Hurray for payday!

Today is payday, and it used to be such a sad and depressing day before I did my consolidation loan this past summer. Now I've got a great little budget that I'm living by, and it's almost exciting to get paid and send my hard earned money to this account and that account, and we're talking savings accounts! Yippee!

Before I used to dread trying to divvy my pay between utility bills and credit card payments, only to see that grocery money was not much to be had, but not anymore. I opened three online savings accounts, one for regular savings, one for vacation savings and one where I put all the bill money in for my utility bills. These are all high interest bearing accounts, no matter what the minimum balance is, so even the bill money is earning me money until a bill is due. I always have enough grocery money now, even with the prices climbing higher and higher. Every payday I've managed to pay a little extra on my loan, which of course goes right to the principal, so that's a bonus. And the best thing of all, is that I am now able to regularly save some money too!

I really want to pay off this debt as fast as I can, and I hope that I'll never ever be in the financial predicament that I used to be in. I wouldn't wish that on anybody. It's way too stressful fighting the interest costs and payments. I would suggest to anyone that may find they're living that kind of life to get off that ride and look into consolidating your debt. If your own bank won't come through for you, then look into one of the many companies that offer online loans. The Internet is a great resource for services like this. I think I'm a prime example of that. I work in a bank, and although yes, I did get my loan through the bank I work at, but yet my savings accounts are with an online bank because my own bank doesn't pay anywhere close to the interest I make with this bank.

I'm really loving keeping track of my budget, and I think in my next life I'd like to come back as a financial consultant, helping others to de-stress their lives by living with a workable budget plan. Plus the spreadsheet I made for my own budget is real pretty to look at too! ;-)

Olivia

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A little tight on cash?

Years ago, before my hubby and I were married, we needed to borrow a small amount of money -- only $700.00. Neither one of us had ever had a credit card at that time, and we were desperate so we went to see a loans officer at the bank we dealt at. We were shocked that they didn't want to bother with us for such a small amount. They suggested we use a credit card, rather than take out a loan for a menial amount. After me crying in that loan officer's office and telling her that neither one of us had a credit card to use, and how we really needed this money, I must have hit a soft spot in her heart, because she gave in and drew up the paperwork that they said was a waste of their time, and granted us that loan.

These days it's much easier for people like us that are in a similar predicament and just need to borrow what is seen by the big banks a menial amount of money that isn't worth doing the paperwork for. A payday lender is easy to find for a payday loan. You'll easily find them on the Internet, and most cities have several such businesses around town where you can go get a small amount of cash for your financial emergency.

Even for people looking for larger cash loans that may not have the best credit history, or even no credit history, there are several companies around that will grant a bad credit personal loan, which I think is a good thing. Lots of people that have some skeletons in their credit closet have learned from their mistakes, and this type of loan offers them not only the instant financial help they need, but it also gives them a chance to help rebuild their good credit.


Olivia

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Need financial help?

There are times when you're drowning in debt and want to clear your name and get back on your financial feet. But most of the big banks don't want to even look at giving anyone any bad credit loans. Fortunately there are alternatives, such as companies like BadCreditOffers.com. They'll compare all kinds of offers for you from the major lenders and find you the best offer for your particular needs. Then, when you make your payments on time, you'll be able to rebuild your credit, and be on the road to a better their financial future.

Olivia



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A loan with heart

A loan with heart you say? Yes, at the Co-operative Bank in the UK you can get a loan and be assured that the money you're borrowing has not been made available through profits derived from unethical business dealings that may cause unnecessary pollution or human rights abuses. In our world today this is a very important issue for many people trying to make a difference to save our planet from global warming, etc.

They offer personal loans, which are a set amount of borrowing money to make a purchase like a new car or pay off existing bills, as well as a flexible loan, which is more like a line of credit type of loan, where the funds are available to you, up to a certain amount, as you need them. They also offer career development loans to aid in funding your education. All this while giving you the satisfaction of knowing the funds are completely green!

Olivia

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Finance woes?

Now this is just brilliant! A company in the UK has put together a website that is literally a one stop shop for handling all of your finances. I have previously discussed in here before about an online car insurance site that hunts down the best available deal for you, which is perfect for saving yourself precious time and money, and now this fairly new site, Nations Finance will do the same thing, except they aren't limited to just insurance. They hunt for all types of financial needs, from loans and credit cards to savings accounts and mortgages. They have very easy to read comparisons for each section. And I have to add to that their interest rates are way better than those we have here in Canada! Hmm, perhaps I should consider a relocation!


Olivia

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