How to Overcome Bad Credit

Having a bad credit rating can be difficult. It will mean that you will be unable to get credit for other things that you need and it may stop you from getting a mortgage as well. If you can borrow money, you will be seen as more of a risk and will be charged a higher rate of interest as a result. You may therefore want to repair your credit rating so that you can have more opportunities in the future.   Pay Bills On-time By paying all of your bills on time, you will be able to prove that…

   

Can Someone Unemployed Get A Personal Loans with Bad Credit?

Being unemployed inevitably throws your finances into chaos. You have no money coming into the home, assuming you are single, and the bills start to pile up. In the short-term, you need to find a source of money to pay off your expenses, or loans you’ve already taken out.   And if you have bad credit your bank will turn you down for a loan. There’s an alternative, though. Even if you aren’t in work, you can still get a bad credit personal loan. It does differ for people in this position, though. This article is going to cover more…

   

Top Risks Associated with Taking Out a Loan on a 401k

The majority of 401k plans allow people to withdraw a loan from the account, and so many people do take advantage of this. In fact, an average of 13,000 people take a loan out from their 401k every month, for a median of $4,600. Yet, about 10% of these people end up defaulting on their 401k loans, which is usually caused by a job loss or change that they did not anticipate. On top of this, there are some risks involved. Here are some of the top risks to look out for when considering taking out a 401k loan.  …

   

Pros and Cons of Donating Your Car to Charity

If you are thinking about donating your car to charity then it is important to be fully aware of both the advantages and disadvantages of giving away your car. You may reaffirm your decision with all of the positive aspects of donating your vehicle, or could discover that the drawbacks are not worth the good deed. Here are some advantages and disadvantages to donating your car to charity.   Advantage: Doing a Good Deed   One of the more obvious advantages of donating your car to charity is that you will be doing a very good deed without putting a…

   

Is a Personal Loan on a Mortgage a Good Decision?

Buying a home is a complex decision that depends on your current goals and the local market. There will come a time when you find yourself settling down to live in an area for several years, and thus have the freedom to make decisions designed to save you money over the long term.   One of the best ways to save money is to create a situation where the vast majority of the currency used in housing is recouped through the eventual sale of the home. While the value of a house rarely outpaces inflation, the amount spent in maintenance,…

   

How Car Dealers Take Advantage of People with Bad Credit

Buying a car can be a stressful event for those with limited means. In particular, the fear of not qualifying for a loan, or it being too expensive, will drive people to look at questionable dealerships promising to work with anyone, regardless of credit history. The problems with these companies all lie in the fact that they profit off of interest, rather than the car themselves.   High Interest Rates   People with poorer credit do not qualify for lower interest rates. Car dealerships know this, and specifically target those with the poorest credit possible. In the event that they…

   

5 Items to Avoid Buying Before Your Child Heads Back to School

Some school-related items won’t drop in price until after the back-to-school sales are over. Plus, if you rush to buy everything now, you might discover that many of those purchases weren’t necessary once classes start. So to avoid spending more than you have to, here are seven things you should avoid buying before your child heads back to school.   Fall Clothes   Although many retailers are offering small sales on clothes during their back-to-school sale, you most likely won’t get the best deals until mid fall. If you hold off on doing most of your kid’s back to school…

   

Payday Advance Vs Going to a Pawn Store

Emergencies pop up from time-to-time and money isn’t always available to take care of those emergencies. It is important to know that you have options to help you get the funds you need. Payday loans and visiting a pawn store are two of the most commonly used options to help you deal with those emergencies. Each has benefits and drawbacks, which are discussed below.   Advantages of Obtaining a Payday Advance   Payday loans are quite convenient. The amount that you are qualified to borrow is based upon your income in comparison to other necessary bills. As long as you…

   

How Bad Credit Can Cost You That Dream Job

Many people do not consider that having a bad credit record could affect their employment prospects. However, potential employers have a right to look at credit records and having a bad record may cause them to feel that you are not employable. The reason or this is that not being good with money may cause people to draw negative conclusions about you. Examples of some of these are explained in more detail below.   Bad Head for Numbers   If you cannot get your bank account to balance each month it may imply that you are not good at doing…

   

5 Tricks for Eating Healthy on a Budget

Although eating healthy on a budget is indeed more difficult, it is not impossible, and so being low on money should not be an excuse to eat poorly. Luckily there are ways to eat a nutritious meal without breaking the bank. Here are five ways of cooking a delicious as well as healthy meal when you are on a tight budget.   Make Food that’s Microwavable or Easily Made Later On   When on a budget it isn’t a savvy move to make things that won’t be edible when reheated or cold the next day. This means avoiding crispy food…

   

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