Where to Seek Quick and Easy Financing for a Financial Difficulty

There is nothing to stop for unexpected expenses to occur. You can get sick any time or your car’s tires could break down any minute. You can try to prepare for such expenses, but sometimes you still fall short. And at this point, you have to start considering what your best options are, which may include loans for people with bad credit.

What Do Loans for People for Bad Credit Do?

Loans for people with bad credit function in pretty much the same way as other conventional loans. You can use them for different financial needs such as a wedding, vacations, bills payment, groceries, health care and others. But unlike specific types of loans like auto and home loans, you can spend loans for people with bad credit to your own discretion.

Loans for people with bad credit are beneficial due to their convenient and quick nature. You can basically apply for a loan and get approved within the same day. It eliminates the need for lengthy and meticulous processing and affords you a more speedy way to address financial difficulties.

And like most loans, you can expect loans for people with bad credit to come with an interest rate. This is often higher than other traditional types of loans. Since lenders are dealing with sub-prime borrowers, they use the high interest rate as a form of leverage of still being able to make something out of this business at the same time provide you the financial relief you need.

The key to truly benefit from any type of loan is to have a good grasp of your finances and develop a can-do attitude. You must strive to find order in your finances despite the setbacks and bring them back to the right track.



How To: Save Money on Your iPod

Great Ways to Reduce the Costs of Purchasing and Owning Your iPod

If you have decided to participate in the digital age and you love music, then chances are you have an IPod. If you don’t have one, then chances are you soon will. In the world of MP3 players and online music purchasing, there isn’t a player on the market more popular then the IPod.

Still, with all of the convenience and comfort of apple’s most popular invention, it’s still a lot of money to keep up with the rest of the world. IPod’s, even the lower storage models like the Shuffle and the Nano, can be rather expensive. If you tack on the cost of extended warranties, purchasing songs, repairs, and an eventual replacement of the IPod due to damage beyond repair, the price for the leader of digital music players is pretty steep.

I’ve had my IPod for a couple of years now, and I’ve picked up some valuable, cost saving tips along the way. Let’s see if I can help you keep the cost of purchasing and owning an IPod low.

save from ipodThe first thing you need to do is think about your purchase before you make it. If you go onto the Apple Store website, you’ll see that they only offer the video IPods. There are no more 3rd or 4th generation models available there. That doesn’t mean you still can’t get a brand new one and for an affordable price. I recently saw a 4th generation 20GB IPod being offered online for under $180. That’s $70 less than the Apple store is offering a 30GB Video IPod. What the difference? Answer: The video capability. If you’re rolling your eyes or thinking that you must have an IPod with video, then think about how often you would really use. I have never ever thought to myself “God, now would be a great time to have video capabilities. If you won’t use, don’t pay to have it. The same goes for the storage size. Do you really want 5,000 songs on your IPod, or would you be ok with 2,000? This can factor greatly into the amount of money you’ll spend.

And if you are gonna buy a Video IPod, make sure you look at Apple’s refurbished section. This would be the equivalent to buying a certified pre-owned car. Apple certifies it good enough to see and offers the same warranty for that as they would a brand new one. Plus it’s generally $50 cheaper. So if you’re looking for an IPod, think about what you really want.

Once you decide which IPod you want to purchase, the next thing I would recommend is to buy yourself an extended warranty. Especially if you buy the refurbished kind, then the money you saved could be spent on an extended warranty which will give you two years of support. With two years of support this should help you to feel easy about your purchase.

The next thing to do is to buy yourself a protective skin. How many times have you dropped your cell phone? It’s just as easy to drop your IPod and it can be just as costly. Getting yourself a protective skin can protect your expensive purchase from being harmed by bumping or dropping it. It makes sense to keep it protected and it only will cost you a few dollars.

You’ll want to put music onto your exciting new purchase. Here’s what you do. First, get all of your Cd’s and put them onto your ITunes. If there is anything else that you want that you don’t have, borrow it from a friend. Save yourself the money of having to get it yourself. Also, programs like Sharetunes will allow you to copy songs from a friends IPod. Also, there are sites that allow you to get music for free. I cannot advise you to use those sites, because they are more than likely illegal, but it’s something to keep in mind if you so choose to go down that road.

Finally, if your IPod does break or begins to malfunction, investigate before you replace. First, go to the Apple Store and speak to a genius about the problem, they’ll diagnose and you’ll know what it is you’re looking at. If you can, try a third party to repair your IPod. There are dozens of them on the net and they’ll generally fix your problem, whatever it may be, for under $100 dollars. It might seem like a lot of money but it sure beats the price of a new IPod.

Downsize and Save Money

downsize houseThe news is bad, very bad. The stock market continues to crumble and banks continue to fail. The question you have is, “What’s gong to happen to me?”

What happens to you depends on what you are willing to do now. The first thing you should do is decide to save money. For most people saving money is only possible by cutting expenses. The economy is going to force most companies to cut back on costs and if major corporations have to do this, you should as well.

Jobs are in decline in the United States. No need to blame any political party. Blaming someone isn’t going to keep you with a roof over your head and off welfare. Your financial future is in your hands.

Here are a list of things you can do today to save money and put yourself in better shape to endure the financial storm that is coming your way.

  1. Cut back on eating out

The average person eats ninety meals per month. Those who eat out twenty-five times a month are spending at least one $125.00 if you figure five dollars per meal from the value menu. If you are one who frequents the more trendy restaurants you can triple that amount. And, for two people double that amount. It is easy to see that a large portion of your income is going to eating out. Say, in the neighborhood of four hundred dollars a month. The best way to save money is to eat at home even if you buy more expensive cuts of meat.

  1. Reduce your cable selection

Do you ever watch HBO? Really? Those movie channels and all those sports channels generate huge profits for the cable and satellite companies while draining your checking account. Yes, it is a status thing to have those channels but is TV status that important. Save at least twenty-five bucks a month by going basic.

  1. Plan your trips

Most of your gas expense is in short trips. Keep a record for one week of how many times you get in the car and go someplace other than to work. If your car is average it gets about twenty miles to the gallon. But, you are in the driveway adjusting the seatbelt, tuning the radio, changing cd’s and the engine is running. There are stop signs, traffic lights and school buses. How long does it take to find a parking place? These things add up and drink gas. If you can cut the number of trips you say a great deal of gas. As much as a tank full a month.

  1. Use your cell phone less

The minutes really add up in a hurry but you already know this. There is talk of doubling the rate for texting. The worst part of cell phones is you don’t know what it costs you until the end of the month when the bill comes. After you pay it you forget it and continue to use minutes like you did the month before. Get control over your talking and texting and save twenty bucks a month.

  1. Don’t pay for services

Do you really need a cleaning service or are you just lazy? How about pest control? Security alarms? Baby-sitting? Dog walking? Pet grooming? Look at your bills and decide if you really need those services. Money doesn’t grow on trees and if you are using credit cards to cover the holes then you are on a sinking ship. If you are like so many and claim to be bored most of the time then get rid of the services, save money and have things to do.

  1. Watch your tipping

Eating out is expensive and then you add the fifteen per cent tip. Tipping is not an obligation; it is a reward for better than average service. Your mailman, paperboy and any other person you tip is getting paid. Your tip doesn’t have to be fifteen percent; it has to be what you deem the extra special service they render is worth to you.

  1. Drink tap water

Who is going to know if that expensive labeled water isn’t a refill from our tap? By buying one of the screw-on tap filters you can have safe, clean water and save money.

  1. Turn off your computer

The average desktop computer eats electricity like a fat man eats move popcorn. Leaving your computer on 24/7 is giving away money. Just by cutting the computer off while you are at work and at night while you sleep you can save twenty bucks a month.

  1. Unplug unnecessary electrical gadgets

Standby doesn’t mean it isn’t using juice. Tour your apartment or home and see how many things are plugged up. The printer, the alarm clock, the surroundsound, the microwave, the cordless phone… Each uses electricity even when not in use. “Not much!” You say but after counting all those items can’t you see that altogether they are consuming a great deal? Pull the plug when not in use and slow the electrical meter to a crawl.

  1. Dial back on hot water

If you live in a house you have control over the hot water. There is a small panel on most hot water heaters that can be accessed by removing one screw. Inside is a dial that sets the temperature. Lowering it to 110 degrees is plenty warm for most everything you want to do. Leaving it at 180 or 160 more than doubles the cost of hot water.

  1. Don’t use your debit or credit cards

The best way to save money is not to give it away. Credit cards are manna from heaven for the banks. Unless you are bleeding to death don’t use that card. Put your debit card away too! Yes, it is handy – way too handy. You buy things you don’t need for prices you haven’t considered. If you really, really want to save a chunk of change don’t carry credit cards or debit cards on your person. Carry cash! Most people know where they are going and what they are going to be doing. If money is required get the cash. With a cash only system of daily living you will cut back on spending.

  1. Cancel unused gym memberships

You should be working out but you aren’t. Every week at least once you say, “I’ve got to get to the gym” but you don’t go. That thirty-five to fifty buck membership is getting you nothing. Cancel it and get a jump rope, hand weights or bowflex. Stop throwing money away on “I should”.

  1. Only wash whole loads of laundry

In real estate it is “Location, location, location”. In the home it is “hot water, hot water, hot water”. The more you wash the more it costs when you are doing half-loads or one item washing. If you insist on so many loads at least use cold water. If you must use hot don’t turn it on until it’s full.

  1. Time your showers

Three minutes is ample time for a guy to hit the shower. Five for a woman. Don’t ask me why it takes women longer. Point is a twenty-minute shower is a coal miner’s delight, the meter really winds out. Buy a small windup kitchen timer and at least set it for five minutes. The average shower pumps 2.2 gallons a minute. A twenty-minute shower is 40 gallons of water of which at least twenty is hot. A twenty-minute shower is roughly $2.00 in electricity. Thirty showers a month is about $60.00.

  1. Carry your lunch

As kid you ate lots of peanut butter and jelly. Not exactly a Rueben or a Philly-steak which you pay at least six bucks to get. It is all but impossible to eat lunch for under three dollars. If you do then there are those snacks at three. Keep a record for one week what you spend for food between 8 am and 5 pm. Put in all of it from crackers and soda to the payday Friday lunch out with friends. Doesn’t peanut butter and jelly look appealing at least two days a week? The average person will spend seven dollars a day or $140. a month.

Rule # 1 – Don’t spend if you don’t have to spend it. Money supplies are getting tighter, credit is getting more expensive, inflation is rising and jobs are being lost. Companies are downsizing and you should downsize before you lose it all.

Cutbacks that Save Money

Cutbacks aren’t exactly fun but sometimes they are necessary. We had to make cutbacks as a family when I was diagnosed with cancer and could no longer do the same type of work I had before.

Cutback Number One
cutbacks moneyThe first thing to go in our house was cable. I really don’t even miss it. There are so many cheap alternatives like Netflix and Hulu, reading, and outdoor activities. We really don’t watch very much television even when we have cable. My cable bill was around ninety dollars per month and I now pay fourteen dollars for instant streaming services. That change alone saves seventy-four dollars per month and almost nine hundred dollars per year.

Cutback Number Two
Name brand groceries are always more expensive than the store brand and most things taste the same. There are some items that I still buy at the more expensive price but most items I buy at a discount. I also started growing my own vegetables and even planted fruit trees for the future. I used to spend thirty dollars per week on produce alone. Now I only buy fruit and have a ten dollar budget for that. Between growing my own produce and buying cheaper brands, I estimate that I save about one hundred and eighty dollars per month. That’s a little over two thousand dollars per year.

Cutback Number Three
We still have cellphones but I very carefully went over my contract and it turns out I was being overcharged by about one hundred dollars per month. I noticed that I was paying twenty dollars per line for unlimited internet use. However, when I looked at the bill and each persons use; no one ever went over the amount that we could have for free. That saved sixty dollars per month. I was also paying for unlimited talk and text. For some reason, even though we had this, I was being charged forty dollars per month for something called even more talk. How silly is that? Good thing I checked. I definitely didn’t need even more talk when I already had unlimited talk. The phone company refused to refund what I felt I had been overcharged but my phone bill has gone down dramatically. This saved around one thousand two hundred dollars per year.