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Tag: Holiday Season

Why Personal Loan For Christmas Holidays May Be A Good Idea

Why Personal Loan For Christmas And Holiday Season May Be A Good IdeaThinking about to get personal loan for Christmas and holiday season! When winter comes, most of the people start thinking about the festive things to do for themselves and their family. Christmas is one of an important eve that’s coming next, it has made people excited with the upcoming good family event beside there are many of us that felt less excited due to low earnings and or less savings. The holiday season has got various occasions to celebrate that make it expensive for even all of us, being tighten of money makes us worry about how we will cope with our risen cost due to Christmas and holiday shopping with low finances.

Credit cards are generally used to pay these expenses, although everyone needs to spend on food, gifts, traveling and family gatherings. As credit cards are fairly expensive kind of credit, in case you can’t pay it on time in the New Year it will add up with high interest rates and sometime this debt will go with you several months.

Taking advantage of overdraft facility at your bank is another option that many people used in the holiday season. There is no doubt overdraft is a convenient option, but it requires good price to pay back; is generally expensive to maintain, you require to pay monthly fee with the percentage of interest charge. Taking overdraft facility is almost expensive like a credit card in related to personal loans Canada.

Moreover, if you overdraw your account heavily that can easily reach to your financial limit, what you will do in case an unexpected expense arises in the New Year? Remember, if you squeeze up your limit on your overdraft that can make it hard for you to overcome, especially when you are already experiencing less spare cash every month by maintaining your normal financial budget.

Payday loans for Christmas and holiday season may not be a right solution because of its high cost that you need to repay in single payment from your upcoming payday. As you know Payday loans Canada work great especially when you have unexpected expenses of smaller amount which you can payback easily from your monthly income, where this holiday season may require you to spend lot that you may not return at once in next few weeks.

So what may be possible solution to this? Are we doomed to a festive season; being thinking about bread and butter while thinking to stay alone and keeping our self miserable? Well, maybe personal loans for Christmas holidays could be the right answer. Taking out a personal loan for Christmas holidays, if completed thoughtfully and with an exact motive in mind, can offer you with the cash you need to get for the holidays without making it worst in the New Year.

First step that you can begin to get your personal loan by shopping around; that’s the way you’ll be able to take benefit of the intense competition between lenders and loan providers and to get credit at a much lower rate than that of a credit card, payday loan and an overdraft. This will results in smaller monthly repayments which also means clearing up your debt hassle free and fast.

Secondly, a personal loan is typically offered on a fixed rate basis, that’s mean you’ll already know exactly how much you require to repay each month. This contrasts to the high and variable rates of credit cards and overdrafts that can change from month to month, leaving your personal budgeting unsure.

Finally, a personal loan is most usually repaid over a specified duration of time, and then after your debt has been cleared. With your credit card payments, it’s tempting to just pay the minimum repayments, where it’s barely covering the interest charges, leaving the best part of your debt as uncleared. This is a guaranteed way to complement the credit card company while keeping the debt burden on you.

So personal loan for Christmas and holiday season may be a good idea! Is taking a personal loan the right solution for you? Certainly not but it depends on your financial position, credit should always be taken out with careful consideration to find out how it will affect your financial future, and it is of course a right way to avoid the loan if possible because it’s always better to live within your means. Can you get a personal loan for a holiday? Yes, if you earn regular income while having good credit score you can get personal loans for holidays as well as personal loans for Christmas holidays in Canada. However, if you make a decision that credit is the only way forward then a personal loan is generally the less expensive and most effective option you can take advantage.


How To Make New Year Resolutions And Stick To Them

How To Make New Year's Resolutions And Stick To Them TipsThere are 3 out of 4 Canadians who are going to shop online on this holiday season and the average spending is estimated at $1450. According to the latest report of Statistics Canada, the value of orders placed online by Canadians consumers have reached $18.9 billion in 2012, up 24% from 2010. Before you start your holiday shopping, be careful with your online safety and indeed your budget, where safe online holiday shopping require you to have enough knowledge to find out which is legit or scam and you should control your over spending because its good if you can enter into new year with your savings and not liabilities, that’s require you to make new year resolution in advance. Setting up realistic Financial Resolutions for the New Year will help you in achieving all kinds of financial goals, non-financial and personal goals as it puts you in control of your money and life. There are many ways to make your new year’s resolution, here are the most important ways; follow the 3 tips to help you stick to your New Year’s resolutions. Although many of us start the New Year full of hope and excitement for making things happen, many of us quickly give up on our goals and wait until the next year to even think about them again. But we set resolutions for a reason, and that’s because we hope they can improve our lives in some way. So if you want to set goals you can keep this year, how you can stick to your New Year’s resolutions; here are three tips to help you make it happen.

1) Set Realistic Goals And Achievement That You Really Can Keep

The first place to start is with your goals and achievement. Are they realistic? Are they honestly, honestly something that you can see yourself achieving in the coming year? By all means, push yourself with your goals, but do it within the limits of what’s possible! Planning to work out for 2 hours every single day probably isn’t realistic for most people, nor is it realistic to think that you’ll cut out all sweet food completely if you like your sweet treats.

It’s also important to ensure you don’t try too many things at once. By all means, plan to improve your guitar playing skills, to get healthier, and to learn a new language, but try focusing on just one goal to begin with. Once you’ve made the first goal a habit, or reached the milestone you were aiming for, you can move onto the second.

2) Understand The Way You Feel

Although not all our New Year’s resolutions are about giving something up, understanding the way you feel about things like overeating, or other habits you may have, is crucial to seeing your goal through to the end. If you’re trying to give up drinking, or a certain type of food, understand that cravings come and go like waves, and do the best you can to learn about what triggers your cravings so that you can avoid them.

The same goes with things like exercise. Think about how you feel when you can’t be bothered to exercise, and put it off until tomorrow – you probably feel like you let yourself down. But when you do exercise, not only are you happy that you’re meeting your goal, but you may even get a rush off those endorphins!

3) Reward Yourself, Don’t Punish Yourself

We tend to work better when we’re working towards certain rewards, rather than avoiding punishments. So decide on some ways to reward yourself for completing goals. Instead of berating yourself and feeling guilty for not doing something, think of how you’ll feel and what you’ll do when you do something you want to do. Pick milestones relating to your goals, such as 1 month without a drink, or 5 days of exercising every day, and give yourself something nice as a reward (a new CD, a nice meal etc.) Rewards are far better motivators than fear! Try to stay away from financial worries; just follow these tips to enter into New Year while having some savings to continue with your positive trend to build your personal finance.


New Year’s Resolutions! I Wish I Could Get Financial Comfort and Joy

New Years Resolutions - I Wish I Could Get Financial Comfort and JoyAre you ready to make New Year’s resolutions for 2013 to improve finances? Learning from mistakes is an excellent way to land on a right path but what happens if we don’t stick to the objective; in deed we will lose another year without getting financial comfort and joy. According to a recent survey that has been conducted through Credit Canada and Capital One which states: majority of Canadian men and women shows good concern to agree on money making resolutions but when it comes to practically go forward to carry on, they don’t. It means large majority of such individuals can easily get out of the financial worries if sticking with their commitments.

According to Wikipedia (what is resolution): “A New Year’s resolution is a commitment that a person makes to one or more personal goals, projects, or the reforming of a habit. A key element to a New Year’s Resolution that sets it apart from other resolutions is that it is made in anticipation of the New Year and new beginnings. People committing themselves to a New Year’s resolution generally plan to do so for the whole following year. This lifestyle change is generally interpreted as advantageous.

Financial resolution is the most important among various common resolutions that don’t even directly effects our personal commitments to improve finances, good credit score, credit repair, get out of debt and save money but also indirectly effects our everyday life related to non-financial resolutions because organising our personal habits, goals and achievement programs, not even help us to get best results for these but also improve personal finances.

New Year’s financial resolutions may be different with different age groups, early age requires to concentrate more specific goals related to education and career enhancement programs, mid age requires to concentrate on such goals that help to boost income and streamline your investments and savings programs and old age is the time to get retirement benefits for all of your accomplished goals. Moreover, check your credit occasionally to get a clear picture about your financial status to enhance creditability by eliminating problems and mistakes.

Following are few of the suggested personal financial resolutions that you can keep to consider in the New Year:

  • Establish your credit rating, it will help those individuals who are new and have not initiated their credit file yet to achieve good credit score in advance to get loans on best interest rates when in need.
  • Repair your bad credit rating; it will help you in getting your normal financial life back to enjoy all the benefits and savings that good credit history does.
  • Pay off credit cards and loans; get out of debt, debt load reduction and settlement.
  • Make an emergency fund.
  • Get insurance to protect your life, business and assets.
  • Make a retirement plan, open and contribute to a Tax Free Savings Account (TFSA) and Registered Retirement Savings Plan (RRSP).
  • Consider saving for education.
  • Reduce credit cards and use it responsibly.
  • Reduce spending to save more; make a budget to track your spending.
  • Make a savings plan, set up an automatic system.
  • Start tax planning for 2013 now.
  • Enhance your financial literacy and or find the right financial advisor.

As we are all planning to celebrate great events on this holiday season while spending lot of money, organising entertaining programs for family and friends and getting gifts for our love ones. But before you get started for your holiday shopping, you should first make a list of your spending; make a budget within your means and if there is something you want on credit then don’t take expensive loan or extra spending through your credit cards that you can’t payback in full. If you didn’t fulfil your previous year’s resolution then it’s a best time to continue with your new year’s resolution by entering into new year without carry forwarding any financial liability to the next year, it will definitely help you in sticking with your commitments from the beginning and keeping up with the same trend can bring up success in accomplishing your new year’s resolution next year. It’s a productive self-commitment to get financial comfort and joy as it will help you in saving and making money many times over in the years ahead.


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