Ideas For A Great Valentine’s Day On A Budget

Some people may think that Valentine’s Day is just a marketing strategy, however legend has it that Valentine was a priest who served during third century Rome. At that time, there was an Emperor by the name of Claudius II who had decided that single men made better soldiers than those who were married so he banned marriage in hopes of building a stronger military base. Valentine thought this was unjust and started secretly marrying young couples. When the Emperor found out, he sentenced Valentine to death. During his imprisonment, Valentine had fallen in love with his jailor’s daughter and before his death had written her his first letter signed “Your Valentine” which is the phrase still used today.Valentine’s Day has become one of the most commercial holidays and it’s very easy to get...

Is a Prepaid Credit Card Really Beneficial?

What is a Prepaid Credit Card?When you think about a prepaid credit card it may sound as if you’re being extended credit. This is misleading as the card is similar to a debit card or gift card. If you want to make a purchase using the card, then you must deposit funds in the account. As you use your card for purchases, it’s reducing your balance so if you deposit a balance of $300 and make of purchase of $150 then you’re left with a balance of $150. It’s a lot more like managing a savings or chequing account than it is a credit card.Why would one use a Prepaid Credit Card?You can get this type of card regardless of your credit history so an individual who has a poor credit history and does not have a credit card may get the card to make online purchases where a credit card is needed. As the...

How to Rebuild Your Credit After Bankruptcy

After bankruptcy, you will notice that there are literally hundreds of offers from various companies wanting to help you fix your credit. You may feel somewhat ashamed or humiliated. The road to re-establishing credit is not easy but with hard work and determination, you will be on your way to good credit.When a person files for bankruptcy, the Office of the Superintendent of Bankruptcy notifies the credit bureau. This information stays on your credit report for 6 years after the discharge date and for a second time bankrupt, the information stays for 14 years after the discharge date. Once you’re discharged you can start to take these following steps to start rebuilding your credit:Open a bank account – Open a new savings account with a bank that was not included in the bankruptcy. Regardless...

Tips To Getting Your Finances Back On Track After The Holidays

The holidays are now over and you suddenly realize that you’ve spent a lot more money than you could afford and panic is starting to set in. Your credit cards are a mess, your bills are piling up and your bank account balance is plunging, so what do you do?First you must face the facts. The best time to act is now. If you ignore your bills, you’re only going to get yourself into a greater financial mess. Call your credit card companies and your service providers to see if you can negotiate reduced interest rates or fees. Use whatever negotiating tactics you must to try and convince them to lower your fees. If you decide to transfer your debt to a 0% interest credit card, just make sure that you cut up any old cards so that you’re not tempted to use the old card with a zero balance and put...

Payday Loans No Hassle - Without Hassle Same Day Payday Loan Requirements

In today's world, it may not be surprising to know that you can avail loans without any hurdle. Payday loans no hassle is proving absolutely true in the UK as borrowers who are facing temporary financial urgencies can meet their needs without concerning much about formalities. As a matter of fact, these loans do not require any sort of collateral or credit check formality against the approval of loans.The best part is that these loans are hassle-free and sanctioned within timeframe of 24 hours. The borrowers can apply for payday loans to meet their urgent financial demands that crops-up without any notification. Internet has made it possible...