When I was working before, I devoted my time at work and my only relaxation is my day off on the weekends. Being the bread winner in the family, it was so hard to keep up with the bills. It seems that bills keep coming in before you can begin to sit down and plan what to do. When my mother had a cataract operation in the hospital, it was another budget to set aside. The problem was, I do not set aside savings for health expenses in the family which is not a good budgeting at all. Therefore after payday, budgeting was already ruined. I always run to a credit company that offers lending services for our department.
That was a hard life until I decided to pull back and decided to plan my priorities and cut down expenses. Having loans are not bad if you decided to engage with it because you need to keep both ends meet at a certain time. When you are hard-up,
installment loans are there to help you out. There are also companies that offer
installment loans for bad credit so; just check out cashstore.com today. If you have bad credits, they will not turn their back on you. You will get the help that you needed. Visit the Website now!
Debt Ceiling? That is a serious negotiation of the government for the past weeks now. Republican and Democrats! Oh, I do refrain from talking about politics! I will not talk about that. I will just focus on my financial capability as an individual.
Back in PI, I have only one card because every time I apply, I was not qualified! As simple as that and I have no regrets! It would mean, less card equals less credit! I usually loan money from friends though and my financial status had been like that most of the time simply because I have obligation and bills to pay. Having one source of income, that is really hard to meet both ends. But, I did manage well even though, I live according to my means.
Presently, I admit I own credit cards and I am a responsible card holder. In the US, credit history is very important and Good rating is very important!
Just like a Country, a triple A rating is very important! Status symbol perhaps?
Since I have a good rating, I keep getting credit card offers from different banks. But, it's up to me to add more or not! I decided not to add more. My credit limit is already high which I really don't use much. I know in my heart, if I use it, it is NOT MY MONEY but a CREDIT which I will eventually pay!
Can I request for a higher credit limit? Of course, I can! But, why should I do that? I will not request for a higher credit limit because I am not planning to use all my credit. After all, it is credit and it is not my money!
Now, US credit rating was downgraded to AA from triple A. America is a rich country. Why do they borrow money from China anyway?
When we bought our condo property, we have no problem showing our credentials. We have a good credit for years now. So, when we went to order our living room appliances, the approval was so easy and the delivery was scheduled on the same day. There are so many advantage of having a good credit history for one, you will be offered a low APR cards and sometimes, it's waived. So, take care of your credit history, pay your bills on time and do not spend over what you can't afford to pay.
The picture is just showing you the design of our dining room seat. The price is so affordable and it was a new product from RoomsToGo at that time. It was delivered in the afternoon and the delivery guys helped to assemble the dining room set so, we gave them tips. Have you been to this store? Check the newspaper for their SALE schedule so you can get an unbeatable price and don't forget to clip some coupons in the newspaper or online.
Are you planning to buy a house this year? Are you hesitant because you are afraid of the financial obligation every month? Don't be! This is the right time to buy a property because of the present status of real estate business which is favorable for home buyers. If you have good credit, you will end up paying a low mortgage. But, if you have
bad credit, you will be paying higher rates. So, let us explore an option if you are not satisfied with the rate offered by your lender.
You might want to look at buying a home with
seller financing which is a viable alternative. Typically, seller financing offers no qualifying, lower interest rate, flexible terms, low down payments and a fast closing. You will want to check with your lender every year or so and see if you qualify for a lower rate by
refinancing.
Just remember when you are purchasing a home property, do not get stressed. You have many options open to you whether you have a high credit score or a low one. Either way you can purchase the home of your dreams it will just be under different terms such as
interest rates down payments and monthly payments.
Disclosure:
This policy is valid from 26 April 2011
This blog is a personal blog. For questions about this blog, please contact amiableamy in the message section. If my post has a sponsor, it may influence the advertising content, topics or posts made in this blog. That content or advertising post may not always be identified as sponsored content. The owner of this blog provides opinion on products, services, websites and various other topics. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer, provider or party in question. It is the sole responsibility of the reader to weigh the product endorsements as legitimate or not. This blog does not contain any content which might present a conflict of interest.
.JPG)
