Bad Credit Loans Blog

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Changing Your Home Loan and Finding a Better Deal

Making the decision to switch home loans could save you a lot of money in the long run and provide additional features. Before taking the step, sum up all the costs that this change comes with. Although some credit providers might give you a better interest rate, the total costs of changing lenders won’t be worth it. Instead of looking around not knowing what to search for, follow these steps that will ensure you get the best deal possible. Get an Idea of The Market and Use a Key Facts Sheet Always start by using a comparison website and search […]

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Staying on Budget with Prepaid Credit Cards

When you think of budgets and credit cards, you probably cringe. No one wants to go further into debt while maintaining a budget. The good news is that you don’t have to go into debt. Stick to your budget with a prepaid card   Whether you’re going on vacation or doing your weekly household shopping, you can load (add cash) to a prepaid credit card. This is a perfect way to know you are fully funded with a certain amount of money. Unlike traditional credit cards, you can’t go over your limit and there is no interest charge because you […]

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Budgeting Mistakes and How to Avoid Them

Budgeting shouldn’t be too hard, right? In fact, most Australians do this regularly, and it is a technique that can have some impressive results. Still, many people are disappointed after creating a budget and give up on this idea. Generally speaking, there are a few mistakes that can lead to failure, and once you can no longer respect your budget, you may consider it useless or feel frustrated that you spend too much regularly. Budgeting Mistakes Building a budget that is too strict If you ever made this mistake, you surely remember the excitement of creating a budget, and then, […]

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Dispel Fears of Living Pay Check to Pay Check

Living pay check to pay check means that you can barely manage to cover all your financial obligations with your current earnings. There are numerous Australians who are struggling with this. The bad news is that such a status is usually equivalent with economic vulnerability, and it also triggers a lot of fears. But the key to success is learning to get free of them. Otherwise, you will be stuck with them for a long time, and you will not be able to progress. Living Pay Check to Pay Check You don’t need to give up on all the things […]

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Why Being Single Pays Off

There’s an advantage of being single. It’s not a bad thing. Maybe you haven’t met the right one or not just ready yet, so what? Being single either by choice or by destiny is not a negative thing. Not every couple is happy. Most of them are facing infidelity and financial issues. They get stressed often times which is not good. Unlike singles, they are independent, they have more money for themselves and they are free as a bird. Being single allows individuals to join their families and friends anytime they want. They don’t lose the bond with these people. […]

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Top Gardening Tips for this Summer

Gardening is an activity which the whole family can enjoy especially during summer. Planting lush greens and flowers add beauty to any garden. Trees provide instant shade to protect you from heat and direct sunlight. Plant a variety of blooms to add colour and choose fragrant flowers to keep your surrounding smelling sweet. There a lot of things you can do to improve your garden. Gardening may sound like a pensioner’s hobby but it doesn’t need to be. It can actually relax you after a long day of stressful work. Just the act of planting something and watching it grow […]

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Wedding on a Budget – Backyard Wedding

If the most awaited event in your life – your wedding – is steadily approaching, you’re already on the path you wish to be. Whether you are into a backyard wedding or a beach wedding, before eliminating these alternatives, you should hear the main reasons why a backyard wedding can be an excellent option. Wedding on a Budget Save some cash First and foremost, allow me to begin with the most obvious reason you should opt for a backyard wedding – it’s free. Not entirely free, but, imagine that you wouldn’t have to pay for the venue hosting your wedding. […]

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Buying a Used Car Instead of Buying New

Many people will buy a used car instead of a new one every time. Some people will always buy new, for the implied quality guarantee. But if you research it properly, buying a used car can be just as good, if not better. New cars lose a lot of value as soon as they’re driven off the lot, and not all cars hold their value over time. Going straight for a second-hand model doesn’t have to mean investing in a lemon. How to Buy the Best Used Car You Can Do your Research Narrow down your search by picking a […]

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Should I quit my job? The answer is NO

When you work full time from 9 to 5 every week day, you may feel like you’re in a rut if you’re not having fun. It’ll start to feel like a never-ending cycle of the same tasks every single day and you just feel bored and hopeless. Times like these make you think “Should I quit my job?” “Is this right for me?” “Where am I going with this job?” The quick answer is “Stop thinking negative thoughts” Of course some people are stuck in a job they hate, stuck in a work environment that’s physically and mentally damaging them […]

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Creative Budgeting – Living on Tight Budgets

Budgeting is the key to save money. How do you save? Do you spend first and save what is left or you save first and spend what is left? Do you save a portion of your monthly income? What if your income is just enough for your monthly expenses? It is time to cut your usual expenses. You may not notice it but you probably have been spending on the wrong item, or you live a lavish lifestyle. Budgeting is normally what moms do and with a little creativity they make the most out of it. Everyone can put themselves […]

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