Monthly Archives: February 2017

Credit Card Debt: 4 Reasons Many People Get Into It

Although it’s more convenient buying items using your credit cards, it can really land you into many debts if you are not careful. In fact, the number of people who have accumulated personal debts due to credit cards is increasing. However, you need to understand that having problems with credit card debt does not always mean you are irresponsibly spending money. Some people just see their credit card balances bloat even without understanding their interest rates and credit terms. To avoid such credit card pitfalls in future, you need to understand why huge credit card debts arise.

having problems with credit card debt

Misusing Your Credit Card

Missing credit card payments or failure to pay bills on time can harm you in a number of ways. To begin with, it can lower your credit score, attract penalties and even increase your interest rates. If you don’t watch this trend, your interest rates may continue increasing and chances of being denied credit in the future could be high. If you use credit cards to pay your bills, you should not use them for other purposes since this may lead to unanticipated credit card debt issues.

Income Loss

Losing a job is one of the most frustrating things you can experience especially if you are the sole breadwinner in a family. It actually makes some people to unwillingly max out or run up their credit cards. While avoiding this may not be possible to most people who abruptly go jobless, there is debt to deal with once they get on their feet again. The greatest mistake one can make when this happens is dismissing the debt interest since it may attract credit card debt problems, which may not be easy to deal with.

Unforeseen Expenses and Emergencies

According to a recent report, gambling, underemployment, divorce and medical bills are some of the unforeseen expenses that lead to huge credit card debts. In fact, this is the reason most people create emergency funds to use in situations of unplanned financial stress. Others purchase disability income insurance policy to avoid debt problems in case they are unable to work. If you get insured against unforeseen expenses and emergencies, you would not be among those having problems with credit card debt.

No Budget

People who earn more than they spend think they don’t need a budget to guide them in the way they spend their finances. Budgets are not only good in setting spending limits, they are also good in tracking and planning the money you spend. With good tracking and planning, you can spot problems and control them before they become a challenge. Spending your money on discretionary electronics, furniture, music purchases, nail and hair treatment, entertainment and dining out without a budget is a grievous mistake. Having a good budget and following it is one of the effective home-based credit and debt solutions you can have.

From the above, you can learn that having a credit card to use is a good idea as long as you are using it the right way. On the other hand, using your credit card wrongly could be the main reason you are having problems with credit card debt. This article has elaborated the reasons most people struggle with some debts they can’t even understand how they came about.

The Use Of Geometric Shapes In Website And Logo Design

A very interesting post shared on tells how logos can be best designed by geometry, and how world-famous  brands have also got their logos designed using common geometric shapes. The post dated 24 Jun’16 by Bhavya M tells about the success stories of geometry-based shapes, and how they can influence the image of the brand. This is something which current-day graphic and logo designers should also keep in mind while designing logos for labels. And, if you are a logo design Melbourne company, then you can definitely get in-depth details of why the logos need a geometric shape to be more defined.

logo design melbourne

The most interesting observations

The three basic shapes, which are the circle, the triangle and the rectangle are quite dominant in the making of logos. Some of the most famous labels and brands are already using these shapes in their logos. Microsoft and National Geographic are using the square and rectangular shape, and the square is also a form of a rectangle. Google Chrome and Vodafone are famous labels using the round shape in their logo. Then again, the brands Adidas and Google Drive have triangular logos. These are just a few examples showing how much the common shapes are a part of the popular brand logos. Being a logo designer in a logo design Melbourne company, you would also like to get inspired from these hit trends.

However, use of geometric shapes is not just confined to logo designing, and is equally inspiring in graphics designs. Though any web designer Melbourne has today would emphasize on the use of color dots, dabs, abstract art and patterns, yet these variations too get prominently highlighted when used within or by the periphery of a fixed geometric shape boundary. The use of shapes is, therefore, quite prominent in posters, banners, flyers, brochures, book covers and magazine covers, etc., and also in website designing.

Website designing and use of geometric shapes

The few common geometric shape patterns visible in website designs and used by almost all good companies which offer services of Clark Marketing & Design wide are:

  • The banner on any website is mostly rectangular.
  •  The sliders on websites are rectangular.
  • The promotions or ads by the corners of websites as curled up pages are triangles.
  • The grid-based layout on any website is based on squares or rectangles.
  • Circles are prominently used on web designs as spotlight style, content highlighting or picture posting.

These website designing trends are in, and the services dealing in website design, logo design and affordable SEO Melbourne wide are all following the same.

One of the best practices in graphics and logo design Melbourne firms follow is to use viewer reviews and feedback. The more feedback you collect, the more you will get a clearer idea as to how your designs are being liked or criticized. If you want to act on the criticism, and develop and make changes further, then you may get perfection in style, and this will lead you to become a better logo and graphic designer.