Posts Tagged ‘debt’

30
Oct

Save Money by Getting Creative

Posted by Sara M. Varese

Sometimes we just want to go out and get something brand new or different, for example, a new pair of shoes, a new computer, or even a new car.   More often than not buyer’s remorse kicks in and we realize that we could have done something differently other than spend a large amount of money on something that we did not need.  So what are some simple and creative ways that you can save money?

Repair what can be fixed

Most of the time repairs on qualities items can be an excellent alternative to discarding this item and buying it brand new.  For example, perhaps you have a nice pair of leather boots witha  broken heel that can be repaired by replacing the heel.  It’s ok if you don’t know how to do it yourself – shoe doctors are usually available at local shops to help you fix this minor problem. Just take your shoe in and he can tell you if you can fix it and what the cost will be. A heel replacement can usually cost less than $5.

Borrow

Are you in need of an item on a temporary basis such as a dress for a party or some tools to fix a door? Why not borrow these items from a neighbor, friend, or family member instead of going out and purchasing these items brand new?  Most women claim that they never wear their special occasions more than twice so if you have a friend or relative that is about your size, ask if you can borrow it and offer to bring it back dry-cleaned.  A dry cleaning on a nice dress usually will not cost more than $6.

Buy savings in bulk

Look around your place and take note of everyday essentials that can be purchased in bulk to save both time and money.  Some of these items can include toilet paper, bottled water, or even cellular phone plans that offer discounts with family and friend purchases.   Many companies offer significant savings for those who buy in bulk, so the next time you are making a purchase, see if they are offering any kind of bulk savings discount.

Trade

If possible, ask the person that has the product or service that you are looking for if they are in need of a product or service that you can provide.  For example, perhaps your friend is selling a guitar that you would like, ask them if you can mow their lawn or install new software on their computer, or something creative that you can think of.

The ideas and solutions are endless.

Brought to you by Pay1Day.com, a company dedicated to providing immediate cash assistance to consumers.

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29
Oct

Mortgage Security for Future Home Sellers?

Posted by Sara M. Varese

Equity Protection, by Working Equity Inc. claims to protect a mortgage from future equity losses during a sale. The product
charges a one-time fee of 1-2.5% of your home’s value, determined by the company, depending on your market area and promises to reimburse the seller the difference between the average market value of the home during the sale and the actual sale amount. The conditions are that the seller cannot sell the home within the first two years.

The plus side is that if a seller decides to sell a home for 5% less than the starting contract value, Working Equity still promises to reimburse them the average value loss within that market. For example, if the average value loss in the area was 10%, then the seller would still receive the 10% minus the initial contract 1 – 2.5% contract fee.

Equity Protection is not currently backed by a reinsurance but the company states that it’s in the works.

If a person plans on selling their home after 2 years and there is a good chance that the property value will decrease over 10% within that time, then this may be a good investment. However, if it does not, then you may have lost out on thousands of dollars.

This brief news posting was provided to you by Pay1Day.com, a company specializing in immediate cash assistance to borrowers.

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27
Oct

Pay1Day.com Offers Easy Cash Advance Loans for Immediate Financial Needs

Posted by Sara M. Varese

Los Angeles, CA (PRWEB) October 27, 2009 – With the current struggling economic conditions, traditional lending practices such as bank loans are being cut. To help customers who need immediate cash assistance, Pay1day.com, an online cash advance company, is offering a quick and easy way to obtain needed funds.

With banks restricting their lending practices and increasing interest rates, penalizing consumers with outrageous overdraft fees, and refusing credit to many consumers, including those with good credit, consumers are forced to look into cash advance loans, such as the one offered by Pay1Day.com to help immediate needs.  Pay1Day.com is committed to helping customers out of their financial bind by providing quick and friendly service without the strict borrowing guidelines that are common within traditional bank loans.

Pay1Day.com provides fast, easy, and courteous cash advance approvals.   After the customer fills out a short online application, they will be contacted promptly by a friendly customer service representative who is there to help facilitate the process.   Within minutes the customer can find out the approval status of their cash advance loan and have the money deposited directly into their checking account within 24 business hours.

With Pay1Day.com, the main requirements are a verified employment and a checking account.  There is no credit check or no set minimum balance required within a checking account.   Pay1Day.com’s low-barrier guidelines make it easy and convenient to borrow quick cash for the customer.  In addition, Pay1Day.com has no hidden fees, providing full disclosure to the customer regarding interest rates, terms, and conditions.

About Pay1Day.com

Pay1Day.com is a web-based company specializing in providing immediate cash advance assistance to consumers.

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