Bad credit can be a result of many different factors. Some people believe that bad credit is always and only the result of missing repayments on loans, credit cards and other debt, but this isn’t always true. Sometimes, your credit rating can drop simply due to the amount of money that you have borrowed, regardless of whether or not you’re staying up to date with repayments. If you have applied for a financial product recently only to be told that you don’t have good enough credit, here are some of the best things to do in order to improve it.Your Credit Rating
Before you start to... Read More
Unless you are a professional accountant, organizing your personal finances can be a stressful task. Not only is that very tedious, but small mistakes can cause a lot of problems afterwards. In case you have an irregularity in your balance statement you will need to trace back your steps and find the mistake you made.
For example, we often get a lot of paper invoices that we need to transfer to digital form. And, unfortunately, you can't just scan them and be done with the work. Instead, you need to transfer that information into editable spreadsheets, so you can work with the figures... Read More
Let’s be honest: it is absolutely no fun paying for an auto maintenance tune up or those new eye glasses—why are prescription glasses so expensive?! You’ve gotten to the point that you would just rather buy something on the cheap and replace it when it wears out instead of taking the time to make repairs or see a specialist. Sure, initially, it feels like we’re saving money. Instead of paying $3,000 for a new transmission for a 10-year-old car, it seems better to scrap it and get a 5-year-old car for $12,000. It’s an investment, right? Here’s the thing: didn’t you say that about the current... Read More
1. Join a cashback website. Cashback websites a great way to save money, however the savings a not instant and many cashback sites only allow annual and minumum balance withdrawels. We believe that in the long run this may be a good thing as funds will accumilate and add up to a meaningful amount, think holiday fund!Try websites like Topcashback.com and start earning cashback on items you would have purchased anyway.
2. Get a cashback card. Visit your bank a get a cashback card, there often free of charge and readily available to consumers regardless of their credit rating. This is one... Read More
It is especially true for those who are on the roads since it is the individuals on the road in particular who face dangers of accidents and severe injuries resulting in catastrophic personal losses, physically and financially. With the numerous laws and regulations governing the people driving and owning the cars, it is also a good idea to be completely aware of what the fallout can be of accidents, for the tangible and intangible assets that one possesses. Health and auto insurances go a long way in providing the securities and covers that are required in such cases.
Planning... Read More
Instead of opting for an individual Home Loan, why not consider a joint Home Loan? There are a number of benefits that come with this kind of loan. One, you’ll be able to share the debt burden with another person. Two, you’ll also be able to avail a higher loan amount as the net incomes of all the applicants will be considered.
Here are a few details that will help you get acquainted with the ins and outs a joint Home Loan.
Who is eligible to be a co-applicant?
You can apply for a joint Home Loan with your spouse, parents, or siblings. Don’t mix up the term ‘co-applicant’... Read More
Medical emergencies can strike when you least expect them. These are doubly devastating from a financial standpoint; apart from medical bills, you may also face financial hardship simply because you are unfit to get back to work.
If your mind immediately jumped to road accidents, those aren’t the only medical emergencies you may face. Debilitating illnesses can put you out of commission as well, and can mess with your ability to work and earn.
It’s very easy to take a rushed, unadvisable financial decision during such times, but that will only leave you in even hotter water.... Read More
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