10 Tips on Saving Money

Tip 1 – If you currently have any debt on your credit cards then it is important that you clear this as soon as possible. Although credit cards are a convenient way for you to purchase those items that you want if you can’t pay off the balance on your card each month the debt will soon mount up. If you do find yourself in such a situation consider taking out a small low cost loan to pay off the balance on your cards and doing this could save you £100s each year.

Tip 2 – When it comes to buying yourself something essential like a second car or some furniture for your home why not consider using the local classifieds in the newspapers where you live or if they have their online. Generally you may find yourself saving yourself a considerable sum on the same items if you were to visit your local car dealer or furniture store.

Tip3 – As we all know the cost of the utilities for our homes has increased substantially over the last year or so. However, if you spend a little time online you may be able to find yourself a new supplier who offers the same as your current one at a much more competitive rate. Often doing the research online you may find that you are able to change over to the new supplier quickly and easily as well and they will then take care of the rest of the formalities.

Tip 4 – When you go shopping for the weekly or monthly food don’t go when you are hungry and take a prepared list with you. This way you are actually going to prevent yourself from picking up those items which are not essential and which you like the look of. Certainly you will not only be looking after yourself but also your wallet as well.

Tip 5 – Although you may not realize it but there are plenty of things you have at home which you don’t need or don’t use and which could be making you money. So spend some time going through your cupboards at home and see what you have got and what you don’t need. Then either put them up for sale on an auction site like eBay or in your newspapers local classifieds.

Tip 6 – When you need to get new insurance for your home, car or travel then don’t go with your current insurer but shop around instead. The quickest and easiest way for comparing the prices quoted for different kinds of insurance including that of life insurance is by going online. You may well find that you are able to save yourself quite a tidy sum.

Tip 7 – When it comes to your holiday arrangements try and book yours as early as possible as this can save you quite a considerable sum each year. Also rather than booking through a travel agency instead try and make all the arrangements yourself. There are hundreds of websites that can help you to book all your travel arrangements at one time and still help you to make considerable savings on each part.

Tip 8 – If you can rather than arranging for a professional to come in and fix a minor problem in your home try and tackle the situation yourself first. There are plenty of colleges close to where you live who offer short courses in dealing with minor emergencies in the home so why not sign up for one of these.

Tip 9 – Although it may seem difficult try and put a little money aside each month to cover any emergencies that arise or to help pay off your mortgage a little more quickly. So rather than going out drinking every weekend with your mates spend it at home and use that money towards other essentials you need including paying off your credit card.

Tip 10 – It is important that you learn to say no once in a while. Although that new bag may look great or that weekend away looks tempting if you can’t afford to pay cash for it then don’t buy it.

Above we have offered 10 tips for saving your money, as long as you keep these in mind then you shouldn’t find yourself in a situation where debt has taken over your life.

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Benefits of Buying Home Furniture Online

You get a much wider choice when you buy home furniture online than from a physical mall store. This is particularly true when you visit the website of a distributor or dealership rather than a manufacturer. While the latter is restricted to its own range of products, a distributor can offer you the range offered by each of multiple manufacturers.

For example, the Stickley website will offer only Stickley furniture while a distributor can offer Stickley, Simply Amish, The Custom Shoppe, Southwood and Sherrill furniture, and also great mattresses from Jamison besides. That is surely better than having to choose from just one company’s range of products!

A Wider Choice of Home Furniture

This is one of the greatest benefits of buying home furniture online: you get a wider choice, and not just of the traditional type of furniture. You might want a beautifully upholstered sofa and armchair suite from Southwood Furniture, perhaps in a period Queen Anne style or in a delicately slender Thomas Sheraton design.

However, on browsing further through the distributor website you might come across some beautifully plain Simply Amish furniture that could get you thinking along a different line – rather than sumptuously upholstered period furniture for your living room you might like the idea of a style more fundamental to the original pioneers.

Perhaps a traditional hickory rocker, or an aspen sofa and chairs furnished with comfortable cushions rather than fully upholstered. Maybe even a comfortable four post glider for something different, and you could introduce a touch of modernity with an Amish entertainment center, accommodating a large LCD flat screen TV set and hi-fi unit.

Get New Ideas With Online Furniture Stores

When they set out to buy home furniture, most people will have something in mind, but they will also be unaware of all the options available to them. It’s only by browsing that you get exposed to fresh ideas and options that may never have entered your head. By visiting a mall furniture store you see only what that one store stocks, and you will even more restricted if that store is a single manufacturing outlet.

That’s like going to a sports shop that sells only Titleist golf balls or Slazenger tennis racquets! It is so restrictive! Few would visit a sports store like that, so why do so when you are looking for furniture? Furnishing your home is an expensive thing to do, so you would think that the greater choice you had the better!

Discounts Might be Available

Not only choice in design, style or manufacturer, but also choice in price! When you buy online you can often get discounts not available from offline stores, since the online facility is less expensive to maintain than a mall store. It’s a fact that many businesses that have both an offline and online sales outlet can reduce their prices because the online sales are able to finance part of the cost of maintaining a mall store: rental, rates, staff pay, power costs and so on.

You have none of that with an online store – or at least very little. You have staff to pay of course, but that’s about it. Then you get all the other benefits that an online operation can offer. The major of these is information: if the internet is good for one thing it is for the provision of information. Not only can an online furniture store offer you its entire range of products to look at on your screen, but it can also provide you with specifications of each piece.

Online Room Space Planning
The dimensions of every piece of furniture are at your fingertips, enabling you to easily plan how it fits into your room. You can use online room space planning software to fit each item into your room – and you have the firm’s entire stock to play with, not just the pieces they are able to display in their showroom.

Add to these benefits the fact that you are under no pressure to buy. They might mean well, but how often have you been annoyed by pushy sales staff trying to ‘help’ you come to a decision? You would feel self-conscious if you wandered around a mall home furniture store for 3-4 hours without making a purchase!

By purchasing home furniture online you do not need to travel and can make your decisions while you sip a cocktail on your sofa. Then order, pay, check the insurance or warranty and arrange delivery without even standing up, let alone leave the house!

Summary of Benefits

Here is a summary of the benefits of buying home furniture online that we have just discussed:

• A wider choice of furniture manufacturers
• View 100% of firm’s stock – not just a selection
• Come across new ideas for furnishing your home
• Discount prices
• All specifications and dimensions immediately available
• Online room space planning facilities
• No sales staff to bother you
• Take as long as you like to choose
• No traveling: choose from the comfort of your sofa (or buy one if not!)

You can no doubt think of more. The point being made is that you have total control over your shopping: when you do it, where you shop and how long you take when buying home furniture online.

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Furniture Financing and Furniture Credit Options

There are many reasons for seeking furniture financing, and there are just as many furniture credit options available to you. In some cases it makes financial sense to pay for furniture over a period of time, particularly if you can get interest-free credit. Rather than furnish your home by paying cash, you can keep the cash in a savings account earning interest while you repay the furniture interest-free over 6 months or even a year.

This could amount to a significant sum for a young couple purchasing their first home and having to furnish it starting only with any furniture given as wedding presents. Others might have to purchase furniture at a difficult time, such as when moving house: you will have plenty other expenses to face other than furnishing your new home, so furniture financing will come in very handy.

There are also furniture credit options available for those who have previously fallen on hard times and perhaps have a bad credit record. You may be repaying bad debts, but cannot get unsecure credit such as a credit card or store card because credit score has not improved sufficiently for you to pass the check. You could take a secured loan if you own your home, but what if you rent? In any case, secure loans are to be avoided because you could lose your home if you default on the repayments.

Irrespective of the reason for you seeking furniture financing, there are furniture credit options available to meet any of the scenarios described above. Here are just a few of the types of finance available.

1. Store Credit Card

Your preferred furniture store might offer you a store credit card issued by a firm such as Wells Fargo. The card enables you to purchase any item from the store concerned up to a set credit limit. This is a very convenient method of furniture financing, and many card issuers will offer an interest-free agreement for a set period or if individual purchases reach a certain minimum amount.

For example, one store credit card arranged through Wells Fargo offers 6 months interest free on their card, or a whole year free of interest if a minimum $500 purchase is made. This would generally be a single receipt rather than if the total sum owed reached $500. However, considering the average consumer credit card rate is currently 16.9% in the USA, a $1,000 spend on furniture would save you $169 during that year! That’s a significant saving.

Not only that, but some furniture stores offer exclusive benefits to customers using their card. Some of these operate on a rewards system while others offer reduced prices on certain goods only for those customers using the card to make payment. Such credit cards are fine if you repay the furniture within the interest-free period. If you go over that period, then it could get expensive.

2. Unsecured Loan

Failing that, you may be able to get furniture credit in the form of an unsecured loan. This is a form of furniture financing where you offer no security for the sum required, and the lender relies on a good record of repaying past credit. A credit report will usually be obtained and if your credit is good then you get the loan.

You can often apply for the loan online, and will have to provide all your financial details, such as your total income, mortgage or rent payment and details of any existing credit and loans. Once you have been approved, you receive the cash or are enabled to purchase furniture up to the sum approved, and you can then buy your furniture. This is obviously a more expensive furniture financing option than the free-interest card. However, the sooner you repay the sum borrowed the less expensive it will be. Some firms apply a 90 day limit, while others allow much longer.

3. Bad Credit Furniture Financing

If your credit is shot, then your furniture credit options are very limited. However, it will still be possible to borrow money for your purchases at a higher interest rate. You would normally use this option only when it was imperative that you purchase the furniture you need. Many are locally based, and you must live in-state.

With some, you must also be in current employment earning at least $1,000 monthly, and must also possess an active checking bank account. The monthly payments are deducted from your bank account, making this a fairly simple way of financing the furnishing of your home.

These are just three of the furniture financing and furniture credit options available to you today. There are more, but these methods are popular depending on your current financial situation. You will find one of more of these available on the websites of many furniture stores.

Woodstock Furniture Outlet offers all of the above furniture credit options. Woodstock offers a fabulous range of beautiful Furniture in Atlanta Ga, all of which can be purchased using one of the various methods of furniture financing offered in the store or online.

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ATV Financing 4 Popular Options

With the purchase price of an ATV being much less than the average street motorcycle there are more options for financing your ATV than when purchasing a motorcycle.

The goal of this article is to provide you a view of four popular types of ATV financing. Your success with each method will depend on if you have good or bad credit.

1. Manufacturer ATV Financing

It is likely that if you have spent any time looking at ATV magazines you have seen an advertisement or two highlighting atv financing from top brands like Honda, Kawasaki, Suzuki and Yamaha. Usually these advertisements have a very low minimum payment like $49. While the payment may look attractive you should consider if this is the best ATV loan for you.

In deciding if a manufacturer loan is best, you need to consider the terms. For instance, look at how long the promotional term lasts. If it is 24 months will you have enough to payoff your outstanding loan on the 25th month because making the $49 payment does not pay off the loan? If not your interest rate will increase to the standard rate of 17%-22% and your minimum payment will also increase.

If you have the cash to pay off your loan at the end of 24 months than the promotion may be a good thing for you, if not then you should probably opt for a fixed rate installment loan that is offered by most online lenders and has a fixed rate for a long term.

Manufacturer ATV financing is typically more suitable for those with good credit rather than bad credit applicants.

2. Online Atv Financing

With online ATV financing you will get fixed rate ATV financing for a specific term. These loans are normally called personal loans meaning that they can be used for a variety of personal reasons such as buying an ATV, furniture, home improvements and a variety of other things. Terms on ATV personal loans will normally be up to 60 months and for excellent credit rates can be as low as the 5% – 8% range. Bad credit applicants can also get approved for online personal ATV loans, but the interest rate may be a bit higher.

3. Credit Card ATV Financing

If you are looking for a short term loan for your ATV purchase, a credit card may be a good option if it has a good promotion. For instance some Visa, Mastercard and discover cards offer 12 months no interest for new accounts. If you can afford to pay off your ATV purchase at the end of 12 months this could be a great option for you to use.

4. Hybrid Atv Financing

The hybrid Atv financing method typically uses a combination of financing options. One popular method is to use a short term manufacturer financing promotion and then when the promotion period ends you transfer your loan to another promotion on a Visa, Mastercard or Discover card.

For instance, you could get Honda Financing for 24 months on a Honda promotion and then transfer that loan to a Discover card promotion and get 0% interest for 12 month.

Hybrid Atv Financing is a bit complicated and requires some planning. It is also a bit risky because you are betting that companies will be running the same promotion in 24 months that they are today.

This type of financing is typically not recommended for those with poor credit or that are not very financially savvy.

In the end, the fact that the average ATV is less costly than a motorcycle will allow you more options to finance your purchase. You just have to think creatively and look at all the offers in the market for financing everyday purchases.

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