Monday, July 17, 2017

Bad Credit Loans Unemployed � Be Relaxed From Financial Problems

Bad Credit Loans Unemployed
Being unemployed is curse in this world because the person having no job is not respected in his own home or among the friends and relatives. Moreover, unemployed people have to depend on others for their daily expenses. Apart from this, if you have bad credit history, condition can be worse for you because the loan lenders think you risky borrower. If the same condition is with you, you can come out from your financial problems taking the help of bad credit loans unemployed that are specially designed for unemployed people with bad credit like you.

The lenders offer you loan amount even having bad credit. Only unemployed people with bad credit can apply for these loans. The best part of these loans is that these loans are free from all tiring and prolonged application formalities. The lenders of mentioned loans remain available all the time to assist you. When you feel the need of extra cash, you can apply for bad credit loans unemployed from the comfort of your home as these loans are available online. To access the loan lenders you need not meet them personally. Just fill the simple application form of the loan lenders and submit it on lender�s website. No sooner did you submit the application form then approval process begins and soon the loan amount is transferred in to your running checking account.

You can stay tension free if you apply for these loans as you have no need to fax any kind of document and no need to pledge anything against loan amount to ensure loan amount. In this way, bad credit loans unemployed are easily available for non home owners or tenants also. You just have to pay a bit high interest rates to cover the risk factor that is involved in such loans. You can also get loan amount on pocket soothing rates if you compare interest rates of several loan lenders that are available on internet.

The borrowers can easily procure loan amount in the ranges of �1000 to �25000 and can easily remove the stigma of being unemployed setting up a small business and can be self depend. No matter what kind of credit borrower you are. This is the best alternative for you when you are in desperate need of cash. You can avail fast cash from the lenders of bad credit loans unemployed to meet your urgent needs.

Friday, July 7, 2017

Immediate Payday Loans: Cash In Hand Before Payday

Immediate Payday Loans
Sometimes you are supposed to fulfill some requirements at the same time when they arise. For such situations a right solution is immediate payday loans. These loans are designed for the people who are stuck in a financial trouble and need funds instantly to solve their worries.

Immediate payday loans deal with your scarce funds when your next payday is still far off. These loans solve your short term needs and extend you with instant cash to cover your needs. These loans are designed in order to pay the emergency expenses of the borrower�s without wasting any time.

These loans make an effort to avoid any type of documentation as well as the credit check formalities. The no credit check service provides you loans for all your requirements without making any inquiry into your credit history. With this you can avail loans within 24 hours of applying for it. This permits even the individuals with bad credit score to apply for these loans. CCJ, arrears, pending dues and bankruptcy are no more a hindrance in availing urgent cash in case of immediate payday loans.

For availing the immediate payday loans a borrower is required to fulfill certain conditions like- being more than 18 years of age and having a regular employment along with a current valid bank account.

Through immediate payday loans the borrowers can avail a loan ranging from �100-�1500 for a term of 14-21 days. It is suggested to repay the loan installments on time as these loans carry a higher interest rate and may prove to be expensive if extended. The loan amount attained by a borrower through these loans can be used to satisfy any of his/her urgent expense like medical bill, travel expenses, car bill, grocery bill and other utility bills.

You can apply online anytime at your comfort and from anywhere. There is no restriction as online we are available 24 hours a day. Thus, these loans strive hard to offer cash at the time when you need it the most.

Tuesday, June 6, 2017

No Credit Check Payday Loans- Easy Financial Solution

Credit Check Payday Loans
Is your bad credit record holding you back from availing cash? In such cash you can rely on no credit check payday loans that will not only provide sufficient cash to meet your urgent expenses but also allow you to improve your credit history. By applying for this loan you will be able to solve all sort of financial problems.

No credit check payday loans are short term loans. It is considered as an ideal loan for the borrowers with bad credit since no credit check is done before its approval. This loan is also ideal for the tenants and non-homeowners since this loan is unsecured in nature. This loan is basically meant for the urgent expenses that may pop up unexpectedly before your next payday.

The approval procedure for this loan is very simple and quick. The borrower just has to be a regular salaried employee with a valid checking account. It just takes one day for the approval of this loan.

An amount ranging from �100 to �1500 can be obtained through this loan. The loan is available with a repayment term of 14 to 30 days. The amount received through these loans can be spent for any purpose such as grocery bills, medical bills, college fees, car repair, home repair and many more.

The best way to find no credit check payday loans is to search for them online. To apply online, you will have to fill up an application form. You will come across a number of online lenders who will provide you this loan. By comparing them you will be able to search the right lender according to your requirement.

If you are required of urgent cash before your next payday then consider no credit check payday loans. With the help of this loan you will be able to meet any sort of urgent financial crisis in no time.

Tuesday, February 14, 2017

2 Part Feature In Forbes (WHAT?!)

Meet the 29-Year-Old Who Paid
Off $113,000 In Student Loans
Well here I am, single on Valentine’s Day for the umpteenth year in a row... However, I am featured in FORBES again today, so I think I’ll be just fine ;)

All joking aside, I wanted to let you all know that I accept these interview requests and post these stories not to toot my own horn, but to help folks. Every time an article comes out in a major publication, I get an influx of emails from you guys. Finances are a very private matter for most, but I am grateful for those of you that have the courage to ask for help. Some of y'all send me emails longer than I know what to do with and some merely ask one simple question; I love both kinds. Some of you I can help, some of you I can’t. It might take a few weeks, but I try and reply to everyone because I know exactly how you feel.

If you would’ve told me in high school that I’d have a 2 part feature in FORBES at the age of 29, I for sure would’ve thought the subject would be around music, not finances. So believe me, I've had my share of humble pie along this journey of mine, but if I can help just one person, it’s worth it. Is this the story I would have written for myself? Uh, no. But I didn’t write it, He did; and for that I choose to be grateful and agree to share my experience with anyone who genuinely wants to know.

Shout-out to Zack Friedman at Forbes for publishing this interview as well as letting me be a part of his podcast on Make Lemonade (coming soon)!

Click here to read Part 1 of my interview with Forbes
Click here to read Part 2 of my interview with Forbes

Click here to read the same Part 1 article on Make Lemonade
Click here to read the same Part 2 article on Make Lemonade

Tuesday, February 7, 2017

Budget Featured in Business Insider Again (Woot!)

Here's the budget of a 29-year-old who finished
paying over $100,000 of student loans
Two updates as to where I am since paying off my loans a few months ago was written up by Libby Kane and published in Business Insider. Their audience is not hesitant at all to write to me and tell me all about their own debt journeys while asking for a quick piece of advice on an area they may be struggling with. I love connecting with them! I have SO MUCH to learn in this big world of finances, but the things I have learned so far, I am always willing to share.

I love the folks that realize I am a 29 year old woman who assessed her situation and did what she thought was best for her. And that’s all I did. I am not cramming advice down throats, I am not saying it is my way or the highway. I do me. You do you. If you look at my journey and you want yours to resemble mine, awesome! Let me know if I can help. If you look at my journey and want nothing to do with it, also awesome! I hope we all win with money in this life no matter the approach we take to get there. I simply happened to start blogging about my journey on that faithful August 1st Sunday back in 2010; the day I was struggling the hardest and decided to find an (anonymous) outlet for my student loan battle.

For those just reading about my story from the latest Business Insider article wanting more detailed information on my budget, click here to read where I elaborated on the first BI article that was published on my budget.

Also, between us, I spelled 'restaurant' wrong in my now public budget (Ha!)

Click here to read the latest main Business Insider article: "Here's the budget of a 29-year-old who finished paying off over $100,000 of student loans"

Click here to read that same article in Yahoo Finance

Find the latest spin-off Business Insider article, "A 29-year-old who paid off over $100,000 of student loans gives her 3 best pieces of debt-repayment advice" by clicking here.

Monday, February 6, 2017

Cheers to Breaking up with My Bae, Sallie Mae!

As planned, I officially became debt-free on Thanksgiving Day(!!!).

Over the course of my pay-off journey, so many people asked me what I would do to celebrate and my answer was always, “PARTY!” So, party I did; on December 9th, in-between all of the holiday craziness, I hosted some of my closest friends at my home in Nashville. The name of the party was, “Cheers to Breaking up with My Bae, Sallie Mae!”, and the theme was obviously money. The night was filled with tons of chocolate gold coins, play money, Hundred Grand chocolate bars, mint cupcakes, confetti and champagne. I also had gigantic gold balloons that read 113K floating around the party. We drank and partied the night away listening to a playlist full of songs across all decades and genres about money such as: We Don’t Need No Education, If I Was A Rich Girl, All I Do Is Win, Workin’ 9 to 5, She Works Hard For The Money, and Bills Bills Bills.

2016 was a tad rocky for some folks, but in order to think about it on a positive note, I will forever remember it as the year I paid off my student loans. We are a little over 2 weeks into the new year, and I am already loving this new found freedom; there are still a lot of goals still to be completed, but with step one out of the way, they are seaming more and more possible. Cheers to all of the adventures ahead in 2017 :)

Saturday, January 7, 2017

New Year New Me

Quick update on where I am now after my announcement of being debt-free in late November. I have been debt-free for a little over a month now. In that time, I have purchased long-term disability insurance through my employer, upped my 401k contribution to our company’s match of 6%, and am 3 months away from having my $10k emergency fund fully stocked.

I jumped the gun a little by upping my 401k contribution before having my emergency fund fully stocked, but due to recent deduction changes at my work, my paychecks are exactly the same in 2017 at 6% as they were last year when I was only contributing 1-2%. That being said, there was no harm inflicted on my saving schedule by jumping on the increase a few months early.

As for my emergency fund placement, I have decided on Capital One’s 360 Money Market Account. The runner up was Synchrony Bank’s MMA. Although Synchrony bank gives you the debit card access that Capital One does not, they both allow you to access your money fairly quickly should you need it. And if I remember correctly in my research, the both allow you to tie the MMA to your personal bank’s savings account where you can make the transfer if need be; Capital One’s processing time being a day or two quicker than Synchrony’s. What the decision ultimately came down to? Interest rates. For a sum of $10k or more, Synchrony offers 0.85% and Capital One offers 1.00%.

After my emergency fund is fully stocked (hopefully March/April), I will open a Roth IRA. Since my goal is to allocate 15% of my gross income into retirement accounts, I need to contribute the remaining 9% (after my 6% 401k contribution) to this Roth IRA. Why not just 3% into Roth since my company is matching my 6% giving me an overall of 12%? Glad you asked. Because I have learned that you do not count matches as a part of your 15% contribution; I will be thinking of the 6% match as simply gravy.

So this is where I am. I feel behind in comparison to some friends my age, but I feel ahead in comparison to others. At the end of the day, I am 29, and am thinking I’m right where I need to be in order to set up the rest of my financial life for success. Should I have picked another college where I needed very little to no loans? Maybe. Should I have started a Roth IRA at 16 when I got my first job? Maybe. Should I beat myself up for what I did/didn’t do in the past, and succumb to a life full of minimum payments in addition to paycheck to paycheck living? No. 29 might not be the ideal age to finally be debt-free and start building a net worth, but it beats the pants off of 39 or 49 or 59. That is what I have to remind myself when I start to compare to those around me. This is not to say there is anything wrong with becoming debt-free and building a net worth at 39, 49 or 59, because that also beats the pants off of never doing it. I am merely allowing myself the grace to be okay with where I am.

In my studying, I have read that a lot of folks state the time in-between debt pay-off and wealth building is where the momentum starts to die. The two main scenarios around losing momentum are:

1. People fall into the “normal” trap of buying the things they couldn’t afford while in debt. They tend to get excited about becoming debt-free from student loans, medical bills, and credit cards all to have the “money” for a new car, new wardrobe, or new home, and the debt slowly but surely begins to exist again.

2. People continue to live a debt-free lifestyle (yay), but never invest which leaves them with absolutely no wealth (boo).

I still have SO much to learn about the financial world, and am so excited for you all to be on this journey with me! Cheers to not losing momentum in 2017!!