Tag Archives: money matters

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. **

Are you a stay-at-home mom or dad and wants to contribute something to the family’s household income without sacrificing your family, and time? Well, here is the answer to that –

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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.

grouponcouponhomefamilyheart

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
Express
Banana Republic
Bed, Bath & Beyond
Home Decorators
Naturalizer
Nordstrom
Skechers
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:

Facebook Page
Twitter

 

#GrouponCoupons #ad

Stretch Your Budget This Holiday Season With Discounted Goods at Groupon

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

I have made my Christmas list a bit early this year because I would like to really see how far I can stretch my holiday budget this time. Last year’s budget went over because my husband and I got hooked with the Black Friday deals. Next thing we know it, we were buying so much for gifts for families and friends.

I told myself that we will not make the same mistake again. Money is a bit tight this year but it doesn’t mean we cannot allocate a portion for gifts for families.  After all that we have been through the early part of 2016, I feel it is right to celebrate (albeit not as fancy as our previous holiday celebrations) to honor my late mum’s fond memories of Christmas. She loved the holidays. She loved giving gifts. She loved entertaining guests and decorating the house with festive things.  And I will certainly keep that tradition in the family.

I am glad that I managed to save enough to use to buy gifts this Christmas so I need not panic on that. I know that I can find plenty of discounted stuff from Groupon to stretch the budget further.  Aside from the gifts, we already bought Christmas decorations to spruce up the place.

lemaxchristmasvillage-homefamilyheartcom

Last week, I bought my first Lemax Christmas Village. We also have other decorations that need to be displayed. However, I don’t want the batteries to eat so much from the budget allocated for the gifts. So I found a really good deal from Groupon Goods to buy the batteries in bulk or even get those rechargeable ones so I don’t keep on replacing the other batteries for the decorations.

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(Photo from Groupon)

 

I will be scouring Groupon for more great finds. Groupon has plenty to offer, from fashion, to toys, to shoes, to electronics, to household items, to travel, and even services! I don’t have to go anywhere to get the best deals because Groupon has them, and all these at the comfort at my home.

You will certainly find many items you may consider as gifts. You don’t have to break your head thinking too much of what to give because of the many selections in Groupon. Just take your pick, click on the product, and pay! Saves you gas because the goods will be delivered to you (check their shipping policies). It’s convenient and no worries on parking woes! Groupon is your go-to online shopping site for your many needs!

How about you? Have you made your Christmas gift list? Have you managed to set aside a budget for the coming holidays?

 

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