Take Control of Your Finances and Improve Your Credit Rating

Screen Shot 2018-01-17 at 8.15.28 PM.png

If you have a credit rating that is a little less than ideal, then it can be a long hard slog to repair it and improve the score. A little like losing weight, it can take time; there isn’t a quick fix. But with some determination and a plan, then repairing your credit score is very possible indeed. But why even bother? Well, at the end of the day, the credit score that you have will determine plenty of things in the future. Even something as simple as getting a smartphone contract can be determined by your credit score. So it pays to make a bit of an effort to get it right. Here are some tips to help you improve your score.

Check Your Report

To know what you need to be improving, then you need to see what the actual damage is going to be. So if you’re just guessing it is bad, then why not get a proper credit report to see? There are various free ways to do just that, using sites like experian.co.uk or freecreditcheck.com. So it isn’t tricky to do. But what you should do is to look at the report closely and check if all of the information is correct. If there is information that isn’t correct, such as a card or loan that you didn’t take out, or missed payments that you didn’t have, then you can have your score adjusted accordingly.  

Plan Ways To Improve

One of the ways that you can improve your credit score is by actually using credit cards. There can be some, reviewed on sites like repair.credit, that can help to build your credit score, believe it or not. So if you have cleared any other cards, then starting afresh could be a good idea. You need to show that you can pay off in full or make the repayments each month and then your score will improve. Just make sure that you are able to make the payments first, though.

Set Up Payment Reminders

Some of your missed payments in the past could be simply because of simply forgetting and then missing the payment date. As soon as the payment date is passed, then it means that a late charge is applied and your finances can get a little out of control. So set yourself some reminders to make sure that you never miss any more in the future.

Reduce The Debt You Owe

If you reduce the amount of debt that you owe, then it can be very satisfying and help you on you way to good credit. The best thing is to not apply for any more credit for the time being, and reevaluate what your budget is. Can you make some cuts for a couple of months in order to pay off some more of your debt each month? It can make a difference to how quick this whole thing can be dealt with and your score can be improved.

Advertisements

What To Include on Your Wedding Day

Screen Shot 2017-09-18 at 2.41.15 PM

What to include on your wedding day depends on what type of wedding day you want. There are so many different themes to go for, and you’ll often be trying to make it as unique to your day as possible. But in the flurry of all the major details that you might be thinking of, it is hard to remember the finer details that are going to help to make your wedding so special. So to try and make things easier for you, we’ve put together a list of the finer details you need to consider when planning your wedding.

Before

We can consider this part of your wedding day, because it is just so important. There’s going to be many stressful periods during the run up to your wedding, but one of the most stressful is definitely going to be the night before. You’ll most likely be separated from the groom, and be having a bit of girly time with your bridesmaids. So the main thing you want to include here is as much pampering as possible. You need to feel relaxed and beautiful, and it all starts with a girly routine. Have a nice hot bath, and do the full works. Make sure your legs are shaved, you’ve body scrubbed all over, and you’re feeling fresh. Then have a nice facemask, one that promotes lightening the face up to give you some radiance. Chances are you might not sleep that much, so you want to be as awake looking as possible.

During

You’ll probably have all the main events of the day covered. You’ll know what you’re wearing, what to say with your vows, but you might not have considered the send off. When all has been said and done on the day, you’ll want to be greeted by a crowd of cheering people, and maybe even a bit of flare. There are so many send off ideas for the perfect wedding to choose from. Just try and spice it up a little to make things interesting. What you want to think about is footwear after the initial wedding ceremony. We all know how painful heels can be, and if your dress is a long flowing one, no one is going to see the shoes underneath. Take a comfy pair of trainers with your for the wedding reception so you can really let your hair down and have a dance.

After

After all the fun and games of the actual wedding day is over, you’ll probably want to be whisked away to your honeymoon. The sooner you go the better. You’ll feel that first married buzz for so long, and spending some time with the one you love just after you’ve been married is so romantic. Whether you’re going abroad or not, make sure you have planned it plenty of time in advance. You’ll often get a lot of freebies if the hotels know you’re on your honeymoon as well! Hello upgrade the the superior suite! But the main thing to do is focus on the romance of it all.

Simple Tips To Help You Through Your Tough Financial Times

Screen Shot 2018-01-16 at 12.21.09 PM.png

Bad habits

Everyone has bad spending habits. However, some people seem to struggle with them more than others. It’s a common issue to be stuck with debt, and it can plague you for years of your life, so how do you stop it? Well, first of all, you need to make sure you can avoid future debts, learning how to be smart with your money is an important trait that everyone should have. There are many cash management methods you can use out there, even setting up a simple spending plan can help you. The most obvious pointer would be, don’t spend money you don’t have. Some people find it essential to take out a loan, but that can often lead to many financial problems in the future. It’s best to make sure that you’re not taking out a loan and then betting you’ll be able to repay it, and rather making sure you’ll have a steady income until it’s paid off entirely.

Debt management

Sometimes debt can get out of hand, and it can be challenging to keep track of if you end up in debt with multiple lenders. Not only that, but the payments can become more and more difficult to keep up with if you’re having trouble matching them on time; so it’s best to do something about them before they become too much for you to handle! Reaching out to a debt relief service might be your best bet, they can’t solve your solution for you, but they can assist you significantly while you make up for your payments. Getting debt relief for bad credit can change the way you deal with it greatly, and you’re sure to have an easier time when paying it off. Multiple forms of service come under this, each with their strengths, which means you should read into which one is best for you!

Daily savings

If you’ve always been frivolous with your money, then it might be hard to identify where you’re losing money. If you’re starting to struggle with your finances though, it’s best you start evaluating where your money is actually going; you’d be surprised by how much people waste over the period of a week. For example; knowing where to shop can be important when it comes to your weekly bill. When it comes to groceries, you shouldn’t naturally gravitate towards buying the brand food because you believe it will be higher quality. Instead, you should experiment with the cheaper products, In most cases, the generic brand can be around a quarter of the price of the brand stuff! Sadly, living in debt is no time for you to spend out on such things, so it’s better to fix it now before your situation gets even worse. You may find that you’re paying your debt back much quicker than you had planned, in which case is the quality of your groceries really that important?

Knowing how to manage your money is a vital asset if you’re living alone, just making sure you always have something to fall back on should your financial situation collapse. Imagine one day you for some reason lose your job, what are you going to do without cash to pay for food and bills? Even when in debt, keeping savings aside is important.