What Is Forex Trading ? – A Definition & Introduction
What is Forex? – The basics…
Basically, the Forex market is where banks, businesses, governments, investors and traders come to exchange and speculate on currencies. The Forex market is also referred to as the ‘Fx market’, ‘Currency market’, ‘Foreign exchange currency market’ or ‘Foreign currency market’, and it is the largest and most liquid market in the world with an average daily turnover of $3.98 trillion.
The Fx market is open 24 hours a day, 5 days a week with the most important world trading centers being located in London, New York, Tokyo, Zurich, Frankfurt, Hong Kong, Singapore, Paris, and Sydney.
It should be noted that there is no central marketplace for the Forex market; trading is instead said to be conducted ‘over the counter’; it’s not like stocks where there is a central marketplace with all orders processed like the NYSE. Forex is a product quoted by all the major banks, and not all banks will have the exact same price. Now, the broker platforms take all theses feeds from the different banks and the quotes we see from our broker are an approximate average of them. It’s the broker who is effectively transacting the trade and taking the other side of it…they ‘make the market’ for you. When you buy a currency pair…your broker is selling it to you, not ‘another trader’.
• A brief history of the Forex market
Ok, I admit, this part is going to be a little bit boring, but it’s important to have some basic background knowledge of the history of the Forex market so that you know a little bit about why it exists and how it got here. So here is the history of the Forex market in a nutshell:
In 1876, something called the gold exchange standard was implemented. Basically it said that all paper currency had to be backed by solid gold; the idea here was to stabilize world currencies by pegging them to the price of gold. It was a good idea in theory, but in reality it created boom-bust patterns which ultimately led to the demise of the gold standard.
The gold standard was dropped around the beginning of World War 2 as major European countries did not have enough gold to support all the currency they were printing to pay for large military projects. Although the gold standard was ultimately dropped, the precious metal never lost its spot as the ultimate form of monetary value.
The world then decided to have fixed exchange rates that resulted in the U.S. dollar being the primary reserve currency and that it would be the only currency backed by gold, this is known as the ‘Bretton Woods System’ and it happened in 1944 (I know you super excited to know that). In 1971 the U.S. declared that it would no longer exchange gold for U.S. dollars that were held in foreign reserves, this marked the end of the Bretton Woods System.
It was this break down of the Bretton Woods System that ultimately led to the mostly global acceptance of floating foreign exchange rates in 1976. This was effectively the “birth” of the current foreign currency exchange market, although it did not become widely electronically traded until about the mid 1990s.
(OK! Now let’s move on to some more entertaining topics!)…
What is Forex Trading?
Forex trading as it relates to retail traders (like you and I) is the speculation on the price of one currency against another. For example, if you think the euro is going to rise against the U.S. dollar, you can buy the EURUSD currency pair low and then (hopefully) sell it at a higher price to make a profit. Of course, if you buy the euro against the dollar (EURUSD), and the U.S. dollar strengthens, you will then be in a losing position. So, it’s important to be aware of the risk involved in trading Forex, and not only the reward.
• Why is the Forex market so popular?
Being a Forex trader offers the most amazing potential lifestyle of any profession in the world. It’s not easy to get there, but if you are determined and disciplined, you can make it happen. Here’s a quick list of skills you will need to reach your goals in the Forex market:
Ability – to take a loss without becoming emotional
Confidence – to believe in yourself and your trading strategy, and to have no fear
Dedication – to becoming the best Forex trader you can be
Discipline – to remain calm and unemotional in a realm of constant temptation (the market)
Flexibility – to trade changing market conditions successfully
Focus – to stay concentrated on your trading plan and to not stray off course
Logic – to look at the market from an objective and straight forward perspective
Organization – to forge and reinforce positive trading habits
Patience – to wait for only the highest-probability trading strategies according to your plan
Realism – to not think you are going to get rich quick and understand the reality of the market and trading
Savvy – to take advantage of your trading edge when it arises and be aware of what is happening in the market at all times
Self-control – to not over-trade and over-leverage your trading account
As traders, we can take advantage of the high leverage and volatility of the Forex market by learning and mastering and effective Forex trading strategy, building an effective trading plan around that strategy, and following it with ice-cold discipline. Money management is key here; leverage is a double-edged sword and can make you a lot of money fast or lose you a lot of money fast. The key to money management in Forex trading is to always know the exact dollar amount you have at risk before entering a trade and be TOTALLY OK with losing that amount of money, because any one trade could be a loser. More on money management later in the course.
• Who trades Forex and why?
Banks – The interbank market allows for both the majority of commercial Forex transactions and large amounts of speculative trading each day. Some large banks will trade billions of dollars, daily. Sometimes this trading is done on behalf of customers, however much is done by proprietary traders who are trading for the bank’s own account.
Companies – Companies need to use the foreign exchange market to pay for goods and services from foreign countries and also to sell goods or services in foreign countries. An important part of the daily Forex market activity comes from companies looking to exchange currency in order to transact in other countries.
Governments / Central banks – A country’s central bank can play an important role in the foreign exchange markets. They can cause an increase or decrease in the value of their nation’s currency by trying to control money supply, inflation, and (or) interest rates. They can use their substantial foreign exchange reserves to try and stabilize the market.
Hedge funds – Somewhere around 70 to 90% of all foreign exchange transactions are speculative in nature. This means, the person or institutions that bought or sold the currency has no plan of actually taking delivery of the currency; instead, the transaction was executed with sole intention of speculating on the price movement of that particular currency. Retail speculators (you and I) are small cheese compared to the big hedge funds that control and speculate with billions of dollars of equity each day in the currency markets.
Individuals – If you have ever traveled to a different country and exchanged your money into a different currency at the airport or bank, you have already participated in the foreign currency exchange market.
Investors – Investment firms who manage large portfolios for their clients use the Fx market to facilitate transactions in foreign securities. For example, an investment manager controlling an international equity portfolio needs to use the Forex market to purchase and sell several currency pairs in order to pay for foreign securities they want to purchase.
Retail Forex traders – Finally, we come to retail Forex traders (you and I). The retail Forex trading industry is growing everyday with the advent of Forex trading platforms and their ease of accessibility on the internet. Retail Forex traders access the market indirectly either through a broker or a bank. There are two main types of retail Forex brokers that provide us with the ability to speculate on the currency market: brokers and dealers. Brokers work as an agent for the trader by trying to find the best price in the market and executing on behalf of the customer. For this, they charge a commission on top of the price obtained in the market. Dealers are also called market makers because they ‘make the market’ for the trader and act as the counter-party to their transactions, they quote a price they are willing to deal at and are compensated through the spread, which is the difference between the buy and sell price (more on this later).
Advantages of Trading the Forex Market:
• Forex is the largest market in the world, with daily volumes exceeding $3 trillion per day. This means dense liquidity which makes it easy to get in and out of positions.
• Trade whenever you want: There is no opening bell in the Forex market. You can enter or exit a trade whenever you want from Sunday around 5pm EST to Friday around 4pm EST.
• Ease of access: You can fund your trading account with as little as $250 at many retail brokers and begin trading the same day in some cases. Straight through order execution allows you to trade at the click of a mouse.
• Fewer currency pairs to focus on, instead of getting lost trying to analyze thousands of stocks
• Freedom to trade anywhere in the world with the only requirements being a laptop and internet connection.
• Commission-free trading with many retail market-makers and overall lower transaction costs than stocks and commodities.
• Volatility allows traders to profit in any market condition and provides for high-probability weekly trading opportunities. Also, there is no structural market bias like the long bias of the stock market, so traders have equal opportunity to profit in rising or falling markets.
While the forex market is clearly a great market to trade, I would note to all beginners that trading carries both the potential for reward and risk. Many people come into the markets thinking only about the reward and ignoring the risks involved, this is the fastest way to lose all of your trading account money. If you want to get started trading the Fx market on the right track, it’s critical that you are aware of and accept the fact that you could lose on any given trade you take.
Forex Trading Terminology
The Forex market comes with its very own set of terms and jargon. So, before you go any deeper into learning how to trade the Fx market, it’s important you understand some of the basic Forex terminology that you will encounter on your trading journey…
• Basic Forex terms:
Cross rate – The currency exchange rate between two currencies, both of which are not the official currencies of the country in which the exchange rate quote is given in. This phrase is also sometimes used to refer to currency quotes which do not involve the U.S. dollar, regardless of which country the quote is provided in.
For example, if an exchange rate between the British pound and the Japanese yen was quoted in an American newspaper, this would be considered a cross rate in this context, because neither the pound or the yen is the standard currency of the U.S. However, if the exchange rate between the pound and the U.S. dollar were quoted in that same newspaper, it would not be considered a cross rate because the quote involves the U.S. official currency.
Exchange Rate – The value of one currency expressed in terms of another. For example, if EUR/USD is 1.3200, 1 Euro is worth US$1.3200.
Pip – The smallest increment of price movement a currency can make. Also called point or points. For example, 1 pip for the EUR/USD = 0.0001 and 1 pip for the USD/JPY = 0.01.
Leverage – Leverage is the ability to gear your account into a position greater than your total account margin. For instance, if a trader has $1,000 of margin in his account and he opens a $100,000 position, he leverages his account by 100 times, or 100:1. If he opens a $200,000 position with $1,000 of margin in his account, his leverage is 200 times, or 200:1. Increasing your leverage magnifies both gains and losses.
To calculate the leverage used, divide the total value of your open positions by the total margin balance in your account. For example, if you have $10,000 of margin in your account and you open one standard lot of USD/JPY (100,000 units of the base currency) for $100,000, your leverage ratio is 10:1 ($100,000 / $10,000). If you open one standard lot of EUR/USD for $150,000 (100,000 x EURUSD 1.5000) your leverage ratio is 15:1 ($150,000 / $10,000).
Margin – The deposit required to open or maintain a position. Margin can be either “free” or “used”. Used margin is that amount which is being used to maintain an open position, whereas free margin is the amount available to open new positions. With a $1,000 margin balance in your account and a 1% margin requirement to open a position, you can buy or sell a position worth up to a notional $100,000. This allows a trader to leverage his account by up to 100 times or a leverage ratio of 100:1.
If a trader’s account falls below the minimum amount required to maintain an open position, he will receive a “margin call” requiring him to either add more money into his or her account or to close the open position. Most brokers will automatically close a trade when the margin balance falls below the amount required to keep it open. The amount required to maintain an open position is dependent on the broker and could be 50% of the original margin required to open the trade.
Spread – The difference between the sell quote and the buy quote or the bid and offer price. For example, if EUR/USD quotes read 1.3200/03, the spread is the difference between 1.3200 and 1.3203, or 3 pips. In order to break even on a trade, a position must move in the direction of the trade by an amount equal to the spread.
• The major Forex pairs and their nicknames:
• Understanding Forex currency pair quotes:
You will need to understand how to properly read a currency pair quote before you start trading them. So, let’s get started with this:
The exchange rate of two currencies is quoted in a pair, such as the EURUSD or the USDJPY. The reason for this is because in any foreign exchange transaction you are simultaneously buying one currency and selling another. If you were to buy the EURUSD and the euro strengthened against the dollar, you would then be in a profitable trade. Here’s an example of a Forex quote for the euro vs. the U.S. dollar:
The first currency in the pair that is located to the left of the slash mark is called the base currency, and the second currency of the pair that’s located to the right of the slash market is called the counter or quote currency.
If you buy the EUR/USD (or any other currency pair), the exchange rate tells you how much you need to pay in terms of the quote currency to buy one unit of the base currency. In other words, in the example above, you have to pay 1.32105 U.S. dollars to buy 1 euro.
If you sell the EUR/USD (or any other currency pair), the exchange rate tells you how much of the quote currency you receive for selling one unit of the base currency. In other words, in the example above, you will receive 1.32105 U.S. dollars if you sell 1 euro.
An easy way to think about it is like this: the BASE currency is the BASIS for the trade. So, if you buy the EURUSD you are buying euro’s (base currency) and selling dollars (quote currency), if you sell the EURUSD you are selling euro’s (base currency) and buying dollars (quote currency). So, whether you buy or sell a currency pair, it is always based upon the first currency in the pair; the base currency.
The basic point of Forex trading is to buy a currency pair if you think its base currency will appreciate (increase in value) relative to the quote currency. If you think the base currency will depreciate (lose value) relative to the quote currency you would sell the pair.
• Bid and Ask price
Bid Price – The bid is the price at which the market (or your broker) will buy a specific currency pair from you. Thus, at the bid price, a trader can sell the base currency to their broker.
Ask Price – The ask price is the price at which the market (or your broker) will sell a specific currency pair to you. Thus, at the ask price you can buy the base currency from your broker.
Forex trading is everything.
Finance writer Michelle McGagh from London gave up spending for a whole year, aside from her mortgage and bills as well as £30 (RM167.15) a week for groceries and essential toiletries.
She said the frugal life made her happier, healthier and allowed her to overpay almost £23,000 on her mortgage.
Being spendthrift by nature, I decided I should give it a shot. I have always had problems reining in my finances and it’s about time I embarked on some plan to keep my money in check.
And as I am a little wiser – after my failed attempts to fulfil any New Year’s resolution – I decided instead of doing a McGagh, I would attempt to not spend for a week and see how much I’d save.
So, here’s how I did it:
Have a well-stocked pantry
As my wife cooks most of our meals at home, I already had canned food and other dried ingredients stored at home. If you are the proud owner of a skeletal pantry, stock up ahead of time.
I discovered that knowing that I have a well-stocked kitchen motivated me to stick to my no-spending approach. Why? Because I am less tempted to pick up take-out after spending a decent chunk of my salary to fill up those shelves.
Also, it gives me an idea to plan meals and also expect the unexpected. In moments where I need to dash off to work and have no time to cook, I just need to pop open that can of tuna and throw the meat into a Ziploc together with salad leaves – lunch is served.
Cheap ways to stock your pantry
Hold on to whole grains
Fill your pantry with whole-grain favourites such as brown rice, barley, rolled oats and whole-grain pasta. Stock up when you find a good sale or buy in bulk – bulk bins usually offer better unit prices than packaged grains.
Bet on beans
These are versatile sources of protein which you can add to soups and salads. They are cheap and lower in saturated fats. When buying canned, look for no-salt added or low-sodium.
Nosh on nuts
The dried variants might be expensive but it is good to have them around – great for snacks, breakfast and even salads.
Fill your pantry with flavour
Vinegars and other condiments such as Dijon mustard are great for quick, homemade salad dressings. Apple cider, rice and balsamic vinegars are all good options.
Spice things up
Speaking of flavour, keep the dried herbs and spices used often on hand. Use to add taste in place of extra salt or fat. The trick is to keep a few staples that you will use in most of your dishes, such as black pepper, oregano and thyme, which will go well with pasta.
Invest in healthy fats
Canola oil is a lower-cost healthy choice best used for cooking. Olive oil may be worth the extra cost when making dressings or vinaigrettes. By having different types of oil, you can choose to use the more expensive type of oil sparingly, and for certain types of dishes only. For example, you can use canola oil when you are deep frying, and use olive oil when you are pan-frying.
Buy basic baking items
Always have basic ingredients like flour, baking soda and baking powder stored completely in your pantry. They are great to turn one ingredient into a complete dish such as overripe apples or bananas? Make an Apple Crisp or Banana Crumble for a healthy dessert. Who says you need to throw away overripe fruits?
Don’t be shy of instant noodles
I am no healthy living evangelist and instant noodles have saved my life more than once. I don’t binge on them but once in a while, they serve as great comfort food. They have a long shelf life and cheap, too.
Pick the best week
The week doesn’t need to start on Monday or end of the weekend, but I am a traditionalist, so it had to start on a Monday and end on a Sunday.
The last week of June worked best as it was when I naturally had to stretch my ringgit and it so happened there was a company dinner – that took care of one meal.
It also allowed me time to plan and get my family in on it. Planning is crucial because you need to buy enough to last you for the week. It also has to be the week where you’d exercise the least amount of effort.
Plan, revise, repeat
I factored in unforeseen circumstances, such as toilet paper running low, and even that usual run to the hypermarket to buy baby’s milk. I took into consideration that the weekend also coincided with Hari Raya, a major festival.
I wrote all my weekly financial needs, saw what I could do without – and this bit is crucial because I had to let go of some expenses – and repeated the whole process until I knew how much I could comfortably set aside for groceries and necessities without exiling my entire family to frugal-land.
Some of the expenses that I had to say goodbye to during the no-spend week was, my usual morning coffee, lunch at work and the occasional indulgence of snacks.
Learn to adjust
That’s the toughest part: adjusting. Giving up that morning cup of Starbucks for free coffee from the office pantry was painful to say the least. I couldn’t have that Sub of the Day and had to settle for some egg sandwich, which was equally tasty.
There were days where I just wanted to spend, spend, and spend. I would even find a reason to spend when I didn’t need to.
As my colleagues knew about my valiant effort, I knew I couldn’t lose. So that provided some motivation.
Also, my wife helped me to cook the meals. If it were left to me, I would have just had bread and fried egg for most of my breakfast and lunch.
So teamwork is necessary, one way or the other.
So how much did I save?
This is how much I usually spend on any given week, including those family outings on weekends:
7-day spending
Coffee: RM84
Breakfast: RM100
Lunch: RM200
Tea/snacks: RM100
Dinner : RM200
Overall total: RM684
However, I only need RM250 for a week’s grocery for a family of three. So just by cutting down on food, and applying a no-spend week, I saved RM434! Stretch this over four weeks, and I can potentially save RM1,736!
With that amount, I can easily build an emergency fund or even invest that money in a unit trust and reap the rewards in the long run.
If doing it every week is too far-fetched, you can definitely do a monthly detox. The money saved over a year – that’s RM5,208 in savings – would bring you closer to your financial goals, or even your annual family vacation!
All you need is: to start
That was my problem. When I pushed forward the idea it was months before I attempted to try a no-spend week.
But once I got the ball rolling, it was manageable. As I am writing this, I didn’t spend on breakfast, lunch or dinner. That already amounted to some savings.
Of course, like all goals I did reward myself with a latte, and that felt good. However the exercise drives home an important point: no matter who you are or what you do, you can still exert some control on your finances.
Even though my no-spend week has come to an end, I still find myself packing my lunch to work every other day. The exercise has put in place a routine of preparing my meals from home, and it is a much welcomed routine for my wallet – and stomach!
5 tips to no-spend success
See what is going on in the week. Pick a week that isn’t going to be stressful. If your desired week is period where you’ll use a lot of money, don’t pick that week.
Decide what you want your surplus cash to go toward. The concept is saving money but a plan on what to do with the extras makes it easier to have that extra motivation.
Set a budget for groceries and necessities for the week. Take stock on anything you are running extremely low on, including toilet paper or shampoo. As for meal planning, pick local ingredients.
Get creative with entertainment. If you want to save on leisure, then the nearby park is a great way to unwind. Also, why not relax at home?
Track your progress. Use an app or even a spreadsheet to note your progress and how much money you’ve saved each day.
Budgeting is one of the most basic and common method to help you manage your finances. It helps you keep track of where your money is coming and going, and it also gives you a map of how to spend your money as well as how much to save.
If you’ve been budgeting, you may have already tried a number of tactics to up your savings game, including the 50/30/20 budget as well as aiming for an income that covers your expenses and savings. But if none of these work for you, here’s another budgeting method that might help.
The elimination budget
The elimination budget has one rule, and one rule only: Eliminate a spending category to keep your spending amount below your income.
That’s it. While the rule is simple enough, implementing it takes some effort. Firstly, you will need to understand your budget and its various spending categories well. Then, combine that understanding with steely discipline to ensure that the spending category that you have eliminated remains… well, eliminated.
Confused? Let’s give you an example. Here’s a typical monthly budget with the following spending categories:
Category
Budget
Groceries
RM300
Restaurants
RM200
Cafes and Snacks
RM100
Petrol
RM250
Season Car Park
RM200
Life Insurance
RM300
Utilities
RM550
Entertainment
RM200
Total
RM2,000
Let’s say you’re currently earning a salary of RM2,200, this means you’re currently spending almost all of your income with only RM200 left for incidentals. Once you have identified your spending categories, the elimination budget requires you to remove one of these categories, starting with the least important one.
For example, based on this budget you can start by removing the cafes and snacks category. This means you have to stop spending on anything related to cafes and snacks, so you can save about RM100 a month.
Once you have successful eliminated this category, you should go through your budget again to identify the next category to eliminate. Give it a few months to get used to removing one category before you start on the next category.
If you decide to remove the entertainment category next, you will have to refrain from spending on movie tickets, music subscription, books and other forms of entertainment.
Keep removing categories until your spending becomes less than your income.
Who should do this?
This is best for those who are having severe cash flow problem, or those who are in debts. If you are living pay cheque to pay cheque while carrying a credit card balance, here’s how this elimination budget can help you manage your debt better.
Based on the sample budget above, if you have successfully eliminated cafes and snacks, as well as entertainment from your budget, you would have additional disposable cash of RM300, on top of the RM200 for incidentals every month. This bumps up your disposable cash every month to RM500.
If you are carrying a credit card balance of RM5,000, here’s how the extra RM300 makes a difference:
Items
Without eliminating any categories
After eliminating 2 categories
Total cash for credit
card payment
RM200 + RM50
(RM200 does not meet the first
minimum payment requirement)
RM500
Time to pay off
your credit card balance
5 years and 5 months
11 months
Total interest incurred
RM1,491
RM375
Without eliminating any spending categories, the budget does not even have enough left over to pay the minimum payment of a credit card balance of RM5,000.
With an additional RM300, you will be able to pay off your credit card debt faster and save 75% in interest!
What if I can’t eliminate anything?
Try to readjust your categories in your budget to see if there’s a section that you can possibly cut off. Not all expenditures are a necessity, so look for a category that you can possibly not spend on for at least a month to get you started. If you still can’t find any categories to eliminate, you may have to drill down further. For example, eating out category can be drilled down to work lunches and weekend meals.
Even things like season car parking can be eliminated if you find a solution like carpooling that could help you make eliminating a category easier. Whatever it is, though, the choice is up to you on what should and shouldn’t be eliminated. However, you will need to be completely – and sometimes, painfully honest with yourself when distinguishing what is a necessity and what is not.
Is it a long-term solution?
The elimination budget is a necessary evil if you are in a drastic situation that requires you to cut down a significant amount on your spending. Depriving yourself of any of your spending categories will be difficult to do in the long-term, so it’s best to do these things slowly and focus more on changing your lifestyle.
If you spend hundreds every month on happy hour drinks with colleagues and friends every Friday, it’s time to re-evaluate your lifestyle so it is not dragging down your finances.
The elimination budget does seem drastic, but if you are in need of a financial overhaul, this method is the most effective and you will likely see results much sooner.
However, there is a point where you may find yourself running out of categories to eliminate. At this juncture, relook at your budget and try to reduce the spending amount for certain categories. If you have been spending way too much on eating out, it’s time to look for ways to reduce that expense.
Whatever it is, the elimination budget works as long as you are disciplined and plan your budget wisely to know what you can and cannot take away. Give it a go during those drastic times, and you can see yourself putting away some money for savings as best as you can.
sumber:https://www.imoney.my/articles/no-spend-week
https://www.imoney.my/articles/elimination-budget
HALAMAN SELANJUTNYA:
the cheapest car insurance
cost of car insurance
best car insurance quotes
insurance auto
insurance quotes car
get car insurance quotes online
car insurance agent
instant car insurance quote
car insurance websites
direct car insurance
insure a car
motor car insurance quote
cheap car insurance
online quotes for car insurance
car insurers
commercial car insurance
motor insurance quote
car insurance quotes online
get a quote online
international health insurance
compare car insurance quotes
insurance for car
compare car insurance
car insurance
buy life insurance online
compare auto insurance
international medical insurance
general car insurance
cheap motor insurance
low car insurance
car insurance comparison
company car insurance
budget car insurance
private health insurance
online quote car insurance
cheap motor car insurance
car insurance for new drivers
cheap car insurance quotes online
online car insurance quotes
get car insurance quotes
car insurance quotes comparison
motor car insurance
car insurance quotes
car insurance cheap
comprehensive car insurance
best auto insurance
short term health insurance
motor insurance
cheap online car insurance
online motor insurance quotes
car insurance california
buycarinsurance
online vehicle insurance
free car insurance quotes
landlord insurance
health insurance for children
motorbike insurance
monthly car insurance
car insurance usa
car insurance reviews
car insurance renewal quotes
vehicle insurance
health insurance rates
term life insurance quotes
vehicle insurance quotes
car insurance compare
motor vehicle insurance
best car insurance
motor insurance online quote
car insurance online quote
life insurance online
supplemental health insurance
best car insurance rates
car insurance discounts
motor vehicle insurance quotes
auto insurance
cheap travel insurance
bike insurance
travel medical insurance
buy car insurance online
online motor insurance
travel insurance quote
get a quote for car insurance
health insurance agent
car insurance companies
cheap car insurance companies
travel insurance
annual travel insurance
commercial vehicle insurance
permanent life insurance
medical insurance quotes
online car insurance
cheap car insurance quotes
car insurance online
quote insurance online
level term life insurance
health insurance comparison
how much is car insurance
travel health insurance
pet health insurance
quotes on cars
health ins
travel insurance uk
quote for car insurance
get insurance quote online
disability insurance quote
temporary health insurance
temporary insurance
rental car insurance
cheap health insurance
auto insurance compare
third party car insurance
buy health insurance
auto insurance quotes
cheap insurance companies
best term life insurance
personal health insurance
online quote insurance
car insurance premium
health insurance policies
quotes for cars
whole life insurance
credit insurance
cheap van insurance
cheap term life insurance
cheap motorcycle insurance
compare life insurance
car insurance cover
health insurance
motorcycle insurance
short term car insurance
health insurance coverage
insurance qoute
cheap life insurance
house insurance quote
car insurance uk
health insurance companies
cigna health insurance
cheap insurance
cheap car insurance uk
compare health insurance
car insurance for young drivers
short term insurance
online health insurance
caravan insurance
life insurance comparison
direct insurance
health insurance plans
motor insurance online
car insurance estimator
accident insurance
home insurance quotes
nj car insurance
new car insurance
private medical insurance
home insurance
car insurance brokers
car insurance rates
commercial insurance
health insurance quotes
motor insurance companies
which car insurance
car quotes online
online auto insurance
flood insurance
cheap auto insurance quotes
car insurance agencies
business health insurance
term life insurance
truck insurance
professional indemnity insurance
life insurance
car insurance policy
long term care insurance
drive insurance
buy insurance
car ins
motorcycle insurance quote
critical illness insurance
term insurance
student health insurance
home insurance comparison
insurance rates
insurance cover
holiday insurance
insurance sites
online vehicle insurance quotes
company website
home insurance rates
compare insurance
buy insurance online
affordable medical insurance
car insurance coverage
product liability insurance
home contents insurance
buy life insurance
renters insurance
group health insurance
family health insurance
motor insurance quote online
mortgage insurance
best home insurance
personal insurance
medical insurance
property insurance
life insurance agent
group insurance
aetna health insurance
cheap medical insurance
liability insurance
rental insurance
life insurance policy
group life insurance
general liability insurance
insurance quotes online
all car insurance companies
best health insurance
insurance plans
life insurance for seniors
van insurance
website quote
universal life insurance
building insurance
co insurance
insurance car
car insurance prices
disability insurance
insurance vehicle
cheap vehicle insurance
senior life insurance
medical insurance plans
insurance health
house insurance
life insurance quotes
car quotes
cheap home insurance
business insurance
com bank credit card
lowest credit card eligibility
no fee credit cards
best credit card compare
how can i apply for credit card
business credit cards
cheapest credit card
company credit card
corporate credit card
apply for a credit card online
0 apr credit cards
how can i get credit card
get a credit card
open credit card
usa credit card
instant credit card approval
store credit cards
credit card shopping
airline miles credit card
frequent flyer credit cards
hotel credit cards
best credit card deals
compare credit
miles credit card
credit card consolidation
college student credit cards
how do i apply for a credit card
gold credit card
how to open credit card
apply for credit card
eligibility for credit card
credit card verification
credit card offers online
credit card application form
which credit card to apply
how can i get a credit card
credit card online apply
credit cards uk
0 credit cards
looking for credit card offers
credit card information
bank credit card application
travel credit cards
what is a credit card
credit card sign up
master credit card
cash back cards
platinum credit card
compare visa cards
credit bank credit card
no interest credit cards
cheap credit cards
0 credit card offers
online credit
new credit cards
application of credit card
how to apply for credit card
apply card credit online
credit card deals
premier credit card
mastercard credit card
how to get credit card
apply credit card
credit card application
credit companies
creditcard
cash back credit cards
airline credit cards
cash credit card
credit card rates
student credit cards
apply credit card online
how to apply credit card
interest free credit card
secured credit card
best travel credit card
capital one credit card
online credit card application
credit cards with no annual fee
new credit card offers
apply online credit card
credit card apply online
best rewards credit card
city credit card
how to get a credit card
credit card counseling
rebate credit card
mastercard debit card
credit card debt
best credit cards to apply for
best credit cards
apply for credit card online
credit card apply
how to apply for a credit card
apply for new credit card
credit card rebate
best credit card comparison
apply for visa card online
cim credit card
good credit cards
credit card cash back
best cash back credit cards
mastercard credit card application
credit card checker
credit card mastercard
instant credit card
card compare
credit card rewards programs
compare the best credit cards
apply visa card
cash rebate credit card
bankruptcy credit cards
card offers
instant approval credit cards
credit card online application
credit cards for students
how to sign up for credit card
uk credit cards
credit card account
about credit card
visa card apply online
credit card compare site
secured mastercard
visa card application
credit card rewards
credit rating
how can we get credit card
visa credit card
rewards card
online credit card processing
capital credit card
credit card visa
consolidate credit cards
credit card processing
credit card reviews
apply new credit card
business credit card application
credit cards with cash back
credit card reader
credit card instant approval
online apply credit card
bad credit credit cards
credit card selection
online visa card
pay with credit card
credit card charges
visa or mastercard
credit card machine
apply a credit card
small business credit cards
prepaid debit cards
visa debit card
mbna credit card
credit card terminal
card credit application
credit card generator
credit card balance
credit card numbers
credit card transfer
credit card interest rates
credit card interest
gold card
credit card online
best rate credit cards
credit card low interest
visa card online
online credit card
how to apply a credit card
0 interest credit cards
debit card
the cheapest car insurance
cost of car insurance
best car insurance quotes
insurance auto
insurance quotes car
get car insurance quotes online
car insurance agent
instant car insurance quote
car insurance websites
direct car insurance
insure a car
motor car insurance quote
cheap car insurance
online quotes for car insurance
car insurers
commercial car insurance
motor insurance quote
car insurance quotes online
get a quote online
international health insurance
compare car insurance quotes
insurance for car
compare car insurance
car insurance
buy life insurance online
compare auto insurance
international medical insurance
general car insurance
cheap motor insurance
low car insurance
car insurance comparison
company car insurance
budget car insurance
private health insurance
online quote car insurance
cheap motor car insurance
car insurance for new drivers
cheap car insurance quotes online
online car insurance quotes
get car insurance quotes
car insurance quotes comparison
motor car insurance
car insurance quotes
car insurance cheap
comprehensive car insurance
best auto insurance
short term health insurance
motor insurance
cheap online car insurance
online motor insurance quotes
car insurance california
buycarinsurance
online vehicle insurance
free car insurance quotes
landlord insurance
health insurance for children
motorbike insurance
monthly car insurance
car insurance usa
car insurance reviews
car insurance renewal quotes
vehicle insurance
health insurance rates
term life insurance quotes
vehicle insurance quotes
car insurance compare
motor vehicle insurance
best car insurance
motor insurance online quote
car insurance online quote
life insurance online
supplemental health insurance
best car insurance rates
car insurance discounts
motor vehicle insurance quotes
auto insurance
cheap travel insurance
bike insurance
travel medical insurance
buy car insurance online
online motor insurance
travel insurance quote
get a quote for car insurance
health insurance agent
car insurance companies
cheap car insurance companies
travel insurance
annual travel insurance
commercial vehicle insurance
permanent life insurance
medical insurance quotes
online car insurance
cheap car insurance quotes
car insurance online
quote insurance online
level term life insurance
health insurance comparison
how much is car insurance
travel health insurance
pet health insurance
quotes on cars
health ins
travel insurance uk
quote for car insurance
get insurance quote online
disability insurance quote
temporary health insurance
temporary insurance
rental car insurance
cheap health insurance
auto insurance compare
third party car insurance
buy health insurance
auto insurance quotes
cheap insurance companies
best term life insurance
personal health insurance
online quote insurance
car insurance premium
health insurance policies
quotes for cars
whole life insurance
credit insurance
cheap van insurance
cheap term life insurance
cheap motorcycle insurance
compare life insurance
car insurance cover
health insurance
motorcycle insurance
short term car insurance
health insurance coverage
insurance qoute
cheap life insurance
house insurance quote
car insurance uk
health insurance companies
cigna health insurance
cheap insurance
cheap car insurance uk
compare health insurance
car insurance for young drivers
short term insurance
online health insurance
caravan insurance
life insurance comparison
direct insurance
health insurance plans
motor insurance online
car insurance estimator
accident insurance
home insurance quotes
nj car insurance
new car insurance
private medical insurance
home insurance
car insurance brokers
car insurance rates
commercial insurance
health insurance quotes
motor insurance companies
which car insurance
car quotes online
online auto insurance
flood insurance
cheap auto insurance quotes
car insurance agencies
business health insurance
term life insurance
truck insurance
professional indemnity insurance
life insurance
car insurance policy
long term care insurance
drive insurance
buy insurance
car ins
motorcycle insurance quote
critical illness insurance
term insurance
student health insurance
home insurance comparison
insurance rates
insurance cover
holiday insurance
insurance sites
online vehicle insurance quotes
company website
home insurance rates
compare insurance
buy insurance online
affordable medical insurance
car insurance coverage
product liability insurance
home contents insurance
buy life insurance
renters insurance
group health insurance
family health insurance
motor insurance quote online
mortgage insurance
best home insurance
personal insurance
medical insurance
property insurance
life insurance agent
group insurance
aetna health insurance
cheap medical insurance
liability insurance
rental insurance
life insurance policy
group life insurance
general liability insurance
insurance quotes online
all car insurance companies
best health insurance
insurance plans
life insurance for seniors
van insurance
website quote
universal life insurance
building insurance
co insurance
insurance car
car insurance prices
disability insurance
insurance vehicle
cheap vehicle insurance
senior life insurance
medical insurance plans
insurance health
house insurance
life insurance quotes
car quotes
cheap home insurance
business insurance
com bank credit card
lowest credit card eligibility
no fee credit cards
best credit card compare
how can i apply for credit card
business credit cards
cheapest credit card
company credit card
corporate credit card
apply for a credit card online
0 apr credit cards
how can i get credit card
get a credit card
open credit card
usa credit card
instant credit card approval
store credit cards
credit card shopping
airline miles credit card
frequent flyer credit cards
hotel credit cards
best credit card deals
compare credit
miles credit card
credit card consolidation
college student credit cards
how do i apply for a credit card
gold credit card
how to open credit card
apply for credit card
eligibility for credit card
credit card verification
credit card offers online
credit card application form
which credit card to apply
how can i get a credit card
credit card online apply
credit cards uk
0 credit cards
looking for credit card offers
credit card information
bank credit card application
travel credit cards
what is a credit card
credit card sign up
master credit card
cash back cards
platinum credit card
compare visa cards
credit bank credit card
no interest credit cards
cheap credit cards
0 credit card offers
online credit
new credit cards
application of credit card
how to apply for credit card
apply card credit online
credit card deals
premier credit card
mastercard credit card
how to get credit card
apply credit card
credit card application
credit companies
creditcard
cash back credit cards
airline credit cards
cash credit card
credit card rates
student credit cards
apply credit card online
how to apply credit card
interest free credit card
secured credit card
best travel credit card
capital one credit card
online credit card application
credit cards with no annual fee
new credit card offers
apply online credit card
credit card apply online
best rewards credit card
city credit card
how to get a credit card
credit card counseling
rebate credit card
mastercard debit card
credit card debt
best credit cards to apply for
best credit cards
apply for credit card online
credit card apply
how to apply for a credit card
apply for new credit card
credit card rebate
best credit card comparison
apply for visa card online
cim credit card
good credit cards
credit card cash back
best cash back credit cards
mastercard credit card application
credit card checker
credit card mastercard
instant credit card
card compare
credit card rewards programs
compare the best credit cards
apply visa card
cash rebate credit card
bankruptcy credit cards
card offers
instant approval credit cards
credit card online application
credit cards for students
how to sign up for credit card
uk credit cards
credit card account
about credit card
visa card apply online
credit card compare site
secured mastercard
visa card application
credit card rewards
credit rating
how can we get credit card
visa credit card
rewards card
online credit card processing
capital credit card
credit card visa
consolidate credit cards
credit card processing
credit card reviews
apply new credit card
business credit card application
credit cards with cash back
credit card reader
credit card instant approval
online apply credit card
bad credit credit cards
credit card selection
online visa card
pay with credit card
credit card charges
visa or mastercard
credit card machine
apply a credit card
small business credit cards
prepaid debit cards
visa debit card
mbna credit card
credit card terminal
card credit application
credit card generator
credit card balance
credit card numbers
credit card transfer
credit card interest rates
credit card interest
gold card
credit card online
best rate credit cards
credit card low interest
visa card online
online credit card
how to apply a credit card
0 interest credit cards
debit card
the cheapest car insurance
cost of car insurance
best car insurance quotes
insurance auto
insurance quotes car
get car insurance quotes online
car insurance agent
instant car insurance quote
car insurance websites
direct car insurance
insure a car
motor car insurance quote
cheap car insurance
online quotes for car insurance
car insurers
commercial car insurance
motor insurance quote
car insurance quotes online
get a quote online
international health insurance
compare car insurance quotes
insurance for car
compare car insurance
car insurance
buy life insurance online
compare auto insurance
international medical insurance
general car insurance
cheap motor insurance
low car insurance
car insurance comparison
company car insurance
budget car insurance
private health insurance
online quote car insurance
cheap motor car insurance
car insurance for new drivers
cheap car insurance quotes online
online car insurance quotes
get car insurance quotes
car insurance quotes comparison
motor car insurance
car insurance quotes
car insurance cheap
comprehensive car insurance
best auto insurance
short term health insurance
motor insurance
cheap online car insurance
online motor insurance quotes
car insurance california
buycarinsurance
online vehicle insurance
free car insurance quotes
landlord insurance
health insurance for children
motorbike insurance
monthly car insurance
car insurance usa
car insurance reviews
car insurance renewal quotes
vehicle insurance
health insurance rates
term life insurance quotes
vehicle insurance quotes
car insurance compare
motor vehicle insurance
best car insurance
motor insurance online quote
car insurance online quote
life insurance online
supplemental health insurance
best car insurance rates
car insurance discounts
motor vehicle insurance quotes
auto insurance
cheap travel insurance
bike insurance
travel medical insurance
buy car insurance online
online motor insurance
travel insurance quote
get a quote for car insurance
health insurance agent
car insurance companies
cheap car insurance companies
travel insurance
annual travel insurance
commercial vehicle insurance
permanent life insurance
medical insurance quotes
online car insurance
cheap car insurance quotes
car insurance online
quote insurance online
level term life insurance
health insurance comparison
how much is car insurance
travel health insurance
pet health insurance
quotes on cars
health ins
travel insurance uk
quote for car insurance
get insurance quote online
disability insurance quote
temporary health insurance
temporary insurance
rental car insurance
cheap health insurance
auto insurance compare
third party car insurance
buy health insurance
auto insurance quotes
cheap insurance companies
best term life insurance
personal health insurance
online quote insurance
car insurance premium
health insurance policies
quotes for cars
whole life insurance
credit insurance
cheap van insurance
cheap term life insurance
cheap motorcycle insurance
compare life insurance
car insurance cover
health insurance
motorcycle insurance
short term car insurance
health insurance coverage
insurance qoute
cheap life insurance
house insurance quote
car insurance uk
health insurance companies
cigna health insurance
cheap insurance
cheap car insurance uk
compare health insurance
car insurance for young drivers
short term insurance
online health insurance
caravan insurance
life insurance comparison
direct insurance
health insurance plans
motor insurance online
car insurance estimator
accident insurance
home insurance quotes
nj car insurance
new car insurance
private medical insurance
home insurance
car insurance brokers
car insurance rates
commercial insurance
health insurance quotes
motor insurance companies
which car insurance
car quotes online
online auto insurance
flood insurance
cheap auto insurance quotes
car insurance agencies
business health insurance
term life insurance
truck insurance
professional indemnity insurance
life insurance
car insurance policy
long term care insurance
drive insurance
buy insurance
car ins
motorcycle insurance quote
critical illness insurance
term insurance
student health insurance
home insurance comparison
insurance rates
insurance cover
holiday insurance
insurance sites
online vehicle insurance quotes
company website
home insurance rates
compare insurance
buy insurance online
affordable medical insurance
car insurance coverage
product liability insurance
home contents insurance
buy life insurance
renters insurance
group health insurance
family health insurance
motor insurance quote online
mortgage insurance
best home insurance
personal insurance
medical insurance
property insurance
life insurance agent
group insurance
aetna health insurance
cheap medical insurance
liability insurance
rental insurance
life insurance policy
group life insurance
general liability insurance
insurance quotes online
all car insurance companies
best health insurance
insurance plans
life insurance for seniors
van insurance
website quote
universal life insurance
building insurance
co insurance
insurance car
car insurance prices
disability insurance
insurance vehicle
cheap vehicle insurance
senior life insurance
medical insurance plans
insurance health
house insurance
life insurance quotes
car quotes
cheap home insurance
business insurance
com bank credit card
lowest credit card eligibility
no fee credit cards
best credit card compare
how can i apply for credit card
business credit cards
cheapest credit card
company credit card
corporate credit card
apply for a credit card online
0 apr credit cards
how can i get credit card
get a credit card
open credit card
usa credit card
instant credit card approval
store credit cards
credit card shopping
airline miles credit card
frequent flyer credit cards
hotel credit cards
best credit card deals
compare credit
miles credit card
credit card consolidation
college student credit cards
how do i apply for a credit card
gold credit card
how to open credit card
apply for credit card
eligibility for credit card
credit card verification
credit card offers online
credit card application form
which credit card to apply
how can i get a credit card
credit card online apply
credit cards uk
0 credit cards
looking for credit card offers
credit card information
bank credit card application
travel credit cards
what is a credit card
credit card sign up
master credit card
cash back cards
platinum credit card
compare visa cards
credit bank credit card
no interest credit cards
cheap credit cards
0 credit card offers
online credit
new credit cards
application of credit card
how to apply for credit card
apply card credit online
credit card deals
premier credit card
mastercard credit card
how to get credit card
apply credit card
credit card application
credit companies
creditcard
cash back credit cards
airline credit cards
cash credit card
credit card rates
student credit cards
apply credit card online
how to apply credit card
interest free credit card
secured credit card
best travel credit card
capital one credit card
online credit card application
credit cards with no annual fee
new credit card offers
apply online credit card
credit card apply online
best rewards credit card
city credit card
how to get a credit card
credit card counseling
rebate credit card
mastercard debit card
credit card debt
best credit cards to apply for
best credit cards
apply for credit card online
credit card apply
how to apply for a credit card
apply for new credit card
credit card rebate
best credit card comparison
apply for visa card online
cim credit card
good credit cards
credit card cash back
best cash back credit cards
mastercard credit card application
credit card checker
credit card mastercard
instant credit card
card compare
credit card rewards programs
compare the best credit cards
apply visa card
cash rebate credit card
bankruptcy credit cards
card offers
instant approval credit cards
credit card online application
credit cards for students
how to sign up for credit card
uk credit cards
credit card account
about credit card
visa card apply online
credit card compare site
secured mastercard
visa card application
credit card rewards
credit rating
how can we get credit card
visa credit card
rewards card
online credit card processing
capital credit card
credit card visa
consolidate credit cards
credit card processing
credit card reviews
apply new credit card
business credit card application
credit cards with cash back
credit card reader
credit card instant approval
online apply credit card
bad credit credit cards
credit card selection
online visa card
pay with credit card
credit card charges
visa or mastercard
credit card machine
apply a credit card
small business credit cards
prepaid debit cards
visa debit card
mbna credit card
credit card terminal
card credit application
credit card generator
credit card balance
credit card numbers
credit card transfer
credit card interest rates
credit card interest
gold card
credit card online
best rate credit cards
credit card low interest
visa card online
online credit card
how to apply a credit card
0 interest credit cards
debit card
0 Response to "I Survived A No-Spend Week & This Is How I Did It"
Post a Comment