About Me

Making it through to payday

I do the best I can with the money we earn, but sometimes it just doesn't make it through to payday. If you don't have a great credit history, it can be hard to make a successful application for a credit card or personal loan. Unfortunately, my partner has a really poor credit history, so we struggle to get loans through traditional paths. Instead, we rely on loans from friends and family as well as payday loans. This blog is all about the ways to make it through to the next pay if you have a bad credit rating like us.

Making it through to payday

    3 Winning Strategies To Get The Best Health Insurance Plan For You
    Choosing health insurance plan can be daunting with so many options available in the market, apart from the fact that it is likely to set you back anywhere between $141 to $245 every month. Going to one company can limit your ability to get a plan that's tailored to your needs, so it's worthwhile going to insurance brokers because they look at multiple companies. Follow these winning strategies to get the best health insurance plan for you when shopping around with the help of your insurance brokers.

    Getting financial advice before buying a new house
    Many Australians rely on their family home to generate wealth for the family. The fact that the family home, or primary residence, is tax fee capital gains means that it can be a very effective way of building wealth. If you are looking to buy a new home, it can often be a good idea to get some financial advice.  Budget capacity It can be a good idea to revise your budget to ensure that you can make the payments on the house, but also extra payments associated with a house such as rates, home maintenance and insurances.

    Four Benefits of an Integrated Payment System for Small Business Owners
    An integrated payment system combines your point-of-sale (POS) software with your accounting and even marketing software as well as other systems. Investing in an integrated system that pulls your business together has a range of benefits. Here's a look at just a few of them: 1. Integrating POS and accounting software reduces errors. When your POS system communicates with your accounting software, all of the data regarding sales, returns and revenue is automatically passed from your POS software to your accounting records.

    3 Ways To Finance Your Next Car
    Got your eye on a new car? Well, before taking the plunge, take time to consider your financing options. You'll want to consider interest rates, fees and the term of the loan, rather than just the monthly repayment figure, when assessing affordability. Here's an overview of three ways to secure that new car: Personal Loan There a couple of reasons to consider using a personal loan to buy a car. Firstly, some banks and credit unions offer preferential rates if you already have an account with them.

    Home Construction: Critical Services from a Quantity Surveyor
    When building your first home, you will need to hire numerous professionals to help you through the process. One of the critical specialists that you should consider selecting for the project is the quantity surveyor. This expert is primarily concerned with the financial and contractual aspects of construction. Often, potential homeowners to overlook their important roles in building homes because of the extra professional charges. However, you can benefit extensively by utilising their cost management skills and building legalities knowledge.

    What to Discuss With an Insurance Broker About Business Insurance
    An insurance broker can help anyone who is going into business for themselves determine the best type of insurance they need and the right amount of coverage. However, as the business owner or the person who is self-employed, you'll need to make the final decisions yourself as to your business insurance coverage and policies. Note a few things to discuss with an insurance broker so you can ensure you ask the right questions and get the information needed to make those decisions for your business.