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Credit/Debt New Year’s Resolutions Courtesy of Good Sam Visa® ^[4]

^[5]Traditionally, the holidays are a time to indulge–whether it’s having an extra piece of pie or picking up something personal, while shopping for others. We tend to let ourselves slide a bit here an there and rely on our trusty New Year’s resolutions to give us an extra, needed jump start–getting us back on track.

What are some of your resolutions? More customary New Year’s resolutions involve improving health or getting rid of a bad habit. But many don’t realize how your financial health can affect your physical health. As you resolve to make some changes this year, you may want to consider adding one or more credit/debt New Year’s resolutions to your list.

Credit Do’s:

• If your current credit card has a high interest rate, consider transferring your balance to a new card that offers a lower rate. This will help decrease your payments and make paying off high levels of debt easy.
• Make wise decisions about purchasing items you need versus those you simply want. We’ve all used the word “need” to describe something we really just wanted badly. Using your credit card responsibly means recognizing which things you need and which you just want.
• Stay within 30% of your credit limit. A large part of your credit score considers the amount of debt you have. Keeping your balances low helps you maintain a good credit score. Not only that, lower balances are easier to manage than those that are higher.
• Choose a card that offers reward points on your purchases. The Good Sam Visa ^[4] with REC REWARDS lets you earn points ^[6] by using it on every purchase you make, giving you the flexibility someone who travels needs. You can then redeem points ^[7] in a variety of ways and for various categories of products, including gift cards, merchandise, travel, Good Sam exclusives, or even cash back–putting money back into your pocket.

^[8]Have you been using credit in a way that encourages debt? At first, it will take conscious effort on your part, but after making good credit decisions for a few weeks, you’ll find that good spending habits start to come naturally.

Start by selecting just one of these tips to follow. Before you know it, you will be on the road to improved financial health, and the Good Sam Club is here to help! You can transfer an existing card’s balance, and instantly start redeeming points on purchases you already plan to make ^[9] upon approval with the Good Sam Visa ^[10].

Here’s to a healthier 2011, and making your money work for you!

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