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Living as modern moms in today's fast changing world require ever expanding horizon and perspective.

Today's Moms are faced with many challenges from managing household issues, financial decisions, parenting, to preparing proper nutrition for the whole family.

This blog is dedicated to every hard working, creative, problem solver, smart, and genius Mom in the world.

Living to make their families happier with a long term vision of building a beautiful legacy to the next generation
To become the Best Mom in the world doesn't always require you to spend lots of money.

All you need to do is simply investing more love and care to your loved ones.

In addition to that all you need to become the smart parent are proper guidance and resources to help you determine which decisions to take.

We at Genius Mom are glad to help you by providing high quality information to aid you in the journey of becoming the Best Mom for your family.

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How Credit Cards Help You In Saving Something

Credit cards are there for a long time and everyone is aware of the benefits it provides. When you go on shop and run short of cash, it is the credit card that let you still shop without paying the cash. In fact the credit card, which is the plastic money has become the conventional way of paying the bills and shopping expenses in one’s life.
So the question here is: whether your credit cards help you in saving something?
The possible answer to this is; yes, the plastic money can let you save money. Let’s see how:
1.    0% Balance Transfers:
As you know that plastic cards have become the member of your family and it is one which satisfy your all wants. The need is to lessen down the interest rate which you are paying by using those cards, try to shift on that credit card companies who are offering the less or no interest rate. 0% interest is charged during first few months and than 16.1% interest has to be paid instead of 19%. This difference can save you almost 2.9% of your money.
2.    Lower Interest Rates:
If you are looking for buying the credit card try to opt for that card which is costing you lower interest rate without charging any fees annually.
You can save your money on buying the less expensive products but what will be the use if you pay the higher interest rates. So better is to save the money on paying the low interest rates. Find those companies which charge you less and charge no annual fees.
3.    Rewards Program:
Introduction of reward point systems and cash back offers now let you avail the 5% off on your purchases even though you have low balance in your account. In fact, cash rebates up to 5% can be availed by shopping at the grocery stores, gas stations and other convenience stores. This can be applied with your bill automatically. So you can save by availing these facilities.
4.    Maximizing the Experience:
A sensible person will always try to grab the best deals offered by the credit card companies and cautiously avail them. Try to get benefit from these offers and avoid seeing the drawbacks only.
In order to save the money on your credit cards, try to read all the terms and conditions mentioned, before buying one for you. Try to learn that what the penalty will be in case of late payments and compare it with the other company’s policies. This may save you from paying the higher charges.
Do not ever forget your main goal that is saving but at the same time do not compromise every time in spending money on shopping.