Mint: Money Manager, Bills, Credit Score & Budgeting, it finance.#It #finance


How do you measure up?

The average credit score for Mint users is 705 (national avg. is 673*). Check yours for free in Mint.

How do you measure up?

The average credit score for Mint users is 705 (national avg. is 673*). Check yours for free in Mint.

How do you measure up?

The average credit score for Mint users is 705 (national avg. is 673*). Check yours for free in Mint.

Budgets? You betcha

Easily create budgets, and see our suggestions based on your spending.

It finance

Bills? Done

Track and pay bills like never before. Get alerts and schedule payments on the spot.

It finance

Credit score? Checked

Find out yours for free and get tips to help improve it, no credit card required.

It finance

It’s all coming together

When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

It’s all coming together

When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

It’s all coming together

When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

Budgets? You betcha

Easily create budgets, and see our suggestions based on your spending.

It finance

Bills? Done

Track and pay bills like never before. Get alerts and schedule payments on the spot.

It finance

Credit score? Checked

Find out yours for free and get tips to help improve it, no credit card required.

It finance

It’s all coming together

Bill pay is now in Mint. Once you’re set up, you’ll love how simple it is to manage bills and money in one place.

It’s all coming together

Bill pay is now in Mint. Once you’re set up, you’ll love how simple it is to manage bills and money in one place.

It’s all coming together

Bill pay is now in Mint. Once you’re set up, you’ll love how simple it is to manage bills and money in one place.

Budget? You betcha

Easily create budgets, and see our suggestions based on your spending.

It finance

Bills? Done

Track and pay bills like never before. Get alerts and schedule payments on the spot.

It finance

Credit score? Checked

Find out yours for free and get tips to help improve it, no credit card required.

It finance

Effortlessly stay on top of bills

At last, your bills and money are together in one place and easier than ever to manage. Just add your bills to see how helpful we can be.

  • See bills and money in one place.
  • Get alerts and schedule payments on the spot.
  • Say goodbye to late fees.
  • Stop logging into multiple sites.
  • Deliver payments fast.

It finance

Personalized for you

  • Create budgets that make sense today and set you up for success tomorrow.
  • See bills and money together, so you know what’s due, when it’s due and what you can pay.
  • Receive alerts for unusual account charges, and get custom tips for reducing fees and saving money.
  • Get your free credit score and learn how you can improve it now to get the things you want later.

It finance

Get started simply securely

  • It’s easy to set up your free account in seconds, and help’s available if you should ever need it.
  • We work to keep your information secure. All your data is encrypted with a 256-bit encryption level and the data exchanged with Mint is encrypted with 128-bit SSL.
  • Mint comes from the makers of TurboTax®, trusted by millions every year with their most sensitive data.

It finance

Intuitive features, powerful results

Mint is versatile enough to help anyone’s money make sense without much effort. There’s no wrong way to use it, and nothing to lose getting started. You’ll be surprised how life-changing something so simple can be.

It finance

Budgets that work

Create budgets you can actually stick to, and see how you’re spending your money.

It finance

Money on the go

Phone tablet apps to manage your money from wherever you are.

It finance

One step at a time

Get personalized tips and advice for maximizing your money every day.


Mint: Money Manager, Bills, Credit Score & Budgeting, it finance.#It #finance


How do you measure up?

The average credit score for Mint users is 705 (national avg. is 673*). Check yours for free in Mint.

How do you measure up?

The average credit score for Mint users is 705 (national avg. is 673*). Check yours for free in Mint.

How do you measure up?

The average credit score for Mint users is 705 (national avg. is 673*). Check yours for free in Mint.

Budgets? You betcha

Easily create budgets, and see our suggestions based on your spending.

It finance

Bills? Done

Track and pay bills like never before. Get alerts and schedule payments on the spot.

It finance

Credit score? Checked

Find out yours for free and get tips to help improve it, no credit card required.

It finance

It’s all coming together

When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

It’s all coming together

When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

It’s all coming together

When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

Budgets? You betcha

Easily create budgets, and see our suggestions based on your spending.

It finance

Bills? Done

Track and pay bills like never before. Get alerts and schedule payments on the spot.

It finance

Credit score? Checked

Find out yours for free and get tips to help improve it, no credit card required.

It finance

It’s all coming together

Bill pay is now in Mint. Once you’re set up, you’ll love how simple it is to manage bills and money in one place.

It’s all coming together

Bill pay is now in Mint. Once you’re set up, you’ll love how simple it is to manage bills and money in one place.

It’s all coming together

Bill pay is now in Mint. Once you’re set up, you’ll love how simple it is to manage bills and money in one place.

Budget? You betcha

Easily create budgets, and see our suggestions based on your spending.

It finance

Bills? Done

Track and pay bills like never before. Get alerts and schedule payments on the spot.

It finance

Credit score? Checked

Find out yours for free and get tips to help improve it, no credit card required.

It finance

Effortlessly stay on top of bills

At last, your bills and money are together in one place and easier than ever to manage. Just add your bills to see how helpful we can be.

  • See bills and money in one place.
  • Get alerts and schedule payments on the spot.
  • Say goodbye to late fees.
  • Stop logging into multiple sites.
  • Deliver payments fast.

It finance

Personalized for you

  • Create budgets that make sense today and set you up for success tomorrow.
  • See bills and money together, so you know what’s due, when it’s due and what you can pay.
  • Receive alerts for unusual account charges, and get custom tips for reducing fees and saving money.
  • Get your free credit score and learn how you can improve it now to get the things you want later.

It finance

Get started simply securely

  • It’s easy to set up your free account in seconds, and help’s available if you should ever need it.
  • We work to keep your information secure. All your data is encrypted with a 256-bit encryption level and the data exchanged with Mint is encrypted with 128-bit SSL.
  • Mint comes from the makers of TurboTax®, trusted by millions every year with their most sensitive data.

It finance

Intuitive features, powerful results

Mint is versatile enough to help anyone’s money make sense without much effort. There’s no wrong way to use it, and nothing to lose getting started. You’ll be surprised how life-changing something so simple can be.

It finance

Budgets that work

Create budgets you can actually stick to, and see how you’re spending your money.

It finance

Money on the go

Phone tablet apps to manage your money from wherever you are.

It finance

One step at a time

Get personalized tips and advice for maximizing your money every day.


Department of Finance, it finance.#It #finance


Browse Topics

It finance

An independent review of the PGPA Act and the accompanying Public Governance, Performance and Accountability Rule 2014 (PGPA Rule) is currently underway, in accordance with section 112 of the Act. The review is being undertaken by Mr David Thodey AO and Ms Elizabeth Alexander AM.

  • New Travel Accommodation Arrangement

    The Department of Finance, on behalf of the Commonwealth, has reappointed AOT Hotels Ltd as the sole provider of accommodation program management services for the next three years, with options to extend for a further three years.

  • New Stationery and Office Supplies Panel

    The Department of Finance, on behalf of the Commonwealth, has appointed a new Stationery and Office Supplies Panel to provide savings through competitive pricing and conditions.

  • GrantConnect, the Commonwealth Government’s whole-of-government grant information system is now live.
  • Amended Commonwealth Procurement Rules to commence 1 March 2017
  • New Major Office Machines PanelIt finance
  • The Department of Finance, on behalf of the Commonwealth, has appointed a new Major Office Machines (MOMs) panel to provide more competitive purchase, lease and maintenance costs. Also see the MOMs webpage.
  • New Government Air Travel Services PanelIt finance

    The Department of Finance on behalf of the Commonwealth, has established a new panel to provide international and domestic air travel for the Australian Government.

  • 2016 Australian Government ICT Awards – Nominations now open

    Nominations are open now and will close 11.00 pm (AESDT) on Monday 29 February 2016. The Awards will be presented at the CeBIT Gala Dinner and Awards in Sydney on Tuesday 3 May 2016.

  • Discussion Paper – Shared and Common Services ProgrammeIt finance

    The Discussion Paper seeks the views of interested parties on the most effective and efficient way to consolidate shared and common service delivery in a manner that represents value for money to Government.

  • Latest Publications

    It finance

    The Government tabled its response to the Committee’s Report on Tuesday 14 November 2017.

  • Australian Government Monthly Financial Statements September 2017 (27/10/2017)

    The underlying cash balance for the 2017-18 financial year to 30 September 2017 was a deficit of $17,285 million.

  • Department of Finance Annual Report 2016—17 (20/10/2017)

    The Department of Finance Annual Report 2016—17 has been released in both web and PDF formats.

  • Australian Government Monthly Financial Statements July and August 2017 (13/10/2017)

    The underlying cash balance for the 2017-18 financial year to 31 August 2017 was a deficit of $8,784 million.

  • Department of Finance Corporate Plan 2017-18 (31/08/2017)

    The Flipchart sets out the information Finance has on the status of Commonwealth entities and companies at a particular date.

  • Australian Government Monthly Financial Statements May 2017 (30/06/2017)

    The underlying cash balance for the 2016-17 financial year to 31 May 2017 was a deficit of $30,427 million.

  • Parliamentarians’ Reporting (22/06/2017)

    – Parliamentarians’ Expenditure – Period 1 July to 31 December 2016

    – Former Parliamentarians’ Expenditure – Period 1 July to 31 December 2016

    – Parliamentarians’ Certification Details – Period 1 July to 31 December 2016

    – Former Parliamentarians’ Certification Details – Period 1 July to 31 December 2016

    – Office Costs – Period 1 July to 31 December 2016

    The underlying cash balance for the 2016-17 financial year to 30 April 2017 was a deficit of $36,078 million.

  • Australian Government Monthly Financial Statements March 2017 (5/05/2017)

    The underlying cash balance for the 2016-17 financial year to 31 March 2017 was a deficit of $38,907 million.

  • Australian Government Monthly Financial Statements February 2017 (31/03/2017)

    The Finance Minister’s report on AFMs issued in 2015-16 was tabled in Parliament.

  • 2017-18 Portfolio Budget Statements guidance (16/03/2017)

    The underlying cash balance for the 2016-17 financial year to 31 January 2017 was a deficit of $44,029 million.

  • Senate Order 12 – Production of Departmental File Lists (14/02/2017)

    The underlying cash balance for the 2016-17 financial year to 31 December 2016 was a deficit of $33,025 million.

  • RMG 200 – Guide to the PGPA Act for accountable authorities(AAs)

    The guide to the PGPA Act for accountable authorities is now available. This guide provides a summary of responsibilities for AAs under the PGPA Act.

  • Commonwealth Consolidated Financial Statement 2015-2016

    The underlying cash balance for the 2015-16 financial year was a deficit of $43,583 million.

  • RMG 206 – Model accountable authority instructions (AAIs)

    Updated Model accountable authority instructions (AAIs) for corporate Commonwealth entities (CCEs) are now available. The Model AAIs have been streamlined and improved.

  • Australian Government ICT Trends Report 2015-16
  • 2016-17 Portfolio Additional Estimates Statements (14/12/2016)

    The 2016-17 Portfolio Additional Estimates Statements guidance was issued on 13 December 2016.

    • Australian Government Monthly Financial Statements October 2016 (25/10/2016)

      The underlying cash balance for the 2016-17 financial year to 31 October 2016 was a deficit of $24,548 million.


    Business News & Financial News, Reuters, it finance.#It #finance


    Business

    It finance

    German growth surprise lifts Europe as China subdues Asia

    It finance

    Home Depot profit beats as hurricanes spur demand

    It finance

    SoftBank says considering investment in Uber but no final agreement reached

    It finance

    Shrinking GE rattles investors, shares hit 5-year low

    It finance

    China’s foreign ownership cap change may stir interest in smaller banks: Fitch

    Fed chief says policy guidance beneficial but must be conditional

    Silicon Valley blasts Senate proposal to tax startup options

    GE says plans new wind farms in Finland, Sweden

    Tesco wins UK regulator’s provisional approval for Booker takeover

    Kuwait airline in draft deal for 25 Airbus A320neo jets

    Business Video

    Softbank weighs up $10 bln investment in Uber

    GE’s turnaround plan met with investor slap down

    GE to focus on 3 businesses

    MORE BUSINESS NEWS

    SPONSORED STORIES

    Reuters is the news and media division of Thomson Reuters. Thomson Reuters is the world’s largest international multimedia news agency, providing investing news, world news, business news, technology news, headline news, small business news, news alerts, personal finance, stock market, and mutual funds information available on Reuters.com, video, mobile, and interactive television platforms.

    *All quotes delayed a minimum of 15 minutes. See here for a complete list of exchanges and delays.


    Mint: Money Manager, Bills, Credit Score & Budgeting, it finance.#It #finance


    How do you measure up?

    The average credit score for Mint users is 705 (national avg. is 673*). Check yours for free in Mint.

    How do you measure up?

    The average credit score for Mint users is 705 (national avg. is 673*). Check yours for free in Mint.

    How do you measure up?

    The average credit score for Mint users is 705 (national avg. is 673*). Check yours for free in Mint.

    Budgets? You betcha

    Easily create budgets, and see our suggestions based on your spending.

    It finance

    Bills? Done

    Track and pay bills like never before. Get alerts and schedule payments on the spot.

    It finance

    Credit score? Checked

    Find out yours for free and get tips to help improve it, no credit card required.

    It finance

    It’s all coming together

    When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

    It’s all coming together

    When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

    It’s all coming together

    When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

    Budgets? You betcha

    Easily create budgets, and see our suggestions based on your spending.

    It finance

    Bills? Done

    Track and pay bills like never before. Get alerts and schedule payments on the spot.

    It finance

    Credit score? Checked

    Find out yours for free and get tips to help improve it, no credit card required.

    It finance

    It’s all coming together

    Bill pay is now in Mint. Once you’re set up, you’ll love how simple it is to manage bills and money in one place.

    It’s all coming together

    Bill pay is now in Mint. Once you’re set up, you’ll love how simple it is to manage bills and money in one place.

    It’s all coming together

    Bill pay is now in Mint. Once you’re set up, you’ll love how simple it is to manage bills and money in one place.

    Budget? You betcha

    Easily create budgets, and see our suggestions based on your spending.

    It finance

    Bills? Done

    Track and pay bills like never before. Get alerts and schedule payments on the spot.

    It finance

    Credit score? Checked

    Find out yours for free and get tips to help improve it, no credit card required.

    It finance

    Effortlessly stay on top of bills

    At last, your bills and money are together in one place and easier than ever to manage. Just add your bills to see how helpful we can be.

    • See bills and money in one place.
    • Get alerts and schedule payments on the spot.
    • Say goodbye to late fees.
    • Stop logging into multiple sites.
    • Deliver payments fast.

    It finance

    Personalized for you

    • Create budgets that make sense today and set you up for success tomorrow.
    • See bills and money together, so you know what’s due, when it’s due and what you can pay.
    • Receive alerts for unusual account charges, and get custom tips for reducing fees and saving money.
    • Get your free credit score and learn how you can improve it now to get the things you want later.

    It finance

    Get started simply securely

    • It’s easy to set up your free account in seconds, and help’s available if you should ever need it.
    • We work to keep your information secure. All your data is encrypted with a 256-bit encryption level and the data exchanged with Mint is encrypted with 128-bit SSL.
    • Mint comes from the makers of TurboTax®, trusted by millions every year with their most sensitive data.

    It finance

    Intuitive features, powerful results

    Mint is versatile enough to help anyone’s money make sense without much effort. There’s no wrong way to use it, and nothing to lose getting started. You’ll be surprised how life-changing something so simple can be.

    It finance

    Budgets that work

    Create budgets you can actually stick to, and see how you’re spending your money.

    It finance

    Money on the go

    Phone tablet apps to manage your money from wherever you are.

    It finance

    One step at a time

    Get personalized tips and advice for maximizing your money every day.


    Business News & Financial News, Reuters, it finance.#It #finance


    Business

    It finance

    German growth surprise lifts Europe as China subdues Asia

    It finance

    Home Depot profit beats as hurricanes spur demand

    It finance

    SoftBank says considering investment in Uber but no final agreement reached

    It finance

    Shrinking GE rattles investors, shares hit 5-year low

    It finance

    China’s foreign ownership cap change may stir interest in smaller banks: Fitch

    Fed chief says policy guidance beneficial but must be conditional

    Silicon Valley blasts Senate proposal to tax startup options

    GE says plans new wind farms in Finland, Sweden

    Tesco wins UK regulator’s provisional approval for Booker takeover

    Kuwait airline in draft deal for 25 Airbus A320neo jets

    Business Video

    Softbank weighs up $10 bln investment in Uber

    GE’s turnaround plan met with investor slap down

    GE to focus on 3 businesses

    MORE BUSINESS NEWS

    SPONSORED STORIES

    Reuters is the news and media division of Thomson Reuters. Thomson Reuters is the world’s largest international multimedia news agency, providing investing news, world news, business news, technology news, headline news, small business news, news alerts, personal finance, stock market, and mutual funds information available on Reuters.com, video, mobile, and interactive television platforms.

    *All quotes delayed a minimum of 15 minutes. See here for a complete list of exchanges and delays.


    Mint: Money Manager, Bills, Credit Score & Budgeting, it finance.#It #finance


    How do you measure up?

    The average credit score for Mint users is 705 (national avg. is 673*). Check yours for free in Mint.

    How do you measure up?

    The average credit score for Mint users is 705 (national avg. is 673*). Check yours for free in Mint.

    How do you measure up?

    The average credit score for Mint users is 705 (national avg. is 673*). Check yours for free in Mint.

    Budgets? You betcha

    Easily create budgets, and see our suggestions based on your spending.

    It finance

    Bills? Done

    Track and pay bills like never before. Get alerts and schedule payments on the spot.

    It finance

    Credit score? Checked

    Find out yours for free and get tips to help improve it, no credit card required.

    It finance

    It’s all coming together

    When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

    It’s all coming together

    When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

    It’s all coming together

    When you’re on top of your money, life is good. We help you effortlessly manage your finances in one place.

    Budgets? You betcha

    Easily create budgets, and see our suggestions based on your spending.

    It finance

    Bills? Done

    Track and pay bills like never before. Get alerts and schedule payments on the spot.

    It finance

    Credit score? Checked

    Find out yours for free and get tips to help improve it, no credit card required.

    It finance

    It’s all coming together

    Bill pay is now in Mint. Once you’re set up, you’ll love how simple it is to manage bills and money in one place.

    It’s all coming together

    Bill pay is now in Mint. Once you’re set up, you’ll love how simple it is to manage bills and money in one place.

    It’s all coming together

    Bill pay is now in Mint. Once you’re set up, you’ll love how simple it is to manage bills and money in one place.

    Budget? You betcha

    Easily create budgets, and see our suggestions based on your spending.

    It finance

    Bills? Done

    Track and pay bills like never before. Get alerts and schedule payments on the spot.

    It finance

    Credit score? Checked

    Find out yours for free and get tips to help improve it, no credit card required.

    It finance

    Effortlessly stay on top of bills

    At last, your bills and money are together in one place and easier than ever to manage. Just add your bills to see how helpful we can be.

    • See bills and money in one place.
    • Get alerts and schedule payments on the spot.
    • Say goodbye to late fees.
    • Stop logging into multiple sites.
    • Deliver payments fast.

    It finance

    Personalized for you

    • Create budgets that make sense today and set you up for success tomorrow.
    • See bills and money together, so you know what’s due, when it’s due and what you can pay.
    • Receive alerts for unusual account charges, and get custom tips for reducing fees and saving money.
    • Get your free credit score and learn how you can improve it now to get the things you want later.

    It finance

    Get started simply securely

    • It’s easy to set up your free account in seconds, and help’s available if you should ever need it.
    • We work to keep your information secure. All your data is encrypted with a 256-bit encryption level and the data exchanged with Mint is encrypted with 128-bit SSL.
    • Mint comes from the makers of TurboTax®, trusted by millions every year with their most sensitive data.

    It finance

    Intuitive features, powerful results

    Mint is versatile enough to help anyone’s money make sense without much effort. There’s no wrong way to use it, and nothing to lose getting started. You’ll be surprised how life-changing something so simple can be.

    It finance

    Budgets that work

    Create budgets you can actually stick to, and see how you’re spending your money.

    It finance

    Money on the go

    Phone tablet apps to manage your money from wherever you are.

    It finance

    One step at a time

    Get personalized tips and advice for maximizing your money every day.


    IT Finance Solutions – Centrepoint Finance #finance #on #cars


    #it finance

    #

    IT Finance Solutions

    Centrepoint Finance specialises in cost effective, innovative finance solutions to assist business clients with the purchase of computer equipment and/or software. So whether you need to replace your out of date IT equipment / software or upgrade systems to win a new contract; Centrepoint Finance can arrange you with an IT finance solution to suit your needs.

    Total Solution Funding

    Our total solution funding package, allows you to finance all elements of an IT spend or upgrade; ensuring one simple monthly repayment covers all aspects of the project, regardless of the software vendor or hardware manufacturer.

    What can I fund?

    Centrepoint Finance can arrange funding for hardware and/or software.

    • Hardware: all elements including servers, monitors, printers, laptops and desktops can be funded.
    • Software: the majority of banks in Australia are unable to offer a true software finance facility; instead they simply extend an overdraft to cater for your needs. Unfortunately this has none of the tax benefits that a true software lease facility offers, but more importantly your overdraft has no specified end date as the credit is a revolving facility with variable interest rates. This is not the case with our fixed term funding options.

    Types of Funding Solutions

    There are a number finance options available to give you the flexibility and choice to suit your needs.

    Clients often tend to have on-going finance requirements, and with this in mind a master agreement can be used to purchase items as and when they are required, without the need to re-apply for a new finance facility each time a purchase is made.

    Once you have decided what level of finance you require and it has been approved, Centrepoint Finance will then secure this amount as a line of credit for future use. The master agreement is signed and funds are drawn when required. You only pay for what you use. Repayments are made on a monthly basis and can be setup to cover all transactions or individual purchases.

    Rental is a popular option among purchasers of computer or security equipment due to its flexibility and financial benefits. It is used widely for equipment with a high obsolescence factor. At the end of the rental period, you have the option to: make an offer to purchase the equipment, upgrade to the latest technology, hand the equipment back or may continue to rent at a reduced payment.

    Rental payments are generally tax deductible if the equipment is used for business purposes and are usually considered off balance sheet liabilities. GST is payable on the base rental amount and can generally be claimed by the customer as an input tax credit. Clients should seek their own accounting advice for all taxation matters.

    Commercial Hire Purchase

    With a commercial hire purchase borrowers are required to make a series of payments to the financier who owns the asset until the last payment is made when the ownership transfers to the borrower. The Goods subject to a Commercial Hire Purchase contract cannot be upgraded during the term of the contract. Clients should seek their own accounting advice for all taxation matters.

    Chattel mortgage is a loan where ownership remains with the borrower. The borrower claims depreciation on the equipment and interest paid is generally tax deductible. The Goods secured by a Chattel Mortgage may be substituted with the approval of the lender. Clients should seek their own accounting advice for all taxation matters.

    Software Only Finance

    Unlike many other finance companies, Centrepoint Finance is able to arrange finance for the purchase of systems with a high percentage of software and intangibles, even up to 100% of the total cost. Terms and conditions apply.

    For further product information contact us.

    Benefits

    IT Finance solutions have many great benefits which include:

    • Easy application. we can arrange finance for any amount your require. The minimum amount we can finance is $5,000 and for transactions under $35,000 we offer a no financials option subject to credit approval.
    • Overcoming costs objections: we offer payment terms and structures to suit your requirements.
    • The chance to free up valuable working capital
    • Tailored IT finance solution. the Centrepoint Finance team will assist you to ensure your financing requirements are designed to suit your needs

    Is it better to buy a computer on my credit card, or on credit from the computer store? Personal Finance – Money Stack Exchange #regional #finance


    #finance a computer

    #

    Since you have a credit card, I recommend you use it for the purchase.

    It gets you two things at the very least:

    Gets the purchases reported as credit utilization. If you handle that correctly, you can improve your score

    Most card vendors give free extended warranty and return policies that a retailer or manufacturer does not without extra fees.

    I buy all my electronics using my cards and not only does that optimize my scores but I have been able to enjoy painless/better RMAs for defective products just because my AmEx card would have refunded me the money anyways and the retailers knew it (AmEx would have recovered it from them in the end so it was in their interest to resolve the matter within 30 days)

    answered Mar 30 ’12 at 16:50

    As far as the money goes, it all comes down to the terms. What is going to cost you the least? Look for hidden fees and costs with the store credit. You will need to read the fine print of the credit agreement some automatically sign you up for a service that will cost you extra money every month.

    Compare what the costs are going to be over the term you will pay it off.

    A good calculator to help you figure this out is http://www.amortization-calc.com/ It is designed with larger loans but works for smaller loans too.

    Realize that you will have to add fees and finance charges into the total loan amount to get a good comparison.

    ** Unless you NEED a computer you should wait until you can afford to pay for it. Charging these types of expenses tends to lead down to a pit of debt that is hard to get out of. Wanting a computer really bad is not the same as a need.