A Few Ways To Make Sure Your Personal Finances Are In Order

Personal Finances

There are tons of people out there that don’t manage their Personal Finances right. Do you think you are in control of your finances? Well, you can now. Because you have landed on this article, you are going to figure out how to take care of your finances. Follow these simple steps to financial health.

  • When renting a home with a boyfriend or girlfriend, never rent a place that you would not be able to afford on your own. There may be circumstances like losing a job or breaking up that might leave you in the position of paying the entire rent by yourself.
  • Repairing your credit can lead to paying less money in interest. A lower credit score means higher interest rate on your credit cards and other loans, which means you end up paying more in finance charges and interest. Repair your score and drop these rates in order to save more money.
  • Don’t bother with store credit cards. Store cards have a bad cost/benefit calculation. If you pay on time, it won’t help your credit all that much, but if a store account goes to collections, it will impact your credit history just as much as any other default. Get a major credit card for credit repair instead.
  • Make a plan of what you hope to achieve Personal Finances in the future, so that you have some goals to aim for. The use of a plan will provide motivation, as well a logical reason to put money in certain places, rather than following your impulses at random times.
  • A great tip for anyone interested in finding extra money each month to put toward existing debts is to make a habit each day of emptying your pockets or purse of change received during cash transactions. It may seem like a small thing, but you will be amazed by how much money actually accumulates over time, and you may find yourself paying down that stubborn credit card balance faster than you ever thought possible.
  • Change your cell phone plan. When you sign up to an expensive monthly cell phone plan you can end up paying for talk minutes that don’t use. So, the next time your cell phone contract is due for renewal consider switching to a cheaper plan and you could save $20 a month or more.
  • To pay your mortgage off a little sooner, just round up the amount you pay every month. Most companies allow additional payments of any amount you choose, so there is no need to enroll in a program such as the bi-weekly payment system. Many of those programs charge for the privilege, but you can just pay the extra amount yourself along with your regular monthly payment.
  • One of the tips to maximizing your personal finances is to buy or make a coin jar in your house. Put this jar in your kitchen so that you can empty all of the loose change into the jar each day. Over time, this will add up as you should bank hundreds of dollars.
  • Look into all of the services which your bank offers online, like alerts. Most banks will inform you via email or text message when certain changes happen to your account. You can stay alert to the possibilities of identify theft and overdraft, for instance, by ordering alerts for large withdrawals and low balances.
  • Bonds are a very stable and solid investment that you can make if you want to plan for the future. These forms of investments are purchased at a fraction of what they will be worth in the future. Invest in bonds if you want to earn a solid payback in the future upon maturity.
  • If you are a college student, make sure that you sell your books at the end of the semester. Often, you will have a lot of students at your school in need of the books that are in your possession. Also, you can put these books online and get a large percentage of what you originally paid for them.

Now that you’re able to see how you can do better in the future with you Personal Finances, the future should seem more bright. Look objectively at your finances, implement the tips suggested and you will bring yourself to sounder financial footing.

Also Read : Mepco Bill Duplicate Online | Get Your Bill Print Now

What is FPA in Lesco Electricity Bill – All You Should Know

FPA in lesco

Lesco is one of the electricity providers in nearby cities of Lahore which includes Lahore, Sheikhupura, Okara and Kasur. Every month you receive a bill from lesco have you ever wondered what is FPA in Lesco Bill?

What is FPA in Lesco Electricity Bill?

FPA stands for fuel price adjustment and this price is added to every bill your receive by lesco or any other company. This price changes from months to months and it also depends upon fuel prices currently in the country.

FPA Rates

Here you can see the FPA rates which are used and you can get a reference from the image below.

fpa rates

Now if in simple words you had a bill of 1000 RS and 400 is the FPA this means the amount spend on fuel for producing this electricity is the FPA.

Normally Lesco charges you around 1.881 /KWh  net FPA on the bill.

How To Get Electricity

We get electricity in four steps. The first step is the generation where electricity is produced now this can be any process either using fuel or thermal or solar energy. The second step is transmission in this processing electricity is transmitted within the country using towers.

The third step is a distribution to houses and the last step is utilization according to the need for a house.

Hidden Charges

Along with normal charges, there are also other charges which you had to pay with your bill includes E.D, TV Fee, GST and some more.

Lesco Bill Duplicate Online

Ufone Net Package Code – Get Your Internet Today

Ufone Net Package Code

Ufone made our life easy by giving us so many options. If you don’t have internet access you can get Ufone Net Package Code as you want to subscribe to the internet bundle or you want to check the remaining balance of your package then Ufone provides you with this code service.

  • Ufone can perform following operations through code:

Ufone Number Check Code

Now you can check your Ufone number without having balance or without having internet access.

Ufone sim no check code *780*3#
Ufone number code *1#
Balance required Nill


Ufone Balance Check Code

You can check your sim balance if you are prepaid users in just Rs 0.12 + tax by dialling *124#


Ufone Advance Code

Ufone provides you with this service so you can use this in your hard time. By dialling *446# you can get the loan of Rs 20 if your balance is less then Rs 11. You will be charged extra Rs 4.40 + 20 on the next recharge.


Ufone Internet Packages

It’s difficult to memorize all the codes, but we are providing you all codes so you can subscribe to any package by just dialling codes.

To subscribe     Daily Heavy Bucket           dial *8042#

To subscribe     Special Daily Bucket          dial *810#

To subscribe     Mega Internet Bucket      dial *5501#

To subscribe     Daily Light Bucket             dial *804#

To subscribe     3 day bucket                      dial*3350#

To subscribe     Weekly Light Bucket         dial *7811#

To Subscribe     Weekly Heavy Bundle      dial *7815#

To Subscribe     Monthly 1 GB Bucket       dial *7807#

To Subscribe     Monthly 3 GB Bucket       dial *803#

To Subscribe     Monthly 10 GB Bucket     dial *5100#


Ufone SMS Package

if you don’t know how to subscribe SMS bundle by code then see the below table.

Daily package Send sub to 605
Unlimited package 607
Yearly sms package 601
Uth daily sms package 612
Weekly sms package 608
Night package 609
45 day sms bundle 614
Uth sms FnF package 604


Social Media Bundle:

If you want to subscribe to just to social bundle then you are in right place.

To subscribe social daily bundle dial *4242#

To subscribe to social monthly bucket dial *5858#

Ufone provides so many options just to keep their customer happy. These packages are more affordable to every Ufone user and also cheaper than many other internet packages.


Ufone General Codes

you can check other general options by dialling the below code.

Bill inquiry *129#

Ufone provides all these codes so if you don’t have one option to perform some operation, you can choose the second one easily.