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.

Read More

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.

Read More

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!

Read More

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.

Read More

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.

Read More

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.

Read More

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.

Read More

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!

Read More