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Tips On Getting Through And Keeping Your Cool During A Financial Crisis

If you’ve suddenly found yourself laid off of work, or worse yet, totally without a job, your first response may be to panic. Once the intense fear wears off, it’s time to collect your thoughts and put your situation into perspective. Your initial goal should be to try to find some form of income to cover this month’s bills. You should also try to find a way to postpone your payments or reduce the monthly amount if at all possible. Here are just a few suggestions on what you can do to keep your cool and survive a financial crisis. Seek A Short-Term Loan One of the last things that may be on your mind during financially challenging times is to take out and borrow more money. But in some cases, it may be to your advantage. If you know your money problems are only temporary, you can utilize a short-term loan in order to bridge the gap of no income until you see a steady flow happening again. An installment or personal cash loan allows you to gain access to cash and borrow the money you need for daily living expenses and important bills, such as utilities that need ...

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Should You Buy Using 0% Financing?

Should You Buy Using 0% Financing?

To some people, the idea of being able to get what they want now and pay for it later sounds great. The problem is that the bill eventually comes do and must be paid. So when you see those offers that promise you can buy now and pay later, should you take advantage of them? What about when it comes to 0% financing? In those cases, you aren’t really wasting any money on interest, as long as you follow the rules. But, before you sign on the dotted line for 0% financing, make sure you consider these things. 1. Know What You Are Getting Whether or not it is a good idea to take advantage of such offers as 0% financing depends on several things. For example, will you be in a financial position to pay off the balance in full before the payoff date? What happens if you have unexpected bills pop up that prevent you from being able to pay off the balance before the due date? You should know what you are getting into before you automatically accept such a method of financing for your purchases. What you are getting is basically a credit card. 2. Understand ...

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DIY Gone Wrong! 4 Reasons DIY May Cost More Than Hiring a Professional

DIY Gone Wrong! 4 Reasons DIY May Cost More Than Hiring a Professional

Many people these days are trying to cut costs in their budgets. One reason for this is because of the ever increasing costs of the goods and services they enjoy. Another is because wages don’t seem to be keeping up. No matter what the reasons are for high costs, however, there are ways you can save. For example, you could save money by DIY-ing when you have items that need to be replaced or repaired around your home. But DIY-ing may not always be the answer. In fact, sometimes you end up with a DIY gone wrong. Here are 4 reasons DIY may cost more than hiring a professional. 1. Lack of Expertise Unfortunately, as a renter or home owner, sometimes things get worn or break in your residence. You may not have the expertise needed to replace or fix it, though. If you attempt repairs without the proper know-how you could be asking for trouble. Let’s say you have a leak in your kitchen plumbing. Trying to diagnose the problem on your own could result in you having a major water leak in your house. Should this happen, you could end up with thousands of dollars of property damage. ...

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These Initial Home Investments Will Save You Money in the Future

Today we have a guest post for you from fellow blogger, Anum Yoon. Enjoy! There is a nationwide call to “go green,” and soaring energy costs are strongly encouraging us to do so. We already have ongoing bills to pay, but it might be wise to look around your home to see what changes you can make to help you go green. Sometimes you have to spend money to save money. Here are a few home improvements which require an initial investment, but which will pay off immediately or over time. Install a Smart Thermostat A typical thermostat lets you control your furnace or air conditioner with a dial or digital display. Some offer the ability to program them to increase or decrease the temperature at certain times of the day. Smart thermostats use technology to control the temperature of your home remotely, via computer, tablet or smart phone. You can program it to meet the needs of your typical schedule or access it for unexpected changes, such as coming home earlier or later than expected. Smart thermostats won’t necessarily save you money, especially if you tend to like your home hotter or cooler than others. However, it does give ...

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Should You Buy These 5 Kinds of Supplemental Health Insurance?

If you’ve ever worried how you would pay your bills should some catastrophic event occur to you or another family member, you might need supplemental health insurance. However, deciding for sure if you should purchase additional insurance or not can be a little overwhelming. Of course, your need may not stem from some devastating diagnosis or other incident. Instead, you might simply need additional coverage for the things your regular health insurance doesn’t cover. Whatever the case may be, the question remains: Should you buy supplemental health insurance? Here’s a look at five of the most popular types of supplemental health insurance to help you decide. 1. Cancer Have you ever wondered how you would cover all of your bills if you or a loved one were handed a cancer diagnosis? It’s only natural for most of us to have those kinds of thoughts from time to time. Chances are someone in your family has been or will be diagnosed with cancer in your lifetime. That means higher healthcare bills in addition to higher household bills for things not covered by health insurance. That is where cancer insurance can help. Obviously different policies cover different things, so you should carefully ...

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