they never make the call. Just ask the rep for a better rate on your credit card and they will take care of it for you.

IV. Financial Consulting

Many financial companies, community colleges and even churches offer classes on how to manage money. In some cases the courses are free, but often they cost around $35 to attend: it is money well spent. Another choice you have is consumer-counseling services. This is a great if you are getting into debt trouble. The counselors will work with your creditors to lower your balances, interest rates, and establish workable payment schedule that you can manage.




 

Advantage Journal Magazine
FULL PAGE ADVERTISERS

-00-H-KELLY.pdf
-00-JEANTY.pdf
0-WANT_TO_PURCHASE_MINERALS_&_OTHER_OIL_&_GAS_INTERESTS.pdf
00-A-HOWARD.pdf
00-C-ADAMS.pdf
00-C-PRIDGEN.pdf
00-CALVIN-JAMES.pdf
00-J-GARNER.pdf
00-JC-PATTON.pdf
00-JMARS.pdf
00-LYONS.pdf
00-M-DERRICK 2.pdf
00-M-DERRICK 3.pdf
00-R-MIZER.pdf
00-R-RAGLAND.pdf
00-RJ-LYONS.pdf
00-S-EISON3.pdf
00-S-SMITH.pdf
00-Vaught.pdf
00-W-SMITH2.pdf
00-w-powell2.pdf
00_OIL_&_GAS _INTERESTS.pdf
01-D-Foley.pdf
01-DEL-PILAR.pdf
01-J-HURLEY.pdf
01-K-BOVIN.pdf
01-L-SMITH.pdf
02-R-MIZER.pdf
09-JC-PATTON.pdf
11-Dalton 10 2019.pdf
92-ANTHONY-JOHN.pdf
92-DANNY-DEJESUS.pdf
93-w-powell.pdf
95-C-BUSTAMANTEZ.pdf
95-C-PRIDGEN.pdf
95-D-CANYON.pdf
95-FORCE-MARKETING final.pdf
95-R-CUTTS.pdf
95-S-EISON.pdf
95-S-EISON2.pdf
99-AARON-BRYANY.pdf
99-Brite-Star.pdf
99-Brite-Star2.pdf
99-D-BROWN.pdf
99-DALTON-BLUETOOTH INNOVATIONS.pdf
99-DALTON-WANTED POSTCARD MAILERS.pdf
99-G-MARTIN.pdf
99-J-HURLEY-2.pdf
99-J-OWENS.pdf
99-JCPatton (2).pdf
99-JCPatton.pdf
99-JJ-GARNER.pdf
99-P.L. CARTER-MAKE MONEY MAGAZINE.pdf
99-Slaton-Eison.pdf
99-WANT_TO_PURCHASE_MINERALS_AND_OTHER_OIL_&_GAS_INTERESTS.pdf
99-a-atkinson.pdf
99-d-balderstone.pdf
99-m-derrick.pdf
IMDA-MEMBER-LIST-99-LABEL-READY.pdf
Your-2020-ADSHEET-DIRECTORY.pdf
mail order report.pdf

 

WANT TO PURCHASE
MINERALS AND OTHER
OIL/GAS INTERESTS.

Send details to:
P.O. Box 13557
Denver, CO 80201


Current Issue of 12/04/2022

200 MONEY MAKERS.
EASY WORK AT HOME!

200 Excellent Money Making easy work at home opportunities for women! 20 page booklet. Send $8 money order to:
Universal Market Source,
P.O. 11608,
Merrillville, IN. 46411

231


SEEKING PARTNERS!!

Clear Over $20,000 In Just
A Few Months.
Write For FREE Details!
Please Mention This Publication When Responding To This Ad.
Write to:
William F. Rhoton
P.O. Box 434
Gate City, VA 24251

38



207


14 BEER RECIPES

Ingredients - Directions
Only $10.00 Cash or Money Order. Three more Beer Recipes Free.
WRIGHT'S CO.
P.O. BOX 1886
HORSHAM PA 19044
http://wrightsco.com

109



106



193


YOURS IN HEALTH, WEALTH AND WELLNESS,

WWW.TimeFreedomRings.com /P1033
WWW.5050Fifty.com /P1033
WWW.Move2Pure.com /P1033

162


ADS ACROSS USA



102



80


BUY DIRECTLY FROM "DIRECT" SOURCE!

VISIT OUR ONE-OF-A KIND WEBSITE
TO FIND SOME OF THE MOST POPULAR
AND SOUGHT-AFTER-PRODUCTS...
OFFERED TO THE PUBLIC AT
UNBELIEVABLE, WHOLESALE PRICES!
www.jcpattonbestdealsinternational.com

104


NEW 20/80/100

Only $20.00 To Join.
80%Payout In Cash.
100% Guaranteed!
Plus "Permanent Pay".
We Pay $2.00 Per Level.
8 Levels Deep.
Our Insider's Report Puts You In Position To Earn Thousands.
FREE DETAILS!
SASE To:
BARBARA JACKSON
1259 EAST 58th. STREET
LOS ANGELES, CA 90011-4825
IS THE BEST PROGRAM EVER CREATED!

6


Exciting Magazine Worth Having
SHORE TO SHORE

Reliable service, Best of the Best
Offers, Info, Ad Specials!
Will you have the next
great issue!
One year subscription only
$20 + LSASE to:
Ed O'Blenis
POB 524164/Stadium
Bronx, NY 10452

61


GAS & CASH EXPLOSION!
Never Pay cash for Gas Again!

Get a $25 Pre-Paid Gas Card
Just for Joining!
Receive Unlimited
$25 Gas Cards + $15 Cash!
For your masetr copies, your first $25 Gas Card and to begin receiving Unlimited Gas Cards & Cash Earnings,
Send This AD + One-time payment of $75 to the Monitor:
DAVID BOWKER
1002 -9th. Ave.
New Brighton, PA 15066
Referred By: Gerard Jeanty, ID #1180
Select 2 choices of Gas Cards:
Exxon BP Gulf Sunoco Shell Marathon CitGo

72


TAX-FREE MONEY

This sounds appealing. Work is
required on your part,
but isn't it worth it?
Application and Details come with $1.00 and LSASE:
TX
1660 BROWN ROAD
APT.G
COLUMBUS,OHIO 43223

174


DISCOUNT STORE

Receive Discounts On Millions Of Health Products. Name Brand Items And Medicine 24/7 Delivered To Your Door. Check Us Out Now!
www.myedgeco.com/myhealth/ls26

179


14 BEER RECIPES

INGREDIENTS - DIRECTIONS
Great Receipts
Only $10.00 Cash - U.S.Money Order.
Three More Beer Recipes Free.
Wright's Co. , PO Box1886
Horsham PA 19044
http://wrightsco.com

113


FREE Goldmine Opportunities Directory CD

100's of the latest money making programs listed +100'S of business eBooks included! Reg. $25 price, yours FREE, just send $5 for S&H to:
Harold Bosi
P.O.BOX 35-188
ELMWOOD PARK, IL.60707

68


Yes! Up to 100,000 HOT READERS

1 sided 8.5x11 ad on our popular "BUSINESS OPPORTUNITY" WEBSITE.

http://mailbiz.com/ mailbiz/mailorder/1pdf/Bozi2.pdf

48


GAS & CASH EXPLOSION!
Never Pay For Gas Again!

Get a $25 Pre-Paid Gas Card
Just For Joining!
Receive Unlimited
$25 Gas Cards + $15 Cash!
For your master copies, your first $25 Gas Card, and to begin receiving Unlimited Gas Card & Cash Earnings, Send This AD + One-time payment of $75 to the Monitor:
DAVID BOWKER
1002 9th Ave. New Brighton, PA 15066
Referred By: Gerard Jeanty, ID#1180
Select 2 choices of Gas Cards:
Exxon BP Gulf Sunoco Shell Marathon CitGo

121


23 POPULAR FAST FOOD RESTAURANT DISCOUNT CARD



126



161


CUT MORTGAGE PAYMENTS IN HALF!

www.themtgmanager.org/aff/8203 - Leroy Taggart
www.themortgagemanager.biz/8203-Leroy Taggart
www.themortgagemanager.biz/backoffice

87


FINALLY , A WAY FOR AVERAGE PEOPLE TO MAKE UP TO $1,000 PER WEEK.

Go to http:wwwmailboxmiracle.com/906
Call 24 hour:518-530-1744
Must use ID #906

112


VISA/MASTERCARD

No Income Or Credit Check!
No One Refused!
For Application, Send #10 S.A.S.E to:
JAY ENT.
1508 STAFFORDSHIRE DR.
CHARLESTON, SC 29407-6508

32




    


images_article



images_horiz_220x90



images_horiz_468x60



images_horiz_728x90



ad_images_mini



images_square

images_vert


Advantage Journal Magazine

Advantage Journal Magazine - COPYRIGHT - ALL RIGHTS RESERVED