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Small Cash Loans – Where Do You Find Them and Are They a Good Idea For You?

There are many different kinds of loans. Large loans – mortgage loans and car loans – are a big undertaking that requires a lot of thought, a fairly long application process in many cases and a good credit history.

There are plenty of times though in life when a small cash loan can be just what someone needs to help pull them through a tough time financially.

Small Cash Loans from High Street Banks

There are very few banks left who offer small cash loans. Often the minimum loan amount is £3,000 or more and in order to qualify for such a loan, you have to have a good credit record and a fairly solid work and residential history.

One thing that people do tend to forget about getting a loan is that although your credit rating is a very important part of any lenders decision whether or not to offer you a loan it is not the only criteria.

How long you have been at your job or lived in your home are taken into consideration as well. That means that if you are new in your job, or are a tenant rather than a homeowner even if you have a decent credit history a bank may turn you down for a personal loan.

In addition, many people are not looking for a loan for thousands of pounds that will come with all kinds of long-term fees and interest attached. Instead, they are looking for small cash loans – a few hundred pounds perhaps – to meet a pressing financial need. A car repair or an overdue bill perhaps. That is where a growing number of online lenders are coming in to fill that gap in the financial market.

Types of Online Small Cash Loans

These days there are a number of different kinds of small cash loans available to consumers, some of them even to consumers with poor credit. here is a little information about the more commonly utilized loan types:

Payday Loans – Payday loans are small cash loans that are designed to be taken out only for a very short time – usually 30-50 days at most. Most payday loan lenders do not necessarily hold bad credit against an applicant,  so a small cash loan may be available to people with poor credit as long as they can prove they have a steady source of income.

The idea behind a payday loan is that it provides consumers with cash very quickly to meet a pressing need and then they then pay that loan – together with fees and interest – back the next time they get paid.  

The interest rates attached to payday loans are quite high, which is why many people are very critical of them. Things have changed in the UK recently though and the interest rates are legally capped now, something that can make a real difference.

In order to avoid paying too much for a loan like this, it should be paid off as soon as possible, even if you are offered the chance to extend the loan for another few weeks as that convenience will come with even more fees attached to it.

Longer Term Small Cash Loans – There are some online lenders who offer small cash loans – even to people with poor credit – that can be paid off over a longer period of time than a standard payday loan can.

This will, of course, mean that weekly or monthly repayments may be lower but these loans can be more expensive than a payday loan as they too have fairly high-interest rates, the interest that will accrue for a longer period of time.

What Kind of Small Cash Loan is Right for You?

If you are considering taking out a small cash loan you really do need to be willing to do some research before you do so. You also need to be honest – with yourself and your lender – about what you can afford to pay back and when you can afford to do so.

In order for it not to become far too expensive a payday loan should only be taken out if you are sure that when those next few paydays come around (most payday lenders will let you split your repayments over several pay dates) you really will be able to afford to “lose’ the money from those cheques to satisfy your debt.

Some people find that the longer repayment plans work out better for them because they take less of a bite out of each pay cheque if the repayments are spread out over a longer period of time and are therefore smaller. On the downside of that though is the fact that the loan will probably cost you more in the end, even if you do not necessarily notice it at the time.

If you do decide that you still want to take out a small cash loan shop around lenders as well. And most importantly of all make sure you read the terms and conditions attached to any loan you take out very carefully and not just tick the box saying you did when you really just glanced through them in your haste to get the loan application completed!

Need a small short-term loan?  Loan Pig are not only direct lenders but we also work with a network of other, respected lenders to find the loan that’s best for you.

 

The post Small Cash Loans – Where Do You Find Them and Are They a Good Idea For You? appeared first on LoanPig.

source https://www.loanpig.co.uk/small-cash-loans-where-do-you-find-them-and-are-they-a-good-idea-for-you/

How to Save Money on Your Weekly Food Shop and Still Eat Well

The weekly food shop. Yes, we say it’s a pain, but once we get to the supermarket and start strolling the aisles you have to admit, as chores go it’s not that bad. All that food! All those drinks! Look, they’re making a new cereal with marshmallow bits and fruity pieces AND chocolate. Need to snap up a box of that. And, oooohhh..what’s that?

And there you have the real problem people run into whenever they hit the supermarket. The average one has so much stuff on the shelves and in the fridges and freezers that it is so easy to overspend.

So while you might have decently stocked cupboards and a reasonably full fridge at the end of your shopping trip you probably also have less left in the bank than you intended. Which can get serious if the electric bill is due on Monday but payday is two weeks away…

Grocery shopping can be a real budget buster. But there are ways to save at the supermarket that will save you money and yet not see you starve. Here is a little about some of the most effective.

Don’t Go Shopping Right Before Teatime

Sounds silly? It’s not. Actual real scientific research has shown that people who grocery shop on an empty stomach are up to 40% more likely to overspend than those who shop on a full tummy. The hungrier you are the more likely it is that you will be tempted to buy food you really don’t need, just because some little gremlin in your brain is telling you to BUY FOOD NOW to satisfy your hunger.

If at all possible plan your weekly grocery shop for a weekend morning after you’ve eaten breakfast. That way you are far less likely to overspend and you might make healthier food choices as well.

Shop Around Before You Shop

Yes, it’s easy to go to the big supermarket right down the street from your house to do your weekly shop but do they actually offer the best prices? Supermarkets are becoming more and more competitive so it does often pay to shop around (for the best deals) before you shop.

Hit the Internet and spend a few minutes going through the online circulars from all of the supermarkets in your area. And don’t forget there is no rule that says you have to stick to supermarket shopping either. Sometimes a local butcher or fishmonger might be offering much better deals than Tesco, you just have to take the time to look and find out.

 

Shop Smarter

Premade dinners are easier to cook but they are also often more expensive than cooking a meal from scratch yourself. But we do get it, cooking can be a real pain and you never seem to have what you need on hand anyway.

One way, however, you can prevent that inconvenience and save money is to ensure that you stock up on the basics that will help you prepare lots of different meals. This store cupboard essentials list from Jamie Oliver is a good one to print out and keep handy when making your shopping list.

Shop with a List

 

Speaking of lists, making sure you shop with one is a must if you want to save money. Resolve to stick to your list and refuse to be tempted to buy anything not on it and you’ll find you may save far more than you expect.

For easier, more efficient list make use of the power of your mobile. Every time you think of something you need to add to your list tell Siri/Alexa/Google Assistant/Bixby or one of the other growing number of AI assistants and they can all make – and store – the list for you.

This also offers the added advantage of making sure you actually take your list to the shops. You might forget a little bit of paper but it’s highly unlikely you’ll forget your phone.

Use Coupons

The days of clipping paper coupons that you then have to stuff in a wallet are almost over. All of the big supermarket chains ofter digital couponing and most smaller food shops are starting to as well. Couponing really can save you a ton of money and thanks to digital coupons you won’t have to face the embarrassment of holding up the queue to use them or carry one of those funny little coupon wallets ever again.  

And on a final note, if you ever do go a little wild and find you spent so much at the supermarket that you left yourself very short for the rest of the week a short-term loan, used responsibly, may be the helping hand you need.

 

The post How to Save Money on Your Weekly Food Shop and Still Eat Well appeared first on LoanPig.

source https://www.loanpig.co.uk/how-to-save-money-on-your-weekly-food-shop-and-still-eat-well/

The Truth About Money and Relationships

Money, for better or worse, plays a big part in romantic relationships and all too often it becomes the thorn in the side of an otherwise wonderful coupling. It doesn’t have to be that way though.

If you resolve to work together towards financial stability rather than bickering back and forth about it life will be so much better, even if you are not exactly high rollers at this point.

Money is an issue right from the beginning of a relationship, so in coming up with this list of tips to help you improve your romantic relationship by improving your relationship with money that’s where we’ll begin.

Dating

As often as possible try to enjoy each other’s company without spending a lot of money. Swap the fancy restaurant for a picnic, the swanky holiday for a handful of day trips, the trip to the cinema for a night in with a DVD and some homemade snacks. By doing this you’ll have time to get to enjoy dating without the hassles and worries over affording to impress your new love and still be able to pay the rent.

Pay attention to your new partner’s financial habits. Just because he’s charming, great looking and endless fun to be with does not mean that he is very fiscally responsible. It sounds very unromantic to start thinking this way, but as so many arguments between couples stem from conflicting spending habits it is best to know what you are dealing with right from the start.

Living Together

Many couples fall into living together rather than actually planning an official move. First, the toothbrush stays, then the clothes begin piling up, then before either partner realises it the cat has arrived too and somehow, they have all ended up living together.

From a fiscal point of view, however, this is a terrible idea. Who is going to pay for what? Are you going to add the new roommate’s name to your lease? And what would happen to your home, and its contents, if things don’t work out? All of this should be discussed before anyone gives up their pad.

Be careful if you decide to borrow money together too. Even if it’s just a loan from his/her Mum make sure you are clear about each partner’s responsibility for the debt. Without a formal agreement, it is hard for unmarried couples to legally pursue each other for monies owed to others so make sure one is in place before you borrow a penny.

Getting Married

Don’t make the mistake of starting out your married life in debt just because you opted for the splashy, get it all on credit wedding. When planning your nuptials, stick to paying cash for everything. For many that may mean seriously downsizing that dream wedding but better to do that now than discover a little down the line that your ‘big fat wedding’ and the credit problems it caused are preventing you from say, getting a mortgage for a home.

If you are fortunate enough to receive money among your wedding gifts resist the temptation to go on a spending spree and use it as the beginnings of a financial nest egg instead. Every couple should have a savings account to help them work towards their future goals and if someone else’s money can help get it started all the better.

Living a Joint Financial Life

• Create a proper structure for your day to day finances. Determine just who is responsible for making sure that the basic bills are paid on time, for balancing the checkbook and keeping an eye on daily spending habits. Ideally, it will be a joint division of labour, but you should set your structure up in whatever way suits – and is fair – to you both.
• Figure out your joint financial priorities. It may take some work but if you can take your individual priorities and determine which of them are truly reasonable and turn them into joint goals then both your financial and personal lives will be in better shape.
• Never hide financial secrets from one another. Doing so is destructive, dishonest and one of the biggest relationship killers out there. Whatever the problem is deal with it honestly and as a team and, in many cases, you will even find that it’s not quite as horrible as you thought when two people are figuring out the issue rather than if one has to deal with it alone.
• For example, a financial emergency is often a true breaking point for many couples. Communicate and work together, instead of scream and shout, and it does not have to be. Brainstorm solutions. Can you get a small short-term loan to help? Is the creditor in question willing to wait a little? Work together and even the seemingly worst of financial storms will be much easier to get through.  

The post The Truth About Money and Relationships appeared first on LoanPig.

source https://www.loanpig.co.uk/the-truth-about-money-and-relationships/

Stay Out of Debt and Protect Your Credit Score by Treating Credit Cards like Charge Cards

Changing the way you use your credit cards can be the easiest way to avoid amassing unmanageable credit card debt. Treating them as if they were charge cards is a great place to start.

The terms credit card and charge card are often used almost interchangeably these days. In reality, though, they are two very different creatures. A charge card is a tool of convenience, whatever you spend has to be paid off at the end of every month or there are serious financial consequences to be faced.

Such a card, like the American Express Platinum card, has no set spending limit. Instead, purchases are approved on a case by case basis, approval is dependent upon your income and your perceived ability to pay the debt off at the end of the month. Balances cannot be carried over from month to month and if you do not make payments on time your credit line is cut off.

A credit card, on the other hand, lets you spend, spend, spend until you reach your limit, while still sliding by paying only the small monthly minimum charge. This is why it is so easy to run up credit card debt. It is indeed very tempting to charge another £100 dress or video game when you know you will only have to pay £25 on your credit card bill in a fortnight. Trouble is, once you factor in the interest, that £100 impulse buy may take you months, if not years, to pay off.

Change the Way You View Your Credit Cards

You can avoid getting into credit card debt you cannot handle by learning to treat your credit cards as if they were charge cards. If you can motivate yourself to limit your spending to just what you can realistically afford to pay off at the end of each month then you will reap some very real benefits. Beginning the month with a zero balance means many credit card companies will give you interest-free days until your next payment is due.

Get into the habit of paying off your credit card balance every month and you may never pay interest again. You will not lose out on any of your perks, and your responsible financial behavior will look great on your credit file.

Reward Yourself for Good Behavior

If sticking to your resolve to cut your credit card spending proves hard, which it probably will, you have to find a way to motivate yourself to change. Rewarding themselves for good behavior can work well for some. If you pay off your credit card balance you get to go to the movies, or treat yourself to an extra Starbucks latte, something along those lines.

If that does not work try imposing a late fee on yourself or have someone else do the dirty deed for you. Every time you do not pay off your balance in full at the end of the month you lose something, either financially or personally. Many people find that this negative approach to be far more effective, especially if it means giving up something you really love.

The post Stay Out of Debt and Protect Your Credit Score by Treating Credit Cards like Charge Cards appeared first on LoanPig.

source https://www.loanpig.co.uk/stay-out-of-debt-and-protect-your-credit-score-by-treating-credit-cards-like-charge-cards/