Set Up Online Lingerie Store To Pay Off Credit Card Debt Fast January 25, 2008
Posted by Vedis in : Business , add a comment
I guess I should heed my buddy’s advice and set up an online lingerie store selling sexy lingerie and plus size lingerie as soon as possible so that I can make more money to pay off my credit card debts.
At the moment, I can still make a few hundred bucks online. But, it’s not enough if I want to blog full time. I need more than a thousand monthly so that I can pay off my credit card debts, loans, car loan and home loan installments without fail.
Cash Advance Loans To Meet Expenses,Credit Card Payments Or Unexpected Expenses December 29, 2007
Posted by Vedis in : Loans , add a commentDoes this scenario sound familiar? You use credit cards to do your holiday shopping, promising yourself you’ll pay the debt off within two or three months. Unfortunately, you find that you have maxed out some of your credit cards even before year 2008 arrives.
You need some quick money these few days because you fall short of a few hundred dollars to meet the month’s expenses, credit card payments, home loan, car loan and other loan payments.
Here cash advance loan comes to your rescue and provide you with that required amount with minimum formalities and no hassles.
Cash advance loan is a small, short-term loan that a borrower uses to cover expenses until the next payday. The borrower writes a check to the lender for the amount of the loan plus fees and the lender deposits the check on the borrower’s next payday. Generally speaking, the minimum amount is $300 and the maximum amount is $1500.
The application of cash advance loan is fast and easily approved since there is no credit check and no documentation needed. When stuck in an emergency, you would not always be ready with document proof.
Once you’re approved for your cash advance loan, the cash advance loan will be deposited into your bank account. You receive money so fast and easily that you can have peace of mind as you may avoid all late payment fees or check bouncing fees.
Even with a bad credit record and very less money in your bank account, you can get cash loans easily these days.
How Did We Get Into Deep Credit Card Debts ? May 1, 2007
Posted by Vedis in : Credit Cards , add a commentIf this is your first visit to my blog. Welcome ! Look to the right sidebar - $60,000 credit card debts, excluding home loan and car loan.
How did you get so deep into debt trouble ? This is the common question asked by a lot of concerned bloggers. Well, through the efforts of my hubby and me. OK..I am serious. What I can say is lack of self-control.
I started off with my very first credit card in 2001. It was definitely difficult to get a credit card at that time. I still remember the lengthy and daunting process of getting the card approved.
However, getting a credit card has become too easy nowadays. I have been approached by credit card executives while shopping in the malls,doing transaction in the banks, going for trade fairs and bumping into roadshows by banks.
There are too many perks offered by banks. As an example, some banks even offer 0% credit cards on purchases from participating merchants, if you use their credit cards.
I have had 7 credit cards before (I once boasted to my hubby that I wanted to own 10 credit cards ! How silly !) while my hubby had 6.
When we realized that our debts had snowballed to more than $60,000, we started feeling petrified. We had been maxing out our credit cards regularly and paying off the balance in three months when it used to take one month !
What did we do ? You’ve got it , balance transfers ! Yes, from 0% balance transfers to 9% balance transfers. From bank A to bank B and then from bank B to bank C. Then, thought of debt consolidation for our credit cards.
We used to put the blame on the banks. But, now we have come to realize that we are at faults. We lack of self control. Once we admitted we were at faults, we actually took up our responsibility. We sat down and calculated the total outstanding we had at that time.
Once we knew how much our debts were, the next step was browsing through the internet reading articles which provide tips on how to get out of credit card debts, pay off credit card debts and other helpful resources.
After reading the articles on bad credit history, it finally dawned on us why it was difficult for us to obtain cards, car loan and home loan last year.
With sound credit card advice provided by thousands of internet sites, we have better grasps of the ins and outs of credit cards. Equip yourself now with more comprehensive and updated news about credit cards before you are in deep, deep debt trouble like us.
10 Tips Big $aving $ April 20, 2007
Posted by Vedis in : Money Saving Tips , 3commentsHere are 10 big saving tips that help you save more than a few bucks here and a few bucks there.
$ Tip 1. If you’ve been putting aside $500 a month for your car loan, don’t stop once the car loan has been fully paid. Instead of sending the cheque to the lender, deposit the same sum into your savings account. Now you can start building up your assets.
$ Tip 2. Use cash or debit card for everyday items and limit credit card usage for large items only.
$ Tip 3. Pay off your bills as soon as you get them, and if you can’t pay the entire balance, pay more than the minimum amount due.
$ Tip 4. Sign up for member cards. Many entitle cardholders to special discounts and offers.
$ Tip 5. Note every dollar you spend - whether it’s a candy bar or a new purse - and see if there are areas where you can save more.
$ Tip 6. If you have easy access to public transportation, try using it. It’s less expensive and usually less stressful than driving. Check LRT and bus routes and compare the costs with driving a car.
$ Tip 7. You don’t need to spend a lot of money to enjoy a good weekend. Do your research and look for off-peak travel dates and destinations. Take advantages of weekend or mid-week deals.
$ Tip 8. If you are going to the movies after a full meal, forget about the concession stand.
$ Tip 9. The next time you see something you want but didn’t plan on buying, ask yourself if you really need it. It you don’t, let it go.
$ Tip 10. Consider asking for a transfer and moving to a smaller town if you find that living in the city is becoming just too expensive.
But remember, whatever extra cash you have at the end of the month - save it !
