A car is an indispensable part of our daily lives that we rely on for transport. While owning a car makes our lives much easier, vehicles come with a heavy price factor in terms of repairs and maintenance costs. Sometimes, a minor fender-bender is all it takes to throw your finances into utter chaos. As you may have noticed, a car accident usually occurs at a time when you just don’t have the funds to deal with it. Not only do these minor mishaps cause a great deal of emotional distress, they also make you worry about finding the money to get your car repaired immediately because you just can’t do without it. For a vast majority of working people, a car isn’t a luxury, but a necessity, since it gets them to work and back.
Statistics show that around 95% of vehicles in the US have a valid insurance. While this is great, studies also indicate that the average excess or deductible on your vehicle insurance is anywhere between $100 and $300. This means that you will first have to pay this amount out of your pocket even before your insurance coverage kicks in. The excess amounts are even higher for younger and less experienced drivers, as insurance companies believe they are more prone to accidents. If you are faced with a car repair midway through the month, and you don’t have the cash to cover your insurance excess, then getting a payday loan is a good idea. A payday loan not only ensures that you get the funds you need within a matter of hours but also enables you to get a loan from the comfort of your own home!
Your insurance premium – the amount charged by the insurance company for covering your vehicle – is a substantial amount. One way to reduce your premium is by increasing the excess that you pay in case of a vehicle repair. By increasing your excess amount to around $400, you can significantly reduce your monthly premium and save a whole lot of money. In the event of an accident, you can get a payday loan to cover your excess, and repay it on your next payday. This way you needn’t strain your finances, and the amount of time and money you spend on your vehicle repairs is reduced.… read more
A nation with a serious unemployment problem is a nation in peril. As more and more of us struggle to survive in this difficult British economy, it is apparent that one real lifeline to the disaffected masses is a job. Official numbers from the Office for National Statistics (ONS) point to an alarming trend: the number of unemployed USA citizens had soared to 2.68 million at the end of 2019. And worse, the figure continues to increase by 1,300 a day. The USA Trades Union Congress (TUC) went on record recently, noting that the figures are “even worse than the bleak economic forecasts predicted, with new records achieved for youth and female unemployment.” The TUC is calling for the government to come up with “bold solutions” for the country’s unemployment crisis. One possible solution advanced by the TUC was a “job guarantee for any young person out of work for six months.”
Money shouldn’t be the first thing you think about when you wake up or the last thing before you go to bed at night. If you’re thinking about it then you’re stressed about it which isn’t good. You don’t need the added stress in your already hectic lifestyle. A lot of the time, people are so worried about small expenses to tide them over from month to month that they cannot think of anything else. Maybe you budget your money to the dime every other month because you’re a freelancer and some weeks are better than others. There are patterns to your paychecks and the way that you manage your money.