Tag Archives: getting
Take A Vacation using a Payday Advance
The recession has been difficult for many to endure. Endless days of working with no breaks to refresh oneself is sure to shorten your lifespan and leave you feeling in the doldrums. If youve gotten into a cycle of misery and depression, it is wise to break that cycle somehow. Going to the gym, going for a walk, picking up a new sport, and reading a book are a break, sort of. Well, actually, youre not really getting away are you?
Vacations have a cost and if you dont have a credit card, a payday loan might be enough to help you escape for a week or two.
Part of the problem with a rut is that our surroundings, our immediate environment, never changes and yet the human mind requires a fresh change. Sameness causes lethargy and a lack of creativity. The change in scenery, people and activities revitalizes the mind. Despite what many TV talk show hosts might say, you cant think away boredom and stagnation. The endless repetition we all endure at work is usually accompanied by routine at home too. You may have tried to change your routines or tried to develop a hobby at home to give your mind something new. Thats simply good enough.
This winter, we had some of the worst weather in the history of the UK. We felt confined and worn out from the tyranny of the weather. Its strange though, that those who live in Mediterranean feels the same way, that life is routine and the weather is oppressive. They too need a vacation.
For you a trip south brings with it unfamiliar surroundings, culture, new music and entertainment, geography and wonderful amounts of sunshine. That change has an impact on your senses and brain chemistry. Its better than getting another prozac prescription from your doctor.
How do you fund an emergency vacation if you dont have a credit card to use? A payday loan is a good solution. Over a short period of the loan, the charges arent too bad and well worth getting away to revitalize yourself. The payday loan application is fairly quick and you can apply online. Payday loans dont require a traditional credit check although the reputable payday lending companies will have other means to determine if youre an acceptable risk. You should only apply with reputable payday lenders.
Unscrupulous payday loan companies get that way because theyve lent out to borrowers who have forfeited or because they have trouble recouping their money. If a payday lender is giving out money too easily and quickly, it stands to reason they may have some bad loans. Look for a payday advance lender in London that has good lending practices.
The major banks dont provide short term loans or payday loans. The payday loan market however is strong with hundreds of thousands of people taking out payday loan accounts. Its a simple process really and you can borrow from £300 to £750 or more. Small loans of this amount are easier to manage, but make sure you make your loan payments on time and dont roll over your payday loan amount owing too long.
Good luck with your vacation to Spain, Portugal, Greece or Italy or the Alps. Find an economical holiday spot and come back in a new frame of mind.
Futureproofing Your Finances: A Graduate's Guide (Page 1 of 2)
With every passing year, employers place more and more importance on the ‘right’ degree, even for entry-level positions, so it is little wonder that more school leavers than ever before are choosing to continue with Higher Education.
Since the UK government abolished means-tested maintenance grants in 1998 and introduced tuition fees soon afterwards, the cost of getting a degree has increased exponentially, with an alarming proportion of new graduates leaving university tens of thousands of pounds in debt. The future looks bleak for the current generation of graduates. The ‘job for life’ has become the stuff of legend, and state pensions are at risk of being phased out.
It’s easy to put off getting your finances properly on track, especially if you’re working full-time and managing to keep your head above water, but those loans and overdrafts that were so easy to get when you were a fresh-faced eighteen-year-old need to be dealt with now if you want to enjoy a decent lifestyle by the time you are middle-aged.
We’ve identified some of the key things you can do to get on the road to financial freedom as soon as possible.
Make a plan
List your short-term and long term life goals. Do you want to be able to afford a new car or invest in property? Start a business? Get married or have children? Having a rough idea of the direction you want your future to take will provide the framework on which to base many important decisions.
Kill your debts
This one is vital! As long as you owe people money, you will feel like they own you. If you have outstanding student loans, bad credit cards, unpaid bills or similar debts, ignoring them will only make them grow bigger, and if all you can afford to pay is the minimum charge every month, all you will be doing is paying off interest without ever repaying the original loan. It’s important to break out of the cycle of debt, but it can also be a very daunting prospect, especially if you are being harassed by many creditors. If you can’t find enough hours in the day to organise repaying your debts properly, or simply feel you don’t know where to start, it’s worth finding a personal debt management firm to help you get back into the black. As long as you are in debt you will not be able to save any money, which brings us to:
Start Saving Now
We’re not saying that you shouldn’t spend money on consoles, new stereos and so on but at least make sure you put aside 10% of your salary in a savings account for use in future emergencies. We don’t want to sound fatalistic, but there will always be future emergencies!
Cut Day to Day Expenditure
The internet offers hundreds of ways to save on all manner of products and services. There are price comparison websites, sites that collect discount voucher codes that you can use when ordering all manner of things online, from new PCs to take-away pizza. If you find a voucher online that saves you some money, put that money into your savings fund as well. Sites like MoneySavingExpert are dedicated to helping consumers claw back as much money as possible from the corporations.