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Keeping your credit card safe is a serious matter these days. Billions are being lost to credit card fraud every year. Yet, many people seem to be only too happy to hand out their credit card details. We are increasingly reliant on our credit cards to pay for goods and services. When making payment for goods online, we don't think twice about handing over our credit card details. Many consumers are not aware of how they can protect themselves from credit card fraud. For instance, it is only too easy to hand over your credit card details when your annual insurance policies are due or when you want to complete a purchase. Top Tips On Keeping Your Credit Card Details Safe There are ways in which you can make credit card less likely. Maybe one of the best ways is not to pay by credit card at all. If an online retailer accepts Paypal, this is often a more secure payment method. However, there are times when you do want to use your card. If that is so, there are a couple of steps that you can take. Phone Them Back When your insurance company phones you up to ask for a payment, it is a good idea to phone them back to make the payment, After all, how do you know it is your insurance company? The first thing you should do is to check that they have your insurance policy number. If they do, it is great, but it does not give you the complete picture. Many companies get hacked every day, and companies holding financial information are more likely to get hacked. To make sure that you are actually talking to your insurance company, ask them if you could call them back. Check that the phone number given to you is associated with the company. You should also ask them to send you an email to confirm the cost of the policy. Don't be embarrassed to do – it is your money. Check Your Statement Online Make sure that you have access to your credit card statement online. This allows you to check on an ongoing basis to make sure that all transactions are correct. A lot of people throw away their receipts, but this is not a good idea. Check your statement a couple of times per week. Set Up An Alert with Your Credit Card Company Setting up an alert is another good. A lot of credit card companies allow you to download an app which records and sends you a message when someone debits your card. This is a great way of keeping an eye on your card. If you suspect fraud, give your credit card company a fraud right away. Leaving Your Credit Card Details Online Don't leave your credit card details with your favorite online shops. You may trust them, and they could be great, but you never know. Even the safest stores can be hacked or a member of staff may access records. If a company insists that you leave your details with them on a permanent basis, you should ask yourself why. Some auction sites ask you to leave your credit card as a form of security or to make bidding easier, you should vote with your feet. On top of that, you should never give your credit card to the restaurant staff. Make sure they bring the machine to your table instead. In other words, never let your credit card out of your sight, and you may even want to consider a prepaid credit card to be on the safe side.
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Has your pension's income flat lined? Most people around the world only have a certain amount of income in retirement. Unfortunately, interest rates are still low and are not likely to increase in the near future. It is not only you who are affected. Millions of retirees have been affected by steadily falling interest rates. This has forced many retirees back to work, many have found themselves struggling even though they thought they were going to have good retired incomes. The truth is that living costs are out of line with many pensions. Instead of enjoying their retirements, many have been forced to go back to work. These days, you are likely to find retirees working in supermarkets and gas stations to make ends meet. Should you find yourself in a similar sort of situation, it could be a good idea to check out what you can do to help yourself. Find a Job Yes, it is a good idea to find a job. But, do you need to leave home to work? If you need to travel to work, you need to take any travel expenses into account. Fuel is not cheap, and driving to work can easily cost you a lot of money. There are smarter ways to work. You could become a dog sitter and walker, take in ironing, or even do some sewing. Of course, you can also work online. Setting up your own blog is a good idea. You can make money from your blog using online advertising schemes such as Adsense and affiliate marketing programs. It is not difficult to become a blogger and companies such as Weebly makes it easy for you to set your first website. Even if you have not tried blogging or creating your own website before, you will find it easy to do with Weebly. Who knows – you may even become a Digital Nomad! Make Sure You Make the Most Out of Money Saving Schemes Popular supermarket bonus schemes can help you to save money if you use them in the right sort of way. It does not seem to matter where in the world you live, you fill that your local supermarket will have some sort of loyalty card scheme. They can save you money, but you need to be clever about how you use your points. If you are savvy enough, there are some high ticket items which you never need to spend money on again. But, you need to think ahead. Also, you need to check out cash back credit cards and make sure you make the most out of your ISA allowance. More and more banks are leaving the UK high street and it can be hard to find financial advice. Not all of us like to use services such as internet and telephone banking. Cashback sites can help as well, and there are a couple of good ones that you could try. You could even set up a newsletter promoting the best deals on cash back and discounts sites. In other words, there are a plethora of ways to boost your pension. Keep an eye on how much money you are earning to inspire yourself and others. Also, find out if you have been mis-sold any financial schemes. Someone could be owing you money. |
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April 2023
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