How to Budget Like a Pro
How to budget like a pro and stop wasting valuable time tracking each and every expense you make.
How to budget like a pro and stop wasting valuable time tracking each and every expense you make.
Saving for retirement seems easy when your employer offers access to at least one retirement plan. But when two 401(k)s come into play, which do…
Life in debt is something most families experience, but there’s a way to finally get out of debt and enjoy financial independence. Even if you…
Living paycheck to paycheck? Can’t save money? In big debt? You can stop being broke, but it takes few drastic measures to get better financially.…
Debt! The number one struggle for many families. Whether it’s student loans, personal loans or mortgages, most adults have faced a form of debt at…
Find out what you can do, if you have an underwater mortgage.
Five simple steps to start a business after graduating college.
Credit ratings are a decisive factor for any financial emergency, so to repair bad credit is essential. Repairing bad credit is something you should definitely…
Is renting a home such a good idea? Find out the main advantages and disadvantages of renting a house or an apartment.
Do you need quick cash in your bank account? We all have moments in our lives where we need money in a hurry. Whether it’s to settle an urgent medical expense, furnish your lounge, buy a new car, or go on holiday, a loan can help you find the funds you need. So, what are the credit facilities on offer in Finland? How can you source a loan at the best rate possible? Unsecured Loans An unsecured loan describes a loan that does not require any collateral from your lender. These loans are typically for amounts of €2500 or less. Be careful when you select your choice of financial provider for these loans. Only work with reputable lenders that are licensed by the local monetary authorities. There are various financial vehicles available to consumers that offer unsecured credit facilities. Credit Cards Dig through your spam folder, and you’ll probably find credit card companies and banks offering you a credit card. This type of credit facility provides you instant access to cash, based on your current credit profile and income. It’s possible to receive an interest moratorium on any credit you spend with the card. However, this moratorium will end around 55 to 60-days after purchase and interest added to any payments after that. Cash Loans Are you in need of cash in a hurry? Instant cash loans are available for a multitude of credit providers. The most common type of unsecured cash loan is a payday loan, where credit providers loan you money against your next paycheck. Hire Purchase Facilities These credit facilities are available for people that want to purchase a new car or another consumer product such as a lounge suite. These credit agreements are typically structured over anywhere between a 6-month to 5-year period. Interest can be […]