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Cash Flow:
Cash Flow:
A lot of companies might not like this but finance 101 states that you should put off paying your bills until they are absolutely due. This means not paying until interest will begin to accrue. This applies to all the bills you get in the mail. Even if your are just consistently a month behind the due dates, you benefit by being able to use the money by floating the amounts due. In theory the benefit is the current interest rates. But in real life, it helps to free up your capital (similar to a just in time inventory practice). Floating by a month or two is still within most company's limit so they will not ding your TRW.
Another controversial practice is transferring your credit card balance each month to a different card. This avoids the interest charges that can really add up if you carry a balance. A lot of cards offer introductory rates that are very low. If you can find a card that has a low fixed rate, it can save you all the hassle of transferring.
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