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01Sep
Motorists using the M6 Toll may be spared the £5 charge with a new campaign to rid the West Midlands of the costly failure. If you need to use a toll road on your way to work and are struggling to find the extra cash to pay for it this month a small payday loan could cover the cost.
A report by the Campaign for Better Transport found the 27-mile toll motorway has failed to provide significant congestion relief and the price for use has been steeply increased year on year.
Midland Expressway Ltd, the operator of the Toll, was found to be losing tens of millions annually, while M6 congestion has become so bad that the Government is considering spending another £500m on it to deal with the problems the Toll has failed to resolve.
“The Government needs to spend scarce public funds on maintaining the roads we have and giving people good alternatives to car use,” said Richard George of Campaign for Better Transport’s Roads.
“With Government coffers running empty, it is no surprise that politicians are looking at toll roads as a way to deliver funds for new road building projects. But our research shows that private toll roads such as the M6 Toll don’t help motorists or the surrounding area, and don’t make money for investors either.”
Small Payday Loans
The steep increase of the M6 Toll charge may be too much for some motorists to fund on their daily commute but in the case of a heavy month at work, or a set of meetings you need to be certain you are not late for, so the Toll may be your only option. To pay for this added extra a small payday loan where you pay it back with your next pay check, could be a good option.
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31Aug
The average driver is estimated to pay around £50 on every policy to protect against claims for accidents with uninsured drivers, new research shows. If you have recently been in a collision with an uninsured driver an online payday loan could help cover the costs not covered by your insurance.
The research by The Co-operative Insurance found honest drivers pay out for the uninsured one day a week every year. Of these dishonest motorists young people are most likely to flout the law with a quarter admitting to either driving without insurance, MOT or a licence.
“Personal responsibility is at the heart of this issue,” said Tim Franklin, The Co-operative Financial Services chief operating officer.
“Millions of people are deliberately flouting the law by not insuring their cars at massive cost to honest road users and the wider insurance industry posing an unnecessary and unjustified risk.”
The £50 forked out to cover the damage caused by uninsured drivers is the equivalent to 52 days cover under an annual policy, or one day a week for every year.
British drivers face a huge risk when taking to the road not only due to the risk of colliding with uninsured drivers but also as 64% admit to having performed some form of potentially dangerous activity while driving according to Sainsbury’s research.
Eating and drinking was found to be the main offence with 38% of the motorists questioned admitting to the felony in July, followed by 28% who drove while feeling tired.
Driving wearing flip flips or no shoes increased by 4% from last year to 18%, and despite using a hand held mobile while in front of the wheel is illegal, one in nine have done so in the last month, with 6% admitting to sending a text message while driving.
An Online Payday Loan
To help pay for unexpected repairs or if you want to upgrade your current insurance cover an easy cash loan could help with the financial side. It is a short term loan which his usually paid back from the borrower’s next pay check, usually within 31 days.
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27Aug
Schools are being criticised by Citizens Advice Bureau today for ignoring the current economic climate and ignoring government guidance on keeping school uniform costs to a minimum.
If you are unable to provide the right uniform for your child with this month’s pay an instant approval payday loan could help pay for back to school items.
The national charity warned that too many schools are still insisting uniform be bought from an exclusive supplier instead of enabling cheaper options to be made available. Worst still, it was found that sometimes the school itself compel parents to buy the uniform from them often at twice the price.
“In the current economic climate, and at a time when academies – many with expensive new uniforms – are springing up to replace existing schools, it’s all the more important that schools do what they can to keep costs down for families who are under severe financial pressure,” said Gillian Guy, Citizens Advice Bureau chief executive.
“By following simple, cost-cutting steps schools really can help families at this time of greatest need. We want to see them making uniform available from a wide selection of suppliers or by offering iron-on and sew-on badges as options.”
Citizens Advice Bureau research also showed that Local Councils could do more to ease this burden with a massive 60% not offering any kind of uniform grant leaving parents to approach charities for support.
They also showed that little had changed since Department of Education research in 2007 showed 27% of families on an income less than £15,000 were spending more than 20% of this on school costs. This is despite the Government guidance to Governors given in 2004 that ‘off the peg’ options should be available.
An average of £122 is expected to be spent on children’s back to school essentials this September research by LV= also found. Nearly half of parents expect to spend more on these items than last year – a total of £709 million is predicted to be dished out on school basics including uniforms, stationery, sportswear and winter coats.
An Instant Approval Payday Loan: Eligibility is based simply on your ability to repay the loan by your next payday. Up to £750 can be borrowed at one time with a £20 charge per £80 borrowed.
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26Aug
An average of £122 is expected to be spent on children’s back to school essentials this September despite the nation still struggling in the recession. If you are unable to provide the funds for a new school uniform a payday loan advance could cover the cost until your next pay day.
Nearly half of parents expect to spend more on these items than last year, however 27% plan to cut back on the amount of extracurricular activities they currently pay for according to new research by LV=.
A total of £709 million is predicted to be dished out on school basics including uniforms, stationery, sportswear and winter coats. Parents living in London will be paying the most for the preparation with each family spending on average £158 per child, £30 more than the nation average.
“It is surprising that many parents are responding to increased money pressure this year by spending more on back to school basics; clearly kids come first despite the downturn,” said Mark Jones, LV= head of protection.
“It’s even more surprising that many parents are spending more despite looking at ways to be frugal and economise, by purchasing from cheaper suppliers such as their local supermarket or eBay.”
Payday Loan Advance
Cost cutting solutions however are predicted to increase with 18% of parents suggesting they may persuade their children to walk to school instead of travel by car, and 16% are considering school dinners if they work out cheaper than packed lunches.
The Cost of a Child study by LV= released earlier this year also showed a parent is likely to shell out more than £201, 000 on raising a child from birth to the age of 21, amounting to £9,610 annually, £800 a month or £26 a day.
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25Aug
Female shopaholics have an average annual debt of £3,353 from shopping sprees with 74% using a combination of credit cards, overdrafts and loans to fund the addiction. To prevent going into your overdraft and incurring hefty penalties a cheap payday loan could be a suitable alternative.
A massive four million women have unsecured debts of £13 billion in total and research carried out by uSwitch.com found 41% of them ignore their overdraft limit to purchase a ‘must have’ item.
Furthermore, it is not just women who are held in the grasps of overspending with what are termed ‘metrosexual’ men also embracing the new wave of internet shopping. Three million male shopaholics have been revealed to have racked up shopping debts of £3,425 each.
“Despite the financial constraints, women have carried on copying the lifestyles and shopping habits of their idols and ignoring the debt they are racking up in the process,” said uSwitch.com director of consumer policy Ann Robinson.
“This spend-emic has spread and it’s clear that men too have caught on to the joys and perils of shopping.”
While women spend more on high street clothes, the research revealed men have more expensive taste spending over £570 annually on designer clothing which is nearly double the £300 of female shoppers.
Men have also been increasingly found to spend more on personal grooming with the average male dishing out an average £338 a year on skincare and cosmetics which is more than the female average of £191.
A Cheap Payday Loan
Credit card bills and overdrafts can often come with hefty penalties and shopaholics could start to find it hard to get themselves out of debt. With a cheap payday loan you are required to pay back the loan with your next pay check which limits your shopping habits to items you only really need but cannot afford before your next pay day.
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24Aug
Half of Brits leave their properties empty while away in the summer a new survey has found, making it an easy target for burglars. If your house has been burgled or you are looking for funds to take out insurance, a loan until payday could cover costs not usually included in your monthly budget.
A huge 51% of Brits will leave their property empty in August and of these, almost a quarter admitted they would not ask a neighbour, friend or family member to keep an eye on their property while away M&S Money showed.
Worryingly, 17% of people admitted that they conceal keys outside their property at some point while away, and two thirds with neighbours, family, friends or someone such as a dog walker.
“With August being one of the most popular months for people to go away, we would urge homeowners to take appropriate steps to ensure their home is secure while they enjoy their holidays,” said Andrew Ferguson, M&S general insurance head.
“It is important that security measures you take are in line with the terms and conditions of your policy to ensure you have adequate cover should the worst happen.”
London was also recently found to have the highest reported burglaries in 2008/9 causing the 1 in 4 who have no home contents insurance to consider a loan until payday to fund the recovery.
This research by Yorkshire Bank Home Insurance of 375 Local Authorities found London had a total of 92,759 reported burglaries last year closely followed by 82,706 in the North West.
A Loan until Payday: short term cash loans – you can apply online and borrow up to £750, with no faxing or paperwork required.
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23Aug
Grandparents are tagging along on many British summer holidays this year as new research shows their childcare services are invaluable. A small payday loan could help cover extra costs a trip abroad could incur or extra childcare expenses.
A third of grandparent across the UK said they regularly holiday with their children and grandchildren for the sole purpose to provide childcare the RIAS ‘Summer Holiday Helpers’ study revealed.
When they are not abroad, 51% of grannies provide childcare in their own house – meaning for many children this is becoming a holiday home. This is due to many parents having to return to work because of the economic climate, 26% of grandparents agreeing.
“The extended family holiday is enjoying a comeback and that grandparents really are at the heart of many families,” said RIAS managing director Janet Conner.
“As working hours get longer and the impact of previous years’ economic turmoil hangs over us, it looks as though parents are relying on grandparents more than ever before, especially over the long summer holiday break.”
Over half of over 50s grandparents, equivalent to 7.5 million, regularly provide childcare, and 50% of these claim their duties increase during school holidays. Additionally, nearly all of these grandparents, 98%, provide the service for free the RIAS ‘Summer Holiday Helpers’ study found earlier this summer.
The time grandparents spend providing childcare over the summer holidays amounts to £558 if parents had to pay for it, saving the UK parents a total of £806 million a year.
Small Payday Loans
If you are unable to rely on grandparents and need extra help to pay for childcare over the summer period a small payday loan could help. Up to £750 can be borrowed with the funds deposited into your bank account that or the following day.
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20Aug
With a massive 35% of parents’ valuables broken or stolen due to unsuspecting house parties for A Level celebrations a cheap payday loan could help pay for the damage.
A worrying one in ten under 18s who have hosted a party in their family home have done so without their parents’ permission, however the results from the Post Office Home Insurance survey shows this does not necessarily reduce the risks.
Of these, 27% had valuables broken and 8% stolen, and one of the extra problems these young hosts deal with is the amount of gatecrashers. A huge one in twenty hosts suspects their unwelcomed guests to have learnt of the party online.
“Any would-be student hosts out there should always remember to seek their parent’s permission first,” said Post Office Home Insurance head Gerry Barrett.
“A level and GCSE students will understandably want to celebrate to mark their exam results this summer, so the best way for parents to relax is to make sure they are prepared.”
The summer holiday period is traditionally seen as a time to relax and unwind, but new research shows that the average family will need to find more than £2,000 in extra money to live this summer.
Research from leading payday loans broker Payday Bank has found that on average UK families will need to find an additional £2,273 to cover the day-to-day costs of the summer months.
Cheap Payday Loan
To cover damages from unknown parties a cheap payday loan could cover the cost. At a charge of only £20 for every £80 borrowed, this is an affordable and easily accessible form of short term lending.
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19Aug
An incredible 25% of us would lick the pavement for £400 new research reveals, highlighting the extreme lengths people would go to for extra dosh. A more hygienic option however is a quick cash payday loan which enables people to borrow money to cover them until their next payday.
Men were found to be more daring when it comes to completing crazy tasks for cash as 61% would wait in a queue for four hours compared to 53% of women according to moneysupermarket.com.
A further 27% of men would be willing to undergo medical experiments for cash while only 20% of women would, however women outdid men when it came to filling out a form for a competition with 78% willing, compared to 73% of men.
“We all like the idea of getting something for nothing and it’s clear from our research that a large proportion of the UK public are prepared to go to some quite extreme lengths for some free dosh,” said moneysupermarket site editor Clare Francis.
“There are so many ways consumers can earn free cash without having to lift a finger and we’d encourage them to spend five minutes online to get their money working harder for them – surely that’s better than licking the pavement?”
Writing a 1000 word question essay is also a popular money making scheme with 54% of men prepared to undergo the task and 53% of women.
Quick Cash Payday Loans
If money is tight and you would seriously consider one of the above tasks a quick cash payday loan could be a suitable alternative. It only takes a few minutes to apply for and eligibility is based purely on your ability to pay the loan back by your next pay day. This form of lending is a means to aid cash flow in the short term to help fund something not usually included in your monthly budget.
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18Aug
Bargain hunters searching the web for special offers are likely to spend as much as 50% more online than the value of the discount, new research reveals. If you are on the look out to bag a deal consider an express payday loan to cover an expensive month.
New research from PayPal found 43million of us constantly look for promotions – an increase of 1.5million from 2009 and an indication of how people are coping in the current economic climate.
A further three in five shoppers have used discount vouchers or codes in the last six months and over half of online browsers look for slashed prices on even the small purchases.
“Online bargain hunters are often the biggest spenders,” commented Cameron McLean, PayPal UK Merchant Services general manager.
“That’s good news for retailers, as they recognise that lower prices can be good for business. But it’s also great for a new generation of shoppers who expect to get better value for money.”
Women unsurprisingly are the biggest culprits when it comes to bargain hunting with 93% always on the lookout compared to 84% of men.
A massive 18 million British adults were categorised as obsessively looking for bargains using every money-saving tool available, and the 25-44 age group were the most likely to act this way while one in 6 over 65s hardly every do.
“I think most people are looking to make their money go further rather than cutting back,” said Sue Hayward, author and personal finance journalist who contributed to the report.
Londoners and people in the West Midlands are the least thrifty with 13% of them rarely seeking out a deal as opposed to the South West and Wales where 41% of shoppers admit obsessive promotion shopping.
Express Payday Loans
For bagging that bargain or shopping when the prices are low an express payday loan is a suitable short term option to aid cash flow between paydays. Payday bank offers up to £750 for which there is a £20 charge per £80 borrowed.
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