When you’re in the depths of debt, it can sometimes seem like you’re closed in with no options to choose from. However, that’s far from the truth. So long as you’re willing to take action, there will always be a road out of debt. It might not be easy, it might require you to build a budget, and it might require you make further use of your credit, but when faced with a financial crisis, taking the hard way out is often better than the alternative of staying in debt.
Money Saving Tips
Useful tips to save money
When you have bad credit, it can be difficult to borrow money when you need it, but there are many situations where you might need a short or long-term loan. At LoanOnYourCar.com, we allow you to borrow against your vehicle’s equity, so there are no credit checks and no guarantor required. All you have to do is speak to one of our advisors for a quick service that’s free from hidden charges or fees.
Logbook loans are a high-risk way to get fast cash when you need it. Outdated legal frameworks make them a dangerous option for those struggling with finances. Car equity loans are an alternative option that could ease the financial strain while delivering lower interest rates and easier repayment methods.
Take Control of your Wedding Budget
The dress, the ring, the cake, the venue, the food; if there’s one thing for certain, it’s that weddings don’t come cheap. When you consider the fact that the average cost of such an event is a breathtaking £30,000, you’ll find it no surprise that most engaged couples budget for years in order to be able to afford their big day. It’s either that or start married life saddled with massive amounts of debt.
If you have bad credit, there are still options available when you need a loan. Borrowing against your car, also known as a vehicle equity release, allows you to take out a loan without a credit check, which means your credit rating is unaffected. LoanOnYourCar.com allow you to borrow amounts from £500 to £100k, with favourable interest rates.
Save Money on Household Bills
Have you ever wondered how you can save more money on your household bills? If so, then it’s high time you stopped wondering and started shopping around.
How Brexit might change the Cost of Living
It’s been all over the news for years now, and yet Brexit has come to be so muddled in party politics and misinformation that it can be difficult to know exactly how leaving the EU will affect your personal finances. Add to this confusion the fact that, three months off, it’s still unclear which way the pendulum will swing, there’s little wonder why more and more people are searching the internet to see how exactly Brexit might change their financial health or affect their cashflow. This article takes a look at this complex issue, mapping out some of the facts, and some of the unknowns.
Saving for retirement is something that everyone is aware of, but many people don’t worry about it until later on in life. Having a pension ready for retirement is vital, not only for security and peace of mind for the future but for the quality of life you could receive when you do retire. A lot of people are still unsure about the amount of pension they need.
11 things to consider when buying a second-hand car
Budget, Test Drive, Research on Model, Check Cars History, Collision Damage, Pre-Purchase Inspection, Online Reviews, Assess Running Costs, Negotiating Price, Timing of Purchase, Purchase Process.
Bills and unexpected costs don’t care what day of the month it is. They don’t care if you’re days or weeks away from your next payday. They come as they please and in many cases, they kick us when we’re already down when we do.
Like with any other worthwhile activity, when it comes to the task of building your wealth, you’re going to have to take it seriously. Your money isn’t going to grow if you have a lackadaisical attitude or take a careless approach to earning and saving. Therefore, you have to devote your time and effort to the cause if you really want to see your bank account flourish.
Choose the right loan for you
Loans are accepted every day for a wide variety of reasons for people from every walk of life, but not all loans are the same. There are several different types of loan with varying terms of repayment, different rates of interest and not all loans are available to everyone. Choosing the right loan for your situation could open the door to the next stage of your life or, at the very least, make a difference in your quality of life. However, it’s a decision which needs to be made with caution as the wrong choice could cause you serious financial problems in the future. If you’re confused about all the different types of loans which are available and unsure which is right for you, this guide will help you understand the differences.
Physical vs Digital Cash
Thanks to technology, there are now a plethora of different ways to pay for the things that you want and need in life. Debit cards, credit cards, contactless cards, mobile payments, and, most recently, cryptocurrencies. One thing you’re not short on in today’s tech-driven world is choice.
Living from payday to payday is not sustainable. It is stressful, dangerous, and does nothing to support your future. You need to reconfigure your spending habits and even consider making drastic changes – like moving to a cheaper flat, if possible – so that you can have money at the end of the month to put away into savings. Until you can do that you are not living well, and one day an unexpected bill or job loss will come your way and throw your house of cards to the wind.
Life can sometimes throw up the unexpected. No matter how financially stable things may seem, sometimes, crises can occur that can, unfortunately, leave you out of pocket. Nobody likes an unexpected bill coming through their door, and even worse, is to find yourself in a situation where you are unable to pay for it!
Cheap and Fun days out with your family
The summer holidays and fast approaching, which for many parents, can be a cause for concern. Six weeks can be a long time to keep your children entertained, especially when you don’t have the funds to take them to Disneyland Paris. There are, however, many inexpensive days out, but also easy ways to generate money for a fun-filled holiday. Remember, your kids will love spending time with you and their friends, more than having lots of money spent on them. Here are examples of cheap days out and ideas to keep your little ones entertained during the upcoming holidays.
Over the years, your relationship will have been through many great things; you could have bought your first house together, got married, and had children, but it also might have seen many struggles, including financial. This financial strain can affect any good relationship, and as a result, you will have had to sacrifice a lot of things that make the two of you happy. Help is at hand with our guide to money-saving date nights!
It’s illegal to drive without being properly insured, and for good reason. Regardless of whether you were the victim or the perpetrator in an accident, your insurance will cover you and that way, even if you were hit by someone who was uninsured, your vehicle and expenses will still be paid for in full, having insurance is non-negotiable, but that doesn’t mean you can't negotiate on the price.
There are plenty of ways that you can save money on your car insurance, but you’ll need to start working on a strategy and putting the steps into action today.
Life is far from predictable. Though some unpredictability is great, others, like an unexpected expense, will always hit you when you’re down. Not being able to accommodate this expense can easily put you into debt or put your health at risk. If your boiler breaks down, for example, and you don’t have the money to repair it, what do you do? Following this guide, you will be able to secure yourself better financially and know where to turn to for emergency cash.
If you own your own home, then you cannot just call up your landlord and request that they fix it. It is you who is responsible for the repair, or worse, the replacement. So how do you accommodate unexpected costs like that? How can you improve your finances and acquire money when you already seem at the end of your rope? Unless you have already done all you can to reduce your expenses, chances are the answers are in your spending habits.