Author Archives: Daniel

How to Save Money While Shopping Online

Online shopping is incredibly convenient for many reasons. It offers accessibility to pretty much anything you can think of without having to leave the house. But since the online competition can be high you don’t always catch those discount deals like you might see in the sale section of your favorite store. Here are some tips for saving money while you shop online.

Know How to Avoid Dynamic Pricing

Dynamic pricing is a sneaky internet move. Merchants can actually offer different prices based on your location, which is one reason why flight prices tend to go up after you’ve been browsing options for a while. However, they can’t change the price based on your personal demand if they don’t know very much about you. Clearing your cache and your browsing history can erase some of that data. Also, consider logging out of your social media account since they gather a lot of information for advertisers.

Check Coupon Sites

Coupons are not just exclusive to paper newspapers, there are plenty of them online as well. One place to find some awesome coupons is CouponGrind. They partner with retailers and update their coupons hourly, which means every time you check back there might be something new. Instead of having to search for individual coupons on the internet you can visit a single site and get a variety of relevant options at once.

Use Multiple Coupon Codes

When sites allow you to use multiple coupon codes at once, by all means, take advantage of that opportunity. But do it the right way. Always enter in the percentage off coupon prior to the solid number reduction to make sure that you get the biggest savings. The difference might only be a couple dollars but any savings means more money in the bank.

Do Price Comparisons

It’s obvious that comparing the prices of items across a couple retailers is a good idea before making a purchase. Especially for bigger purchases. But with so many options of places to buy online it can also get a little overwhelming. (How do you know when to stop looking for the next best deal?) Luckily there are some companies out there that will do the price comparisons for you. There are both apps and browser add-ons that provide this service and are totally free to use. You simply tell them what you’re looking for and they will report back at more information becomes available.

Leave Items in Your Shopping Cart

Leaving items in your online shopping cart can actually help you get some pretty good discounts. The online retailer recognizes that you were very close to buying but for some reason backed out before you paid. They assume it had something to do with the price. In an effort to encourage the sale they will often follow up with a coupon to try and seal the deal. To make this work you need to be logged into the site or have provided them with your contact information.

The Best Ways To Get A Loan With Bad Credit

When you have poor spending habits, you may be convinced that you could never get a loan with bad credit. But that canard does not have to be true. A bad credit score, even one below 600, does not have to keep you out of the market for personal loans. It just means you might have to pay a bit more to access that money.

Brick and Mortar

Your first move should be to visit your local credit union. When you are looking to get a loan with bad credit, online lenders are going to be ineffective. Credit unions are more likely to be able to provide you with financing. If you work with a federal credit union, the top annual interest rate the institution can charge you is 18%.

No doubt, you will pay more than the average person, since you have poor credit.

No Payday Loans

Payday loans may look like an easy fix, but you need to beware of the terms. Many payday loans can trap borrowers in a cycle of getting money and then being behind on APRs of 500% or 1000% (yes, you read that right), which is a recipe for financial disaster.

Alternative Lenders

When you do start looking online for help, there are alternative lenders out there that have very low minimum credit score requirements or sometimes no minimum score requirement. Upstart is a company that focuses on college educated borrowers. It targets those with high levels of academic and professional achievement, even if the credit is suspect.

Find a Co-Signer

Perhaps you have a relative or friend with good credit that would be willing to co-sign on a loan. Some lenders give the co-signers early warning on missed payments or a grace period to pay back the loan. But you need to be very sure that you can handle the responsibility when you get others to vouch for you.

Build Up Your Score

All of these options are good of you want to get a loan with bad credit. But the ultimate solution will be to raise your credit score. Looking to curb your spending, pay your bills on time and consolidate expensive debt in order to pay it off quicker. That will be your most sustainable route to getting the financing that you need to live your best financial life.

When you want to get a loan with bad credit, you want to do as much research as possible and explore every avenue. And if you can, try your best to build a better credit score, so that you can improve your loan opportunities even more and get lower interest rates.

Easy Tips For a Successful Marriage

The pressures and stresses of life can often make two people forget why they got married in the first place. Time constraints and financial burdens can cause a couple that love each other to spend a great deal of time arguing. Marriage is certainly not an easy journey – it requires participation from both parties.

It is, however, an endeavor that is certainly worth the effort. There are many who resort to hiring a Phoenix divorce lawyer because they would not take the time to work on their marriage. It does not have to be this way. It does not take a lot of time or money to build your relationship with your partner. Here are some tips for how to fortify your marriage with your spouse:

Appreciate Everything

It is far too easy to take your partner for granted, particularly as the years go by. What was first considered romantic at the beginning of a relationship can go unnoticed the longer you have been married. This is a mistake that many couples make. Nobody appreciates being taken for granted. We all like to be noticed and have our contribution acknowledged. This often does not require anything more than a simple “thank you”. It is amazing how much happier your spouse and you will be once you begin being grateful for all the things your other half does. Your marriage, too, will be a much more pleasant affair.

Communicate

Communication is an important part of a successful marriage. Unfortunately, many couples fail to communicate properly and effectively with each other. This can often stem for an inability or a resistance to listen. Once you begin to listen to your spouse, you will be able to better understand what concerns them and what their wants and desires are. You, similarly, should also express yourself frequently. Do not assume that the other person will simply catch on to how you are feeling. If there is something that you wish to bring up, find a non-confrontational way to do this. Your partner will be more likely to listen to you and less likely to be defensive about the whole situation.

Don’t Sweat the Small Stuff

Marriage is about a lifetime together – this is why you should let small things go. It is easy to get angry and riled up about the little things that your partner does. It may be an annoying habit or just something that they do. It is important, however, to let certain things simply slide. If you are going to get upset about every tiny detail, it is going to be a long slog. Instead, in certain instances just take a deep breath and let it go. It will help you to be happier in the long run. Couples that continuously bicker about everything get too distracted by their anger to truly enjoy their marriage. If there is something small that annoys you about your partner, think of what a good person they are as a whole. It will make it easier to deal with their less important flaws.

Marriage does not have to be an uphill battle. This does not mean, however, that it does not require a little bit of work. If you truly love your spouse, the energy you expend is certainly worth it.