Tips For People With Bad Credit

by Pam on March 8, 2017

Once your credit score is turned truly terrible and new credit appears to be unlikely, there are a variety of options to consider.  First, don’t ever let bad credit get you down.  There are millions of consumers who are having the same financial difficulties and struggling to review what options are left.  There is always hope for someone who has bad credit and a bad credit score.

Regardless of how bad a credit or debt situation may be, there are always some actions that can be taken.  Actions that can increase your credit score or actions that can be taken to simply handle your debt payment problems.
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Did you know that you’re more likely to end up in debt if you are disabled? Sadly this is true, and one in ten disabled individuals take out a cash loan from someone who has come to that in home. To put that in perspective, these door sales of cash loans are almost always scams. And, you have to be pretty desperate to even consider taking them up on their half. This shows the plight of the disabled and the very real issues they face with finances and debt. The good news is that there are ways to make things a lot easier if you are living with a disability and struggle with money.
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Why Are Car Owners Under Water?

by Guest on February 21, 2017

Are you a car owner?  If so, you may be interested in taking a glance at the info-graphic below that explains why many car owners may be experiencing financial difficulties.  You will find tips on making wise choices regarding financing your vehicle and how to get out of loans that may not be best for your pocketbook.   To find out more about why many car owners are under water, so to speak, see below.
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Why Examining Your Debt Load Is A Good Idea

by Pam on February 10, 2017

Take your “financial temperature”

Every once in a while, it is a good idea to take a closer look at your current debt situation.  That way you can take the temperature, so to speak, of your current financial situation.  A good place to start is to create a list with all your existing loans/debts and beside each to write the current interest rate, balance outstanding, and current payment arrangements, if any.

You may be surprised at how much debt you have taken on without your noticing it piling up.  By checking in once in a while, you will be better equipped to handle your debt before it becomes too burdensome.
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There are certain things we all need, in order to live. In order of priority, they are oxygen, water, food, sleep, and heat. Some people will argue as to whether there is anything else to add to the list. However, these are the things without which the human body cannot function. Without other things, life may be difficult but can be survived.

On the other hand, nobody wants just to survive, and so there is another level of priority below this. Without the above, we cannot live. Without the things on this lower level, we cannot live comfortably. It features things such as a roof over our heads, healthcare, and security.
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Are you looking for a personal loan to save for a rainy day or to get hold of your financial crisis? If so, then it means that you are looking for the loan with the lowest interest rate and one that will probably save you some money.

Once you ascertain that you are eligible for a low-interest personal loan, then you have to get the right house to help you resolve your financial crisis or get rid of the financial problem. Some of the ways that will help you get the lowest rates for personal loans include:

  • Get a secured loan

One of the surest ways to getting a personal loan at a lower interest loan is by giving credible collateral for the loan. The cheapest way of getting the low interest loan is by getting a home equity line or credit. However, before signing the documents, ensure that the rates and the terms of the agreement are friendly and capable of protecting your home from foreclosure.

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Top Tips On How To Stay Debt Free

by Pam on December 30, 2016

In today’s uncertain economy looking after your money has become more important than ever, so it’s necessary that you know exactly how much’s in and coming out of your account. No one likes the idea of getting into debt as it can be stressful, demoralising and financially damaging for years to come, however, there are a few ways you can avoid it. If you’re looking to keep your finances healthy then you’ll want to check out our quick tips for feeling confident and in control of your money.

Start A Rainy Day Fund

We never know what’s going to happen be it next year, next week or even tomorrow, so it’s vital that everyone has a little nest egg to fall back on. Savings accounts are ideal places for large amounts of money such as inheritances, trust funds, and even pension payouts. The right savings account, or ISA, can earn you money just by it sitting there although be aware many have a ninety day clause, meaning you need to notify the bank ninety days in advance before making a withdrawal.
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