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Salvation Army thrift store

My Thrift Store Shopping Failure

I absolutely love getting good deals. In fact, that’s one reason we ended up in so much credit card debt years ago. I bought lots of stuff I didn’t need because it was a “good deal.” Now I’ve learned to shop only for things I do need and value,  but I still love the rush of finding what you need on the cheap. One of the best ways to do that is to shop used. While we were in Las Vegas recently, I thought it would be a great opportunity to try big city thrift store shopping, but it wasn’t ...

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loan and credit rules for advertisements

City Regulator Scrutinizes Loan and Credit Company Promotions

Following severe scrutiny of advertisements from loan and credit card companies, the Financial Conduct Authority (FCA) is warning companies to smarten up their act to remove the failings which are prevalent in the industry. The findings from the FCA report are clear and are aimed at ensuring consumers are not mislead as the result of promotions. In total, the report identified that one in five adverts fall short of the FCA’s advertising standards, from industries such as credit cards, debt management, motor finance and payday loans. However, it should also be added that the vast majority of firms were quick to make ...

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Beaches in South Kauai

Pros and Cons About Booking a Vacation With Points

I’m sure you are all sick of hearing about my Hawaii vacation by now, but it really was the highlight of the year for us so far. It also took more than a year of planning to book most of the trip with points and miles for our family of three. We’ve booked smaller, closer trips with points before, but this was the first time we’ve really used our credit card rewards for high end resort stays and expensive flights. Let me say that this is in no way a negative post. Taking a two week vacation is something I ...

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new payday loan regulations

The Changing Face of Payday Loans

Payday loans have come a long way since they were first introduced. Now one of the most popular ways to borrow, these loans have helped thousands of people out of emergency cash situations. Thanks to new regulations,  payday loans have become more transparent as far as interest rates and caps on the amount borrowed. The industry has definitely seen a lot of improvements, but how exactly have they changed?  How it started out Payday loans actually started out in America and according to Swift Money, and it’s grown from a £100 million industry to a £2 billion industry over the ...

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Chapter 7 Bankruptcy

Chapter 7 Bankruptcy: Are You Eligible?

In your journey toward financial clarity, there will come a time when you will need to take an honest look at your debt. If you’re lucky, you might be in a position to pay off your debt and improve your financial picture. However, if your debts are far greater than your income, or if you have had a series of misfortunes that have left you financially bereft, you might have no option but to file Chapter 7 Bankruptcy. What is Chapter 7 Bankruptcy? Before we talk about what Chapter 7 is, we should discuss what it is not: Chapter 7 ...

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