Tag Archives: money matters

How To Borrow Money Fast When You Need It

Many different types of situations can arise where you need to come up with a way to borrow money fast. Most people are not in a financial situation to cover unexpected expenses, unfortunately. If you don’t have family or friends to borrow from, you might be looking at your options of loan companies in Corsicana TX to apply with such as the one found at www.loandepotdollars.com. Below are some top ways to come up with the money you need to get you through your financial situation.

Credit Card Cash Advance

If you have credit cards, many of them offer their customers the ability to get a cash advance from your available credit line at an ATM. This is a quick and effortless way to get a little bit of money that you need in a hurry. Keep in mind that most of the credit card companies will charge a fee for using this feature on your card.

Pawn Shop Loan

Pawn shop loans are another option to consider when you are hurting for cash. They typically have lower interest rates than cash advances and payday loans because you will be using an item of your own as collateral for securing the loan. If you fail to repay the loan in full, the pawn shop can keep your item and choose to sell it.

Payday Loans

Payday loans and cash advances are a popular option for getting some money quickly when in a financial emergency. You can get payday loans online and in local offices around town. You will need to offer proof of pay from your employment and can only borrow amounts that are consistent with how much money you make from your job. For most lenders, you will be required to pay the money back with your next paycheck.

Title Loans

A title loan is another option for using collateral to secure a loan when you need money quick. For these types of loans, you use your vehicle’s title as collateral to obtain the loan. The lender will put a lien on the title until you finish paying it off. There are no credit checks involved with getting a title loan and you can apply online or at a local title loan lender’s office.

Before you borrow money from any type of lender, be sure you are fully aware of all of the terms and conditions of it. If you have time, it will be in your best interest to shop around the different loan options available to you before choosing one.


Choosing Between Pawning And Selling Your Gold Jewellery

Image by KuVi @ Nuorten Taidetyöpaja via Flickr


If you have gold jewellery which you no longer want and are looking to turn it into cash, you can get some excellent advice on various money saving and finance blogs. There are many different ways that you can sell your gold for cash, but if you are looking for something that is quick and easy, then you may wish to consider paying a visit to your local pawn shop. You will have two options when you take your gold to a pawn shop, the first one is to sell it for cash, or you can pawn it which is short term loan against the gold, so which option is best for you?

Selling Your Gold At A Pawn Shop

 You can find and contact pawn shops all over the country, and there is usually one in most neighbourhoods that will buy and sell items as well as offer short term loans against items of value. It is important to note that when you are selling gold jewellery, you will most likely only be offered the value of the scrap metal and any precious stones, which is usually significantly lower than what would have been paid for the item in the first place.

Most pawn shops will use the latest market price for gold and offer you the going rate for the precious metals, minus their commission. If you are looking to get some cash in your pocket quickly for whatever reason, selling your gold to a pawn shop is an excellent option for you to consider.


Image by Potatojunkie via Flickr


Pawning Your Gold At A Pawn Shop

The other option open to you with a pawn shop is to pawn your gold instead of selling it. When you pawn an item, the pawn broker will offer you a percentage of the value of the gold and give this to you as cash. You agree on the length of the loan, and you have until that date to pay back all of the money lent, plus a small amount of interest, and the item will be returned to you. It is an excellent option if you just need some quick cash for a short amount of time. However, it is important to note that if you fail to pay back the loan, then you will most likely lose the jewellery, although you may see them selling it in their shop window at an inflated price. So you could still get the item back, but you may have to pay quite a bit extra for the privilege. Although most pawn shops are similar, their terms and interest rates do differ, so it pays to shop around and compare prices. Check what http://www.goldbuyersmelbourne.com.au/ has to offer and compare this with other companies that are in your local area.

You can get a lot of information on all of your local pawn brokers using the internet, which can aid you in making a decision of where to either sell or pawn your gold jewellery. If you are pawning your jewellery compare the levels of interest they charge, and if you are selling take a look at the commission they charge. Without a bit of work on the internet, you could have cash in your pocket for your jewellery in no time at all!


The Ultimate Work At Home Bundle is Here

** This post contains affiliate links. I will be compensated when you click and make a purchase. Thank you. **

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What You Need To Qualify For Debt Consolidation

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.




Use Coupons From Groupon For Great Savings

**This is a sponsored post. All opinions expressed in this blog post are 100% mine.


Everybody loves a good savings and who wouldn’t? When money is a bit scarce these days, and the holiday season is coming, then anything we can get to save on groceries, goods, and merchandise will be much appreciated.

With savings in mind, Groupon is a good place to buy the things that you need. Groupon is not only for goods, local services, and travel offers. Groupon also has “coupons” tab in the site to venture on. You can find plenty of well-known brands with great offers to help you get your money’s worth.

Here are some of the brands that I like that are offering fabulous deals in Groupon:

Victoria’s Secret
Steve Madden
Charlotte Russe
Banana Republic
Bed, Bath & Beyond
Home Decorators
Easy Canvas Prints
One Travel
Tarte Cosmetics
Kenneth Cole
The Vitamin Shoppe

…and many more!

I am considering many of my Christmas gifts to be purchased from Groupon Coupons. I can use the coupons on my favourite brands and buy the items that I like for myself (I do have my Christmas wishlist!) and for my family and friends. I still have some items to purchase to complete my Christmas list and I am excited to take advantage of the many discounts I can get from Groupon!

If you want to stretch your budget further without feeling the pinch, Groupon Coupons is your best bet for that purpose.

Find out more about Groupon on their social sites:

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