Is it acceptable to make your Christmas gifts?
December 13, 2011 by Alexandra Kerr · Leave a Comment
If you read our previous blog on How are you funding Christmas? you would have read that the average spend per person this Christmas will be 364. People are looking at ways of cutting down the cost of Christmas with things like Secret Santa, registering gift lists and gift certificates. However there is one other way that can cut your spending by creating and making your own gifts.
If you have a craft is there anything wrong with making your own gifts?
Here are a few ideas:
Payday lending needs tighter regulation | Sarah Mackinlay
December 9, 2011 by Annabelle Rowan · Leave a Comment
Almost certainly anyone who tells us we must pay back a loan with 4,214% interest should be laughed at ferociously and then heavily questioned, but the explanation that short-term credit facilities help people manage their personal cash flow in uncertain times offers justification. Or does it?
Short-term lenders will argue that interest rates at 4,000% do not reflect the true amount you must pay back because it is based on an APR (annual percentage rate) calculation which they are legally obliged to give. A short-term loan will not be paid back over a year because this is not what they are designed for. As such, an annual rate will rarely be met precisely because the loans are designed to be a short bridge, to provide finance in a difficult situation.
An Eye for an “I Do”: Starting a Wedding Video Business
December 6, 2011 by Jackson Beirne · Leave a Comment
Life is fleeting, and memories of it are accordingly priceless. Why else would couples pay $1,500 and upwards for photographers and videographers to record their ceremony? For those few gifted individuals with an eye for captivating images, and an instinctual ability to capture moments as they unfold with a camera there is much money to be made. And as digital photography and digital video make photography more accessible to the masses, even those individuals without a great artistic eye can claim a piece of the pie.
As with other money making ideas involving photography or videography, there is an upfront equipment cost involved. The first thing youll need to start videoing weddings (besides a wedding) is high quality equipment.
Take Out A Property Investment Loan
December 5, 2011 by Alexandra Kerr · Leave a Comment
You are a wise person and you know that you can use your (or borrowed) money to invest on something that can eventually generate income for you. Many people know the value of property so this is where they invest their hard-earned money.
Investing on property at this time is a wise idea because housing prices have dropped and you should be more able to afford one, especially with the help of an investment loan. Investment loans enable men and women to borrow money that they can use to purchase a house or some property which they can turn into an investment.
You may question the idea, especially if you feel like you do not need a new house to live on. But, the idea behind buying another house is that you can turn that house into a rental home. Many people are on the lookout for a place to rent out and this is your chance to cash in.
Debt Consolidation Criteria
December 1, 2011 by Annabelle Rowan · Leave a Comment
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Overcoming debt is a major concern for many people. Since credit score ratings determine mortgage rates, car loan interest and insurance rates, it’s important to have a healthy score. The key to having a good score is a low debt to available credit ratio. There are different ways to reduce debt such as budgeting, credit counseling and debt consolidation. Of these options, debt consolidation is perhaps the most drastic choice. Debt consolidation requires research, patience and accurate record keeping. If not done properly, debt consolidation can worsen credit problems instead of fixing them.
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The term debt consolidation refers to the act of combining all unsecured debt payments into one.
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