Winter Emergency Kit

Holiday season excitements often lead us to forget to prepare for winter.

Even though you may believe you are ready to face the winter chills with your scruffs, mitts and snow shovel—you may never know about emergencies! 

So prepare an emergency kit this winter. If you already have one, then it’s time to ensure everything is in order.

Here is a small list of items you should keep on your winter emergency kit.

·         Candles, heavy duty matches and a fire-proof container

·         Bottled water and non-perishable food for family and pets.

·         Water for cooking and other usage needs to be stored separately

·         Can opener and canned food.

·         Sufficient numbers of warm clothes and blankets.

·         Emergency first aid kit- including band-aid, alcohol swabs, pain killers, cottons and so on.

·         Flashlight and spare batteries. Make sure you have at least two flash-lights that are built for heavy duty.

·         Also prepare another kit for vehicle emergency. Vehicle emergency kit should include water-proof blankets, sand, flares, small tool box, rope and shovel.

 

Have a safe winter and enjoy the holiday season!

For helpful information and financial advice visit www.prudentfinancial.net

Prudent Financial Services helping people with bad credit since 1984.

 

Source: Red Cross

Black Friday- a Shopping Frenzy! Is Cross- Border Shopping Worth It or Not?

Like many Canadians, you are going to join the shopping madness on Black Friday in the U.S.

But is the time, energy or money worth it?

Some bargain hunters find Door Crasher sales, Power Prices and great brand selection too alluring not to go.

But some are not so sure. The reasons are lengthy border wait times, crazy impulse purchases and most of all The Crowds!  Also, many Canadian stores are offering deep discounts on top brands and extended shopping hours on special Black Friday.

So when you factor in the costs of gas, the mileage, the time it takes to cross the border, does it all add up to such a bargain?  Tell us what you think!  YES OR NO?

 

Christmas shopping plan without going RED on your budget

If you visited any mall this weekend, then you have already realized the Christmas shopping is in full bloom!

Even though you may feel like bringing everything home that’s on SALE at ridiculous prices that you’ll never see again, it’s time for you to calm down and prepare a list for Christmas shopping.

Check out the prudent way to became one smart shopper this holiday season.

1.       Become tech savvy. A recent article on Moneyville mentioned most buyers will shop online this holiday season. The reason is you can compare, compare and compare! Online shopping will not only save you money but also save you significant time shopping. Compare the prices on websites before hitting the stores. However it’s important to identify what purchases are a ‘catch’ online. Don’t purchase anything that is perishable, or you’re not sure about the size. However, you can never go wrong with gift cards, toys, accessories and home décor.

2.       Use your card rewards. According to recent consumer statistics, every Canadian has at least two reward cards or is involved in loyalty programs. If you hold any reward card, now is the perfect time to utilize as all those points will pay off either now or throughout the year. But make sure your reward program gives you the option to roll over your incentives next year. If you don’t have any reward card use your credit card cash back option. Also check for in-store coupons.

3.       Buy bulk only if you have a big family or planning a big party. Imagine the savings on dry foods, snacks, chocolates and other household items. Some great places to visit are Bulk Barn, Costco. Make sure all bulk items are non-perishable so you can store the left overs to use rest of the year.

4.       Make gift list and stick to it. This is very helpful when you have a strict budget when buying for your friends and family. Make a budget list to know how much you spend for each person. This way you will not end up spending more than you could afford. Here is a sample below-

Name	Gift Idea	Budget

5.       Finally don’t forget to have a great time. We all have certain budget limitations but let’s not stop this from enjoying the holiday season. Merry Christmas!

 For more money saving options this Christmas, visit our Facebook page http://www.facebook.com/prudentfinancial or website http://prudentfinancial.net/.

Instant Cash Payday Loans - Solve Your Sudden Cash Difficulties

You may have to face financial difficulties. Reason behind is of your short knowledge of available different sorts of upcoming funds. To cover the cost of your interim demands, lending authority has come up with the concept of instant cash payday loans. These cash loans can be processed is very quickly. And money is transferred into your account in the shortest possible time.

You may opt for cash loans for any of your purpose like paying off existing credit card debt, repairing car, birthday party, holiday expenses etc. The amount you plan to borrow is also an important factor and so is the time in which you plan to return the amount. You are able to secure a sum up to £1,200 for a period of two weeks. But you can request for a repayment extension to your lender. Your creditor can extend your repayment tenure further for one month maximally. 

Rate of interest paid upon the money provision is a little costlier than other form of money provisions. If you prioritise the loan repayment and give limit to your usages then such short-term loans can do a good work for you. It is considered better to use the fund for emergencies. These loans deliver critical stopgaps during tough fiscal times. If you find yourself increasingly dependent on such loans for your day-to-day survival, it is a good bet to take out instant cash payday loans.

Importantly, individuals having an adverse credit deformity too can avail the benefits of these money provisions without much hassle.

For all of this, candidates will have to share some of their personal information with their creditors concerned. It includes name, citizenship, age, address, employment status, and bank account.

If you are an 18-year old employed citizen of UK with a healthy bank account, applying such short-term money provisions can bolster at your cash crunch. You do not have to go anywhere for the loan subscription. You can even work it on sitting at your home too. Borrowers can apply instant cash payday loans online. Online is a simple and convenient loan procuring tool. It saves your time and energy, and makes loan approval fast. 

Instant Approval Payday Loans-enjoy Cash With Extremely Fast Approval

Do you need urgent money to pay off your fiscal emergency before it becomes big problem for you? Here is the hassle free and quick financial remedy in the name of instant approval payday loans. When you cannot wait to pay off your expenses till your next payday, these loans provide an instant fiscal remedy right at your doorstep. Do not lose the hope if you are sticky fiscal situation, this loan assistance helps you to borrow easy funds with fast approval.

Several eligibility terms for an applicant to approve instant approval payday loans:

ü Your age should be more than 18 years.
ü You must have active bank account.
ü Lastly, you must have good repayment ability.

As its name says, instant cash loans are secured against your upcoming payday. So, do not bother to place any valuable asset against the loan amount. These loans are short term financial facility offering funds range from $100 to $1500 and need to settle within time period of 14 to 31 days. Expenses like medical bills, tuition fee, library expenses, purchase furniture for your home, telephone bills etc can easily be paid off.

These are easy source of finance that is designed to meet the urgent financial expenses with least hassle. Your bad credit status is not the matter of concern. Thus, even if you are holding bad credit status like insolvency, foreclosures, arrears, defaults, bankruptcy etc., you are eligible without any issue. Here you do not have to follow any credit verification process.

Online application makes the application easier and approval faster. Now you do not have to wait in standing embarrassing lines outside the lender’s office. Just sit at your home or office and login to the online financial market. You can find many lenders available providing free loan quotes. Compare them and get the affordable loan deal. Completing a single application form and submitting it to the lender’s website will let you get the money direct in your checking account within the matter of hours. Get the desired funds right away within few clicks of mouse.

NOT ALL LENDERS ARE EQUAL

VEHICLE TITLE LOANS --  NOT ALL LENDERS ARE EQUAL

Your car is a valuable asset.  Next to your house, it is probably one of your largest financial investments.  And similarly, like your house, you can make the equity in your car work for you when you need to borrow money.

But not all lenders are equal.  So what should you look in a lender for when you go to borrow money?   Basically, the following five things:

1.      Make sure your loan is open so you can pay off early.  Why pay interest on repayment time not needed?

2.      Be sure the lender reports to Equifax regularly so that your payments can help you rebuild your credit score. A solid repayment history on Equifax helps to  restore your credibility as a person who can manage your payments responsibly over a prolonged period of time.

3.      If you are unableto make a payment on time, will you be able to call and hold your payment?  Will there be a charge?  How long can you hold your payment?  Lenders differ on this.  But there are some such as Prudent Financial Services who will allow you to hold your payments free of charge for up to two weeks.  This is rare.  

4.      Ask your lender if he will work with you in the event of an illness, a job loss or any other unforeseen misfortune that could impact on your ability to repay.  Would the lender  restructure the loan payments, for example?

5.      If you default on a loan payment but call up quickly to make arrangements for repayment, ask for reassurance that there will not be repossession of the car.  Most lenders will respond positively if you call promptly.  Some will not.

The relationship between lender and borrower is one of mutual trust.  The borrower is putting his car on the line and the lender is usually putting a good chunk of money at risk.  For the relationship to work, both parties have to be responsible and respectful.  If the borrower defaults on payments without communicating to the lender, he/she may jeopardize the possession of the car.

The onus is on the you, the borrower, to contact your lender as quickly as possible if there is a problem.  Most responsible lenders will work with you as long as they feel you are being honest and open.  This is how the borrower-lender process of Vehicle Title Loans could and should work.

For more financial tips visit www.prudentfinancial.net

Why Both Spouses Should Each Have An Independent Credit History

Gone are the June and Ward Cleaver days from the show Leave it to Beaver.

Our generation is changing quickly. We are getting married later in life. For women, it’s around 31 and for men, it’s about 34 years of age. First time marriages now have a 67% chance in surviving divorce. Married couples head 84% of our population. Now is the time to understand how important your credit score is for your financial health.

 

Are stay-at-home spouses at a credit disadvantage?

Stay-at-home spouses, male or female, can be at a disadvantage in today’s credit society if they have not already established individual credit prior to entering into marriage. The best advice for both spouses is to build independent credit histories . This is especially important if the marriage breaks-up or a spouse dies. Your partner's credit history is now no longer relevent for you. Also, in case of an identity theft of your spouse, your personal credit rating can support your family purchases until your spouse's credit identity has been restored--only if your credit score is a good one. Obviously if you have bad credit that'll be harmful rather than helpful.

Here’s how to create  your own personal credit rating. 

• Keep some bills in each of your own names after you marry. This will allow for independent credit histories.
• If you don’t have any credit built, apply for a credit card in your name. Make payments on time to create a responsible credit history.
• Getting a personal or car loan in  your name and your spouse's is also another great idea.
• Household bills like water, cable or hydro can also start a positive paper trail in your name.

Awareness is the first step in building a future for your family and strengthening the credit score for you and your spouse. Of course, a strong credit rating comes only from paying your bills over a protracted period of time.

For more valuable information, visit www.prudentcreditrepair.ca

Instant Online Payday Loans – Instant Approval

Often it is noticed that earning people have to cancel or postpone their wants until their income arrives. They may have to give up certain luxury order to make their payments in time. Lenders in the market have come up with new schemes and funds to fulfill the requirements of these people. Instant online payday loans can help you a lot in overcoming your expenses.

The offered amount under this credit scheme ranges from $£80 to $1500 and the repayment period is of 1 to 30 days. Instant online payday loans are available online. This greatly makes the entire application process easier. The borrower does not have to approach the lender face to face. The borrower explores online for the lenders who offer the best deals. He is only required to fill an application form, giving details of his name, address, phone number, account number and so on.

People with poor credit records can also apply for this monetary aid. Such people are granted a reduced amount of credit. The rate of interest for such advances is slightly higher, as they are short term finances.

These credit advances are granted on the guarantee that the borrower will return the credit along with interest on the repayment date. If the borrower delays in repayment, he is charged an extra fee. As the credit is not granted in cash, it is mandatory for the borrower to possess an active bank account in his/her own name. When the credit is approved, the money is transmitted directly to the borrowers account.

The conditions for approval of this credit scheme are:

• You should be a citizen of U.S.A.
• You should be at least 18 years of age
• You should have an email id
• You should have a valid bank account
• Your monthly income should be at least $1000 per month