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3 Payday Loan Approval Tips

loan cashIn recent years, the UK has seen huge job losses as the financial climate takes a plummet. Not only that, but the cost of living has increased, which leaves many people with no choice but to apply for a payday loan so they can pay the bills.

Do you find yourself in a position where you need quick money to meet your financial obligations? If this is the case, then you should look to apply for a payday loan as soon as possible, because once you are approved then you can expect to see the money in your bank account within hours.

It’s really easy to find payday loan lenders to apply to. There are literally hundreds of lenders with websites online, which means with a bit of searching around you can easily fill in multiple payday applications.

Although the acceptance rate for payday loans is extremely high, there are some people who get declined. If you don’t want this to happen to you, then you should check out the following payday loan approval tips…

Tell the truth

When filling out your payday loan application, it’s important that you always tell the truth. Some people think that telling a little lie about their situation won’t do any harm, but the fact of the matter is that it will usually mean your application will be denied.

You see, payday loan lenders have many different ways of checking the information you provide, and if they spot any inconsistencies then your application instantly gets declined.

Apply for less

Another way to improve your chances of being accepted for a payday loan is to apply for less. At the end of the day, lenders are much more likely to approve you if you only need a a few hundred pounds.

Many people hinder their chances because they apply for the maximum amount (usually around £2000) but the main problem is that this figure could be more than 100% of their monthly income.

Use a broker

Did you know that it is now possible to use an online broker to help you get accepted for payday loans. The main advantage of a broker is that they can apply to multiple lenders on your behalf, which means you won’t have to do all of the hard work yourself.

Ultimately, by using the services of a broker, you can apply to more lenders, which in turn increases your chances are getting approved.

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Buying a Shed in New Zealand? Don’t Make These 6 Mistakes…

hutEvery year thousands of sheds are sold in New Zealand, and while the vast majority of buyers get it right and have no problems, there are a small percentage that end up with less than stellar results.

So how do you avoid making those crucial mistakes when buying garden sheds nz this year? Keep reading to discover more…

Not checking the height

The number one mistake that shed buyers make is not checking the height, especially if you are over 6 feet tall and don’t want to be crouching down all of the time. Check that there is plenty of room for your height before going through with the purchase.

Buying the wrong kind of shed

If you want a shed that is going to be durable and will last for a long time, then going for a cheap plastic shed is not the best idea. Instead, a more expensive metal shed would be a much better choice. Plan your needs ahead of time and you are in a better position to choose the right kind of shed.

Not shopping around

Right now there are quite a few different shed suppliers and retailers in New Zealand, which means in order to get the deal possible you should spend some time shopping around and comparing prices.

Visit local stores to see what they have in stock, while at the same time checking the online sites to see how their prices compare.

Not thinking about council building laws

It’s not uncommon for someone in New Zealand to put up a large shed in their back garden, only to then find out they have broken a council building law and they have to take it down.

This is why if you are planning to put up a larger shed it’s crucial to consult with your local council to find out about any regulations or restrictions that may apply to you.

Buying from overseas

In recent years there have been cheaper sheds coming onto the market from countries in Asia, and although these prices might seem attractive the quality typically is not there.

Know this: the craftsmanship of New Zealand sheds is among the best in the world and this is why paying a bit extra is always worth it in the end. Never compromise on quality.

Not thinking about installation

Do you have the time or skills to properly install the shed? If not, then you might want to ensure that any shed you buy comes with an installation service when it is delivered. Otherwise, you might end up with a flat-pack shed just sitting in your garage.

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Don’t Get Ripped Off by a Mechanic

mechanicIn a recent survey it emerged that 67% of Americans believed they had been ripped of by a mechanic at some point. This truly is a shocking statistic, and just goes to show where the public perception of this trade is right now.

Are mechanics really that bad? Not really, and in fact, many garages are completely professional and reputable, and are there to ensure your car is in top shape and ready for the road. They will charge you a fair price and only carry out work that actually needs doing.

Unfortunately, it is the small minority that always get the headlines, and this is the same when it comes to mechanics. There are some out there who only want to deceive and rip off their customers…all to make a quick buck, and it is these so called “mechanics” that you should be wary of.

Don’t get ripped off by following the tips below.

Where do they store your car?

If your car is being kept in overnight ask where they store it? In the garage or under Widespan Dark carports in a secure compound is fine, but if they are parking it on the street or putting it in a place where criminals can easily get to then your car is not safe.

Learn about your car

The best way to ensure you don’t get ripped off by a mechanic is to learn more about your car so you have some basic knowledge about what is going on. A rogue trader typically likes to rip off people who are clueless about the problem, but this can’t happen if you have been doing your research.

Get an estimate

Never under any circumstances allow a mechanic to start work on your car without getting an estimate first. If you don’t get this, then you are basically handing them a blank check and saying you don’t care how much they charge you.

Instead, always get an estimate before work starts and get them to sign their name to it and request they seek your permission first if any other work needs to be carried out. Sure, the price might go a bit over what they estimated, but it won’t be much.

Shop around

The main mistake a lot of people make is feeling like they have to hire the first mechanic they go and see. It’s almost like they are obligated once the car is parked in their garage. Don’t make this mistake.

You are well within your rights to shop around and take it to as many garages as you want for a second, third, or even fourth quote.

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Everything You Wanted to Know About Securing Cash For Gold

jewellery goldThere are now more possibilities to get Cash for gold than ever before.

You can go down your local high street and find numerous gold dealers all willing to pay you top dollar for your unwanted bars and coins, or it’s even easier just to find a gold buyer online who will buy your gold at a top rate and then arrange to have it collected from your house.

With this in mind, it’s a good idea to start hunting around your home for any bits of gold you can sell to earn some easy cash. Things such as bracelets and watches are very popular, as well as any kind of scrap gold you may have lying around. Ultimately, it will all be melted down anyway, so it doesn’t matter what the condition is.

The main thing to keep in mind when selling gold is that you must find a reputable dealer who is trustworthy and won’t rip you off. This means doing a bit of research beforehand, by checking out reviews online before you visit a site or go down to a local shop.

Fortunately, there is a whole online community out there featuring blogs and forums that is dedicated to outing the scammers, so make sure you read as much as you can before moving forward.

If you have gold bars or coins then selling it yourself on a site like eBay could be a possibility. You might end up getting a higher price going down this route, but just keep in mind it will probably take a bit longer to sell your items.

This means that if getting fast cash is high on your list of priorities then going direct to a dealer is the best option, mainly because you get the money right into your pocket, especially when using respected traders such as

Another factor to consider is that you don’t actually have to “sell” your gold if you have items with sentimental value. For example, if you want to unlock the cash in a gold pocket watch that has been in the family for years, then you might want to try taking it down to a pawn shop in order to get a short term loan against its value.

In this type of scenario, you typically have a specified time frame in which to pay back the money plus any interest, and then once paid, you are given back your item.

Overall, there are a few different things to consider when selling your gold, so take your time and don’t rush into making a decision

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Should You Rent or Buy?

home keysNot sure if it’s better to rent or buy? There is not always a straight forward answer to this question, mainly because it depends on your own personal situation and the real estate market in your area.

Below are a few points to consider so you are able to make up your own mind about which route to go down.


In this section we are going to give you some facts about why it’s better to rent than buy.

Firstly, there are not as many upfront costs when you to decide to rent. Sure, you have to pay a deposit and the first month of rent, but after that you don’t really need that much money initially, especially when the house or apartment is furnished.

Another reason is that renting is perfect for people who might not intend to live in the area for long, or are still undecided about what kind of house they want to buy. You can easily get a 6 month lease with a landlord, and then once this is up go elsewhere without anything stopping you.

Lastly, it’s always good to know that you won’t be bothered with surprise bills when renting. If the roof needs repairing, the boiler breaks down, or a window has to be replaced, this is all the responsibility of the landlord, and they have to get whatever fixed within a reasonable time frame.


Now that you’ve heard about why renting is such a good idea, what are buying? Below are a few reasons why this could be the right choice for you.

Without a doubt, the main reason why buying could be a better idea is because you are investing in an asset that you own. When you rent, all that money is going into the landlords pocket and helping to pay their mortgage, but with your own house you are the one benefiting.

Next, you can make changes to anything you want, either on the exterior or interior of the house. So if you want to try your hand at a bit of DIY or you fancy buying some different furniture, then you don’t have to ask permission to do so.

Lastly, if you buy the right house in the right area, then you should be able to make a nice tidy profit for yourself when it comes time to sell. Getting into real estate can be a nice little earner if you get it right, and you could use any profit to buy up more properties.

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How to Become a Mental Health Professional

counselorIf you have an interest in helping people while getting paid a nice salary at the same time, then becoming a mental health professional is a career you might want to consider.

There seems to be a great need for staff within the industry right now, which means getting a job once qualified should not be a problem, and it will supply you with a stable income for years to come.

So how do you actually become a mental health professional? Find out more below…

How long to qualify?

In order to get a top paying job you have to get the right qualifications. What type of job and how much you are paid depends entirely on the qualifications you have.

For example, if you want to become a psychologist then an undergraduate degree would be your starting point, which typically take around 3 years to complete. You would then take part in specialized career training for another 3 years until you are ready to take on a full-time job.

During this training, expect to learn how to use mental health software and other tools of the trade.

What kind of hours will you work?

When you become a full-time mental health professional then don’t think you’ll be working a typical 9 to 5 job. It just doesn’t work that way, and instead, you’re more likely to be working unsociable hours as you work your way up the ladder.

Of course, once more experienced and skilled you get to call the shots and have a say in what kind of yours you will be working, but at first it’s a case of take what you can get.

Always be studying

Even once you get a job in the mental health industry that doesn’t mean you have “made it.” There is always more to learn, especially when you consider that the metal health field is constantly moving forward and new discoveries are being made every year.

If you can’t make this commitment to lifelong learning, or if you just want a job that is a clock in, clock out type of deal, then it’s fair to say that you should look at pursuing another type of career.

The final word

Is a job as a mental health professional worth while? It certainly is…but it’s not for everybody, and this is why you should give careful consideration to whether or not you want to move forward in the profession.

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Great Reasons to Have a Family Vacation in the Wilderness Including Cost!

hikeIf you want to get away from it all for a few weeks with the family, but you don’t want to spend a lot of money, then a vacation in the wilderness could be the answer.

All you need is a tent, some basic camping gear, and a way to get there, and in no time at all you’ll be enjoying the fresh air and everything that nature has to offer.

Below are some great reasons to have your next family vacation in the wilderness.

Good for troubled teens

Many studies have shown the huge benefits that troubled teens can get from spending just a few days in the wilderness. It helps to clear their mind, get away from bad influences, and connect with nature.

You could send them to a wilderness program for troubled teens or simply have a family vacation where you can spend some quality time together.

It’s very educational

On a normal vacation, all families typically do is sit on the beach, swim in the sea, and watch TV in the hotel room.

On a wilderness vacation there is far more things to see and do, which makes it very educational for the whole family. There will be opportunity to visit historical sites, find out about nature, and learn valuable skills such as rafting and climbing.

Helps to get everybody active

If your main exercise is getting off the couch to walk to the fridge, then it is obvious you need to get more active.

Luckily, this is easily achieved on a wilderness vacation, where you are able to hike, swim, and run in all directions, and play games until the sun comes down. All of the family will burn calories and feel tired at the end of a long day.

Save money

Of course, the main attraction of a wilderness vacation is the fact you barely spend any money at all. Borrow a tent if you don’t already own one and keep your packing list light.

There is no need to buy more clothes or equipment for the vacation, just keep it simple and enjoy spending quality time with your family without any distractions.

Many different places

If you really enjoy your first vacation in the wilderness, then it’s good to know there are many different places to visit all over the country.

For example, one year you could visit California, while the next year it could be Montana. The choices are endless.

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Grocery Shopping Money Saving Tips

money balancingIf you want to discover extra dollars in your monthly budget, then saving money during your grocery shopping is one of the easiest ways to achieve this. Supermarkets are all in competition for your custom, and if you play it right then there is no reason you can’t save thousand of dollars a year.

Here are some grocery shopping money saving tips:

Go natural

Eating natural processed and jink foods might be convenient, but they also come with a higher price tag. In order to save money, buy foods as naturally as possible, without all of the expensive packaging and plastic. Look for vegetables, herbs, fruits, beef jerky and fish so you are able to cook meals from scratch.

Make a plan

Have you ever gone grocery shopping with the intention of not spending much money, only to end up spending a lot of money. This is because you are not planning what you’re going to buy in advance, and are just buying whatever you see. Make a plan and stick to it, being very careful not to go over budget.

Don’t use credit cards

Another way people end up overspending when grocery shopping is to take their credit card and then start spending money they don’t really have. It’s a much better idea to take cash, which makes it impossible to overspend.

Use coupons

Because there is so much competition between supermarkets they are constantly offering coupons on your favorite products and brands. Where do you find these coupons you might be asking? Well, for one you can check newspapers and magazines, as well as the official supermarket websites themselves. Also, check with family and friends, as people often save coupons they don’t end up using.

Buy in bulk

If a tin of chicken soup costs 1 dollar, but you can a pack of 10 tins for 9 dollars, then common sense tells you it’s worth buying in bulk to save money. This is especially true with tinned and canned goods, as they typically have long expiry dates so they can stored for a long time and eaten at any time.

Check the special offers

These grocery shopping money saving tips wouldn’t be complete without telling you to check the special offers that each supermarket currently has available You do this on their website, and then carefully choose where the best deals are to be found so you are able to save the most amount of money.

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6 Reasons Why Students Should Have Credit Cards

studentThere has been much debate on sites like about whether or not students should be allowed to apply for credit cards.

Some experts argue that it isn’t a very good idea, mainly because it just puts them under more financial pressure, especially if they already have a student loan.

That’s just one side of the argument though. Below you will find 6 reasons why students should have credit cards.

Build a good credit score

When used responsibly, a credit card is an excellent tool to help any student build up a good credit score. This means in a few years time they will find it easier to get accepted for things like car loans and mortgages.

Security when buying online

Perhaps one of the main reasons why credit cards are a good idea for students is because of security. If they get scammed when buying something online or don’t receive the product they paid for, then they are protected by the credit card company and will be reimbursed.

Cashback and deals

Let’s face it, the life of a student is often financially tough, and this is why taking every advantage possible is essential. Luckily, credit cards come with many bonuses such as cashback and special deals from selected partners, which means students will be able to save money and get essential purchases cheaper.

0% interest deals

There are now many credit card companies that offer 0% interest deals for a selected period of time, so when students are prepared to use them responsibly they can easily take advantage of this by using multiple cards.

Safer than carrying cash

If a student gets some cash stolen then it is gone and probably won’t be seen again. However, if their credit card is stolen or lost then everything is protected, and it’s a simple phone call to the credit card company to cancel the card.

Unexpected financial emergency

Sometimes there is just no getting away from the fact that unexpected financial emergencies will happen. Maybe the car needs fixing or the rent needs paying? In situations like this it’s handy to have some cash saved away to take care of it, but if this is not possible then a credit card is there to save the day.


So there we have it, 6 reasons why students should have credit cards. Maybe you agree or disagree with this article? Let us know in the comment section below.

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Renovate Your Pool Without Spending a Fortune

poolIf you’re pool has seen better days and it needs sprucing up then you might be scared it is going to cost you a lot of money.

While a large renovation project will set you back thousands of dollars, you don’t necessarily have to go down this route, especially if you only want to make a few changes that will make your pool look better just in time for the summer.

So what are some of things you can start doing right away to renovate your pool without spending a fortune? Let’s take a look…

Contact pool renovation companies

You might be surprised at just how competitively priced many pool renovation companies are these days, more so in some areas than others.

For example, in a place such as Costa Mesa, California, where there are many private residences who need this kind of service on a regular basis, pool remodeling Costa Mesa companies are everywhere so make sure you get as many quotes as possible.

LED lights

When you are planning some pool parties for the summer but your pool is looking old and tired, why not try out a few LED lights to make it look more glamorous?

You can get these kind of lights really cheap online and then install them yourself, so you won’t need to hire a professional. Definitely worth a try.


Another way to renovate your pool without spending a lot of money is to resurface the bottom and sides in order to give it a more modern look. Sure, this does come with a bit of expense, but ultimately if you do it right then it will last for many years to come and won’t need replacing for a long time.

It also cuts down on the amount of small repairs you need to do on a yearly basis, which means you end up saving money.

Water features

A really cheap way to spruce up the area around your pool is to buy some small water features. For example, you could have a water fountain at one end of the pool and a scupper at the other end.

Not only does this give your pool a classic look and feel, but it will also get a lot of compliments from neighbors and friends who you invite round.


Want to renovate your pool without doing any hard work? Fortunately this is now possible, thanks to a range of automated tools such as systems for controlling the quality of water and robotic pool cleaners that helps you get rid of things such as dirt and leaves.

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8 Simple Porsche Buying Tips and Tricks

porsche-911 yellowThere is nothing quite like driving your very own Porsche on the roads with the top down and the wind flowing through your hair. Let’s face it, most people can’t afford to buy a Porsche, so you are certain to be the center of attention once behind the wheel.

Here are 8 simple Porsche buying tips and tricks:

Set a budget

Without a doubt, one of the best tips to keep in mind when buying a Porsche is to set a budget…and then stick to it. A lot of people ignore this rule, and then end up paying more than they can afford.

Do your research

There is a wealth of information out there regarding the Porsche line of cars, so make sure you read as much as you can so you are able to gain the right knowledge.

Consider future expenses

Make no mistake about it, any kind of Porsche will cost you a lot of money, but the expenses don’t stop there. For example, if you’re an Orange County resident then you also have fuel, car insurance, and tax, as well as looking for a Porsche service Orange County company that can keep it running smoothly.

Use the internet

Want to get the best price on the Porsche model you’re planning to buy? If this is the case then the internet is your friend, especially if you go on over to a price comparison website.

Buy second hand

Who says that your Porsche has to be brand new? There are many places to find second hand bargains, such as eBay, Craigslist, specialist Porsche websites, or even your local newspaper.

Bring a friend

If you’re going to take a look at a Porsche and you don’t know that much about cars, you should always take a friend along who does. They can inspect the car more closely and give you their expert opinion.

Take it for a test drive

How could you part with all that cash without taking the Porsche out for a test drive first? Not only does this give you a taste of what it’s like to get behind the wheel of one of these cars, but you can also potentially pick up any problems while on the road.

Beware of “too good to be true”

Every now and again you’ll see a Porsche being advertised that has a really low price tag and is far cheaper than what it should be. In other words, the deal is “too good to be true,” and 99.9% of the time it is. There is probably something wrong with it so be very cautious if you decide to proceed.

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