Your birthday is at the door. It’s about to knock. You’re now 21. It should be celebrated. You’re now an adult. It is a leap that must be marked with a memorable party. Nothing should stop you from launching your 21st birthday party…not even a fear or the lack of money. With a proper budget, you can have a nice party. And this article shows you how to plan your birthday party on a budget. How much money do you need to budget for the birthday party? The required amount to be budgeted for your birthday party is BPC: Birthday Party Cost (BPC) = $ [GC + NGC] Where, GC is the Guest Cost, and NGC is the Non-Guest Cost. Let’s discuss the guest cost and non-guest cost. Guest cost is the amount of money required to cater for the guests at the birthday party. It shows how much you need to fund everything to satisfy your friends, siblings, and other attendees at the event. The GC depends on the number of guests you will invite. On a budget, a birthday party that attracts 60 attendees should be more expensive than the one that attracts 16 attendees. Get the number of guys you want at the party. Make a list of names of relatives, friends, and peers that you want them to be present at the event. After getting the attending number, determine the party’s worth. Decide the types of drinks, foods, presents, and take away snacks. Calculate how much it costs to get the package for each person. Then multiply the number of people on your list with the calculated cost. To avoid disappointment, add at least 15% of the number of invitees on your list. You know…your invited friend may bring his/her fiance or an uninvited guest. Do the arithmetic. And term your answer as Guest Cost (GC). So, Guest Cost = $ [(NAL + 0.15 X NAL) X CP] Where, NAL = Number of attendees or invitees on your list. CP = Cost of catering per person or invitee. The Non-Guest Cost is the amount of money required to cater for the venue, rental (like chairs and tables) or party space, birthday cake, games, entertainment, invitation cards, and other issues that do not have any direct receiving link with your guests. So, NGC = $ [VC + RC + BcC + GC + EC + OC] + 0.15 [VC + RC + BcC + GC + EC + OC] Where, VC = Cost of the venue RC = Cost of the rents (chairs, tables, plates, spoons, speakers, iPod, and the likes). BcC = Cost of making or buying a birthday cake. GC = Cost of buying games like chess, scrabble, videos games, and the likes. EC = Cost of entertainment, DJ, and related entertaining rants. OC = Other Costs. Take for example; David wants to know how much he needs to budget for his 21st birthday party. The cost to satisfy a single person at his birthday will be $20. And he expects 30 attendees at the party. The venue costs $100, the rentals cost $120, the birthday cake costs $65, the costs to hire a DJ is $150, and other things cost $10. So, David’s Birthday Party Cost = $ [GC+NGC] The Guest Cost, GC = $ [(NAL + 0.15 X NAL) X CP] = [30 + 0.15 X 30] X 20] = $90.00 The Non-Guest Cost, NGC = $ [VC + RC + BcC + GC + EC + OC] + 0.15 [VC + RC + BcC + GC + EC + OC] = [100 + 120 + 65 + 0 + 150 + 10] + 0.15 [100 + 120 + 65 + 0 + 150 + 10] = $510 Thus, David’s Birthday Party Cost = $ [510 + 90] = $600.00 You can’t know how easy budgeting is, until you start. It is very simple. Study the steps illustrated in this section. You can use those ones to arrive at the amount of money your birthday requires. How Do You Get the Money to Fund the Party? You can get it from your pocket. If you are broke, you can get it from your relatives, friends, or parents. If they can’t offer you the money, you have to take out a payday loan online as it one of the best type of loans to seek to fund a birthday party. How to Reduce the Budget? Perhaps you want a lower budget. Then you should have your birthday party at home. Venues are expensive. You can have a house party. But, you may not be allowed to make the noise that you would like and you will have to be responsible for such service. And if your mom is a good cook, there is no need for a catering service. You just need to money to buy raw food, drinks and the birthday cake. Rent a good speaker, instead of a DJ. Let your friends do the DJ’s job. Cleaning up after party can be difficult. But you and your siblings should do that. If you would be having your birthday party at home, don’t you think you have to spice up the party with some ideas? 21st Birthday Party Ideas at Home Nobody loves being bored. You can make your guys have much fun, even if you won’t take them out. Right from your home, you can spice up the party:
Conclusion This article shows you how to plan for your 21st birthday, how to calculate and budget the money needed for the party, where to get the money, and how to spice up the party with 21st birthday party ideas.
Happy birthday to you in advance, and may your day be filled with happiness. Source: How to Plan a 21st Birthday Party on a Budget? from AchieveFinance So, your youngster is now 16. You’ve done a nice job. I’m happy for you. But this can be his last birthday before he leaves for college. So, these are his last days at home. This birthday must be remarkable because any other birthday after 16 could be done at the campus, and you won’t be there. So, take your time and make the latter unforgettable for your child. And for you to plan a sweet 16 Birthday Party on a budget can be challenging. But this article is helpful. It makes the planning processes clear, easy, and exciting. How to Determine Your Budget for the Party Having a party without a budget can bruise your bank account. Ensure you know how much the party requires. Cut out the budget by implementing cheap, sweet ideas. Plan the budget with your child. Don’t do it alone. Give him the power and free will to choose. And you should discuss with the latter how much you can afford from what he has chosen. Enforce boundaries on everything that the birthday party needs as your budget depends on the guest list. It shows the number of guests that are likely to be present. As a result, you should compile a guest list if you haven’t. And remember, the more the guests, the more the party will cost. At first, set an imaginary number of people you can cater for, and let your kid fill the latter with friends. Doing so will save up money. How Much Money Costs A Sweet 16 Party? If you can do some arithmetic, let the required amount of money to be budgeted for a Sweet 16 party be SPC: Sweet 16 Party Cost (SPC) = $ [GC + NGC] Where, GC is the Guest Cost, and NGC is the Non-Guest Cost. The money to be spent on getting foods, snacks, and drinks for the guest is called the guest cost and the just mentioned can be calculated by using the formula below. Guest Cost, GC = $ [(NAL + 0.15 X NAL) X CP] Where, NAL = Number of attendees or invitees on your list. CP = Cost of catering per person or invitee. While the non-guest cost is the amount of money that will cater for other expenses apart from the guest cost. It can be obtained by using the formula below. Non-Guest Cost: NGC = $ [VC + RC + BcC + GC + EC + OC] + 0.15 [VC + RC + BcC + GC + EC + OC] Where, VC = Cost of the venue RC = Cost of the rents (chairs, tables, plates, spoons, speakers, iPod, and the likes). BcC = Cost of making or buying a birthday cake. GC = Cost of buying games like chess, scrabble, videos games, and the likes. EC = Cost of entertainment, DJ, and related entertaining rants. OC = Other Costs. To give you an idea of how to use those formulas, permit me to cite an example. If the cost to get food, snacks, and drinks for a single person invited to his sweet 16’s party is $20 and you have 30 attendees on the guest list, you will have. The Guest Cost, GC = $ [(NAL + 0.15 X NAL) X CP] = [30 + 0.15 X 30] X 20] = $90.00 And let us say the venue costs $100, the rentals cost $120, the birthday cake costs $65, the costs to hire a DJ is $150, and other things cost $10. Then, the Non-Guest Cost, NGC = $ [VC + RC + BcC + GC + EC + OC] + 0.15 [VC + RC + BcC + GC + EC + OC] = [100 + 120 + 65 + 0 + 150 + 10] + 0.15 [100 + 120 + 65 + 0 + 150 + 10] = $510 Thus, the Sweet 16 Party Cost = $ [510 + 90] = $600.00 You can reduce the budget by hosting a house party instead of renting a restaurant or a party space. Where can you get the money for the party even if you don’t have? You know how much money you want to spend and how you will spend it, but how can you get the money? Where can you get the money from? If you can’t get the money from your savings, you don’t have to disappoint your child. You can take out a personal loan online. Without leaving the comfort of your bedroom, you can get a loan approved for the party. Ideas for Sweet 16 Birthday Party Activities on a Budget You can make your child and his peers experience a memorable party with the ideas highlighted as we proceed. Set a Perfect Time and Location for the Party: Choosing a time for the party can be daunting if your child’s date falls on a working day. So, the perfect time to have a birthday party on a working day is the PM Hours. Ensure your child notifies all his friends of the party’s time before the day. As you prepare for the birthday, get a location and book the venue. Perhaps you want to run the party on a low budget and in that case you can consider using your home.
Conclusion We’re done. You are free. Proceed with the preparation. Make the party awesome, memorable, and remarkable. It may be your child last birthday at home. He will leave for college soon, remember!
Source: How To Plan A Sweet 16 Party On A Budget? from achievefinance.com When facing a financial emergency where you feel there is no way out, getting approved for a payday loan can be of great help. Despite being known for their high interest rates, such loans provide quick and easy cash when in urgent financial need. This may come as a surprise, but payday loans online are in fact quite popular among specific borrowers! Generally speaking, payday loans have high approval rates when compared to conventional bank loans. Furthermore, a payday loan is typically approved within a few hours and funds almost immediately deposited into your bank account sometimes in as little as 24 hours. That all sounds great, right? Well, it’s equally important to keep in mind that many requests are in fact rejected – it all comes down to the individual criteria. 7 Tips to Getting Your Payday Loan Approved Are you in desperate need of a payday loan and looking to help ensure approval? Read on and take note of the following 7 top tips and tricks to increase your chances: 1. Demonstrate Reimbursement Capacities Lenders will want to assess your level of risk before even thinking of providing you with a loan and one of the methods they do so is by ensuring that you can reimburse the payday loan. Moreover, the total amount of the said loan often goes hand in hand with your reimbursement capacities. You can demonstrate your ability to repay a personal loan through proof of incoming or the use of a cosigner. If you choose to go with a cosigner, make sure you are choosing a responsible individual, who has good credit score and is aware of the risks. If you fail one of your scheduled payments, your loan provider will request the sum from your cosigner. Furthermore, your cosigner will equally have to demonstrate their reimbursement capacities through proof of income. In many cases, having a cosigner can help ease a lenders worries in terms of lending to someone with a riskier credit report. 2. When Applying, Don’t Lie When it comes to requesting a payday loan online, nothing good comes of lying. In fact and in most cases, your lender will probably discover your lie and you’ll ruin any chances of ever getting accepted for a loan in the first place. Keep in mind that your problem won’t necessarily end there – your potential lender can also warn other professionals in the field, keeping you from obtaining a loan from others as well. To avoid any of the latter problems, provide only absolute, honest and correct information in terms of your application. 3. Be Timely with All Requests Your lender is guaranteed to request certain information on your behalf, including certain documentations. Make sure that all requests are fulfilled in a timely manner, including providing the requested papers and forms. Your loan application process depends on such documents, and such can be delayed or stopped altogether if you fail to fulfill requests on time. Read the loan application carefully and be sure to attach all requested documents. Even after this is completed, it is still possible that your lender requests additional information and this too has to be provided as quickly as possible. 4. Positive Credit Rating Alright, before you start freaking out – no, your credit score isn’t the biggest factor when it comes to obtaining a payday loan. But let’s face it – a positive credit rating can definitely go a long way. When it comes to a lender, you know they’re performing credit checks – even if advertising that credit and ratings don’t matter. As you know, a higher credit score increases your chances of approval so, keep an eye on your credit report, reimburse due payments, dispute any errors and keep your score above 760. Above and beyond this number, you can rest assured knowing that your report is in good shape. However, anyone under the 490 range has some work to do – for this score is considered rather negative. 5. Work Towards Improving your Score So, you’ve got a bad credit score: 490 and under. Don’t panic. A bad credit score can actually be improved within the matter of months if you work towards bettering it in the right way. Start by paying down debt, paying all your bills on time and maintaining low credit balances. Of course, this takes a little time and a lot of commitment, but is definitely doable if you give it what you’ve got. More so, keep in mind that although it’s best to work on improving your credit score before requesting a payday loan, sometimes emergency situations have it so that this isn’t possible. Obtaining a loan is still possible with a low credit rating, despite being slightly more difficult. 6. Search for Lenders who Accept your Credit Rating As earlier mentioned, a poor credit score doesn’t impede you completely from obtaining a payday loan. In a financial emergency, you probably won’t have the needed time to improve your credit score and therefore, you’ll have to start searching for lenders that work with clients having a bad credit rating. Every payday lender has their own set of requirements and many of them aren’t set in stone. In other words, certain lenders might not consider an applicant with a score of 600 and under while another lender will, as long as you can demonstrate repayment capacities. Make sure you aren’t getting yourself into more trouble by falling into the hands of a loan shark. Always request payday loans from reputable and credible agencies. 7. Verify Your Debt to Income Ratio If you’re looking to increase your chances of payday loan acceptance, then take the time to verify your debt to income ratio and request a reasonable loan. For example, if your total monthly income ranges around $2000, no lender will approve a $1000 loan. In fact, you’ll greatly increase your chances of acceptance if you’re only requesting a fraction of your income, in this example, perhaps $200 or a maximum of $400. Simply remember, the lower the request, the higher the chance.
In the end, when it comes to applying for a payday loan, there are many factors that come into play and many of such can increases your chances of acceptance. Keep in mind that lying for any matter in terms of your request won’t improve your chances – nor will lying about or exaggerating your monthly income. You’ll have to demonstrate stable income and therefore, part-time or freelance work is usually not taken into consideration. Source: How To Get Approved For A Payday Loan Online? from https://www.achievefinance.com If you keep getting denied for payday loans online, don’t take it too personally. After all, it’s just a computer on the backend making the decisions, right? Much like a doctors warning in terms of high-cholesterol can be a patient’s wake-up call to leading a healthier lifestyle, loan rejection might just be the wake-up call needed to clean up your credit score if you keep saying to yourself: I need a payday loan but keep getting refused. Think of it this way: Being rejected for a loan may keep you far away from possible consequences in the future. Common Reasons for Denying your Application1. Having too many Current Payday LoansWhen applying for a payday loan, one of the first thing a lender looks at is whether or not you can afford the loan. Part of the application process entails looking at your actual financial situation. For certain lenders, rejection may be deemed fit if you’re requesting a loan to pay off another financial engagement. You may equally be rejected if you’ve received more than one payday loan within the last 90 days You can also be rejected if you are currently repaying a payday loan. 2. Your Salary is Paid in Cash As earlier mentioned, lenders need to verify your current financial situation and therefore, being paid in cash can cause a few problems. If a lender can’t verify your income, you have high chances of being rejected. A lender will verify your bank statements and if you aren’t depositing your cash every pay cycle, then you aren’t leaving an online trace, making it impossible to check. If this is your case, then start looking for a lender who can verify your income through your payslips. 3. You’ve Filed for Bankruptcy Lenders use a lot of information stemming from your current financial situation in order to determine the risk in lending money to you. Having filed for bankruptcy within the last year will most likely have your request stamped as high risk – and you might see yourself rejected. Don’t worry though – if you’re dealing with recent bankruptcy, there are other options for you. 4. You Have No Job Let’s face it – without stable income, you’re likely to be rejected, for many lenders will question your ability to repay the loan in the first place. Sure, certain lenders may take the time to consider an unemployed applicant, however such an individual must still demonstrate a stable source of income – be it governmental benefits, work or otherwise. 5. Recent Overdrafts A dishonored payment occurs when a creditor attempts to retrieve money from your account however, there isn’t enough money to cover the fee. If your bank account history displays a history of overdrafts, you’re more likely to be considered a risk and hence, your request rejected. 6. Attaining Minimal Requirements Most lender’s have a specific list of mandatory criteria for payday loan acceptance on their website. It is highly recommended that you take the time not only to read such criteria, but to make sure that you meet such established standards. If you don’t meet the said list of criteria, you will most likely see yourself rejected by this lender. Additionally, many lenders equally have an internal scoring system where points are provided in order to determine your eligibility for a loan. If your score isn’t ultimately high enough, this is another reason your request may be denied. There Are Many Lenders! Although this has to be completed properly and carefully, it is equally possible to apply for a payday loan from more than one lender. Acceptance criteria can vary from one lender to the next and therefore, despite a previous refusal, you still have chances of being accepted. Avoid lining yourself up for repeated refusals and don’t keep applying if you have very poor credit score or a very high debt-to-income ratio. Always keep in mind that hard inquiries also directly affect your credit score in a negative way and the mark can last up to an entire year! In Conclusion If you’re facing a rejection for a payday loan – look at the bright side. Such a refusal can really give you the opportunity to carefully evaluate your goal and assess how you can obtain the funds in the quickest means possible. You can take advantage of this time to better your credit report and dispute any credit errors if needed. If you need the money right away, you can consider obtaining a payday loan from a different lender or start looking into different options altogether.
Source: Why Do You Keep Getting Denied For Payday Loans Online? from Achieve Finance If you ever applied for a loan but were rejected, you are not alone. There are a lot of people that have experienced the same issue. Among people that get loans, a greater percentage is ignorantly cheated because they never knew how to mitigate the high-interest rate at the first place. But, be happy. You’re about to read everything you need so that you don’t end up in a bad situation. Let us get started. Before Taking an Installment Loan Online There are different types of loans to take and all fall into two categories: Installment and credit card loans. An installment loan is the best choice if you are searching for a loan to make a specific purchase. Don’t seek credit cash advances. There will be a much more detailed explanation on this issue later. Learn more on installment loans online with Achieve Finance What is an Installment Loan? An installment loan is a loan of a specific amount of money expected to be paid with a defined interest over a series of fixed monthly payments. It is the most popular and currently the safest type of loan. There are several types of installment loans. Seek the one that meets your needs. Here are four common types of installment loans:
How is the interest rate determined? The interest rate is a crucial issue to consider before taking out an installment loan. Everyone wants low-interest rates because it is better and much easier to repay them. However, banks use a specific formula to calculate the interest rate of a loan. This is the formula most banks use: Interest rate on an installment loan = 2 X Annual # of payments X Interest/ (Total no. of payments + 1) X Principal For example, if you seek a loan of $5000 with an interest of $400 and you are expected to complete your payment in 12 months. This is how the interest rate is calculated. Interest rate/installment loan = 2 X 12 X $400/ (12X1) X $5,000 = 14.76 percent The interest rate on this installment loan is 14.76 per cent. What is interesting is that you can reduce the latter! How to Reduce the Interest Rate on an Installment Loan? Use the following tips to reduce the interest rate on your installment loan.
Why an installment loan is better than a credit card loan? When you are planning to get a loan to make a specific purchase –like a car loan, a student loan, or any specific purchase-, an installment loan is the right option for you to start your mission. It is a closed-end credit option whilst a credit card loan, is an open-end credit option that revolves as you are prone to use it repeatedly. Credit card cash advances are bad for you because:
Is An Installment Loan safe? Everything in life is like a coin. There is always a good side and a bad side. An installment loan offers monthly payments but at a higher interest rate. A fee is paid to open the loan. There are penalties if you do not meet your monthly payments. Consider these issues, and make an educated decision. Conclusion By now, you should have understood how an installment loan works and how it compares with other borrowing options. You can also check the link below to get some loan basics about the latters as keeping yourself informed is a must.
When it comes to looking for an apartment for rent with your bad credit, you might feel a little stressed out for bad credit can affect the rental process in a major way. In fact, you may even be denied the rental of a specific apartment due to your poor credit score – even with perfect rental history and reasonable salary. If you’re dealing with bad credit and are afraid that the latter will prevent you from obtaining the apartment you desire, then keep reading – you have options! If you’re in need of a little extra money in order to sign your lease, an installment loan online for bad credit may be a good option for you. 7 Tips for Renting an Apartment with a Bad Credit So, you’re attempting to rent your ideal apartment with a low credit score? Here are 7 top tips to help you succeed: 1. A Recommendation Letter Your first step in obtaining the apartment you want is presenting your potential landlord with recommendation letters. Such a letter can come from several sources, including previous landlords, roommates or even your bank establishment. The objective here is to demonstrate that you are responsible and fully capable of paying your bills on time. Furthermore, your employer can write a letter informing your potential landlord of your stable revenue. As a first step, this helps demonstrate to your potential landlord that you’re serious about renting responsibly. More so, not only are you easing your landlord’s mind, arriving prepared for your apartment appointment will increase your chances of creating a responsible impression. 2. Don’t Lie about your Credit Score It’s important to be completely honest with your potential landlord. There are many reasons as to why you may have a bad credit – and you should take the time to explain the latter. Perhaps you made a poor financial decision previously, your credit utilization may appear very high or there might even be a mistake amongst your report! A landlord’s rules and requirements are not necessarily set in stone, as long as you can explain your situation and provide the supporting proof. Keep in mind that generally, this tactic works best when dealing one-on-one with an individual landlord rather than trying to rent with a large management company. 3. Paying Upfront can go a Long Way! As you probably already know, having a low credit score presents potential risk to any provider – landlords included. In the case of renting an apartment with a bad credit rating, it is possible that you be requested to pay a security deposit. You can also consider signing a month-to-month agreement or a three-to-six month lease. If you have a poor credit score, your potential may feel comfortable knowing that they “have an easy way out” in the case that you don’t pay as agreed. Requesting a 12-month lease can be done later on, once a relationship has been established with your landlord. In certain cases, it may be possible that you be requested to pay a higher per-month fee. In all such scenarios though, paying a little more can go a long way – let’s face it, you just may be signing your dream lease! 4. Rely on a Co-Signer You can always can always call on a little back up if all else fails: a co-signer. The important thing here is finding someone who has a good credit score and who is, of course, willing to take responsibility in the case you struggle paying for rent. By having a co-signer, your potential landlord may feel there is less risk in signing a lease with you. 5. Discuss Automatic Payments Insider tip: Landlords adore receiving rent payments automatically. You can offer your potential landlord to set-up automatic payments for the first of the month when it comes to rent. In other words, your landlord’s bank automatically deducts a specific amount from your bank every month. This can usually be completed online, however, you can equally offer post-dated checks for the duration of your lease. If you’re choosing this route, keep in mind that demonstrating a responsible payment track record is very important. If you’ve had many difficulties paying on time in the past, you landlord may remain reluctant in signing a lease with you. However, if you come prepared with proof of a steady income, you’re definitely increasing your chances. 6. Have a Savings Account Now, at first glance, this may seem unrelated, however having both a checkings and a savings account is actually very important. When it comes to dealing with a low credit score, having a big salary doesn’t always cut it. Being capable of proving to your potential landlord that you have money set aside is a huge plus and can really set your landlord at ease, seeing you as less of a risk. If you don’t already have a savings account, it’s a good idea to start building one as soon as possible – and to keep building it long term! 7. Search for an Apartment without a Credit Check One of the easiest and simplest ways to sign a lease with a landlord when facing a poor credit score is to search for an apartment landlord that doesn’t perform a credit check. If this is what you’re looking for, aim for apartments owned by individual renters. Such landlords have less of a tendency of performing credit verifications and usually more willing to take a risk in order to fill their apartment complex. On the other hand, large management companies are generally harder to deal with and performing a credit verification is much more standard.
Article: How To Get An Apartment With Bad Credit? from Achieve Finance Obtaining a car loan with bad credit is nothing short of difficult – but it is totally possible. Remember that you have to go into the process with the right facts in mind: You’re going to be paying higher interest than someone with a good credit rating. However, don’t let that come as a discouragement just yet – bad credit installment loans online with guaranteed approval can possibly come to the rescue! Buying a Car with Bad Credit It’s time to look at the detailed procedure of obtaining easy car loan approval with bad credit in order to finance your next vehicle! 1. Verify your credit score So, you’re thinking about purchasing a new vehicle? Before anything else, check your credit score! Even if you’re still months away from physically purchasing the car, you definitely want to start cleaning up your report before requesting a loan. By doing so, you’re certainly going to improve your chances of being accepted for said loan under good terms. In order to “clean up” your credit report, you need to pay off late accounts, discussing credit errors and increasing the positive information found within your report. 2. Improve your bad score Another reason why verifying your credit score right from the start is in order to visualize exactly what needs improving. It’s actually possible to find credit errors dispersed throughout your credit account and it’s important that you dispute these. In general, you should give yourself a 30-day grace period in order to have these mistakes looked at and fixed if necessary. On the other hand, if your credit rating isn’t that bad, then cleaning up is in fact still a good idea. As we mentioned in an earlier article, a good credit rating is market at 700 or higher and by cleaning up your credit account, you just may get pushed over that line! 3. Know Your Budget Like with everything, being well aware of your actual financial budget is a must. Knowing exactly how much you can spend per month on a vehicle will give you a better idea of what car models you can start looking at and which ones you should stay away from. You can also go deeper into your research by looking at average auto loan interest rates and the car’s cost – this will provide you with a better basis for negotiation. As you can already start to see, purchasing a car and obtaining a car loan are not out of reach, even if you are dealing with bad credit. Just make sure your using your time wisely! 4. Think about having a co-signer One of the simplest ways to be approved for a car loan with bad credit is through the use of a co-signer with good credit. In the eyes of a lender, a co-signer decreases the risk of lending to someone with bad credit. Although your co-signer is definitely assuming responsibility by signing for a car loan with you, you may actually be capable of obtaining a better interest rate! 5. Get pre-approved car loan Sometimes, it becomes easier and more realistic to car shop with a pre-approved loan. When discussing with your bank or credit company, don’t forget to question the possibility of taking the pre-approved route. However, this isn’t always possible and if this is your case, you can always discuss different options with your car salesmen. They may have further information on who, or where, you can contact a lender who works with buyers dealing with bad credit. 6. Take the time to negotiate! Let’s face it – you’re not alone in this world with a bad credit score and this is a good thing for you! In other words, you don’t always have to settle for the first “deal” that comes your way. Saving money is possible if you take the time to negotiate a little, especially when it comes to interest rate, annual percentage rate, loan length, repayment penalty and even other additional fes. 7. Put money aside for your down payment A down payment can help in many ways – especially if you can afford one. First of all, not only does this cash go directly towards decreasing the total amount owed on your vehicle, this money is equally interest free. Furthermore, your lender will definitely take your down payment into consideration when weighing the risks of providing you with a loan – even if you have bad credit. Moreover, the down payment will reduce the size of your monthly payments and can even be the deciding factor in obtaining the car loan that your looking for! 8. Say “NO” to the extras! Alright, if you’re dealing with bad credit, you might have to make a few sacrifices. When applying for a loan, you may not be approved for the highest possible amount and therefore, certain features such as leather seats, a sunroof and air conditioning may have to be crossed off your list. Keep in mind that because of your poor credit, you’re already facing a high interest rate so make sure you know how to say “No” when need be.
In the end, you can buy a car with bad credit if you follow the above steps to the T. Keep in mind that looking at all your options, fueling up on important research and refusing extra add-ons can really save you good money when it comes to purchasing your vehicle. Whether you’re dealing with bad credit or not, budgeting your finances properly and being fully aware of what you can genuinely spend is the first step in purchasing your new ride intelligently. Content source: How To Get A Car Loan With Bad Credit? first published at Achievefinance.com In many ways, improving a bad credit score is like losing weight: It takes time and energy and there isn’t a miracle solution to bettering your credit score. You should beware of proposed “quick-fix” remedies because they have high chances of backfiring on your and making your situation worse. Rebuilding credit score requires time and effort, all while being properly managed over time. If you’ve failed to keep an eye on your credit over the years, than credit score improvement is the way to go. If your credit score is low and you aren’t getting the needed approval for credit cards or favorable interest rates, you may want to think about applying for a quick personal loan online for bad credit. How to Improve your Bad Credit Score Fast The most important factor in building, or maintaining, a good credit score is paying your bills on time. It doesn’t matter whether your owed debt is small or large, respecting your payment schedule is a must. Furthermore, you can:
Tips and Tricks on Improving a Bad Credit Score There are in fact many tips and tricks that you can tap into in order to improve your credit score, along with a positive payment track record and low credit use:
Primary Credit Score Elements Despite the fact that many elements come into play when discussing credit score, certain factors are of greater importance. Of the list, payment history and credit utilization ratios are the most critical elements in many credit scoring models. Together, they can make up 70% of your credit score – their impact is huge. What is Credit Utilization Ratio? It may be considered one of the most important factors, but what is credit utilization ratio exactly? Simply put, this rate is calculated by dividing your total credit debt by your total available credit. Most models take into consideration your overall credit utilization rate, which calculates your ratio across all accounts, as well as rates for individual accounts. Generally speaking, a lender appreciates low rates of 30% or less. More so, the individuals with the best credit scores are often those who have low credit usage which also demonstrates available credit on cards and responsible credit management. You can decrease your credit utilization ratio in a positive way by:
What is Payment History? In general, your past payment history is a good indication for lenders on how you will manage future payments. When a lender reviews your credit report, payment history is one of the first things they take a look at. One of the best means of positively influencing this credit element is by respecting all your repayment schedules in terms of your credit accounts. Both late payments and paying less than the required minimum will directly affect you in a negative way. Of course, when it comes to paying bills on time, you want to ensure that all your payments are respected and on schedule. This includes your rent, utilities and even your phone and cable bills! You can always reach out to services at hand including payment applications and calendar reminders to make sure you always stay on track! Is Rebuilding Credit Score a Lengthy Process? Ultimately, there is no “quick fix” and the saying: Time heals all is rather appropriate here. When it comes to improving credit score, time is of the essence and sometimes, all you can do is pay your bills on time and wait patiently.
Although there may not be any shortcuts to genuinely improving your credit score, you can take a look at your individual report and start clearing up the problems one by one. Remember that:
Source: How To Improve A Bad Credit Score? from www.achievefinance.com Whether you’re ready to admit it or not, most of us are on the quest to looking our best and sometimes, plastic surgery can make a world of difference. Although change can be exciting. Elective cosmetic surgery is not free of charge. If you’re worried about how you’re going to finance plastic surgery – don’t sweat it just yet. Several options are available to you, including an installment loan online for bad credit. Find out more about how you can follow through with your plastic surgery plans, even if your facing bad credit. Cosmetic Surgery Financing for Bad Credit So, you’re considering plastic surgery? Well, first things first – you’re not alone. In 2017, more than 17.5 million procedures were completed in the United States and this number is only increasing. In turn, The American Society for Aesthetic Plastic Surgery states that Americans as a whole spend $8.5 billion a year on said procedures. Plastic Surgery Procedures and Treatments Let’s take a look at the most commonly performed cosmetic procedures and treatments:
Non-Surgical cosmetic procedures and treatments
Dermatologic procedures and treatments
Financing Plastic Surgery – What are my options? In order to better decipher the cost of plastic surgery, you should begin by determining whether your surgery is elective or not – or in other words, whether or not the cosmetic surgery is a need. Of course, one way or another, plastic surgery is quite expensive – therefore, keeping the costs to a minimum is a must. Plastic surgery loans for bad credit Are you thinking of a personal loan for plastic surgery? Well, there are a few things you should be aware of. First off, you should note that an unsecured loan from a financial institution will present interest rates that are close to or more than those on a credit card. On the other hand, bank loans have fixed interest rates as well as a specific period of time for repayment. Of course, all this depends on one’s credit rating and one’s ability to qualify for said loan. On top of all that, if you’ve never requested a personal before, such may actually increase your credit worthiness by adding to your “credit mix”. You must repay your loan properly and on a timely schedule and unlike a credit card, you can’t add more to your pre existing debt! Although interest rates vary depending on one’s credit score, it is important to keep in mind that an unsecured loan will undoubtedly add to your final cost of your plastic surgery procedure. If you’re interested in looking for a lower interest rate, then you may want to start looking into a secured loan. A secured loan means you offer a collateral against the loan, such as a vehicle or a house. If you end up being unable to make your payments on a regular basis, you may end up losing said property. Discuss with your surgeon You may not know it yet, but certain surgeons offer their own financing plans based on third party financing companies. Said options can include low monthly payments as well as extended payment plans – which are generally quite appealing. When discussing with your surgeon, look at the different fees and interest rates. Many of them are actually quite competitive but beware, some can actually be more expensive than a traditional credit card! If you’ve decided on one of these financial plans, it is still mandatory that all your payments be made on time. In most cases, a late payments incurs a higher interest rate for future payments or balance-based penalty. Credit cards As surprising as it may sounds, using a new or existing credit card may actually be your best bet. In fact, may credit card companies offer a 0% introductory annual percentage rate (APR) and even certain reward points that can be accumulated for later vacation or cashback. Knowing your current credit score is probably the most important factor here. This is true because if you can qualify for a 0% APR balance transfer card, then you could pay off your debt within the introductory grace period and completely wave the interest fees as a whole! Can my Insurance Cover my Plastic Surgery? One doesn’t need to pay for all types of plastic surgery. In fact, certain cosmetic surgeries are entirely medically justified and are therefore usually covered by insurance companies. For example, health related procedures such as a patient with breast cancer or a surgery improving physical function may be covered. More so, patients with respiratory problems may have see health insurance pay for a nose job, or a breast reduction may be paid for in the case of a patient with back pains. Instead of freaking out right away at the costs of possible cosmetic surgery – take a look at your different options and while your at it, why not contact your insurance company at the same time? How to Select the Best Financing Plan? Before you drop the idea of elective cosmetic surgery completely, keep in mind that you genuinely have several options and that no matter what other people say, if it’s going to make you feel more confident – it’s probably worth it. On that note though, there’s a huge difference between negating the idea and setting money aside in order to have the significant funds to move forward with the procedure.
Again, certain individuals will find a certain worth in saving up their finances and waiting for their plastic surgery while others would prefer to move faster and select instead a financing plan as discussed above. Both decisions are good decisions. One way or another, when it comes to plastic surgery, you should start by consulting a surgeon and/or patient care coordinator in order to discuss all the important details that surround such procedures! Source: How To Pay For Plastic Surgery With Bad Credit? from Achieve Finance Are you on a budget all while trying to decorate your new place? Don’t sweat it, we’ve got you covered. Although it might appear quite challenging to decorate your studio apartment at low cost, we guarantee that by following a few simple tips and tricks, your new home will look fantastic without burying yourself in debt. If, however, you do need a little extra hand in putting your decoration project together, you can search for a payday loans online. The latter type of providers offer the quick money you’re looking for. Although your studio apartment may be built of a kitchen, bedroom, living room and bathroom all sharing the same place, the following tips will help you maximize space, get creative and demonstrate some real decorating talent! Decorating a Small Apartment on a Budget We all know how moving into a new place can be an exciting, yet stressful, moment. Of course, moving comes at a cost – including purchasing essentials like a couch, a kitchen table and probably a few dishes. Then, there comes the moment where you feel you need to make your new place look like home. This is where you need to remember that decorating doesn’t have to break the bank! Discrete is Key Sure. your one-bedroom apartment has got to serve many purposes – including a kitchen and dining area, a sleeping area and even a washing area. However, this doesn’t mean we need to see or use all the areas at the same time. Start by considering fold-out furniture such as a Murphy bed or drop-leaf tables. Or, if you’ve really got the knack for at-home decorating, think about hiding everything like was completed in the 140-square foot apartment. Save Space; Hide your Bed There’s no reason to deny it – your studio apartment is probably really small. You may be thinking to yourself: There’s no way I can set my bed up in here! Before you panic and tell yourself you’ll be sleeping on the couch for the next year – check to see if you have any closets that you can enclose the bed into. If not, think about draping curtains around your bed for a little extra privacy. Doing so will genuinely help turn your studio apartment into a home instead of an open living space. Natural Lighting Always remember that windows and natural lighting will help in making your new home appear bigger and more luminous. Most of the time, curtains and blinds will already be installed when renting a property however, if this isn’t your case or you’d prefer a change in styles then consider creating your own all while respecting your budget! Better yet – you don’t need any sewing skills. Look for fusible bonding web, which is generally available at all fabric and craft stores. Use this material to create panels of fabric for windows and doorways. A Few Mirrors Can Go a Long Way There are two ways you can bring mirrors into your new place – making it look bigger and increasing the amount of natural light reflecting throughout the room. You can hang mirrors on walls or leaning against the floor in specific areas of your studio apartment to increase the roomy feel. You can equally purchase mirrored furniture – a two in one! Choose Lighting Wisely You can add additional light fixtures to a room to brighten up a gloomy space. There are many types of lighting so make sure you think of them all: Overhead lighting, lamps for dimmer lighting as well as floor lighting or accenting lighting for decorations! Remember that when it comes to renting a property, you’re usually not entitled to changing the light fixtures. However, make sure you mention any lighting problems, such as a broken or nonfunctional ceiling fan, then this might be worth mentioning to your landlord. Disguise Your Storage Space Avoid making your studio apartment feel like a cluttered closet by disguising your storage space. Think of furniture that has more than one use, like an ottoman with storage inside or using a trunk for a coffee table. Another top trick in camouflaging your storage space is by painting, or purchasing storage items that are the same colour as your apartment walls, allowing the storage to blend into your studio apartment without dominating the space. Accessories your Space! Craving a little colour and personality in your new studio apartment? Start by going the non-expensive route and look for vintage or homemade decorations. Adding colour is completed simply enough by adding a few throw pillows or blankets to the couch. Small accessories also go a long way such as pottery, picture frames of family and friends or even a bookcase with all your favorite authors!
Finally, think about adding a little touch of green to your new home with a few plants. Aside from being extremely affordable, plants are generally easy to care for and have a true knack for bringing a room to life. There are even certain plant species that require very little care – if any at all! In the end, you can clearly see that decorating your new studio apartment can be completed in a very affordable way. Take the time to plan what type of decoration style you’re looking for and from there, choose your items wisely. If you keep the above tips in mind when it comes to personalizing your one-bedroom apartment, then you’ll be relaxing in your new home in no time. Content source: How To Decorate A Studio Apartment On A Budget? from Achievefinance.com |
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