If you are short of cash, don’t get stressed, instead consider your options.

Being short of cash is uncomfortable, stressful and it can disrupt your whole life. There is nothing worse than being short of cash and feeling vulnerable. Daily expenses can take their toll and for many of us, unexpected expenses can crop up and leave us short for the rest of the month until we are paid.

Although it is difficult not to worry and feel stressed, if you find you are struggling with a cash shortage, try to stay calm and focus on your options. Don’t panic. By staying calm and considering your options, you will be able to make a much better decision about your finances, and what form of credit to access for help.

For the majority of people, a cash shortage is a very temporary situation. Most people are in employment and earning a regular wage, so they know that they will have money again within a short period of time. For people in this situation, a Payday loan can provide a quick and easy solution to a cash shortage. They are earning money each month, and will be able to calculate how much they can afford to borrow for a short time. Then, when they have been paid, they are able to repay the loan in full.

If this sounds similar to your own situation, you too can consider a short term loan. Applicants must be in employment, over 18, with an active UK bank account. The application process is simple and can be done online without any need for lengthy application interviews.

Payday loans are not recommended for people who are on low incomes, or who are struggling with long term debt problems. However, they are an excellent source of credit for people who are earning regularly and understand the short term nature of these loans.

If you are short of cash and think you could benefit from a Payday loan, spend some time now, reading about this form of credit. Check the terms and conditions of the loan, and make sure you understand your rights and responsibilities as the borrower. Applications will be processed quickly and you will receive a response within minutes. Many successful applicants can receive the funds they need within the hour.

Say no to stress, and consider your options today. You don’t need to be short of cash, there is a solution to help you. Visit at https://www.doshdelivery.co.uk/our-charges.php

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The large financial institutions are still regarded as difficult, unfriendly and unhelpful.

Recent press coverage has once again highlighted how unpopular banks and financial institutions are. The Payday loan industry has seen huge growth in recent years, and many industry specialists believe this increase in the popularity of short term loans is a direct result of the difficulties people have accessing the funds they need from banks.

Reports are indicating that the majority of people prefer not to deal with their banks unless they have too, and many prefer not to get in touch unless absolutely necessary. This is unfortunate, because, just like private lenders, banks and building societies are bound by strict guidelines and rules. They must all operate fairly, and treat customers with courtesy and professionalism.

If you feel that you are not being treated well by any financial institution, you have the right as a consumer to complain. We also believe that people can be overly stressed when dealing with banks, and in fact, they do not need to be so worried. Most banks and private lenders will do their best to help, address problems, and answer questions and queries.

If you find dealing with your bank stressful and difficult, here are a few simple tips to help you handle things more easily and with much less worry and stress.

Most banks and lenders will be happy to arrange reasonable payments if your account is overdrawn, or you are behind on a loan payment. So it is best to call them and speak to someone, rather than ignore the situation. The longer you ignore a problem, the more serious it will become.

Keep all your paperwork, and make sure letters are dated and signed correctly, and that you file them safely for future reference. If you are speaking to someone on the phone, you can ask for their name and record it, and the time and date of the telephone conversation.

If an agreement is made over the phone, ask for it in writing by letter or email so you have a record of the agreement.

Communication is the key. If you keep the communication channels open, you will find that the majority of institutions are very helpful. Stick to agreements that are made to repay overdue loans, overdrawn accounts, or repay any other form of borrowing.

Don’t forget to ask for help if you are struggling. Maybe they will not be able to give you more money, but they may be able to give you more time to repay what you owe.

Financial institutions are there to provide a service for you, and help you. If you are reasonable with them, they will be the same with you. In recent years many people have struggle with banks, and lenders, but we believe that things are improving and relations between people and their banks and lenders is improving gradually and will continue to do so as people come to understand what help and assistance is available to them.

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It’s not long until Christmas! Are you financially ready for the festive season?

Christmas is just around the corner, and the need for some extra money is increasing. In addition to the normal festive expenses, heating and food bills go up during the winter months, making December and January extremely expensive months for all of us.

For those of us who have not been able to save some extra money for the festive season, budgeting between now and Christmas could help. For the next seven weeks, if you are extremely careful, it’s still possible to set aside a little money each week which will give you some extra to spend during the Christmas and New Year period.

Even an extra £100 per week set aside, will make a huge difference by the time you get to December the 24th! Try not to be stressed because of the forthcoming Christmas season, instead, start to think of where you can make savings, and how you can give your family a wonderful Christmas on a budget, rather than going into debt.

If you do all you can to prepare for Christmas now, you will find it much more enjoyable, and easier to deal with. And of course, if you are in employment, and you do find yourself short of a little cash during the festive season, you could apply for a payday loan to help you out in the short term.

For the next few weeks, try to stick to a strict budget for all your expenses. Use the extra to save a little for Christmas week, and the rest for buying gifts now, before things start to get too expensive. Search online and in shops for bargains so that your family can still enjoy a happy Christmas morning.

If you need to find out more about Payday loans during the festive period, check online now for more information, then, if you do need some additional cash, you will be prepared and know what to do and how to apply.

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Saving a little money each month can quickly turn into a useful nest-egg.

According to the news, the economy is slowly recovering, and yet many of us are still struggling to make ends meet. Although it can seem like an impossible task, saving a little money each month can very quickly build up to a significant amount which could prove useful if you need it.

Payday loans are a great way to access some emergency cash if you need it, but it is also a good idea to make plans and save as much as you can each month too. Having a small cushion of savings can make a huge difference to your stress levels if an unexpected expense crops up.

Although monthly bills and costs are still on the increase, take some time to find areas where you can make genuine savings. Recently we heard from customers who were sharing their tips for saving money. These included changing telephone, mobile phone and utility bill tariffs, changing brands in the supermarket, and car-pooling or biking to work. All these things can save a significant amount of money. One gentleman told us he managed to save £100 per month, and after a year, he was able to pay off some worrying bills.

Having the discipline to build savings will help you, you will feel in control, and it really does make you feel good as you watch your savings grow.

Short term Payday loans and other forms of credit are there for you when you need them. People have been using credit for decades, and this practice will not change, nor should it. Keep yourself informed about Payday loans, and the other financial services you may need. Knowing you have the option of short term credit, and that you are also saving, is a great way to stay in control of your personal finances.

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Coping with unexpected expenses during the winter months can be difficult.

The winter months are a time when life can get expensive. The colder weather, festive season, and the end of year bills, can all creep up on us very quickly.

For those of you who have been saving a little money during the year, unexpected bills may be easier to cope with. However, for thousands of hard working people, sometimes the money they have does not cover everything, and when this happens, accessing a short term can be a huge help.

Having access to short term forms of credit can be extremely useful in an emergency. Payday loans are simple to apply for and for many successful applicants it is a quick procedure too. The application process often takes less than an hour. Even if you have savings, sometimes it helps to be able to borrow a little extra.

If you are considering a payday loan to help you get through a shortage of cash, make sure you understand your rights and responsibilities. Knowing how the loan works, and when it needs to be repaid, will help you to have a more positive experience of this type of credit.

Think carefully before agreeing to a Payday loan. Always choose your lender with care, and ensure they are a responsible lender operating under the OFT guidelines. This will give you the protection and reassurance that you will be treated fairly while you are a borrower.

By working out exactly how much the loan will cost you, and being certain you are able to repay the full amount on the agreed date, you will have no problem using this form of credit. As a result, a Payday loan is more likely to be a positive experience for you.

Payday loans are not recommended if you are already struggling with debt. If you have long term financial problems, it may be better to speak to a credit counsellor, or access professional advice on how you can tackle your debts. Using new loans to repay older debts is a risky exercise and can lead to further debt problems in some cases, so it is always best to be careful and consider your options.

The reputable lenders will be happy to answer your questions so you can decide whether this form of credit is right for you.

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Autumn is here at last, and many of us are already saving for winter.

The winter season is always the most expensive in the year. While there can be expenses throughout the year, the colder months bring with them, a need for extra expenditure. Now is the time to start preparing for this extra expenditure. If you can, put a little money to the side so you have some extra for when you need it.

Heating bills will go up when the weather is colder. And with the evenings getting darker much sooner, we will also use more electricity for lighting. Colder weather tends to mean we want to stay at home more, so there will be bigger food bills too. Of course, we also have the festive season to contend with during the winter! Presents for family and friends, and making sure everything is in for the big annual Christmas dinner.

All these expenses can crop up, in addition to what we would normally spend each month. It’s why winter can be a financially difficult time for most families.

In order to be prepared for the added expenses, and to save you the stress and worry of struggling to pay winter bills, start saving the extra money now. If you cut back over the next two months, you will have some spare cash to help you get through December. If you forgo the special treats, and the little extras, just for the next ten weeks, you will have saved enough to really enjoy the festivities with your loved ones.

Instead of dreading the coming winter, you will be able to take it all in your stride and cope with it. You will be able to relax and enjoy it too. And if you do find yourself short, you can always consider a small payday loan, just to help you through until you are next paid.

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Try not to worry about money. Instead, stay positive and work towards a solution.

Experiencing financial difficulties can be an extremely stressful situation to deal with. No matter how careful we are, there may be times when the money does not last as long as the month does! On these occasions, some people turn to a Payday loan to help them through until they next receive their regular monthly wage.

It’s always good to save a little money every month, just in case you need it, and often having a little emergency nest-egg is a life saver when unexpected bills crop up. However, this is not always possible, and for many of us, saving every month is a difficult thing to do.

Payday loans are a form of short term credit that you can access if you need a small amount of cash until you are paid. You can borrow as little as £100 to help you out, and then on the repayment date, usually the same date as your pay day, you can repay the loan in full.

If you are considering applying for a payday loan, take some time to calculate the ‘Total Cost of Credit’. This is an important figure. The TCOC is the full amount the loan will cost you. It will include the interest on your loan and any fees. Before applying for your loan, make sure you know this figure and calculate whether you can afford to repay it.

By making sure you understand your rights and responsibilities, and by calculating the total cost of the loan, you will have a much more positive experience and be able to repay it comfortably.

If you are struggling to cope with long standing debts, a payday loan may not be the best option for you. If you are unsure, get some advice from a credit counselor or debt advisor. The most important thing to remember is to try not to worry, stay focused and do what’s best for you and your family.

Payday loans are a great way to access funds if you need them, and if you understand how they work, and can afford to repay your loan, there is no reason why you can’t use a short term loan to help you.

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Dowell managed Payday loans help to improve credit ratings?

We are asked this question on a regular basis, so we thought it was time to share our thoughts on the subject and give you an answer.

Payday loans are short term cash advances which are repaid in full when a borrower received their next wage. They usually do not last any longer than a week or two, and for the majority of borrowers, the loans are repaid when they are next paid.

Although your credit score is not necessarily taken into consideration by short term lenders, there is no doubt that if you pay off your loans, manage your credit efficiently and do not let anything go into arrears, that it will have a positive effect on your credit rating.

If you have credit of any kind, like a payday loan, a credit card, a long term loan or a mortgage, as long as you make the payments as required, and you are able to keep them up without defaulting or falling behind, then your credit record will remain strong, and your credit score will be good.
 
A bad rating is a result of defaults, failures to pay, or CCJs. If you have any of these issues, then you will need to work toward clearing old debts and re-building your credit score. If you are unsure about how you can do this, we suggest you speak to an expert who can help and advise you about managing debt and improving your financial situation. Organisations like CAB will be able to help you and advise you on the best course of action or who you should speak to.

If you have taken out a payday loan, and have repaid it as agreed, then this positive information will be stored on your credit record and will be used as favourable information when you apply for a payday loan again.

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Setting a budget is one way you can make your wages last a little longer.

No matter how hard we work, or what we are earning, there are occasions when the month lasts much longer than the money does! It is a situation that we have all experienced, and it can happen to anyone, no matter how careful they are. While some people may opt to borrow the money on a short term basis, there are also options to consider which will help to prevent this situation in the future.

Budgeting more carefully, so that there is a little money left to save at the end of each month, can be one way to handle those unexpected times when money is tight. Sticking to a budget for all your regular weekly and monthly expenses and bills, is one way to stay in control. By doing this you will have a much clearer idea about how far your money is stretching and were you may be able to make savings.

We are hearing that many families are reducing their electricity and gas bills by looking for cheaper tariffs, and we have also heard that huge savings are being made by shopping around for cheaper telephone, mobile phone and broadband services. Even ten or twenty pounds saved per week can add up to a significant amount of money over a year.

For example:

Reducing your mobile phone bill by £10 per week for a year can add up to £520 in a year.

Reducing your heating bill by £15 per month will add up to £180 in a year.

Cutting back on buying expensive coffee while you are at work can save you a significant £25 per week! Over a whole year this adds up to £1300!

So, by doing three simple things to cut back on expenditure and finding cheaper options, you could, after one year, save a total of £2000! Now wouldn’t that be a nice nest egg to have stashed away in time for Christmas? If you start now, you will be able to do it in time for Christmas 2014. Good luck!

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Is your paperwork piling up again? Here are some tips to help you stay in control of your personal files.

Sometimes, when we are struggling financially, even the most regular tasks can feel stressful. We’ve all experienced that feeling of frustration, staring at a pile of letters, bills and papers that need to be sorted and filed away. It can feel like agiant task, and often seems easier to stuff it all in a drawer and forget about it!

However, stashing your bills and papers away will just help them to turn into an even bigger pile, which will take longer to deal with in the long run. One of the most difficult aspects of struggling through financial difficulties is the feeling of not being in control of our own situation.

One way to take control and feel in charge is to get your paperwork in order. This simple task may be daunting to start with, but once you’re done you will feel great. You’ll know exactly what the situation is and understand every aspect of your situation.

By staying in control of our paperwork, we will find it much easier to stay in control of our finances. File away your bank statements on a regular basis. Keep a separate file for all the bills that still need to be paid, and file them in order of date so you have the most urgent bills at the top.Make sure you look at the file regularly, then as soon as you have paid a bill, take it out and file it.

This is a way of informing yourself, getting to grips with what is outstanding, what needs dealt with immediately, and what you can do to address each item. If you do this regularly, you will find it much easier to deal with bills on a regular basis, and you are less likely to be shocked by an unexpected demand for immediate payment. You will also be able to stay clear of falling behind with payments or defaulting on credit agreements which can seriously affect your credit record.

Often, after a long day at work, the last thing we want to do is spend time dealing with paperwork. However, if you get into the habit of spending an hour every week dealing with your mail and filing important letters and bills, you will never have to worry about unexpected bills or default payments ever again.

Stay informed, stay in control and stay a step ahead. Then, when you need to make decisions, apply for a short term loan or deal with a bill, you will know exactly what needs to be done and how to deal with it. And you will know where all your important papers are!

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Financial stress can be harmful to your health!

As the colder weather approaches, many people are already picking up colds and flu. During this time of year, we are more susceptible to stress. The nights are getting darker, it is colder, and everyone is back at work, and the kids are at school.
 
This is a time of year when it can feel as if things are starting to get more expensive again too. The heating and lighting bills go up. The weekly shopping bill might go up a little as we stock up on winter foods, and with the family back at work and school, daily expenses like fuel, lunch money, and transport costs can all add up.

With every season comes change in the weather, and for many families it also brings change in finances. Don’t let the end of summer get you down. Stress and worry can make you even more susceptible to colds and bugs that may be going around.

We are all naturally less active during the autumn and winter months, so do what you can to rest as much as possible when you are not working. Eat plenty of healthy, wholesome foods to keep up your energy reserves, and make sure you are getting a little exercise every day.

This may sound like odd advice to help you through difficult financial times, but in fact, taking excellent care of yourself will help you keep stress and illness at bay, which will in turn, keep you stronger and more able to deal with any issue that crops up.

Being short of cash, and worrying about how to make ends meet can feel even worse when you are struggling with a cold, hungry and exhausted! Be good to yourself. Give yourself a chance to stay in control and always do what’s best for you. If you need extra cash to help you through an emergency, you can consider all the options available to you and make a much clearer and more informed decision if you are rested, calm and in control.

Have a great autumn, stay cozy and above all, remember to look after yourself!

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There is no need to feel stressed. There are options for you if you need emergency cash.

Sudden financial emergencies can occur at any time and they can cause a great deal of stress. If you have been short of cash lately, you will know how upsetting it is. Being unable to access funds can make everything seem much worse, too. Help is at hand however.

For all of us, there are times when the money we earn does not last long enough and we need a little helping hand until the next pay day. Payday loans are an option which can address these situations and help you access the emergency funds you need.

Although payday loans are not the best option for everyone, they do offer a quick and easy way to access funds for thousands of people. If you are struggling with debt, or having difficulties coping with a low income, then this form of credit may not be the best solution for you.

However, if you understand how these loans work, and have calculated that you can afford the repayment on your next pay day. There is no reason why you can’t use it to borrow the emergency funds you need, and deal with the important things in life, rather than stressing about money.

Applications for payday loans are simple to complete and can be submitted online. If you are in employment, over eighteen, and can provide confirmation of your identity, address and employment, you will meet the requirements for borrowing.

Before submitting an application, make sure you understand the terms and conditions of the loan, and check that you have calculated and realise how much the loan will cost you. This is so that you can be certain you’ll have the full amount to repay on your pay day.

Remember that payday loans are short term forms of credit and they are not recommended as a way of dealing with longer term financial problems, ongoing debts or for day to day living expenses. They are designed to be used purely for emergencies.

Once you have decided what the best course of action is for you and your family, if you feel a payday loan provides the answer, then you will find the whole process easy and stress free, and you will have funds within the hour if your application is successful.

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Money worries can be extremely stressful, but there are solutions which can help you.

Being short of money or worrying about an urgent bill can be very stressful. For many hard working people, emergencies can crop up at any time, and the need for some extra money can add anxiety to an already busy working month. For some, this can even result in sleepless nights. This is especially true for those who are struggling to find an answer to financial worries and so they can make ends meet.

Most of the time however, these situations are temporary, and there are many ways we can tackle the stress of being short of cash. Once way to is set aside a small amount of money each month and start saving an emergency fund. This amount does not have to be large. Even fifty pounds saved per month can make a huge difference in an emergency, especially if you are caught short of cash. And in no time at all, the sum will grow to a significant amount. For example, if you can save just 20 pounds per weeks, every week from now until Christmas, you will have £360. Imagine what you’ll be able to do with that sum in an emergency, or during the month of January, which is traditionally a difficult month for most people after the excesses of Christmas.

By taking control of your daily expenditure, and carefully saving a little each week, or month, you will be able to create an emergency fund that can grow and stay safely untouched, until you need it.

Another way to make your money work better for you is to cut back on unnecessary spending, and to make savings wherever possible. Changing where you do your supermarket shop or slightly changing how you shop can make a huge difference.

Work out a weekly budget for yourself and your family. And then, stick to it. If you can stay within your budget and save the excess, you will be surprised how quickly your savings will grow.

Many people save exactly one quarter of their wages, and every time they are paid they transfer a quarter of the amount straight into a savings account. This is an excellent idea because it becomes a habit, and they get used to coping with the same amount of money each month. Meanwhile their savings grow and grow!

If you find yourself with serious financial worries, it is best to get some expert advice on how to handle it, this is particularly important if you are in debt. As soon as you can, consider saving some money every time you are paid.

If you are not worried about debt, and you are simply caught short in an emergency, you can always consider a short term Payday loan to access the funds you need. Short term loans are simple to apply for and if your application is successful, you can have the cash you need sent to your account within hours.

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Access the emergency money you need and let go of stress!

Sudden financial emergencies can make everything feel worrisome and stressful. It is especially difficult if you have urgent financial needs and are unable to access the funds that you need. One way that many families deal with these types of situation is to apply for a short term payday loan.

Payday loans are short term cash advances which are borrowed for a very short time and then repaid in full when the borrower is next paid by their employer. If you are experiencing a financial emergency, and you know you can afford it, then a short term payday loan may be an option that you can consider.

This form of short term borrowing is not the perfect solution for everyone however. If you have serious financial difficulties and longer term debt problems, this form of loan is not recommended. It is purely for short term use and all borrowers should think very carefully before committing to this type of loan.

For employed people, who have a regular income and an active UK bank account, it can be an option. Care should always be taken to calculate how much the loan will cost and whether you can afford to repay the full amount when you are next paid however.

Do not fall into a situation where you find you are unable to repay the full amount by the prescribed date; this can be when this type of loan becomes very costly. Always remember that they are designed to be very short term and therefore if you want to consider applying for this type of loan, you should make sure you can repay it in full when on the specified date.

By carefully considering the costs and making sure this is the best option for you, if you do experience a sudden financial emergency and find yourself short of cash, a payday loan is an excellent way to access the funds you need. You can get your loans quickly, simply and within a minimum of time needed to make the application.

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Saving money every month will help build your finances, and make your money go further

Although financial pressures can make life difficult, and sometimes we can struggle to cover all our expenses with one month’s wage, wherever possible, it is always sensible to save a little each month if we can.

Most households do not manage to save money on a regular basis; this is according to recently released statistics on the subject. It is unfortunate, because saving can help families to feel more in control of their finances and they can also help when financial emergencies crop up.

Many families will find that their money is beginning to run out well before the end of the month, or when they are next due to be paid.Sadly, this is a financial problem that leads them into a cycle of struggling and often it can result in debt problems which in return can cause an extremely insecure financial future for the entire family.

By simply being strict with yourself and doing a little bit of cutting back on your spending, you will be able to keep some cash every week, or month, and save it instead. Even as little as fifty pounds per week can make a huge difference to your savings and will very quickly build up to a significant sum!

Many families are working hard to reduce their monthly outgoings by cutting back on unnecessary expenses, reducing the costs of regular bills by finding better deals, and they are also making savings at the supermarket and in other shops where they buy their regular purchases. All these things are making huge in-roads into their money and making it last much longer.

One family told us that in just eight weeks, they had managed to save over four hundred pounds. They were amazed that they had done it and they were motivated by how simple and easy it actually was to achieve such a significant amount in such a short space of time. The really good news was that they said they did not notice any change in what they were buying and that they didn’t feel as though they were scrimping on anything. This is the very essence of cutting back, being careful and being determined to save.

Good luck with your savings plans! Tell us how you get on and what you achieve.

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Don’t let worries about your finances affect your health!

Stress is a killer. This is a scientific fact and something any doctor or medical practitioner will confirm for you. Unfortunately, it’s not always easy to live a completely stress free life, especially where money is concerned.

Money worries are a real issue for millions of families in the UK. Even people who are employed, and earning a decent living, have to work hard to make ends meet, pay the bills and keep debt at bay.

We don’t have any miracle cures for you, we wish we did, but, we’ve been talking to our team and to some customers and asking for tips on coping better with financial stress. We’ve realised, after years of helping people who are experiencing huge stress in a financial emergency, that there are ways to cope with stress that can make dealing with any problem just that bit easier to do.

Financial problems are the biggest source of stress for a huge majority of UK families. It can cause sleepless nights, dietary problems and as a result, could even have longer term health effects.

One thing is certain, endless worrying will not make a problem go away, nor will it help to tackle it. First thing to do is take a little time out and rest your mind from worry. A walk or a quick breather in the fresh air will help. Then take some time to jot down the problems. By doing this you can break them down into easier to manage ‘little steps’.

Keeping your paperwork properly filed and tidy can help you to stay in control too. Call any companies and arrange for more time or negotiate smaller regular payments. Another thing you can do is try to get your family to help, it should not all be on only one person’s shoulders.

These are all simple suggestions, and while they won’t be suitable for everyone, the overall message is to take your time, and consider your options so you can stay calm, don’t be tempted topanic; this is what causes the stress.

Getting your situation under control by informing yourself and giving yourself the space and time to make decisions will help you feel in charge and that will reduce stress. Stress comes when we feel powerless to make changes and can’t see an answer. The help is available, you have the power to turn things around and by facing it and saying no to stress, you will do it much quicker than you ever imagined!

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Now is the time to start saving for the winter months

It may seem too soon, especially when most kids are still on summer holidays, and we’re not properly into autumn as yet, but now is the perfect time to be saving for the coming winter months.
 
Winter is always the most expensive time of year. Although any time of the year can be costly, depending on our lifestyle and income, winter is always more expensive because energy bills go up, we spend even more time in our cars and Christmas is the single most expensive time of year for everyone.

To prepare yourself for the winter ahead, and to get the most from the money you earn, now is the perfect time to start saving. By putting a fixed sum away every month, you’ll be able to budget for Christmas and avoid last minute attempts to access credit in order to give your family a good festive season.

No-one knows whether we’ll have a mild winter or whether we will have the icy chill of previous years. Be ready to cover larger heating bills by stashing some extra cash now.

Here are some simple tips to help you save some extra money over the next five months so you can start December feeling more in control of your finances.

Stick to a strict budget for all your weekly expenses, and save all the money you would normally spend. Likewise, cut back on any expenditure which is not necessary for a few months, like coffees and lunches in town – why not take a flask and a packed lunch just for a few months? On average, working people spend fifty pounds per week on coffees, sandwiches, sweets and snacks while they are at work. There are 15 weeks until December.

£50 per week x 15 = £750

That’s nearly £1000! And you could save it simply by cutting down on buying drinks and snacks during the day.

This is just a simple example, but what we’re trying to illustrate is how easy it is so save a little, and how quickly it adds up to a lot. We know life isn’t always easy, and we understand how difficult it can be to make ends meet, that’s why Payday loans are available, so people can access the emergency cash when they need it. However, if you can save now, you’ll be sitting on a fantastic little nest egg this coming Christmas, so you and your family really can deck the halls and have a wonderful time!

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Getting ready for back to school!

It’s still summer time and the schools are still on holiday but we’re sure you will have noticed the appearance of back to school clothes and equipment already. Not to worry, if you’ve been following our blog lately, you’ll be ready for this additional expense after having saved some extra cash over recent months.

Whatever the needs, saving a little extra can really help you to deal with those additional expenses that crop up. And they seem to crop up on a regular basis at time too!

By putting aside a little cash every month, you can very quickly build up a little nest-egg of emergency money that you’ll be able to use when you need it.

Try and think a little in advance too so that you can budget ahead for shopping that you may have to do. School uniforms, road tax, monthly bills, they are all expensive and can be a significant percentage of our regular wage. Instead of struggling, to make ends meet, by putting a little aside every month and cutting back on unnecessary expenses, you’ll have the extra you need.

Payday loans are a good way to access emergency cash when you are short. But remember, they are not a form of credit which is there to let you go shopping. This is a type of credit which is for accessing cash in a real emergency, until you are next paid. Be careful and consider all your options before you borrow money on a short term basis.

Calculate how much you can afford to repay and then work out what you can comfortably borrow. Look for the best, most trusted lender, and make sure you complete the application carefully and accurately. A good lender will require proof of id and employment, a current UK bank account and proof of your address. If you provide all this, and are eligible, you could access emergency cash within an hour.

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Getting into the habit of making our wages last a little longer, can help when times are tough.

Here in DoshDelivery HQ, we’re always happy to hear from satisfied clients, especially when they let us know they are happy with the service! It’s also really helpful when they tell us why they borrowed the money and how it helped them. Here are some examples we have received recently…

One lady in the south of England was caught short in an emergency while she was on a short break with her finance in Scotland. They were really stuck, but knew they would be getting in paid in two weeks. Fortunately, they knew exactly what to do. Having taken out a loan previously, and paid it off fully, they wasted no time in getting back in touch and applying for a quick £300 to help them get back home. Within the hour it was all sorted and two weeks later, this second loan was repaid in full. Fantastic! We are glad we were able to help.

One gentleman who got in touch told us he was having some unexpected trouble with his car, and he needed it to get to work urgently. No car, no wage! So, he calculated how much he needed to get his car back on the road, and he applied for a short term Payday loan to help him until his next wage. Needless to say he was back to normal and driving to and from work in no time at all, as a result of his short term loan. We’re pleased to have been able to help him.

There are so many stories like this we get from satisfied clients, we could go on all day, but we won’t. We just wanted to share a few examples of why people borrow Payday loans. There is a myth that it is only people who are struggling with debt who turn to short term finance, but that is just not the case. In fact, we always advise that if there are longer term debt worries, a payday loan is not the best solution and further financial advice should be sought.

The decision to borrow money is a serious one, it should not be rushed into and consideration should be given to levels of income and any existing debts first.

When you find yourself strapped for cash and need to borrow some short term money, think carefully about how much you need, whether you can wait until you are paid, and if you can’t, make sure you can afford to repay the loan on the repayment date. IN this way, you’ll get the best of a Payday loan, and it will be a form of credit you can rely on to help you in a crisis.

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Today, we hear from successful borrowers about all the reasons they had to take out a Payday loan.

Here in DoshDelivery HQ, we’re always happy to hear from satisfied clients, especially when they let us know they are happy with the service! It’s also really helpful when they tell us why they borrowed the money and how it helped them. Here are some examples we have received recently…

One lady in the south of England was caught short in an emergency while she was on a short break with her finance in Scotland. They were really stuck, but knew they would be getting in paid in two weeks. Fortunately, they knew exactly what to do. Having taken out a loan previously, and paid it off fully, they wasted no time in getting back in touch and applying for a quick £300 to help them get back home. Within the hour it was all sorted and two weeks later, this second loan was repaid in full. Fantastic! We are glad we were able to help.

One gentleman who got in touch told us he was having some unexpected trouble with his car, and he needed it to get to work urgently. No car, no wage! So, he calculated how much he needed to get his car back on the road, and he applied for a short term Payday loan to help him until his next wage. Needless to say he was back to normal and driving to and from work in no time at all, as a result of his short term loan. We’re pleased to have been able to help him.

There are so many stories like this we get from satisfied clients, we could go on all day, but we won’t. We just wanted to share a few examples of why people borrow Payday loans. There is a myth that it is only people who are struggling with debt who turn to short term finance, but that is just not the case. In fact, we always advise that if there are longer term debt worries, a payday loan is not the best solution and further financial advice should be sought.

The decision to borrow money is a serious one, it should not be rushed into and consideration should be given to levels of income and any existing debts first.

When you find yourself strapped for cash and need to borrow some short term money, think carefully about how much you need, whether you can wait until you are paid, and if you can’t, make sure you can afford to repay the loan on the repayment date. IN this way, you’ll get the best of a Payday loan, and it will be a form of credit you can rely on to help you in a crisis.

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Don’t be short of cash while you are on holiday and away from home!

All the schools are off for their summer holidays and families all over the UK are heading for their annual vacations. Some are going towards sun, sea and sand while many have opted for staying and holidaying right here in the UK.

Whatever your plans are for this summer, make sure you take enough cash with you to cover all the expenses you are likely to need while you are away.

It’s easy to think you have put aside enough holiday money for each day, but it can very easily run out if you don’t consider all the types of expenses you could incur while you are away enjoying yourself!

Even if you have pre-booked accommodation which includes meals, it is always best to allocate a daily amount for food, whether this is for lunches while you are out and about, or special meals out at lovely restaurants to sample the local cuisine. You want to enjoy yourself while you are on holiday, not be struggling to manage.

Budget for holiday shopping too! When you are wandering around a new place, its lovely to buy a few things, mementos for your home or presents for loved ones. The problem is you can end up over spending and using up precious budget which was for other aspects of your holiday. One way is to save a special separate pot of spending money, just so you can treat yourself and splash out while you are on holiday. It’s a great way to do it. And you can start saving for it as soon as you book to give yourself plenty of time.

If you do get stuck short of money while you are away from home, you can consider a short term payday loan. As long as you have access to the internet and have all your details so you can complete the application, you will be able to apply for it from wherever you are.

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Dealing with your financial paperwork can help you stay in control and avoid mounting debt

Making ends meet and covering all the monthly expenses is not easy for any of us. For most of us, although we are employed and working hard, it can take real effort and sometimes, some juggling of cash, to make ends meet and to get all the bills paid each month. At times, it can feel like all we do is work to pay bills.

Do not be disheartened though. Staying in control of your finances and being aware of your financial position can help you to stay in charge and avoid serious problems like mounting debts.

One of the easiest ways to stay in control is to get into the habit of dealing with all the paperwork as and when it comes in. While it may be tempting to shove it in a drawer or in a cupboard, out of sight is not out of mind. Unopened bills and financial statements will only prey on your mind and add to your worries, not diminish them.

Staying in control means knowing exactly what the situation is and even if you are not in a position to deal with everything right now, if you know what is happening and communicate with your creditors, you are more likely to find solutions you can manage and stay on top of everything.

It is common for people to hate dealing with their personal paperwork. After spending all day in the office working hard for your employer, the last thing many of us want to do is deal with our own paperwork too! However, being in control, filing everything carefully and responding to communications form companies will help you to manage everything much more efficiently.

Even if you feel as though your bills are mounting, being aware of what you owe and knowing where all your paperwork is will help you to manage your money and deal with items and bills a step at a time, in a methodical and realistic way.

Very few of us can spend the afternoon just paying all our bills. If only it were that simple! By having a simple filing system and prioritizing your bills, creating direct debits for your regular bills and by keeping an eye or your income and your expenditure, you are more likely to know how things are going with your finances, and far less likely to be caught by surprise by a nasty bill.

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Saving a little money each month can help you get through life’s little emergencies

Times are still tough! The papers are saying the UK is slowly recovering after a double recession, and that’s good news, but for most of us, we are still feeling the effects of the recession and the boom days seem far away. The cost of living is high and wages have not increased with inflation. It is no wonder so many of us are finding it difficult to make ends meet. For most people, the money runs out before the next payday and it can be an extremely difficult cycle to break!

Most of us know that making do with what we have is the answer when money is tight, however, that’s not always possible when even the basics are a struggle. Some simple changes to how you spend your money can make a real difference and they could help you make your regular wage last a little bit longer.

If you are a regular follower of this blog, you will have read about setting budgets before. It is something we always recommend. Setting a budget for your weekly shop, your fuel expenses and other bills helps you stay focused and makes it a little easier to spread your monthly wage across the entire month.

When you set your budget, try making some savings on what you normally buy so you can reduce the weekly amount as much as possible. The goal is to set a budget for each week which gives you a little emergency money each week, but also, it gives you an amount you can save each month. If you stick to your budget, and don’t spend the extra, you can use it to add to your savings, or you can treat yourself a little at the end of the month.

Let’s start with the weekly grocery bill. Think about how you can save some money. Changing to slightly cheaper brands, buying in bulk for certain items and even considering a different store are all ways you can save a little money and shave another few pounds off your weekly shop.

If you are strict with yourself and stick to your weekly budget, you’ll be amazed how quickly you manage to build up a spare pot of cash in savings. This can be your emergency fund. Once you have it, then you can consider saving for bigger items like a holiday or a new car.

The choice is yours, but even a pound saving a day can make a massive difference. Consider this; saving just £15 per week for an entire year will give you a little nest egg of £780! Now, think about what you could do with nearly £800!

Being motivated enough to save some money each week can make you feel great, help you deal with unexpected emergencies and save you money in the long run.

In the meantime, if you do need emergency cash, you always have the option to consider a short term payday loan if it is the right option for you.

Start saving today and you will soon be on your way to financial freedom.

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Even when the sun is shining, financial worries can cause a huge amount of stress

Money worries are one of life’s biggest sources of stress. It can affect every part of life if it is not dealt with, health, relationships and work life can all be affected in a detrimental way because of financial pressures or stress due to debt problems.

If you are feeling like this, don’t think you are on your own. Millions of hard working British families are still struggling. The sun is shining at last and we finally have the summer we’ve been waiting for. It may seem as if everyone is having a wonderful time while you are working hard trying to pay bills and meet your commitments. But you really aren’t on your own; you are in good company!

There has been a lot of good news in the media recently, Our Andy Murray won Wimbledon at last, the economy is picking up and we have a new Royal baby due any day now! Why not add to the positive feeling by planning some positive changes for your finances so you can reduce stress and feel more in control. Being free to enjoy life is a goal for all of us, and part of that is having our finances in control so we don’t worry so much.

The first step toward dealing with financial worries is to get your spending under control. While that may sound easier said than done, it is possible to make savings, cut back and simplify life without depriving yourself of a good quality of life! We have many readers who have systematically saved significant sums every month just by being stricter with their monthly budgets, cutting back on unnecessary spending and changing spending patterns.

Recently I re-vamped by monthly budget and found an extra £100 per month to save, simply by changing and reducing my family mobile phone contracts, reducing my fuel consumption by planning my week more effectively and ordering items online rather than going into town for items.

Once you work out your weekly or monthly budget, stick to it. Try and incorporate a little emergency money into your budget too, even just fifty pounds can make a huge difference if you are caught short. But, if you don’t need it, save it! Then you’ll have a little emergency fund which will start to build up.

The next step is to create yourself some realistic and achievable goals; things to work toward. This can be saving for a treat or a goal to reduce certain debts. Every month that you have dealt with another stress will leave you feeling better and more in control.

By reducing your spending, staying in control and within budget and re-organising yourself, you can start saving, dealing with debts and make yourself much happier. The main thing is not to be defeated and to try not to worry. The stress and worry can, over time, make situations feel much worse.

And remember, if you are caught short and need some extra short term cash, you will have the option of a payday loan to consider if you feel you need it.

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Make Sure You Have Enough Money During the Holidays!

Summer is well and truly here, the kids are off school and the sun is out! Many of us are thinking about heading off on holiday now. Whether you are going off toward sun, sea and sand abroad, or whether you are planning to enjoy the best of what Britain has to offer, it’s always best to make sure you have enough money to see you through while you are away form home.

Running out of cash when you are on holiday and away from home can put a real dampener on things! So, it’s best to be prepared and organised with some spare cash for just in case. Holidays always prove to be more expensive than we anticipated.

Being away from home and nowhere near your own bank to arrange for extra cash can be difficult. Knowing you have some spare in case you need it will put your mind at rest. If you find you do need emergency cash while you are away, don’t panic.

One option, if you need to consider it, is to get yourself online and speak to us here at DoshDelivery. We can help you out with a short term loan if you are stuck away from home and need some money.

As long as you meet the criteria of being a UK citizen, in employment in the UK and have an active bank account and home address here, you can apply, wherever you are!

Take care while you are on holiday, take the amount of cash you think you will need and then take a little extra emergency money too. Then, if you do experience an emergency while you are away, and need some help, a short term payday loan is always there for you to consider as an option.

Have a great summer!

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Saving a Little Every Month Can Make a Huge Difference to Your Finances

While life is financially tough and most of us are struggling to make ends meet, the idea of saving money on a regular basis seems practically impossible. The average working household, according to statistics, does not manage to save money. Most families find the money starting to run out before the end of the month! But this is a cycle which can lead to debt problems and an insecure financial future. Wherever possible, cutting back on spending and saving as much as you can will stand you in good stead and keep the wolf from the door.

According to the feedback we receive, most families are busy cutting back on their expenditure in any way they can. Reducing fuel bills, car-sharing, selling off old unwanted items. These are all options people are choosing to save money or bring a little extra into the household.

Even simple things like conserving your electricity by being careful with usage and buying slightly cheaper produce can make a real difference to how far your regular wage goes.

Short term Payday loans can be a really useful option for people who are experiencing a financial emergency. However, care must always be taken that you only borrow money if you are sure you can afford to repay it. A short term loan is not designed for propping up or dealing with a serious financial problem or regular shortfall in your earnings. Using any type of credit to cover debts or supplement regular income this could cause financial difficulties further down the line.

Always consider your options and do all you can to save money regularly. Then if you do need cash suddenly, you will have a little emergency pot you can fall back on.

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People with genuine reasons apply for PayDay loans

More than 2 million people every year turn to short term payday loans as a means of access funds in an emergency. Statistics see this level set to continue, despite the bad press many less than popular lenders have experienced.

A payday loan is a very real option for many hard working people who are in employment and in receipt of a regular income. The majority of short term borrowers simply use payday loans as a way of helping them get through s sudden cash-flow crisis. They pay their loans off in full upon their next pay day and many of them have reported they would use the facility again if the need arose.

Payday loans are designed to be short term loans only. They are not intended as a means for dealing with longer term financial problems. In fact, you may get yourself into more financial difficulties if you attempt to use a short term loan to pay off existing debts. Think carefully about why you need a lone and consider all your options before you apply.

Payday loans are designed for employed people to access cash quickly and simply, when they need it. The online application process, while robust and thorough, is easy to complete and does not take long. Most applicants receive a response to their applications within a very short while, sometimes minutes if all the information is provided and the applicant is eligible.

When you are deciding how much to borrow don’t forget to find out what the interest charges will be and if there are any fees that will need to be paid. Work out how much you can afford to borrow based upon what you will need to pay back at your next pay day.

If your application is successful, you will receive your money, straight into your bank account on that day to use as you require. Then, when you are next paid, your loan will be repaid in full.

To use a short term loan properly and get the best from it, always consider your options, calculate the cots carefully and communicate with your lender. By doing this, when you have a genuine reason to need a short term loan, you will be able to access one with no difficulty.

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The decision to borrow money, even on a short term basis, is not one to take lightly.

Here at DoshDelivery, we take pride in providing all the information and advice prospective borrowers may need prior to making an application for a short term payday loan. We do this because we realise how important it is to know exactly what is involved with any application for credit.

The decision to borrow money is a serious one, it should not be rushed into and consideration should be given to levels of income and any existing debts first.

Short term payday loans are designed to give working people access to funds when they suddenly experience a financial emergency. They are designed as a way to access cash, quickly for just a few short weeks. Short term loans are usually paid off within two weeks of the borrowed money being issued.

After making the decision to borrow, and identifying the best lender who can meet your needs, it is always wise to carefully calculate exactly what you can afford to repay upon your next wage day. You can then use this figure to calculate exactly how much you are comfortably able to borrow.

Try not to be tempted to borrow more than you can afford. Consider your regular monthly commitments and bills and make sure they are covered by the next wage. It is the amount after your bills are paid that is available for use to repay a short term loan should you decide to go ahead.

Short term payday loans can provide hard working employed people with a means for access emergency cash when they need it. As long as you choose a reputable lender and calculate the costs of your loan so that you can pay it off on your next payday as agreed, you can use this type of credit as a smooth and stress free way of accessing the cash you need, when you need it.

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Managing those unexpected summer expenses

Well, at last, summer is here! It looks like we can all enjoy some real summertime sunshine after a long, wet, cold winter and a virtually non-existent spring.

While the good weather cheers us all up, things are still difficult for many of us in terms of making ends meet and managing until our next pay day. Summer seems to be a time when unexpected expenses can just as easily crop up.

While we may not be spending as much on heating bills, expenses can crop up when we venture outside and see things in the garden which need fixed up or we find that the house needs fixed up. While these are not emergencies, they can use up significant amounts of our income which can cause problems if an emergency does crop up.

It’s always best to save as much as you can on a regular basis so you can manage when things get tough at the end of the month. However, for urgent needs, when there are no other options, short term payday loans can provide many working people with an option for credit which lets them access the fund they need until they are next paid.

If you are already dealing with debt then its best to do everything you can to not borrow further. Reducing expenses and being careful with how you spend your money will make things a little easier. However, if you have a regular income and know you can afford to borrow, then it is an option you can consider when you need a little extra financial help.

Sometimes emergencies can crop up while you are on holiday, sometimes unexpected bills crop up that need urgently dealt with and it’s not possible to wait the extra few weeks until you are paid.

Whatever the reason, think carefully, consider all your options and if you do decide to borrow on a short term basis, make sure you calculate exactly what you can afford to repay when you do receive your regular wage.

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Finding a good short term lender

Although a simple internet search will reveal literally hundreds of lenders who offer short term payday loans, it is not so easy to find a good one.

There are still many tales online, and in the press, of people who have been taken in by dishonest lenders who loan money to desperate borrowers and then charge them with hidden fees, or harass them constantly.

Be on the lookout for lenders who are not reliable and who are actively seeking to make sales and sell you their loans. To protect yourself from these types of lenders, make sure you find out a bit about any lender you are considering doing business with. Find out about the company’s background, read customer comments or reviews elsewhere on the internet and really try to establish whether they are trustworthy or not.

You are looking for a lender who has a solid reputation amongst their borrowers and is known and respected in the industry. Trusted lenders will not harass you, take advantage of you or apply pressure on you in any way. The proper checks will be made, and their application process will be thorough, even if it is quick.

You’ll know you have found a good lender if you find one who provides loans which are suitable for individual customers’ needs. Good lenders provide excellent customer service which includes providing all the advice and information you need prior to applying for a loan. They will not force you into a decision before you are ready to commit. You are entitled to ask questions before you submit an application for a short term loan. Good lenders work to important ethical lending practices, so they should check what you are borrowing the money for, will always make sure your information is correct and always advise those already in debt to seek professional credit advise rather than borrowing further.

Finally, make sure your short term lender holds a current Consumer Credit License. These are issued by the OFT. Lenders who are operating without a license should be avoided.

By carefully finding out about a lender and making sure they meet these requirements you are more likely to find a trustworthy and reputable short term payday lender.

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Are you trying to generate some extra cash quickly?

Have a clear out and selling the things you no longer need or use is a great way to generate some extra money.

While there are options to access extra cash, like payday loans, we don’t always want to borrow money. Sometimes it’s just a matter of having a good tidy up and getting rid of all that clutter and stuff you don’t need anymore.

Have a look in your wardrobes. Are there clothes in there you have not even worn? We’ve all got items, either as gifts or as impulse buys which are still hanging there with their tags on. Why not list them on E-bay and sell them? Better you have the money in your pocket.

Books, cd’s, dvd’s, computer games, unwanted gifts. These are all things that could be sold at a car-boot sale, in a free listing in the paper or online, or on E-bay. You’ll be amazed how much cash you could generate just by having a proper clear out and selling the things you don’t need anymore.

Have a look in your attic too! We’ve heard so many stories of people who have rediscovered items of considerable value in their attics and sheds. Possessions they had forgotten all about that were in a box, gathering dust the whole time.

Make your possessions work for you! Keep the things you need and love, but sort out all the extra clutter and sell anything which is still in a desirable condition. You’ll feel better for having had a proper tidy up and you’ll enjoy the extra cash in your pocket too!

It can take a little time to get things sold on e-bay, or at a car boot sale, but it is a fairly quick way to generate cash.

If you do find you need extra cash in an emergency then consider all your options, whether you choose to have a clear out and sell some things or to apply for a short term payday loan, you will find the solution which suits you and your family best.

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Be sure you have enough cash during your holiday!

We’ve all just enjoyed the Spring Bank Holiday, and most of us were treated to some fantastic weather too! Why not make sure you are ready for the next bank holiday by considering your finances and getting things in place now so you have a little extra cash?

Bank holidays can be a time when extra unplanned expenditure crops up, especially if you decide to throw an impromptu barbeque or to take the family out for the day. These things are weather dependent and we don’t always know what our weather is going to do!

Don’t worry however, if you do run out of cash while you are on holiday. A short term pay day loan can be an option for those who need an extra amount of cash to help them out until their next wage arrives.

This can be particularly useful if you are away from home and need some cash urgently.

Don’t be tempted however, to use a payday loan to fund your holiday fun. Always make sure you can afford to borrow the amount you are considering. Short term pay day loans are designed to be used for emergencies and to be paid back within a few weeks when you are next paid. Using these types of loans for unnecessary expenditure that you cannot afford can be problematic if you do not consider the repayments, how much the loan will cost in total and when it must be repaid by.

Always think carefully before applying for any loan. If you save a little every week or month, then you can create a little Bank Holiday fund for yourself! You will be on the road to being a successful saver and you’ll have loads of worry free fun the next time we’re all off for a few days.

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Summertime saving tips so you can enjoy the best of the sunshine.

Summer is upon us and it’s time for gathering with friends and family to enjoy the best of the British summer – whatever the weather!

It’s the time of year to be out in the garden, enjoying days out or getting together for a barbeque, but what about the costs of all this fun? Things are still financially tough for all of us, and when money is tight, it’s usually the fun stuff that is cut back.

One thing we here so often is that people find it much harder to stay motivated and on track with their money and savings if all they do is work hard and never have any fun.

Here are some quick and easy tips so you can have fun while you are saving the pennies.

Eating out does not have to be expensive. It’s always worth keeping an eye out for two for one deal or special offers. Most of the good restaurant chains are desperate for your business and offer excellent couples and family meal deals on a weekly basis.

Special offers are a great way to save money for days out too. Keep an eye out for vouchers, or kids go free coupons to attractions or theme parks. Getting your kids into a theme park for free can make all the difference to your budget.

If you’re going out for the day, take a picnic. Whatever the weather – it will be fun to eat together, cheaper and the money you save can be spent on another day out!

Consider some free options too. Days at the beach, at a National Park, at a museum or art gallery are all free! You can enjoy the outdoors or take in some art and culture – whatever you are interested in.

Get your friends and family together and organise an evening of fun. If everyone brings a dish and contributes – the cost is kept low for everyone!

Life is for living – even if it is financially difficult. Give yourself the treats you deserve this summer! It will motivate you and make working hard every week seem so much easier.

DoshDelivery.co.uk short term loans are available to people who are employed and have an active UK bank account. If you find yourself in need of emergency money this summer, you can consider a short term loan as an option.

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How can we make our money last a little longer?

If you read the paper or watch the news, you’ll hear reports of continued doom and gloom in the economy, but you’ll also hear stories of slow and steady recovery. It’s hard to know which reports to believe. One thing is certain, we are all still having to work very hard to make ends meet and for most of us, no matter how hard we work, it’s a struggle to make the money last until the next payday!

Making do with what we have is the only way to weather the financial storm the majority of us are experiencing in the UK. There are simple things we can all do to make our money stretch that much further.

Setting a budget and sticking to it for your weekly shopping and expenses is one way to make the money go further. It’s easier than it sounds too, you just need to be strict with yourself and only spend what you have allocated yourself for that week. If you overspend, then you must acknowledge, you are using up the allocation for the following week and will have even less. Try it another way. Assign a weekly budget, do all you can to spend less than this amount and carry over the extra!

When you are shopping go for the cheaper options, whether that means a different supermarket or maybe a smaller pack of your usual brand? You don’t need to suffer or deprive yourself. This is about being wise and careful with your money and strict with your budget.

The more you save and succeed in making your money work for you and look after you, the more motivated you will feel. Money is not in charge of you, it is a commodity we all need but we can train ourselves to make it a tool for us. Much better that being a slave to it.

Motivating yourself by saving money, cutting costs and staying in control will help you feel less stressed and less strapped for cash!

Then, if you do experience an emergency and need access to some extra, you’ll be in a far better position to consider your options, like a short term loan. Knowing where you stand with your own finances is the most important step to being debt free and enjoying financial freedom.

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Get ready for the summer with some great reasons to start saving today.

Not many of us have lots of spare cash! Certainly for most of us, no matter how hard we try, it seems to be practically impossible to save a significant amount. Financially things are not easy for anyone these days however, there are still ways we can turn things around and kick start our savings.

Summer is coming so why don’t you consider cutting back a little on expenditure and saving a little, just for a rainy day – or a sunny day hopefully!

There are so many benefits to saving. It can help improve your credit rating and it can give you the motivation to succeed if you are saving for something specific. At this time of year, a little nest-egg to enjoy this summer is a lovely way to start saving towards a treat for you and your family.

Even though life can be unpredictable with unforeseen expenses popping up from time to time, usually, our regular expenses and bills stay at the same level each month. This is where you start. Work out exactly what you need to pay each month and start to examine where you are spending money on unnecessary areas. It’s this unnecessary spending you can use to clear debts and save!

By working out how much you can easily afford to stash away each month you will end up, very quickly, with a little nest egg. And if an emergency does crop up, you can use it if you need to.

Be strict with yourself though. If you can, leave it and don’t spend it – let it grow! Then, you’ll have a sum that’s really worth having.

You’ll feel so good having some savings in the bank. It takes the uncertainty of life away and you will feel much more in control of your finances.

Don’t wait any longer, start saving today!

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Don’t let money worries get you down.

Financial problems can cause a great deal of stress. So many of us have suffered sleepless nights trying to figure out how to make ends meet. Worrying about it can make the situation worse though. The best thing to do is make a plan to get back on track with your money by setting yourself goals and targets which you can take, step by step. Very soon, all the problems which were weighing you down will start to resolve and you’ll be feeling in control again.

First get your daily expenditure under control. It’s easy to make little savings here and there which will make a huge difference at the end of the month. Look at all your regular spending habits and firmly make changes to make things cheaper. Reducing your expenditure always makes a real difference to how far your money will go.

Work out a budget for yourself and stick to it. Cut out any unnecessary spending which has turned into a habit, for example, do you really need to spend so much on take out coffee every working week?

Now set yourself some real goals. This is not about even more pressure on you; it’s about creating a plan and a vision to strive towards. If you list some small goals first to start you off and then and some big ones, you’ll achieve them one at a time and feel good all along the way.

Start to save as much as you can. Even if it is just a few pence in a tin at home, it is something and will quickly grow into a useful sum. The old saying, take care of the pennies… it’s true and it really works!

If you are struggling to cope with serious financial worries, always seek professional advice from a debt counsellor. Don’t be tempted to borrow more money. Short term cash loans are an excellent form of credit for those who need to access emergency cash but they are not recommended as a method for dealing with existing debt.

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How to be a super-saver in the super market.

Saving money and sticking to a strict budget seem like simple things to do, but in practice it is not easy at all. It’s interesting to note how many comments we receive from folks on the look-out for good money saving tips while they’re doing the weekly shop.

Saving money at the supermarket is not as straightforward as one might assume. Their shelves are loaded with marketing savvy offers which look like bargains when in fact; they are encouraging you to spend more!

Here are a few simple ways you can help yourself to stay in control and keep your budget to a minimum at the supermarket.

Do a count while you are shopping. The simplest way to do this is by using a calculator; we’ve all got one on our mobile phones these days. Using a calculator can help you work out whether a special offer really is the bargain it appears to be. Work out the cost per kg and in many cases you will find the non-offer produce is cheaper by weight! Using a calculator to tot up your total spend is also handy. How many of us have been shocked by the total spend at the check-out when it’s too late?

Go to the supermarket with a budget in mind and stick to it! Do not be tempted to overspend. Many of our readers choose to do their supermarket shopping online and have it delivered to their homes. This saves them on fuel costs and they can take their time and order exactly what they need in the cheapest way possible. They don’t get distracted by all the displays and temptations around in the supermarket either. Try this method as a way of sticking to budget – it really works! My family tried it and we saved an average of £50 per week on our weekly shopping, including the fuel costs. That’s £200 pounds per month!

Finally, it’s always wise to shop around. Just as you would when searching for a short term payday loan; look for the supermarket with the best prices, best produce and best services, which suit you and your family. Whether you are borrowing money in the short term or saving money or both, always shop around. It’s your money so make sure you are in charge of it.

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Why short term loans are increasingly popular

Regardless of what you may have read in the press, Short term payday loans are increasing in popularity.

News of lenders who have not been engaging in fair lending practices, or who have been improperly selling their financial products, has been in the media a lot. It’s good news for the consumer because these bad lenders have rightly been brought to justice and exposed. However, this does not mean that all payday lenders are untrustworthy.

Payday loans are popular amongst working, employed people who have a regular income and who know they can afford the loan and to repay it in full on the specified date. As a result, they are able to take full advantage of the quick nature of this type of loan. The application process is simple and quick, it takes less than an hour to process in many cases, and the money is paid out extremely quickly too.

Anyone can apply for a short term cash loan, as long as they are employed, can prove their identity and have a current UK bank account. Those who are eligible and this can be checked very quickly as part of the application process, can apply for a loan. As long as you are between 18 and 65 and working, you can apply.

People find they need the emergency assistance of a Payday loan for many reason. Sometimes they are surprised by an emergency bill or urgent repair to their car or home that cannot wait. Whatever the reason, it is clear, that for those hard working people who need some extra cash but who understand their commitments, their income and expenditure, a payday loan is a very real and useful option.

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Payday loan TV advert banned by the Advertising Standards Authority

Did any of you see the Payday loan advert starring Kerry Katona? Or maybe you have since read about it in the press? You won’t get a chance to see it now. The advertising Authority banned the advert labelling it as irresponsible advertising.

According to the press, the Authority were inundated with complaints about Ms Katona’s flagrant use of her own bankruptcy,thenciting a PayDay loan as a source of very easy, fast cash in times of real financial trouble.

We agree with the Authority’s decision. It was an irresponsible advert in the extreme. To give people in financial difficulties the impression that a PayDay loan is an answer to long term financial problems is irresponsible in the extreme and shows a total disregard for the rules of responsible lending that all lenders must adhere to.

While we will never condone blanket censorship of advertising, on balance, the decision to ban this advert was the only fair and just thing to do. And it was the only way to protect the consumer from being misled.

Payday Loans are short term loans, designed to give borrowers access to funds for an extremely short period of time. They are not designed for use as cash-pots to supplement meagre incomes or as a means for paying off other longer term serious debts. To consider this type of loan as a way to address larger debt problems has the potential to compound your debts and your stress levels, not deal with them.

Think very carefully before applying for a short term cash advance. This is an option if you have regular employment and you can afford it in the short term. If you are in debt, seek expert advice, don’t add to your borrowings in the hope of a fast solution.

Most importantly, don’t be misguided by lenders who blatantly attempt to sell you money in such irresponsible ways as we witnessed on that TV advert.

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Don’t let your money control you! Some tips on how to stay in charge and make your money work for you.

Taking care of the tiresome task of dealing with mail, bills and paperwork is something we would all rather forget about. I’m certain we all have a pile of paperwork that needs to be filed or dealt with, in a drawer or sitting on our desks.

Don’t ignore it! That pile of paper will just get bigger and it represents your financial well-being. Would you ignore a pile of twenty pound notes if they started to stack up on your desk? Ignoring your financial admin tasks is almost the same.

So many people leave their paper work until the last minute, when a bill is due or there is a financial emergency, then they are panicked trying to find what they’re looking for. If this sounds like you, here are some helpful tips to help you break the cycle.

Putting your financial papers in order will immediately give you control back over your own finances. The process of sorting and filing your paperwork will give you a clear view of your income and expenditure. You’ll know exactly what bills need dealt with and you will find it much easier to break things down into manageable tasks.

Make good use of your PC or laptop; you can create yourself simple spread sheets for weekly budgets or record your monthly income and expenditure. They are the simplest way for you to record and keep track of your money. Keep your bank statements carefully and in order, and any correspondence from banks or financial institutions should also be filed in date order so you can easily find them should you need them.

Once you’ve got your paperwork tidied and filed, keep it up! The biggest change you’ll experience is the sense of being in control. Then, if a financial emergency doe crop up and you find yourself in need of emergency cash, you’ll know exactly where your financial documents are. If you need to find particular papers, bills or need to know exactly what your monthly commitments are, you will be in a position to know the answer quickly, simply and with no stressful rifling through piles of paper!

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Doing your research can save you money!

There’s been a lot of talk recently about the government’s ‘austerity measures’. They’ve been encouraging us to do the same. It’s easier said than done though!

One way we can all make ourselves some real savings is to look at our utility and service providers. Take some time this week to make sure you are getting the best deal available for your electricity, gas, telephone, mobile, broadband, weekly supermarket shop, television subscription. The list is endless, and the savings you could make are massive!

All you need to do is invest a little time into carefully researching all the options available to you. It is not as lengthy or difficult a task as you may think.

The economy is in a double-dip recession and businesses are suffering. But you can use that to your advantage! There are so many companies out there who are offering reduced rates in order to attract customers.

Don’t just jump at the first seemingly good offer you come across though. Read the small print! Research the company, check for hidden costs or clauses that may result in higher costs.

Competition is a good thing, especially if it gives us the opportunity to shop around and find the best money saving deals.

So, whether you are looking to change your utility providers access a short term loan or change your mobile provider, follow the golden rules:

Shop around, find the option best for you, try to save yourself as much money as possible, read the terms and conditions, and finally, don’t commit until you are sure it is the right service for you!

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Online shopping – the new addiction.

We’ve all made a spur of the moment purchase online and then regretted it the following morning. Online shopping is full of the temptations that are just too easy to give in to. It’s so easy to make a purchase now, with PayPal and one-click purchases. Before we know it, we’ve over spent.

The fashion conscious shopper is particularly susceptible to the temptations of online shopping. It’s so easy to see a ‘bargain’ and think, ‘Oh, if it doesn’t fit I’ll send it back.’ But how often do we ever send anything back?

Online shopping really is too easy and it gets people into real financial problems very quickly, especially if they are using credit facilities to make their purchases.

The important thing to remember is that while we can all make mistakes, we are the one who are responsible for our financial health. Thoughtless spending can lead to real financial difficulties. While there are options employed people can use to help them through an emergency, like payday loans, it is never wise to borrow money to pay off existing debt. This is how the spiral of debt grows and can get out of hand.

Before you press buy, or add another item to your basket, stop! Ask yourself if you really need it, whether you can really afford it and, if you are using borrowed money be very careful indeed.

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