Life is unpredictable and ending up in a difficult financial situation due to circumstances beyond our control is not only possible, but very likely to happen to anyone, sooner or later.

This is not to say that we are not responsible for what happens to us; in fact, we are very much the makers of our fortunes and misfortunes, but there are situations that are simply unavoidable, despite how hard we try to keep ourselves on the right path. Falling ill, for example, or losing a job due a sudden economic downturn, or simply making a human mistake cannot be foreseen or prevented despite our best efforts and wishes.

What is Bill Me Later?

Bill Me Later is an online finance/credit company. At the billmelater.com website you can find:

Online Shopping

Exclusive offers

Directory of Online Store Affiliates

Shopping Blog

With Bill Me Later, you can shop through their affiliates and get a 90-day grace period on charges without interests, penalties or late fees, as long as your bill is paid within 90 days.

You’ll receive a statement monthly after each purchase. The first two will show a minimum balance of zero, which means that you don’t have to make a payment now. Your statement will also show you accruing interest but that will only be applied (retroactively) if you don’t pay within 90 days.

What can we do about it? First of all, we owe it to ourselves to listen to our inner wisdom. Leading psychologists suggest that there is a very practical way to do so: talking to ourselves in the mirror with an open heart and an open mind. It may feel silly, but it may just help.

When you face yourself and start your inner dialogue, you make peace within and you’ll be able to ask all the difficult questions. You’ll be surprised to discover that your inner self already holds the answers you’re seeking.

At the same time, the common money within a country was actually minted coins of gold, silver etc. It is a long story to go into the various devaluations of these coins by blending them with cheaper metals thus creating of currency from them. Needless to say, throughout history, the collapse of all great nations and countries began whenever a country or government devalued money and then its currency. How is this done? Quite simply by creating currency out of thin air that is not backed by Gold or Silver. This is known as “Fiat Currency” and it is only ever worth something while the government has the ability to pay its debts. If the population loses faith in their government, history has shown us time and time again that people fall back on real money, Silver and Gold. Think it can’t happen today? Who knows? However, these sure are interesting times.

But what if I can’t pay within 90 days?

One recent statement from billmelater.com showed an interest rate of 19.99%. This interest rate is higher than most MasterCard, Visa and American Express accounts and about the same or lower than many store credit cards.

Here’s what Bill Me Later users like about this online service:

The 90-day grace period (#1)

Special deals

Simple, uncluttered web page that is easy to use

Saving money when making travel arrangements

For disciplined shoppers, Bill Me Later can allow you to shop now with no interest for days. As long as you pay the balance off within 90 days, you’ll save money on interest and avoid credit card fees. Bill Me Later can help you get started on your holiday shopping and help you keep the “Happy” in the New Year

Resource Author Francisco Rodriguez Higueras
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