Category Archives: Updates

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.

What to consider when buying a property

Buying a property is a fantastic opportunity to invest your money in something that will build wealth over time. Over the long term, buying is cheaper than renting and you’ll be glad you did it. It’ll also be an opportunity to create a home for you and your family, making your mark and creating a space you enjoy spending time in – something you also don’t always get from renting.

If you’re new to house hunting, or even a seasoned veteran of the property market, there are always a few things worth taking into consideration that will aid you in finding your perfect home. Check out these great tips below:

Shop around

The best place to start looking for a new home is online. There are a number of great sites and apps available that will help you get started on your great house hunt. Once you decided on where you want to start viewing it’ll be important to get the estate agents to work in your favour. Get them onside and you’ll find out more information than the average buyer, who to them are just a dime a dozen. Be the best house buyer you can be.

Visit multiple times

When you go to view a property it is a good idea to arrive early. It is definitely beneficial to explore the local area before you decide if this is the house for you. You will also be able to take your time when viewing the property. Consider also viewing the property at a different time of day, if not to see the interior again, then to see what the area is like in the evening. If it’s an area with lots of bars and restaurants then it could be quite noisy in the evening.

If you view a property that you instantly fall in love with, your judgement may be clouded after just one viewing. It may be easy to forget to ask the important questions and to overlook critical details. Consider taking an experienced buyer with you at least once to make sure that your viewings are productive.

Talk to the neighbours

Provided you make it through the rigmarole of house hunting, with endless viewings in all the locations you might want to consider, then you’ll have hopefully found your ideal home. But there are a few other things to consider than just the property you’re about to buy.

By talking to the surrounding neighbours you are not only able to find out a lot about the neighbourhood. Ask about the pros and cons of the area. There are a number of tools and apps available online that can help you find out about the area and its crime rate, proximity to restaurants and entertainment, and other useful information but nothing beats a little bit of local knowledge from the people who already live there.

Borrow within your means

It pays to have some money to set aside for a deposit when you’re looking to buy a house. It will not only make it easier to secure a mortgage, but it will also mean that there is some equity in your property as soon as you buy it.  There are a range of different mortgages available, so take some to decide which one might be right for you. A mortgage broker or Independent Financial Advisor will be able to compare different mortgage deals on the market – but they will charge for their advice.

In general you will be able to get a mortgage with a deposit of between 5% – 20%, but the best deals are only sometimes available with a deposit of at least 25%. Since the credit crisis, lenders have been more cautious about who they lend to. So make sure you can meet the repayment demands, especially in the event that your circumstances change or if interest rates were to rise.

Consider renting

If you’re not ready to move yet and are still saving for a deposit, or if you decide that owning a home isn’t right for you, then renting is still a sensible option. An increasing number of people are choosing to rent and the range of rented accommodation on offer is better than ever. Over a fifth of 35-44 year olds prefer the freedom of renting. The benefits are that it is usually cheaper than owning and bills are more predictable too. With fewer outgoings you will be able to save money. Renting also offers flexibility in that you will be able to move between properties relatively quickly as compared to owning. The same tips for house hunting still apply to the rental market so be sure to shop around before you settle on the home you want.