• 03Sep

    A Fast Online Payday Loan for Wedding Expense

    Payday Loan Guides No Comments

    Families and friends will be dusting off their hats and flocking to weddings around the country as this weekend is set to be the most popular for couples to tie the knot.  If your finances are struggling to stretch to pay for the cost of attending a wedding a fast online payday loan could cover it until you are able to repay it from your next pay check.

    Specialist wedding insurer Ecclesiastical found that Friday 3rd – Sunday 5th September is the single most popular weekend for getting married in the UK, based on the number of wedding insurance policies they have sold this year.

    A massive 2.5 percent of this year’s entire weddings will take place this weekend, moving in line with the growing popularity of September weddings, a change from 2009 when July weekends were most fashionable.

    “It’s easy to understand why this weekend is so popular with brides and grooms,” said Dave Simms, Ecclesiastical’s personal lines insurance manager.

    “There is a clear shift to Friday weddings and Sundays are increasingly avoided for the big day.  This again is no surprise as having your wedding on a Friday will enable you to prolong the celebrations throughout the weekend.”

    The second most popular weekend to get married is the 10-11 September followed by 17-18 July, and 24-25 July after that.

    In 2008 the National Office for Statistics showed there were in total 270,403 weddings in the UK.

    A Fast Online Payday Loan

    Guests typically have to pay for travel, their own outfit, accommodation, drinks and of course a gift when going to a wedding, amounting to a pricey weekend.  If you are unable to finance all this in one go a fast online payday loan is a good way to cover the cost, where £750 can be borrowed at one time, paid back with the borrower’s next pay check.

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  • 27Aug

    An Instant Approval Payday Loan for Uniform Costs

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    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

    Payday Loan Advance for Back to School Spending

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    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

    A Cheap Payday Loan for Shopaholics

    Payday Loan Guides, cash loans, payday loans No Comments

    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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  • 23Aug

    A Small Payday Loan to Cover Family Holiday

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    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

    A Cheap Payday Loan for Aftermath of Students’ Celebrations

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    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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  • 09Aug

    Summer to Cost Families More than £2,000 in Extra Costs

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    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.

    Costs for items such as days out, childcare for working parents and a week’s family holiday, which the Joseph Rowntree Foundation recently included as part of one of life’s essentials, adds to the financial burdens parents have to carry over the summer months.

    The average cost to working parents who need to find childcare options is on average £558, while taking a family day trip is likely to cost £60 per trip, so while most families intend taking four day trips this summer, this adds up to a costly £420 per family on day trips alone.

    Summer holidays are likely to cost £1,295 on average, bringing the average total needed to £2,273 over the summer period.

    Families with school age children are increasingly penalised by spiralling costs over the summer months. Research by Santander Cards found that holiday prices increase by an average of 38 per cent from mid-July, when most schools haven’t yet broken up, to mid-August, when all schools are on holiday, for foreign holidays and up to 30 per cent for UK holidays.

    Commenting on the increased cost of summer holiday expenses, Ohad Hessel from Payday Bank Says;

    “The additional financial burden on modern families over the summer months can be crippling, especially given the current economic climate. But many parents will feel torn between wanting to spend quality family time with their children and ensuring they have a special summer and managing the family budget.

    “For short term cash-flow problems and one-off spending, for example on day’s out and family holidays, a payday loan can often be the best way to pay if you know you will be able to repay the money quickly.”

    32% of Brits plan on using a credit card, a travel agent payment plan or borrow cash from family or friends to fund a holiday.

    “If you use an unauthorised overdraft to help fund a holiday you’ll be hit with fees and your credit rating could be damaged, while if you use your credit card debt it is easy to pile up debt problems for the future. Payday loans are now mainstream financial products used by thousands of satisfied customers looking for a fast, hassle free form of affordable short term credit and they can help daily summer expenses for families.”

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  • 28Jul

    Overnight Payday Loan for Summer Childcare

    Payday Loan Guides 1 Comment

    Grandparents across the country will be saving parents £806 million in total childcare costs over the summer holidays.  If you cannot rely on grandparents to watch the little ones during your working week, an overnight payday loan could help.

    Summer holidays are a struggle for many working parents who have to find cheap alternatives to childcare which over the break could cost each individual family up to £558, the RIAS ‘Summer Holiday Helpers’ study has found.

    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.

    “Our ‘Summer Holiday Helpers’ study shows just how much grandparents contribute to family life, not just by giving wisdom, experience and love but also their time,” said RIAS Managing Director Janet Connor.

    “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.”

    South East grandparents are the most generous saving the family just under £98 million in total regional childcare costs this summer, although Scottish grandparents’ duties increase the most during this time.

    Overnight Payday Loans

    Although parents are looking forward to enjoying family time over school holidays, 27% are worried about how to fund it, a recent Nectar Credit Card by American Express survey found.

    An overnight payday loan could help cover summer holiday childcare costs as up to £750 can be borrowed at any one time.  Whether this is used to give grandparents the odd break, or simply to help fund summer activities, this money is loaned on a short term basis with no costly penalties.

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  • 23Jul

    Immediate Payday Loans for Next Generation Entrepreneurs

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    A third of graduates plan to start their own businesses as the recession hit job market continues to look bleak, however starting up a new business is risky and immediate payday loans could curb cash flow problems.

    Already nearly a quarter of students are running or about to launch their own enterprise with 60% opting for ‘bricks and mortar’ businesses over pure online enterprises, SME insurer Hiscox research found.

    The research of 2010 and 2011 graduates also revealed nearly one in five started their courses intending to be self-employed, and over a quarter plan to be running their own business by 25 years of age.

    “It’s extremely encouraging that despite the knock on effects of the recession on the job market, the best of British entrepreneurial spirit is alive and kicking,” said Hiscox SME expert John Heaney.

    “However, there are both risks and rewards in the business world, and aspiring entrepreneurs may find that gaining some life and employment experience of gaining professional qualifications before taking the plunge, would give them the best base for future success.”

    Additionally, 82% believe some of the best businesses have been set up by young entrepreneurs and say British business people are the most inspiring.

    Starting up with an Immediate Payday Loan

    The average 2011 graduate is estimated to leave with £21,198 worth of debt, the Association of Investment Companies revealed, with 32% of them admitting they will look for a higher paid job over their dream job.

    If you are a graduate starting up your own business and cash flow is a problem, an immediate payday loan could tie you over in the short term.

    Immediate Payday Loans can provide you with up to £750 with no faxing or paperwork required, and are easy to apply for online.  They are designed to be paid back quickly, but unlike credit cards or long term loans mean that for one-off special purchases or emergencies – you do not need to take on board a long term debt.

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  • 21Jul

    A Short term Payday Loan for Cash-Strapped Singletons

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    A single person spends 67% more of their salary on essentials compared to couples, explaining why 43% rarely go on holiday.  With significantly less disposable income a short term payday loan could help boost the lifestyle needs of Britain’s singletons.

    Research from uSwitch.com found single people also go out less and spend less on their appearance than their coupled up counterparts due the stretch of their single income.

    Mortgage or rent costs a single person almost double that compared to someone living with a partner or spouse contributing to the fact that single life is £250,000 more expensive over a lifetime.

    “Increasingly we are seeing evidence that to enjoy a good quality of life in Britain, a household needs two incomes,” said Ann Robinson, uSwitch.com Director of Consumer Policy.

    “The huge increase in the number of single person households is not just a worry in terms of housing stock, it will also have a serious impact on lifestyle and spending in this country.”

    Short term Payday Loan – Advantages

    Research from a survey by Bright Grey, life insurance specialists, found a worrying 32% of Brits intend to use a credit card as a means to fund a summer holiday.  A suitable alternative, especially if you are single and have little disposable income to pay for a lump sum such as a holiday is a short term payday loan.

    A payday loan has only a charge of £20 for every £100 that you borrow and is a sensible alternative to credit cards or costly bank overdrafts.  A person is classed as eligible if they are able to repay the money from their next pay packet, aiding cash flow.

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