In February I fractured my spine, and as I approach my 50th birthday, put away my summer clothes, and begin preparations for the approaching holiday season, I have been reflecting and taking stock of the things that are truly important, and looking at ways to organize and simplify my life.
I run my own business, I’m in the process of starting another business, I keep my 16-month-old grandson four days a week, and I travel frequently for work. In short…I’m busy! Keeping up with what is due when, and from which bank account is not always on the forefront of my mind, and although I’d like to say I pay all my bills on time, unfortunately, that’s not always the case. Anything I can do to simplify my life is a plus. A card with no late fees? Bonus!
When you consider credit card late fees typically start at $15 and can be as high as $35 per missed payment, late fees can really add up. Citi Simplicity is the ONLY card that never charges late fees, a penalty rate or an annual fee – EVER.
Citi Simplicity also allows cardmembers to choose their own payment due date – a huge benefit for someone like me who gets paid once a month.
Juggling two businesses and a toddler means my days can get pretty hectic, and there are times I go days (okay weeks) without checking my mail, only to discover I’ve forgotten to pay a utility bill, leaving me to scramble to get it paid before it’s cut off. To eliminate this headache once and for all, I’ve now set up automatic bill payment on many of my utility bills. And for the bills not set up for automatic payment? I get reminders via email. For companies that don’t offer reminders, free services like Google Calendar allow you to set your own reminders by entering your monthly bill dates.
Keeping up with expenses can be a real challenge with multiple businesses, but even if the only business you run is your household, you can take the headache out of organizing receipts by using online services, mobile apps, or receipt scanning software.
One final tip as we approach the holiday season: If you’ve ever been frustrated by buying a gift, only to have the price drop after your purchase, Citi Price Rewind offers a solution. When you buy and register an eligible item with your Citi credit card, Citi will search retailers’ sites for lower prices. Save your credit card receipt each time you shop. If Citi finds your item at least $25 lower than what you paid within 30 calendar days, you can get the difference in price back, up to $250. The average refund is $80.
To learn more visit http://www.citi.com/pricerewind
Let us know your tips and strategies for conquering lateness, and you could win a 16GB tablet computer. See the complete rules below for other ways to enter.
Sweepstakes
Abbreviated Rules
The Conquering Lateness Sweepstakes (“Sweepstakes”) is open to legal US Residents, age 18 or older. Void where prohibited. Sweepstakes ends 5pm (PST) on October 24, 2013. The Official Rules are available here. No purchase necessary.
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Be sure to visit the Citi brand page on BlogHer.com where you can learn more about conquering lateness!