Tag Archives: books

Live Comfortably: Manage Your Debt (Page 1 of 2)

March 30, 2020   Personal Loan

As times get more difficult by the day, so does money become scarce. Though people continue to earn a living, there can be times when the expenses are greater than one’s income. This prompts people to think of ways to get instant cash to cover up for the days before the next payday arrives. And the easiest and most convenient way to get this instant cash is by getting a loan.

There are many available lending institutions everywhere. There are those that have offices in certain places while there are also those that can be found over the internet. Payday cash loan is an example of an online money lender available to Australians. It only poses simple requirements that can be completed in minutes such as the borrower must be above eighteen years old, should have an active checking account, and should be employed for at least the last six months. It also requires no collateral.

However, why should one rely on making loans and piling up debts if there are other options that do not cost a single dime? What people do not know is that they are paying for something that could have been acquired for less or even for free. Knowing where to spend less will help consumers save.

Here are 6 of these things:

1.Water Yes, water. It is one of man’s most basic necessities. It is in fact very affordable. But if it comes as an expense, then one may not be drinking tap. People are now into bottled water thinking that is it potable and safer for drinking. But the truth is that studies have proven that tap water is as clean, if not cleaner, than bottled water. It is regularly checked and monitored for safety and quality while the bottled water gets checked only once a year. Besides that, tap water is just pennies a glass.

2.Books and magazines If you one is into reading and loves buying bestseller books that are sold at $40 each, then this would truly add to the expenses. Instead of buying, one may consider just visiting the library to borrow some books and magazines. After all, too many books will need extra space in the house.

3.Long distance charges It is not wrong to be calling one’s family over the weekend. However, the charges that are imposed by telephone and cellphone providers are expensive. It would be better if one will consider buying long-distance calling cards as these have low per-minute charges. Furthermore, there is Skype that can be used via the internet. It’s not only cheap but efficient as well.

4. Bank Fees People think that banks do us a great favor by keeping our money for us. However, the truth is that one does not save by banking the money since bank fees are charged for every transaction especially when using the ATM machine.

Reserve Bank of Australia, in its 2010 report, revealed that people are forking out $51 million per month in ATM fees. It is good to note, though, that there are still banks that offer charge-free transactions. Online banking can also be a viable option.

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Books on loans

July 2, 2018   Auto Loans

Personal loans and all the terminology that comes with it can make your head spin after awhile. However, it is very important to educate yourself with the ins and outs of personal loans if you are thinking obtaining one for any financial cause. Doing so can help ensure you get the best personal loan for your goals as well as prevent heartbreak down the road for you.

There are many wonderful reports on the market today offering knowledge on loans. Several of these reports are a great investment for ensuring you will make solid financial choices in the area of personal loans after arming yourself with the facts of the industry.

The “Beginners Guide to Real Estate Investing” by Gary W. Eldred is of course geared about real estate. However, it does have excellent information regarding personal loans. If you are considering a personal loan for real estate related issues including fixing up homes, then this report will give you quality information in both areas.

“The Book of Inside Information” explains the world of loans in very simple terms, making the process much simple to know than books full of industry jargon. This book is a great financial resource. In addition to providing you will knowledge about personal loans, it discusses the areas of family finances and managing family spending. One of the newest books out there is “The 21st Century Family Legal Guide: The Law You Must Know to Protect Yourself and Your Family”. This book is more technical, but still offers excellent information on personal loans.

In addition to quality books offering you information about personal loans, there are a few that provide you information on how to pay off debt, including credit cards and personal loans. “Live Debt Free” (3rd Edition) is full of level headed tips for doing so. This isn’t a report that promotes pyramid schemes or get rich quick schemes. Instead, the book offers forward budgeting and money management tips to help individuals devise a realistic plan that fits their income. The plan will help individuals reduce their debt in the areas of credit cards and personal loans.

Quality papers including Reader’s Digest and Money Today often run articles on types of loans. You can research the net to find great articles from these magazine and many others that discuss personal loans. Don’t forget to look for reviews including those published by the National Consumer Council on the issue of loans.

Personal loans are a very good financial tool when used properly. Take the time to read some quality books in the area of personal loans to have the knowledge a strong understanding of how the process works. To get the best results, choose books that are unbiased. You want to read the good, the bad, and the ugly about personal loans.

The more you know, the better decisions you can get regarding your financial dealings with this financial tool.

If you already take personal loans, consider reading books that provide excellent information for ensuring those loans are repaid as well as how to eliminate personal loan debt with effective debt management systems. The information is very straightforward and worth investing your time and energy into reading. The internet is a great place to search out such important books on the issue of personal loans. You can also ask for them at your local library.

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