Are your Christmas gifts insured?

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3 epic fails involving credit cards

to pay it off without interest like you do with normal purchases. Additionally, card issuers charge a higher APR for cash withdrawals than for purchases.

Using the

Why graduates need life insurance

13,000 in student loan debt. Additionally, many recent graduates have credit cards and overdrafts to their name. If the unthinkable happens, what could a graduate’s untimely death do to the finances of the surviving family?

While there really isn’t a specific life insurance niche just for students, many students are deciding that they want to protect their families in the event of their untimely death. Fortunately, most university students and recent graduates are young and healthy, and eligible for inexpensive term life insurance policies. Such a policy could ensure that accumulated student debts are paid off in the event of death. This can prevent surviving family members from having to take on additional financial hardship.

Life insurance for recent graduates might include a sum adequate to pay off school fees, student loans, and other debts, mortgage protection for recent graduates who have purchased a home, or a family income benefit in the form of regular payments to the family in the event of death. It always pays to shop around and compare life insurance policies, even for young, healthy people who generally pay low premiums.

3 people for whom Instant Decision Credit Cards could be perfect

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3 tips to avoid overdraft charges

and Mint.com let you easily input expenses and balances from bank accounts and track them by category. WAP-enabled phones can use the Moneybasics Spendometer, which tracks spending and lets you set spending limits and easily create reports of your spending.

2. Arrange for overdraft protection from your bank.

This is an agreed borrowing limit you arrange with your bank, and it can help you manage cash flow better. It gets you out of a jam when, for example, you have an urgent bill but your pay cheque doesn’t go in the bank for a few more days. You have to arrange for this with your bank, and some banks allow you to do this online or over the phone.

3. Arrange text alerts from your bank.

Some banks, including Lloyds TSB, will send you a text message when you’re nearing your account limit so you can avoid unplanned overdrafts. Plus, with Lloyds TSB, if your account goes overdrawn, you are given until 3:30 p.m. UK time to pay in the money or arrange a planned overdraft so you can avoid overdraft fees. You can also arrange texts alerts for when your account nears a low balance limit that you set.

4 reasons why car insurance is cheaper for women

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Prevent winter breakdowns with these 5 tips

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