5 Simple Steps to improve your Credit Score

Achieving a good credit score is a very beneficial goal to have and is quite doable. Read these 5 simple steps and you can start on your goal today!

1. Get on the Electoral Roll
The electoral roll is a listing of all those who have registered to vote in a particular area. The information details the voter’s name, address, date of birth, requested postal vote and voter number. If you have not registered on the Electoral Roll, you probably will not get any credit, so you should register soon. …
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If you need money in a short amount of time, then choosing a payday loan may be the right option for you. Here are the top 5: reasons to choose a payday loan.

1. Good rates compared to other alternative

Applying for a payday loan is usually a better option than paying late fees on bills, bounced checks, and having to deal with your bank’s overdraft protection service. As an example, each time you bounce a check, typically your bank and the merchant will charge a fee. With a payday loan, there are no hidden fees or set up administrative fees. The charge for taking out a payday loan is in the representative APR of 1734% but this is an annual percentage rate. Usually the duration of a payday loan is short term - payday to payday - not annual. Read More »

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1. Create a budget (and stick to it).
The first step is to figure out how much money you have to spend each month, between your family contribution, savings, earnings from a part-time job, and loans or grants. Then figure out how much you’ll need for staples like food, rent, accommodation, books, etc. Then add in a line for spending money and another for emergencies (like when your coffee budget runs out right before exams). Keep track of your expenses and the frequency of your visits to the CASH MACHINE so you don’t overspend.
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