Top 5 Reasons Why You Need a Secured Credit Card

Who would turn down the ability to obtain money whenever they need to? Credit cards have been around in people’s financial plans for a very long time. In addition to the instant cash it can provide, credit cards make it easier to avail some paid services. It also allows the cardholder to carry less cash when going out while rewarding them for accumulating points.

Stupid Approaches To Do When Dealing With Debts

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We all incur debts. In a way or another, in our lifespan we have it. And there is no denying that. I have incurred a mountain of debts before. Thanks to my senseless swiping here and there. But somehow that experience turned to be better. I was able to refocus on my finances and more so was determined to get out of debt fast.

Never Again: A Debtor’s Poem

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Never again shall I be swayed to swipe

For that new iPhone or Samsung phone

Or for dresses that are all but hype

For if I do use my credit card

I use it as scarce as I can

Because if I don’t, paying my debt will be hard.

Need Car Loans? Here’s How to Afford It

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Purchasing a car has never been this easy provided that you are employed and managing your own income. You can start picking out the latest car model of your favorite brand today if you wanted to. Unless you want to empty pockets and an empty bank account, most people prefer to secure car loans in the Philippines. This choice gives flexibility for anyone owning a car over a period of time because you have the choice of giving an initial down payment. Whether you choose it or not, the remaining amount can be financed and converted into instalments. However, the toughest part here is securing that car loan. Here are a few things you can do so that you can afford to pay for one.

7 Simple Money Hacks That Can Help You Save Easily

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So they say saving is hard. However, if we incorporate in some money hacks in our life, we might be able to have some spare money that we can save in the end. Even more, we might be able to decrease and if not limit our expenses. We no longer have an excuse not to save. With that said, I have been researching and doing some simple money hacks in my life that can help me and you save more in the process. What is even more fun and intriguing is that it made savings way easier. As such, here a few tricks that you too can easily do.

Reasons for Personal Loan Rejections

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Personal loans are necessary, especially if you need extra cash to cover expenses for a short term purpose, such as a holiday getaway, home renovation, a wedding and many more. Getting personal loans in the Philippines can be quite tricky, but if you read a lot of articles such as this one, chances are, you can prepare yourself and do the necessary things in order to secure that much needed loan.

Memories and Money

“Take vacations. Go as many places as you can. You can always make money. You can’t always make memories.”

My fiancé (Kuripot Pinay) and I discussed about traveling last night and it just so happened that I quoted the phrase above last night to her. She said that it’s probably unwise in some situation, and I have to agree with her, probably because of the misleading context behind the statement.

Common Salary Mistakes

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It is that time of the month again. I bet employees are rejoicing right now because it is payday! There is no denying the glee whenever this time of the month comes. Simply imagine your ATM is beefing up with money. Even more, you can now be able to buy the things that you have waited for days. Say goodbye to the days that you were on a diet because you no longer have the budget. Hurray for eating the good stuffs again.

Paying Off my Debts Fast

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Believe me when I say I was not always financially free. I too experienced facing debts in the face. And let me say that again, debts. Yes, I have more than one debt. I too have been called by the collections agency many times. Good thing I can see the number first before I can opt not to answer it. I too have faced the dilemma of knowing that my meager salary is not enough to pay my debts. Oh, the constant headache and sleepless nights because of it.

My Life, My Job, My Career: How Business Loan Helped Me Succeed

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Many of us dream of finding a business and hoping to manage it one day. However, if you don’t put serious thought into it, it will never become a reality. It will simply remain as a dream. Owners of businesses understand that it’s a big risk to take, especially when they find themselves deciding whether to pursue their career or start a business. Those who have decided to focus on their business have become successful with it because they have exerted all resources they have to make it work.

Vacation the Kuripot Way

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It’s summer once again and people are flocking to the beaches, the mountains, and even to places outside the country for a quick getaway from school, work, and the daily hustle-bustle of life. In most cases, traveling to other places can be very expensive when you don’t keep an eye out on your expenses. Chances are, you’ll create a budget and end up not meeting the said budget by going overboard.

Inexpensive Yet Special Mother’s Day Gift Ideas

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A few more days and it is Mother’s Day. I bet as early as now you are already thinking as to what gifts to give to our dear mothers out there. After all, they had us for months and years. Even more, we must be celebrating their presence for without them, we would not be here.