scotty - Debt Consolidation Loans

scotty - Debt Consolidation Loans

debt consolidation

Why Is It Difficult to Save Money and How to Overcome Excuses?

There are plenty of excuses that come to our mind in regard when we try to save money. A few examples include: “Don’t know: where/how to save”, “I can’t right now”, “I don’t have enough money to save”, “The prices are too high” and so on. Do you find yourself using at least one of these excuses? Then you should know that this is a mental barrier quite difficult to crack. If you are as tired of these excuses as we are, then please give our article a look and maybe we will find out together what it’s so difficult […]

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6 Ways to Spend Loans Wisely for the Holidays

It’s the time of the year again for fairy lights, Christmas carols, family get-togethers, stash of sweets, and the new year of 2019! It doesn’t have to be expensive. Here are tips on how to spend the proceeds of your quick loans boldly for your Holiday plans without feeling guilty or worried. Have a Christmas Budget It will make you save a lot, especially when your only rely on quick loans and limited budget. If ever you’ve taken a loan for this event, maximize and use the money in the smartest ways possible so you won’t regret it when it’s […]

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Finding the Keys to Successful Consolidation

Debt consolidation loan clears your debts by paying off all your outstanding debts by replacing it with an easy to pay loan with a monthly payment usually lower than your previous payments combined. It helps you better manage your debts and clear up your credit file. Know how much you owe The easiest way to do this is by getting free copies of your credit file form the three major credit bureaus in the country. You can check the updated records of your financial obligations, such as dormant accounts, unpaid debts and credit enquiries. It would also help if you […]

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Less-Known Methods of Debt Consolidation

When we talk about debt consolidation, we immediately think of debt consolidation with bad credit loans or second chance loans, the most common tools used to this end. However, this is by no means the only method we can use to save money. We are free to consolidate debt in multiple ways. Some of them are more efficient, others not as much, but it never hurts to try. It all depends on the situation an indebted person is in at a particular moment. In the following, we’ll present you 3 methods of debt consolidation you might not have heard about. […]

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10 Things You Need to Know about Debt Consolidation Loans

According to official statistics, Australia has the highest personal debt levels in the world. To be more precise, the average person earns $80,000 net, while spending as much as $169,000 per year. The discrepancy between these numbers is unsettling, at the very least. That is why many choose to get a debt consolidation with bad credit or second chance loans in order to reduce the amount of debt owed. Still, is that actually the case? Or are there any hidden risks to applying for such a loan? We plan on presenting the things you need to know on the topic of debt […]

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How to Save When Making Financial Decisions

The challenge of making wise personal financial decisions becomes stronger than ever. More people declare bankruptcy, and banks tighten their lending policies to discourage those with unstable income and bad credit from borrowing money. But how can you save money in the midst of financial trouble? Here are practical tips on how to save money while making wise decisions for your current and long-term financial well-being. Analyse your present financial situation For the past two months, Abraham was not able to pay 5 out of six credit card bills, his first mortgage, utility bills and his growing student loans. His business […]

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Understanding Debt Agreements

If you are in debt but you don’t want to go through insolvency, it is advisable to study the provisions on debt agreement in the Bankruptcy Act. But, what is a debt agreement? Can it protect you from creditors? A debt agreement is a legally binding agreement between you and your creditors, with the following stipulations: Your creditor agrees to accept a specific amount payable within a fixed time period, usually within four years. It can also be a full debt settlement with an amount lesser than the actual debts. It signed and accepted by you and your creditor The […]

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Signs You Need to Quit your Job Despite Debts and Arrears

Do you want to quit your job but your debts, arrears and limited income are stopping you? Here are signs that you need to change career and tips on how to do it right. You think your boss will sack you anytime If you think you are no longer needed, or wanted, or your boss is rooting for someone else, you might as well prepare yourself for the next career move. Otherwise, you’ll be handed your last salary without having any back up plan. We always get that gut feeling when we are to be replaced with someone else. Trust […]

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Things to Consider Before Applying for No Credit Check Business Loans

If you’re planning to apply for no credit check business loans to fund your plans, there are some things you need to consider first. 1. A loan is a loan—yes, that’s what many people often forget It’s not some sort of free money that you wouldn’t have to pay in a month or after a few weeks. Whether you like it or not, debts have huge impact on your future finances. And, it will change your budget. 2. You can use personal loans for a variety of things Here are some of the smartest ways to spend your personal loans: […]

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When Loans for Bad Credit Are Actually ‘Good’ for you

Bad credit may have an intense impact on your future credit applications, at least until you have paid off your existing loans. Or, it could be for the next seven years of your life when negative entries would be deleted from your file, permanently… No one is exempted from having a bad credit. Even the most hardworking, organised and budget conscious person, may get a very low score because of some minor or major glitches that they overlooked in the process. Here are some reasons why you have bad credit score and how loans for bad credit can fix them: […]

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