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Benefits Of Divorce Lawyers For A Fair Separation Agreement

October 27, 2017 by Marcus Fairy Leave a Comment

Benefits Of Divorce Lawyers For A Fair Separation Agreement

It is a very tough time for both parties when going through a divorce or separation. Depending on the circumstances it can be easy to fall into a break-up full of acrimony and arguments, but there are a number of benefits to taking a calmer, more measured approach to separation, hiring divorce lawyers to help both parties separate on mutually fair terms through a period of mediation and negotiation. What are the benefits to separating amicably, and doing so with the assistance of specialist divorce solicitors?

Think of the Benefits to Your Children

If your marriage has involved children, things can instantly become that much more complicated and emotional. With that being said, children are stronger than you initially perceive them to be, and they can withstand hard change in the personal circumstances. What makes things difficult and can lead to longstanding psychological effects is to live in constant turmoil. Living in conditions where parents are arguing during a separation and divorce will only add to the problems your children face. An amicable separation helps to keep your bond to your children strong, and it also ensures that for all future major decisions about your children, you are in a much stronger position to have an adult conversation with your ex partner, without it resulting in even more acrimony and heartache where only the child is going to be truly hurt.

A Reduction in Legal Costs

No one wants to rack up an expensive legal bill, especially at a time of separation from a long-term partner. At these times you’ll be looking at paying out on a number of fronts, including new accommodation and bills, as well as continuing to pay for certain things if you are leaving a family home with children present. Going all the way to court to complete divorce proceedings can be a costly process. If you can go through mediation with the help of divorce lawyers, and come to a peaceful and amicable separation agreement that suits both parties, it will save a lot of money in the long run, as well as giving both of you greater control over your finances and destiny, rather than leaving it all in the hands of the court.

A Legally Binding Financial Agreement

Even if you are in a position where the split with your ex partner is amicable, it still makes sense to take on board professional legal advice from specialist divorce solicitors. You might be in complete agreement now, but what if there is a disagreement or dispute in future and you are left with a he-said/she-said scenario? Working with divorce lawyers will help you to put together a clear and legally binding separation and financial agreement through a Court Order (Consent Order), committing both parties to the responsibilities laid out within the document.

No matter what type of divorce or separation you are going through, and whether children are involved or not, there are always complications that can arise and future disputes a possibility. Take on board professional advice from divorce specialists in order to cover both parties and make everything regarding the separation clear and legal.

Filed Under: Law Tagged With: amicable, Attorney, bill, child custody, children, collaborative, conversation, court, decision, easy, family, fathers rights, finance, Financial Agreement, law, Legal Costs, Legally Binding, marriage, mediation, money, negotiation, no fault, partner, peaceful, quickie, reduce, solicitors, specialist, uncontested

Document Management System, Business Paper Storage Solutions

October 5, 2017 by Iona Parkins Leave a Comment

Document Management System, Business Paper Storage Solutions

Document management is a vital component of any successful business. If you run a business you’ll need to know how your storage of physical and paper documents can affect the growth of your company. There are plenty of reasons why you might need to think about taking your physical business documents out of the office, and store them in a secure business document storage facility at a location close to your business, through a company that you can trust.

Searching for a company that provides a secure document storage and business document management service will go some way to providing you with peace of mind that your important business documents are being stored in a safe and secure way, ready to be collected and used as and when you need them next. By doing so you are adhering to data protection legislation, helping to provide your staff with a clearer outlook in the workplace and new smoother processes to work with, and also freeing space in the office that can now be used in ways to make the business money, rather than just space that houses the growing piles of documents that all businesses accumulate as they grow.

By storing your old business documents away in a secure location you can think about digitising those parts of files and folders that are still required by your employees for daily use and processes within the systems you have implemented. A secure long-term storage solution close to your work premises allows you to digitise the important aspects of your old documents and have them ready for your staff to use. Even if this is not the idea at first, by storing elsewhere you are leaving yourself with the chance to maximise efficiency and output in your current business location, utilising previously dead space.

Another aspect that is often overlooked when it comes to business data and documents is that by keeping them on-site, they aren’t just gathering dust, the documents are in fact in danger. There could be vital information, or personal information relating to your employees, suppliers and customers. What happens if these documents are stolen from your premises? Or if there is a fire or flood and documents are damaged or completely destroyed? There is little you can do to protect from these instances, whereas by storing in a secure document storage facility close by you’ll have peace of mind that these things are much less likely to take place there, than at your business premises.

 For many businesses there will be a requirement to retrieve documents for future use once they have been stored away. Look to work alongside a document storage facility that has a proper track and trace procedure in place. That way your items will be easily located, retrieved and sent to you as and when you require them. If you have digitised those documents as well, you can also request that the digital copy is sent as well as the authentic original and physical.

All of these things can help a business to run a lot more smoothly and grow efficiently. Document storage solutions are a vital component of any successful business.

Filed Under: Business Tagged With: company, customers, damage, data, data protection, digitizing, DMS, efficiency, employees, files, fire, flood, folders, grow, house, location, manager, money, office, old, on-site, online, output, personal, physical, premises, repository, retrieve, safe, secure, service, staff, store, suppliers, vital information, workplace

Winter Home Improvement, Windows And Doors Insulation Ideas

October 1, 2017 by Andrew Reilly Leave a Comment

Winter Home Improvement, Windows And Doors Insulation Ideas

Now that summer is behind us, it is easy to see why a lot of people are looking towards the winter. Autumn is nice, and if you get the chance to spend some time with nature as the leaves change from green to gold, there is a great deal to be said for having some fun outdoors. Of course, as we move deeper into winter, and the weather gets worse, most people will be looking for ways to stay at home and have some fun inside. There are few better feelings than the feeling of being home all cosy and comfortable while bad weather rages outside.

Of course, if your home isn’t in good condition, winter may not seem as appealing as you would like. This means you may not be too comfortable at home and the problem many people have is the fact that they don’t actually realise that there is an issue at home until the bad weather comes around. During the summer, you will not be in your house all the time and the weather will be much nicer and this means that you don’t often see or feel the problems that are lying in wait when winter turns up.

Be proactive in caring for your home

If you have the opportunity, you should look to be as proactive as you can, because this will help to make your life easier, and could save you money. As with most things in life, resolving an issue before it becomes a big issue is the best solution. This makes things cheaper but it also saves you from a lot of hassle and inconvenience.

One of the biggest issues in dealing with winter and poor weather conditions at home is the fact that there are so many things to think about. This means you need to think about your whole home and every aspect because all you need is one problem to make your time at home much less enjoyable.

Your pipes and plumbing are hugely essential in winter and if any problems arise with these pipes, you can suffer badly. Frozen or burst pipes have a hugely negative impact on your home, and they can make you feel largely uncomfortable at home. If you don’t know what to look for with your pipes, it makes sense to call on the experts for help and assistance, and this is why you should call on a local plumber.

A new boiler make a big difference

It may be that your boiler is the issue for a poor temperature at home. When your boiler is no longer working at the level it should, you waste money and your home may never feel as warm as it should. Installing a new boiler system can help you save money, but it can be expensive. This is why you need to have access to money and fire the best professional at the time for the work.

You’ll also want to review your windows and doors because a lot of heat escapes through cracks in these points of your house. When you improve the insulation at your home, you’ll find that the condition of your home improves greatly.

If you have to pay for the repair or home improvement work in one go, you will find that a guarantor loan makes a big difference. Knowing that you are able to pay for these services in one go, and in a short period of time, is a great comfort to many people. If you need a helping hand in taking control of your finances in this manner, you will find that a guarantor loan could be the ideal solution. Even if you don’t have a great credit score, the presence of the guarantor makes a big difference to the lending company, and this can save you a lot of money.

Winter can be a brilliant time of year but if your home isn’t in good condition, you may struggle to relax or feel at ease. This is why you need to take steps to put your home in good order and when you do, you benefit in the short and long term. This is when you really begin to feel comfortable at home, so take steps to ensure that your home is in fantastic condition for the winter months and beyond.

Filed Under: Home Tagged With: bills, boiler, caring, cold, comfortable, cosy, cracks, from coming, guarantor, house, how to insulate, Install, insulated, insulating, keep cold air, loans, local plumber, money, pipes, plumbing, professional, projects, repair, residential, Save, sealing, solutions, temperature, weather, winterizing

Payday Loan Firms And Companies Are Still Struggling In UK

September 30, 2017 by Andrew Reilly Leave a Comment

Payday Loan Firms And Companies Are Still Struggling In UK

Even though payday loans have been roundly criticised in recent times, some people still find this to be the best way for them to obtain money at short notice. However, it would seem as though this is changing and many people are turning against the use of payday loans, which is strongly impacting on the market.

The biggest payday loan company in the United Kingdom is Wonga and the firm doesn’t have its troubles to seek of late. The company has recently announced pre-tax losses of close to £65 for 2016, a figure that will make many people wince. However, the company is keen to say that it is on the up, claiming that the business has been transformed. It has certainly been a rough time in recent years for the company, with the payday loan firm previously admitting that they have lost their way. Wonga has also received a great deal of criticism in allegedly targeting vulnerable people.

The company has received huge criticism for these actions but they say are looking to provide loan products that are much more flexible these days and that they look to provide responsible lending to their clients. Given the public backlash the company, and payday loan firms, receive in general, it is no surprise to see that there has been a downturn in the firm’s fortune. Wonga seems to think that this is just a short term issue and they have announced that they expect to return to profit for the 2017 figures, which will be issued in 2018.

Wonga has struggled of late

That remains to be seen but there is no denying that the company has had to make a lot of changes in recent times. There is an almost universal disapproval of payday loans in the media, and this has changed the way that people think about this option. While it is fair to say that the loan rates associated with these companies aren’t as bad as they used to be, it is clear that things still aren’t as positive as they should be for the majority of people.

The company has also had to deal with the fact that the Financial Conduct Authority, the FCA, has brought much stricter rules regarding the payday loan sector into play. This means that Wonga and companies like them have not been able to act in the manner that they used to. A big change came with the number of times a client was able to roll their loans over, and with this having been removed it is a very different landscape in the payday loan sector.

Wonga has had to pay out a lot of money

Another issue that the company has had to deal with is a £2.6m payout. This had to be made to more than 45,000 customers and it was down to the fact that threatening letters were sent out to customers from law firms that didn’t exist. Wonga also had a compensation issue to deal when close to 200,000 people ended up overpaying down to system errors. It is not just in the UK that Wonga have struggled because the company has also had issues in South Africa. It is fair to say that Wonga has enjoyed much better times than they are enduring now and it remains to be seen what the future holds for them.

There is a stigma attached to the payday loan market that means many people are not willing to work with these organisations. Of course, if someone is looking to obtain a payday loan, they probably have a poor credit score and they need money in a hurry, which limits their options when it comes to finding a suitable loan. Thankfully though, there are still some options available to people and even people with a poor credit score will find that help is on offer to them.

An example of a loan option that will suit many people is a guarantor loan. This style of loan has received a much better level of praise and focus in the media and the presence of the guarantor makes a big difference. This is down to the fact that the guarantor offers the lender confidence which in turns helps to keep the APR to a more reasonable level. This is definitely something that people can benefit from, and it is no surprise that many people are looking for this option.

Wonga is definitely struggling but they’ll hope that the future brings better fortune for them.

Filed Under: Finance Tagged With: APR, bills, Business, cash, clients, company, compensation, credit score, criticism, customers, debt, downturn, FCA, Financial Conduct Authority, flexible, fortune, guarantor loans, market, media, money, organisation, payout, pre-tax losses, rates, South Africa, United Kingdom, Wonga

Political Promises And What People Really Need In The UK

September 6, 2017 by Andrew Reilly Leave a Comment

Political Promises And What People Really Need In The UK

With the 2017 General Election now a thing of the past and seemingly a Government in place, it is time for the United Kingdom to move forward. However, you can see why a lot of people have no real enthusiasm or interest in politics these days, because there is a great deal of concern on more pressing matters at home. There is a lot of talk and promises made by political parties but when people are living week to week or day to day, it is very hard to listen to grand promises and the idea that things will become better. The worrying trend is that for many people, the situation is becoming much worse and there is no indicator or sign that things are going to improve.

Shelter is a housing charity and they have released figures that indicate more than half a million people in the United Kingdom have a job but also currently money in order to pay their rent. This isn’t people borrowing money for entertainment purposes, to go on holiday, to buy a new TV or lead a lavish lifestyle, this is people who are earning a living, taking in the benefits that they are entitled to and still being unable to pay their rent on their own. While some people are turning to family members for support, there are also people looking towards credit cards, to loan firms and other lenders. This is clearly a worrying situation because when you start to borrow on a regular basis like this, it becomes extremely difficult to break the habit and turn your life around.

Shelter cover the homeless sector well in the UK

The Shelter figures relate to one in three people who are renting and who are currently on a low level of income. When you think about the price of property in the UK, and the ever increasing cost of renting, there doesn’t appear to be any limit or level that will see people get the chance to move away from their current situation. No matter which political party you looked at in the run-up to the General Election, there was no indicator that there would be support or assistance that would make a change to the circumstances that these people face in their life. This has to be seen as a concern but it is fair to say that for many other people, policies which would help these people are not seen as a vote-winner.

Yes, there is a need to provide assistance and backing to everyone in the country but it would also be fair to say that some people need more assistance than others. This isn’t to say that anyone is more relevant than others but different people have different expectations of society and what they want from the local area they live in. This is a big factor in why many politicians and political parties will never go out of their way to provide strong support to the people that really need it most.

Many people can’t even think about the long-term options

In the long term, there are ways to move out of these issues but when you have short term problems arising all the time, it is very difficult for people to think about the long term. This is why if you are stuck looking at short term solutions, it is far better to look at short term solutions that are better for you. You know fine well that many people feel as though payday loans or even money lenders are the only options available to them, but this is definitely not the case. There are more affordable options when it comes to short term finance and a guarantor loan is an example of how people can improve their finances in a sensible manner.

It is likely that there will be increasing pressure placed on governments and politicians to bring more support and options for people, but even these changes, if they were to come, would take time. In the present day, a lot of people have to look to make decisions that impact on them now, today and this week before they can even think about next month.

There needs to be a period of political stability in the UK to allow changes and improvements to be made to give people the best chance of having a better life.

Filed Under: Finance Tagged With: Borrow, cash, credit card, debt, economics, finance, firm, General Election, government, guarantor, Home, house, housing, income, lender, loans, money, personal, political, politics, poverty, price, property, rent, Shelter, social, support, United Kingdom

Five Things You May Not Know About Skips

June 29, 2017 by F. Aldea Leave a Comment

Five Things You May Not Know About Skips

Redecorating, moving, or when cleaning out your home or garden or garage, these are just some of the times you might end up needing a skip. Even if you don’t have need for them, you have no doubt seen your friends, family, or neighbors using them. But there are things you probably never knew about skips Dublin.

The Swingin’ Sixties of Skips

Skips were first introduced in the 1960’s. Used by both local and commercial clients, skips were a new way to move and transport heavy products. Until this time people used wagons and carts, which was long and pricey. You can bet people were thrilled with this new and easier form of transport, especially those in the countryside.

From Germany, With Love

The idea people could use skips to haul large amounts of trash and waste and such came from Germany. They discovered skips were the easiest way to dispose of their waste, and thus the skips thrived!

Sizing up

Originally skips only came in a single size, which was 5 to 6 cubic yards. However today there are plenty of choices. A Plus Skips offer a variety of different sizes for both commercial and domestic use; they can range from 2.5 cubic yards to 40 cubic yards! Don’t worry if you’re not sure about which size is best for you. Contact us and we’ll be happy to offer some professional advice.

Let’s talk money

A Plus Skips is known for our great prices and reasonable rates. However skips didn’t always used to be affordable. When skips first appeared in Ireland, they cost about IR £5, with a 3 shilling per day charge for rental.  And it would cost an extra 7 shillings for the skip to be taken to a landfill for you. And do keep in mind, this was back in the 60s!

Bright colours

Some Europeans states have laws about the colours of their skips, but we are proud to say we have a variety of different colours available! In Britain, the 1971 Highways Act specified that skips had to be visible at all times of the day, including the middle of the night. Therefore yellow as the standard skip colour, since it could be seen well even in little lighting. Some modern skips in different parts of the world even have lights on the corners, just to make sure people can see them.

With all of this history in mind, be sure to keep skips in mind when you decide to renovate your home or perform serious spring cleaning. Skips are environmentally friendly, so you can be sure that all materials you throw out will either be recycled or disposed of in ways that promote the health of the earth. Skips will also ensure that you and your family members do not get harmed by loose debris from large scale projects. With all the choices in size, you can be sure you will not over pay for a skip that is too large for what you are tackling. Do your research, and do not hesitate to ask the professionals any necessary questions.

Filed Under: Home Tagged With: affordable, Bright colours, carts, cleaning out, commercial, commercial clients, domestic, garage, garden, Germany, heavy products, Home, money, move, moving, professional, Redecorating, Sizing up, skip hire, transport, wagons

Get Out Of Debt This Spring

March 21, 2017 by Andrew Reilly Leave a Comment

Get Out Of Debt This Spring

Spring time is a great time of year for making changes or enjoying life. The winter months can seem a bit miserable so when the weather finally takes a turn for the positive, it is only natural that people feel optimistic and will look to make the most of what life has to offer. However, there are many reasons why people don’t feel optimistic or are able to grasp what life provides them with. For some people, it is poor health that slows them down but for other folk, it is their finances that cause issues and problems.

If it is money that is causing you problems, you want to think about getting out of debt this spring. This should be a key focus for you because when you have debt, it can ruin your life. Debt can negatively impact on your credit score, which will harm you when you try to obtain credit. You’ll also find that having debt causes you a lot of stress and worry. A lot of people find that they place themselves into further difficulty, perhaps harming relationships or placing their work in jeopardy. If you are dealing with debt, it can have a hugely negative impact on your life, and you need to take steps to get out of debt.

Do you need assistance in examining your finances?

One thing that impacts on people is feeling that they cannot get out of debt by themselves. This is the case for some people and if you feel as though you need assistance, it is important that you look for it or ask it. There is a great deal to be said for calling on others for support which means you need to be honest about your finances.

It would make sense to speak to a family member or friend about your finances but then again, a lot of individuals would rather they didn’t open themselves up to someone they know. This is a personal decision and it is something that every individual needs to weigh up for themselves. If you would rather not speak to someone you know about your financial situation, seek out a financial advisor or someone who has professional experience and expertise in dealing with debt. There is always assistance available and speaking to a professional can put your mind at ease.

Know what debt you have

It may sound funny but a lot of people don’t actually know what debt they have or how much money they actually owe. If you want to give yourself the best chance of getting out of debt, you need to know what debt you have. This is the starting point in making changes to your finances so go through your debt in a serious manner and make sure that you understand what you need to do to be free of debt.

Look at your finances and can you improve them

You will also find that examining your finances is a key step to take when you want to get out of debt. Knowing how much money you have coming into your account and going out will provide you with the best starting point for going forward. When you know what bills you need to pay, this lets you know the minimum amount of income you need in life and then you take it from there.

If there are bills or expenditure in life you don’t need, remove them. If you can bring in more money, do so. At this point, you should look to see if there are ways in which you can create money at the end of each month which will go towards paying off your debt.

Do you need short term help to take control of your finances?

It may be that you need to get control of your short term debt before you can make big changes in the long term. This is the case for many people and a short term loan isn’t the worst thing in the world if you find an attractive rate of APR. However, you should only take out this style of loan when it makes sense to do so and you really need the money.

Spring is a chance for a fresh start and if you want to move forward, look to move out of debt as best as you can.

Filed Under: Finance Tagged With: APR, bills, cash, credit score, debt, expenditure, finances, financial advisor, guarantor loans, impact, law, loans, long term, money, professional, short term, stress, worry

The Best Finance Option For Your Needs

December 15, 2016 by Andrew Reilly Leave a Comment

The Best Finance Option For Your Needs

Given the amount of finance options that are available to choose from these days, it is inevitable that some will be suitable to you. However, you need to work out which finance options are going to be of benefit and interest to you and which finance options should be avoided as best as you can. An option that is ideal for one person will be unsuitable for another person so you will have to do some work yourself before you know which finance option is best for your needs.

One of the first things you need to have settled before you start looking for finance options is how much money do you actually need. This doesn’t mean how much money you can get or how much money it would be nice to have, it means how much money you actually need so that you can pay off whatever issue or problem has arisen.

Review your finance options

Far too many people look at their finance options, see that they can take out more money and then decide to do so. This is a silly move and it is one that actually causes a lot of problems for many people. If you would prefer to stay in full control of your finances, you’ll find that knowing how much money you really need will be the perfect starting point in determining what sort of loan you should take and who you should borrow from.

Other things to consider when thinking about your finance options include:

  • Have you reviewed your budget to ensure you are making the most from it?
  • Are you able to ask your family or friends for support?
  • What is your credit score?

These are all valid questions to ask and it may be that you can do without a loan or you can obtain a more attractive loan by considering these options. You should always look at your budget because you may be able to make savings that will release more money for you. You should also look to your family and friends because they may be happy to support you in your hour of need. You should always treat a loan with due care and respect, including loans from family members, but you’ll find that this is likely to be a loan that is more affordable than a loan from a traditional ore recognised lender.

Don’t risk falling out with a loved one over money

However, be aware that falling out with a friend or family member over money can cause major problems and could cause you a lot of hardship in life. You should only ever take a loan when you need it and you should always be confident about paying the loan back. This is the case when it comes to loans from traditional or online lenders but it is also the case when it comes to family members and friends. You should look to take the matter seriously enough that you draw up a contract outlining the terms and conditions of the loan.

If you have considered all of these options, and you know that your credit score is likely to hold you back from some loan options, you should look at the online options. There are two main options that people consider these days:

  • Payday loans
  • Guarantor loans

Payday loans are the better known of the two options but guarantor loans are the option you should consider. This is because the lending company considers the credit score of the guarantor not the applicant. This should provide you with a greater chance of finding an affordable and attractive loan, which is definitely something you should consider.

There is also a longer period of time to pay back a guarantor loan, so if you want to find the most suitable solution for your needs, this is definitely the option that is best for you.

A payday loan may provide you with money in a hurry, but it can cause a great deal of hassle and trouble for people. You should look to avoid this style of loan at all costs, even if it looks as though you don’t have too many other options. There is always a way to obtain money so make sure you know what the best finance options for your needs are.

Filed Under: Finance Tagged With: applicant, budget, cash, company, contract, credit score, finance, guarantor loan, lender, loan, money, online, online loan, Payday loans

Financial Change Doesn’t Have To Wait For New Year

December 9, 2016 by Andrew Reilly Leave a Comment

Financial Change Doesn't Have To Wait For New Year

With Halloween out of the way, we are hurtling towards Christmas and it is fair to say that many people are getting excited. This time of year is a massive thing for many people, and it can be the best time of year if you get to socialise with friends, family members and loved ones. There are many reasons why so many people look forward to the festive period and everything that goes along with it.

There is also the fact that New Year follows swiftly on from Christmas and this is also a time of year that a lot of people look forward to. There can be a great deal of excitement around a party at the Bells but there is also the fact that many people believe that a New Year wipes the slate clean and allows a lot of people to start again. If there are things in your life that are now the way you want them to be, the New Year gives you a chance to face them head on and make changes. So many people make resolutions at this time of year and if you are keen to try something new or have a different outlook on life, you’ll find that you are far from alone.

Some of the most popular New Year Resolutions include:

  • Losing weight and trying to lead a healthier and fitter lifestyle
  • Being more optimistic about what life offers or throws at you
  • Saving money or reducing the way that you spend money in a reckless manner
  • Being more committed to your work or career
  • Giving up drinking, smoking or any other bad habit that you have in life
  • Trying harder in a relationship or looking for your next love

These are all fantastic ways to make more of your life and you can see why making these changes will ultimately help you to make more out of life. Of course, you need to ask yourself if these things are important, why are you waiting until New Year to make these changes. Yes, there is the notion that the 1st of January represents a fresh dawn and a chance to reset your life but honestly, every second of every minute of every day should provide you with this opportunity. Whatever has happened in the past has finished and with every second you have a chance to move forward.

Take control of your finances today

If you want to take control of your finances, don’t wait until the January the 1st. Do it today. Do it now.

A lot of people don’t like taking this action because it can be difficult and it may force people to examine themselves and their behaviour. You may not actually want to know just how much money you spend each month but when it comes to improving your finances, it is a vital step that you have to take. This is paramount to moving forward and creating a budget is one of the most important steps you can take in your life.

Make a plan and then stick to it

Once you have your plan, you need to stick to it. This is often down to willpower and a lot of people find willpower easier to come by than others. That is human nature but no matter how weak-willed you think you are, there will be ways for you to improve, you may just need a helping hand.

It could be that calling on friends or family members for support will give you a push in the right direction. If you are looking to lose weight or be healthier, a lot of people find it helps to work out with someone else.

It could be that if you want to improve your finances, doing it alongside other people will help you to achieve your aims and goals. It may even be a friend or family member supporting you as a guarantor can make all the difference in taking positive steps forward in your life.

By consolidating your debts, you place a greater level of focus on your debt and you may be able to take stronger control of your finances. This is definitely something that will be of benefit when it comes to being happy with your finances in 2017. You don’t need to wait for the New Year to improve your finances. In fact, if you take steps now, you may find your finances will be a lot brighter come the next year.

Filed Under: Finance Tagged With: 2017, bills, christmas, credit, debt, finance, guarantor loan, loans, money, new year, plan, resolution

Finding Money In A Hurry

December 9, 2016 by Andrew Reilly Leave a Comment

Finding Money In A Hurry

There are times when we all need to find money in a hurry and thankfully, there is a range of ways we can get our hands on some quick cash.

Down the back of the couch

Whenever you need money in a hurry, perhaps to have change for the bus or a parking meter, one of the places you should always check is down the back of the couch. This is where money spilling from your pocket is likely to end up, and you’ll find that this is one place where you can always pick up some much needed cash at short notice.

Of course, this isn’t likely to give you a lot of money, so if you need any reasonable amount of cash you should look elsewhere but when it comes to finding money in a hurry, there are few places better to look than down the back of the couch.

Carrying out odd-jobs

If you need money in a hurry, it may be that you can carry out odd-jobs in an attempt to raise the funds you need. This is going to be a smart way to provide you with the funding you need but you will have to work for it.

It can be difficult to promote yourself at this time but if you have skills or talents that are in demand, you should find that there are ways in which you can work to raise money at short notice.

Doing micro-jobs online

On a similar nature, there are many online sites where people can do quick jobs to get cash. You may need to wait a while for the money to clear, which is annoying, but you should consider this option if you need money in a hurry.

Applying for a loan from a traditional lender

When people are looking for a loan, it is understandable why people would look to apply for a loan from a traditional lender. These are the companies people instinctively think of when it comes to obtaining money and it makes sense you will look towards a bank or building society. Of course, these lenders are not very good at providing money in a hurry.

This is because they review all applicants in great detail and they will often take weeks to get back to an applicant. This means if you are looking to find money in a hurry, this isn’t an option that is likely to make much sense or be relevant to your needs.

Online options

As with everything these days, if you need something in a hurry, go online and you will find what you are looking for! There are plenty of companies operating online that will be happy to provide you with finance but as for the main types of loan available online, you will find these two options to be the most common:

  • Payday loans
  • Guarantor loans

It is likely that you will have heard of payday loans. This is a style of loan that has been rightly pilloried over the years as it is expensive and has caused many people to suffer further financial difficulty. The combination of needing to pay back a lot of money in a short period of time ensures that this is a loan that is better off avoided if possible.

It is correct to say that the leading payday loan companies are better than they used to be. The terms and conditions have improved and they look to provide more support for their clients. This should be seen as a positive step but it is also important to be aware that these lenders and loans are not the best option. They are still an option that should be avoided as best as possible.

If you are looking for money in a hurry and your credit score could be better, make sure you opt for the guarantor loan option. If you have someone who is willing to vouch for you, and they have a positive credit score, you’ll find that the lending company will review your loan application in a more positive manner.

This means you can obtain a loan at an attractive rate and the length of time you have to repay the option will be more attractive too. This is why you should seriously consider guarantor loans when you are looking to find money in a hurry.

This is a style of loan that is usually paid out within 24 hours and on many times, this style of loan is paid on the same day.

Filed Under: Finance Tagged With: attractive rate, cash, credit score, finance, guarantor loan, lender, lending company, loans, money, online loan, Payday loan

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