Credit Cards or Store Cards

Credit Cards or Store Cards

Many people may not realise that there are various differences between store cards and credit cards. In fact, it seems that people think that store cards are often a lot cheaper and easier than credit cards, but that is not always the case. Whilst credit cards can have high interest charges, often store cards are a lot worse and consumers end up paying a lot more back than they should be.

The reason that people are drawn into applying for store cards is the discounts. Most stores have their own card now and they offer discount prices of 20% off their products if you use their card. However, what they do not tell you is that the 20% you are saving off the original price of the clothes is actually made up from fees.

So, whilst credit cards can get you into debt, store cards are usually worse. That means that credit cards are probably a safer choice but it is always worth looking at various different ones before applying. No matter which card you do decide to opt for, both need comparing and you need to rally shop around, compare credit card offers to find the best deals. Do not just opt for the first one that you are offered and ensure that the card will be worth it before you apply.

Secured Loan Applications When You Are Unemployed

Applying for a loan when you are unemployed money can be pretty tough. In fact, it is when you are unemployed that you mainly need the extra money that a loan could give you. So are you allowed to take one out or are loans only for the employed? Well, the good news is that you can still get a loan if you are unemployed it is just hard finding a company to help you.

The main reason loan companies do not like lending to the unemployed is obvious – they do not have any source of proper income. So just how exactly could they pay back the loan without proper income? That is something you will have to ask yourself. If you could afford it somehow then that is great and you should not let anything stop you from applying, but if you cannot afford it you should really think again. Getting into any kind of debt is advised against so if you cannot afford the repayments it is not worth applying for a loan of any type.

The best thing is that you are a homeowner and apply to get a secured loan. Tenants can also benefit too. The best way to find the loan that you need is to do a search online. It is hard to find companies which offer unemployed loans as it is without scanning the phonebook for hours at a time! So, do your research and you will find what you are looking for!

HOW PERSONAL FINANCIAL PLANNING COULD HELP YOU

If you are struggling with your loan repayments, you may want to think about personal financial planning. Whilst many people associate financial planning as a method of preventing debt in the first place, it can also help you out of it too. So, if you haven’t yet thought about it now is the time!

Firstly look at everything that you have coming in. Then the more complicated task of working out what is going out of your bank each month. You will need to split it into sections such as loans, food, utility bills, entertainment, clothing and household costs. Once you have written everything down, study the list and see if there is anything you can change. For example, do you buy so many DVD’s a month when you could actually get away with cutting it down? Do you eat out on certain days when instead you could eat healthier and cheaper at home? Are your credit cards the cheapest available and offering the best rewards? Think about all of the unnecessary expenses and see exactly what you can change to give you a little extra money for your loan repayments.

Many people find that financial planning really does help them and it really will make you feel more empowered about your current financial situation.

Suburban House Hunters

When looking for real estate you have a lot of options in who you work with. Working as a team real estate agents have been able to provide better service and more specialized knowledge. This is exactly the reason why The Suburban House Hunters Team was formed.



With agents that specialize in working with buyers and others that deal with only listings it allows each customer to know that they are receiving the best service possible. Suburban House Hunters has agents that cover all of Chicago and the suburbs. Whether you are looking for a home in Algonquin or a condo in Chicago the Suburban House Hunters Team can handle your real estate needs.