Many people suffer from stress that is brought on by their debts, and these times can be very nerve-wracking, especially if you have a family. There is a wealth of advice freely available on the moneysmart.gov.au website which you may find useful if you are struggling with your personal finances. One option that may be open to you is to consider a consolidation loan, which will lump all of your debts into one easy manageable monthly payment, which can also potentially save you money by paying less interest. However, these types of loans are not suitable for everyone, and there are criteria to match to qualify for this kind of loan. So, who will quality for a consolidation loan?
Owners Of Collateral
If you have collateral, then you will find that it is much easier to get accepted for a loan. There are many people across the country each year that will get refused a loan because they do not have any collateral. If you own a vehicle or property, then this can be used as security against any loan that you take out. It is worth pointing out though that if you default on the loan, then you will also be at risk of losing the item that you put up as collateral against your loan.
People With Good Credit History
You will also find it easier to get loans for debt consolidation from Debt Fix or similar companies if you have a good credit history. You will often find that having no credit history is considered just as bad as having an atrocious one by the financial institutions, so if you have things like a car loan, mobile phone, or other forms of small credit, then this can help you to get a consolidation loan if you require one.
Those Who Earn A Decent Living
You will find that it is also much simpler to get a consolidation loan if you have a good job that pays well. Many people will get refused for a consolidation loan if their amount of debt is 40% or more of their total earnings, so having a good salary will make it easier to lend money when you need to. Of course, it is also simpler to get into debt when you earn more money as many companies will make it easier for you to run up large bills, so it is something with which you need to be careful.
Applicants Who Don’t Have Too Much Debt
You will be the perfect applicant for a consolidation loan if you have collateral, earn a respectable wage, and also do not have too much debt already. As mentioned above, finance companies do not like their customers to have too much debt, so as long as their level of debt is manageable and the applicant earns a decent living, you should be able to apply for and receive a consolidation loan.
Just remember that it is worth your time and effort to shop around and make sure that you get the best deal possible, as no two financial companies are the same. With a good credit history and regular money coming into your account, getting a loan to consolidate all of your debts should be simple, helping you to get your head above water and rid yourself of debt once and for all.
As the Winter comes to an end, the planning that homeowners have been doing surrounding their remodel ideas will start to be put into action. Remodeling in the Spring is a great idea because it gives you the rest of the year indoors and outdoors to enjoy the work that has been done.
Here are some ways that you can get ready for a Spring Kitchen remodel this year:
Have a 3D model built for you:
If you have ever been cabinet shopping before, you will likely remember that a lot of cabinet showrooms have beautiful kitchen display units already built. So it is possible to travel around to different showrooms and view the latest designs by local manufacturers. At the same time at companies like www.instockkitchens.com, they stock all their inventory in their warehouse in Pennsylvania, but they display it all online. In order to help you to make the best possible choice, they have an online 3D Model option that will allow you to create 3D models of what you want with a consultant for free. Once you have your model, you can compare it with what you intended to do so that you can validate that it is the best choice for you.
Consider refacing as an option:
When you reface your cabinets, you continue to use the exact same cabinet configuration in your kitchen. The upgrade is where you pull the wood off the facing and then pull the door and drawer faces off and replace them with a new design, style, and color. An installation like this takes almost no time. Normally the homeowner that requested the upgrade will end up saving quite a bit of money on affordable quality cabinets that end up looking like they are installed custom cabinets when they are done.
Use customer service online to help you design:
You are likely pretty busy. You don’t have time to run around to 100 stores hoping that you will bump into the perfect cabinets for your home. If you decide instead to purchase your cabinets online at a place like instockkitchens.com, feel free to use their customer service to answer any questions that you have about the design process. Stores that are online to help you save money often staff their website with expert employees that can give you pointers that will save you time and money
**This post contains affiliate links and I will be compensated if you make a purchase after clicking on my links.
Let’s admit it! Some of you may be in the panic mode now because Valentine’s Day is just few days away. Have you bought that nice bouquet of flowers for your special someone, for your mum, for your lovely best friends who also deserve recognition this Love’s Day?
Well, I have several discount codes you can use for BloomThat so you can purchase that beautiful bouquet this Valentine’s Day. Just take note that they are good only until Feb. 14!
the TU HOT TU HANDLE
the PINK ME UP
Orders placed today through February 14th can get 20% off their order with code LOVEIT20.
New customers that order fresh blooms today through February 14th will get a free vase and caramels with select blooms. No code required.
New customers that order fresh blooms today through February 14th can get 15% off their order with code VDAY15.
Blooming the USA from coast to coast, BloomThat delivers fresh blooms like these the next day anywhere in the U.S. or the same day in New York, Los Angeles, and San Francisco.
It’s not too early to start thinking about prom. And, it’s certainly not too early to think about the price of prom. If you start adding up the costs, it can end up with a big amount. Consider the price of a prom-posal, prom tickets, dress and prep, the cost can be bigger that what you expect. There was a survey that noted that “the average U.S. family plans to spend about $919 on a prom-going teen, with parents covering as much as 73% of the costs.” Believe it or not, prom costs are actually going down — that $919 quote is actually less than a quote from 2013 ($1,139).
Whether your peers are thinking that prom is actually a three-hour dress-up party that requires less extravagant spending or, feasibly, that teens are realizing they need to contribute more to the cost, rather than relying on their parents to foot the bill. Some parents may not be able to help pay for any prom expenses.
That said, one of the best choices a teen can make is to look into helping pay the costs, by getting a part-time job. It’s important to look into jobs that will not cut severely into your school and study time. If you are an athlete, with team practices to take into account, it is a solid factor.
You’ll want to look elegant for prom, so you might want to opt for black prom dresses from Peaches Boutique. Black is a solid color choice, as it is elegant, sophisticated and coordinates well with accessories. You may have an idea on what you’ll wear for the big night but you also have to consider about the costs.
A job, albeit part-time is great to put on your college application. Here are some suggestions noted as the top teen jobs, as noted by the website Money Crashers:
- animal shelter worker
- arts & crafts, production and sales
- car wash attendant
- document and photographic archival services
- grocery store employee
- landscaper/lawn care
- pizza delivery (tips!)
- packing and moving services
- personal assistant services (including dog walker)
- restaurant wait staff
- retail jobs
- warehouse and distribution job
- web designer
There’s are job sites on the Internet which breaks down jobs that start hiring staff as young as the age of 14. They have lists of jobs for those who are 15-years-old and those who are 16-years-old. Most teens, during the school year, are going to be looking for part-time work. During the summer and holiday breaks, though, teens may want to extend their working hours to get the maximum amount of salary received. There’s a helpful list of chain stores which hire teens when they are 16, and includes:
- Coffee Bean & Tea Leaf
- Toys ‘R’ Us
- In n Out burgers
- Burger King
- Best Buy
- Jamba Juice
- Nike Store
- Dunkin’ Donuts
- Pizza Hut
- JC Penny
- TGI Fridays
A handful of stores will take 15-year-olds and even more will take teens starting at the age of 18-years-old. With the money you earn from your part time work, you’ll never have to worry about prom costs. You can surely get that dress you’ve been dreaming of!