Personal Finance

Smart ways to make extra money this year

Most people could use a little more money to pay off debt, pad their savings account, or simply have a more active social life. Here are some smart ways to make extra money this year: Open another bank account It often makes smart financial sense to open another bank account anyway, since this can be a great way to keep that money “hands off” so you can save it. But did you know that some banks will offer you free cash just to sign up? I’m talking up to $500 just to open a bank account- that’s free money right there and you can even open up some bank accounts online, saving the time you would spend in the branch. Sell your stuff If you’re like most people you probably have shelves and closets that are stuffed with things you never use (or look at). There are a number of…

Consolidate Your Debt with the Help of Alternative Lending

Being burdened with a tremendous amount of debt is not helpful for anyone’s fiscal well-being. Excess debt due to multiple credit cards, personal loans, and other accounts makes managing day-to-day finances difficult. In turn, the ability to effectively pay off debt becomes even more complicated. A common way to address the problem and add a little “fiscal sanity” to the situation entails consolidating debt. Unfortunately, a poor credit score or other problems may make a person a very weak lending applicant. The end result is the applicant is turned down for a traditional debt consolidation loan. A declined personal or secured loan application does not mean all roads are closed. Alternative lending options exist for those who otherwise have no options. Alternative Lending Mitigates Risk The reason someone may be turned down for a traditional debt consolidation loan is he/she is deemed too much of a risk to pay the…

Real Ways to Save on High-End Clothes

You may see friends or people around the office who wear beautiful, luxury clothes and wonder how they manage it. How can they afford to dress so well, even when they might be on a somewhat limited budget? And you probably also wonder how you can manage the same thing. Is it possible to wear designer, high-end and luxury clothes, even if pricing and budget are top priorities? The short answer is yes if you know how to shop. The following are some smart shopping strategies that can help you have the wardrobe of your dreams, even if you don’t have a huge budget. Give Yourself a Cooling Off Period If you’re shopping and you see something you like in the store or even on a website, wait a few days before you actually buy it. Having a high-end wardrobe is about choosing pieces that are timeless and make you…

Financial Success Is Within Your Reach

Sometimes, it can seem like financial success is not within your reach, because it seems too complex. However, the fact is that for both your personal finances and your business finances (if you run a business, that is) success is within your reach. You just need to understand what it takes to be financially successful, that’s all. Once you’ve got to grips with what it takes, you will be set for life – that’s a promise. The question is, what does it take to be financially savvy, both in business and with your personal finances? Here’s everything that you need to know: The ability to monitor your spending Thanks to the invention of financial budgeting apps, monitoring your spending is easier than ever before. All you have to do is download a budgeting app and link up your bank account to it, and you can monitor your ingoings and outgoings…

What is a title loan and how can it help?

You’re in need of some quick money, but what happens if a bad credit score is stopping you from being able to access traditional lines of credit or short-term loans? A car title loan is one way that you can easily and quickly get your hands on some cash, with minimal income verification and no credit check. In some states, this is known as a title pawn, and title loans in Dallas are very common, with many people taking advantage of the fact that you don’t need a credit check in order to get the loan. So how do they work? If you were planning to take some jewellery or maybe some of your other valuables to a pawn shop, the employee working behind the counter would take a good look at your items and appraise them. They would then give you the loan based on what they believe your…

The 5 Most Important Things You Should Know About Loans

Cash flow in either your checking or savings account can suffer at times, such as during an emergency. In contrast, a large expense might be necessary in the near future but coming up with the funds is proving difficult. A solution to most financial troubles is in the form of loans. Borrowing money allows you to pay off the most important debts while paying back the balance in a comfortable amount of time. Before you take on any kind of loan, learn about the most important parts of these financial resources. Credit Checks are the Norm When you apply for any funding, such as title loans, you’ll automatically go through a credit check. This common process is where a lender asks for your credit history from three different bureaus, including: TransUnion Experian Equifax The information that they provide will determine if you can borrow any money, the amount and probable…

4 Bad Habits that Damage Your Family Finances

Bad habits are hard to break, particularly when you are accustomed to doing things a certain way.  Unfortunately, bad behavior has consequences, so repeating the same missteps, again and again, eventually catches-up with you. With your personal economic stability at stake, bad financial habits can have a drastic impact on your overall financial health. Whether you are struggling to make ends meet or unhappy with your progress toward major financial goals, money management issues may be to blame.  Correcting a few bad habits may be all that’s needed to turn things around, so boosting financial security starts with a look at the way money flows through your hands. Common Money Missteps Are you getting by with little to spare each month – even though you bring-in a healthy income?  Do you continue to lose ground, sliding further into debt? Are long-term savings goals suffering, because your entire paycheck goes toward…

Logbook Loans – Are They A Good Deal?

You are in need of a loan and have started to look at Logbook Loans.  It’s a great start.  But we are going to start off by giving you a fright.  While a Logbook Loan is quick and easy, and provided you have the right paperwork, a loan that will be approved, it is also a loan that comes with risks.  Because a logbook loan is a short term loan, your risks are higher than normal. And if you happen to do a late repayment, or no repayments, you can land yourself in even more serious financial trouble. You can put your car at risk.  You could lose your car! But-if you are still reading this, you are probably already having serious financial problems.  And you need to know, the above few sentences are the worst you are going to read! It’s all informative from here on, and also, all…

Finding the perfect homewares online

Did you just buy a home and now need to outfit it from top to bottom? Are you tired of clutter and feel like you need a different way to store things? Could you be using hand-me-downs from friends and family? Are you a closet interior designer who wants to remake things in your own style? If any of these sound like your situation, it is time to get shopping for new homewares! Homewares are great to shop for because there are various items for all the rooms of the house, and there are many styles from which to choose. In other words, you can go a little wild with your shopping ideas, and spend a little or a lot. In this day and age, finding what you want is as close as the click of a mouse. You can definitely try the brick-and-mortar places, but you should spend some…

How To Take Back Financial Control Of Your Life

Being in control of your finances can give a sense of empowerment and relief in the same way that having absolutely no control because things have got out of hand can cause you huge amounts of stress and and anxiety – two of the biggest contributing factors to depression. Getting out of and staying out of debt can be extremely hard if you’ve got yourself into a bit of a pickle, but there are things that you can start doing right now that will help relieve many of your financial woes in the long run. Put some money aside whenever you can Try to stick to saving something every week or every month (whichever you decide). This is especially good for those of you who end up with absolutely nothing in their bank account by the end of the month. Having money saved each and every month will mean that…

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