On Using Credit Card

Me and my wife have been using credit card when purchasing something may it me on groceries, clothes and shoes. We also use it in our purchases online. Using credit card is very convenient because you don't have to bring cold cash especially on purchases that are huge. Aside from that, we also get to enjoy some perks like freebies when there are promos.

Proper management and discipline are the keys to using credit card effectively. In our case, we see to it that we keep all receipts of our purchases to keep track of our credit card usage. We also discipline ourselves when purchasing using credit card. We see to it that we'll be able to pay what we have charged in our credit card and that it is within our budget to avoid problems with credit card bills. We also pay our credit card bill before its due date to avoid incurring surcharges.

Being an online shopper, my wife and I are looking for an online credit card that we can apply to. We are looking for a low interest card and something that offers cash rebates like Credit-Card-Surplus. Shopping online is lesser of a hassle and it really is convenient especially if you have a credit card that values customers as well.

My Memorable Summer Vacation

Summer is nearing , and I can't wait to have our yearly vacation. I'm working in a school and classes will end this March, so we'll start our vacation after that. I can still remember my last summer vacation and it was a blast. We went to Bohol, and my main target was to see the Tarsier, beaches and the famous Chocolate Hills. We planned for that vacation for several months. We took a bus to Cagayan de Oro City, and from there, we then boarded a ship straight to Bohol. It was a hot sunny day when we arrived in Bohol, and then we took another ride straight to our hotel.

We started our tour the following day. We first visited some of their old churches, and they have plenty of it. One that I can't forget is the Baclayon church, the oldest coral stone church in Visayas and Mindanao. After the churches we then visited the Tarsier, they are such cute little creatures (but smelly). Tarsier handlers and caretakers warned us not to use flash on our camera because it will damage their eyesight and eventually they'll die. Don't know if it's true or not but we followed their restrictions because were good tourist, hahahaha. The next day we went to the famous Chocolate Hills. Going up the steps to the viewing pad was a breath taker (I almost lost my breath cause its too high). Upon reaching the top we then watch the beautiful and exhilarating Chocolate Hills, though its not that chocolaty to look at, but the view at the top was really nice.

The last day of our tour was spent on buying gifts and souvenir items. Although we already set aside money for the trip, we didn't anticipate that we spend too much for the souvenirs. Since we brought cash and our ATM card, we went beyond our budget and keep on withdrawing at the ATM machine. Lots of souvenir items were too beautiful to resist.

It was after the vacation we felt the burden of spending too much that we lived several months on a tight budget to recover from it. It would have been nice if we had a prepaid credit card at that time so we can control our spending. I think I'll use that on our next vacation which will be in Camiguin Island.