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Subscribe to this list via RSS Blog posts tagged in 12 month loans

Keep saving as much money as possible in the account; this is what the concept of financial planning means for most of the people. But, the truth is that financial planning is more than just saving and there are various other aspects that come under this big jargon. Yes, you heard it right! stuffing money in your account is not the ultimate solution to achieve financial stability in life.

Savings is just a part of financial planning and you will have to include other important things such as debt repayment, taxation, budgeting, spending, investing, and others to attain financial freedom. Well, all these tasks can be tough and when you put them together under one place, the task just becomes a lot difficult than before. This is why to help you; we have prepared a list of useful tips that can help you make better financial planning that will take you much closer to the financial stability that you seek. Now, let us get started.

Define your goals

There is no point of planning if you don’t have subtle goals in your mind that you want to achieve. Thus, the first thing that you need to do is know your purpose of financially planning as this will help you stay firm in your task. Each and every person has their own reason for financial planning; some do it for purchasing a car, home whereas some do it to pay for the university fees of their child and so on and on. Thus, define your goal first and make an effective strategy that could help you to put your best foot forward.

Learn to manage your debt

You will find barely any person who is not under the burden of debt today when the living standard of the people is high.  Well, if you really want to achieve your goals faster, then you have to learn to manage your debts effectively. For instance, the amount of credit card debt that you owe is high and you are struggling in making the payments, then you should apply for 12 month loans for bad credit no guarantor from a reputed lender who can offer you the best deals in the market. As the period given for the repayment of the loan is more, you will be easily able to manage the monthly repayment without making any big change in your budget.

Keep your spending in control

Overspending habits will not only pull you back from reaching your goals but will also make you more vulnerable to debt. Therefore, when doing financial planning, cut your spending as much as possible.  Just spend your money when there is a genuine need and cut down all your discretionary expenses that hold not much importance right now. Having control of the expenditure is something that everyone should practice as it is one of the best ways to stay finically stable in life.

Keep an eye on your investment

Investing is really important if you want to multiply your income, but more important is to keep an eye on it from time to time. So, that you will know whether your investment is growing in reality or not and you will also have the idea about the dynamic change of the market where you have invested. In the stock market, the price value of the shares can change within one night, so it is very necessary to monitor it regularly. The investment provides fruitful results when you put your money at the right place and on the right time.

So, these were the tips that can help you make better financial planning which will ultimately help you reach your goals faster.

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Tagged in: 12 month loans

When it comes to personal finance, savings and debts are two aspects that certainly cannot be ignored. One is necessary to get rid of all past troubles while another one is done to solidify the future. So, you see both are equally important but still, there is a common doubt among the people that is it possible to do both together without going broke? Most of the people will suggest you focus on your debts first and then jump to the savings.

However, sometimes paying debts can take too long and saving is something that the earlier you start the more secure you will make your future. So, it can be very confusing about what to do? Well, it may surprise you but you can save and pay off your debts simultaneously. Now, you must be thinking how it is possible? Well, for that you have to go through the entire blog to find out. So, let us get started.

Tips and tricks to save and pay off debts together

1.      Come up with an impeccable debt repayment plan

Well, the first thing that you need to do is prepare an effective repayment plan for your debt. You need to make sure that your future savings are not being drained away instantly due to your past debts.  Try to pay the minimum amount of the debt and keep filling your saving account as well. While paying your debts, you can follow either one of the two repayment methods- debt snowball and debt avalanche. In the first one, you will have to pay the lowest debt balances first and in the later one- you will get to pay the highest interest debts first.

2.       Monitor your spending

If you really want to be financially stable, then knowing the inflow and outflow of your money is really important. You cannot increase your financial capacity if you have no idea where you spend your money. Keeping an eye on your spending will provide you with a clear picture of where your money goes and come. You can do it simply manually by maintaining a diary and noting down every detail or maintain a sheet on your computer. Furthermore, there are various apps available online that can make this hectic task quite easy to perform and access.

3.       Don’t touch your savings 

Savings are made for your future goals and stability, not for using it to pay your past debts or financing any certain home renovation project. If such a situation arises, you can take apply for 12 month loans without guarantor in order to fund your sudden financial expenses. There are many reputed lenders in the UK such as Big Loan Lender, Likely loans, and others who can provide you loans even if you have no guarantor but they might check other things such as your income, credit score and others before approving.

4.       Keep automating your saving

Paying off your debts is not the only task that you have on your shoulder; you have to think equally and efficiently about the saving as well. Saving is the best way to ensure that you don’t go for more debts as it will help you tackle any financial crisis without much trouble. Also, it is true that your financial capacity will change your within time so you need to automate your savings so that you are saving more when your financial condition is good and vice versa. In this hectic and busy life of ours, it is quite easy to forget a couple of things and this could be with your saving as well. It can happen that you forget to deposit the amount on your saving account for a month or two, so in order to avoid this situation automate your saving account.

5.       Take financial help to get rid of your old debts

This may sound weird to you but this is something many people do in order to complete their old debts. If you are under the burden of multiple debts and you have barely started saving, then it would be rational to take financial assistance. You can apply for 12 month loan no credit check and pay the major chunk of your debt and you will have to plenty of time to repay the loan.

Wrapping up, these were the useful tips and advice that can help you save and pay off your debt at the same time. However, try to follow them only if your pocket permits as there is no need to put yourself on any risk.

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Payday loans by direct lenders are applied for by the students as they can help them overcome their financial obligations. Apart from just the regular scholarships and other benefits (if any) which from the outside may look enough for a college or university student are not enough. However, they are actually not!

Apart from just studies and tuition fees, students need to have a personal life. For that, ‘instant loan with no credit check’ is preferred the most. One of the biggest reasons being students do not have a credit history and they may need the loan to pay their rent and other daily allowances. Although they may get some financial aids, a boy or a girl has got to enjoy it as well! At times, this expense could cross the estimated budget. This is when payday student loans can cover those bills.

Financial Freedom

All that students need to get guaranteed payday loans is a minimum age limit of 18-year-old and a residential certificate. For the students who are also doing part-time jobs, the additional income source could work in their favor. This step does not only allow them the financial freedom to take the full benefit of the college life but also helps them build up their credit history.

Training to handle financial obligations

The students need to have a sense of responsibility to repay their loans via monthly installments on time. By doing so, they are not just avoiding any further ‘no credit check’ loan applications in the future but also, improving their credit portfolio which in the long run, especially after their college life, in their personal as well as their professional pursuit, would help them get any credit or loan much more easily.

Banks and lenders always prefer such individuals, so, it is a major step towards a guaranteed, moreover, welcomed credit! 

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During the financial adversities, many people suffer from the issues related to the cash shortage. There is no secret that cash shortage problems can cause serious harm in your life and having a poor credit score is one of them. Usually, your credit score will not affect you if you are financially secured but it creates many hurdles in the way of deriving funds through the means of loans. There is no secret that needs for extra funds may be felt any time in the life of a salaried person. If you are one of those people, who are earning a limited amount every month and also have a poor credit rating, then dealing with the financial difficulties tends to get tough for you.

Installment Loans Are the Perfect Financial Solution

However, having a poor credit score does not really mean that you have to live in a dark. This is exactly where attaining installment loans for bad credit people from the direct lender only will work the best. Since financial emergencies require instant cash, installment loans will surely help you flip the current situation. You must be wondering how your loan request can be approved if you are reeling into a bad credit situation? Actually, the loans are provided on easy monthly installments. When you have a steady income, then lenders have no point on the basis of which they can deny your loan request.

No Collateral Required to Secure A Loan

For people, who have poor credit issues, accessing a loan on easy repayment plans is not less than a boon. In fact, bad credit installment loans make a big difference in your current circumstances because you can access this financial help without pledging the collateral. There is no doubt that these collateral free loans will help you attain the funds with utmost ease.  Moreover, the absence of this provision helps in securing the funds quickly and this is what matters in the end.

Related: Bad Credit Loans: Top Things to Check Before you Apply

Short-Term Loan Will Help You Enhance Your Situation

Applying for the 12-month loans for poor credit individuals from the direct lenders is the fastest and easiest way to raise the funds. But since you have a poor credit score, it would be good for you to apply for the small amount if you want quick approval. By applying for the small loan amount, you have the great possibilities of getting approved. Once approved, you can easily improve financial stability in your life. On the other hand, you can also enhance your poor credit score by utilising these loans in time of financial emergencies.

No Credit Check Offer from the Online Lenders


Getting the low cost 12 month loans with no credit check process from the direct lenders is always the first priority of every borrower. Because of the quick and easy lending process, it does make a sense to approach the online lenders. Online lenders understand that poor credit rating is the major hindrance in the way of deriving desired funds that is why they prefer to lend money without any credit check process. Therefore, if you want to avail these loans without any hurdle, then you should find the genuine lender first. 

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The secured loans have their own pros and cons. The pros are lower rates, big amount and long time to repay the loan. Cons are, you put your asset at risk as collateral, if you fail to repay the loan, you may lose it and the obligation is of a long period. Besides, these plus and minus, the most important thing is, when you take them, it is important that you ensure their maximum use. In that case, you do not take the loan as an obligation but as a support to your financial and personal life goals.

Now, when the new age lending is also playing an equally important role as the mainstream, you get funds despite the issues of bad credit. The secured loans for bad credit are in possible reach now. But they are available in abundance with multiple features and you need to know how to get the maximum benefit from them. You do not know which deal suits you best. If you keep few things in your mind while exploring the lending options, you can get the best choice.

First Condition Is ‘FAIR’ Deal

As the bad credit situation makes you vulnerable and snatched your liberty to take financial decisions, you also become easy prey for fake loan deals. From unethical lenders to tricky brokers, anyone can misguide you and in result, you get a regretful decision.

Notice these to detect a fake loan offer

*      Upfront fee is not a legal practice and the lender should not demand this from the borrower.

*      Hidden charges are nothing but a way to grab your hard-earned money.

*      Additional costs in do not belong to healthy lending practices.

The above are the very basic but important things that you should keep in mind and stay away to avoid threat on your finances.

Find Lender with Better Rate Relaxation for Inconsistent Bad Credit

It is assumed that the bad credit people can take loan online but they have to pay higher interest rates. To be honest, it is not completely false, but there is also another side of the coin. The loan companies give relaxation in the interest rates if the bad credit situation is not consistent. In case, you poor credit happens due to some recent situation and otherwise you had a good financial history, then ask the lender to give you discounted rates. It is not difficult to find such secured loans in the UK. Just search according and rest of the things can be seen by your credit record that a lender takes from the credit reference agency.

Make Sure That You Get an Affordable Repayment Schedule

Certainly, the secured loans are cheaper than the unsecured loans. In fact, you may be paying an installment that is less than from the monthly installment of even a short-term poor credit loan like 12 month loans for bad credit. But still, it is always good to choose the repayment plan with utmost care as you have other expenses too to handle. Besides, finances are always unpredictable. You never know when you face the need of money again and at that time, an unfavorable repayment plan, can be your biggest obstruction. From date of installment to the installment amount, everything should be decided with mutual understanding but for your convenience.

The above things are useful and to remember them is necessary. Repay on time and keep your asset safe from any threat.

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