This is where your finance takes place

Hum… getting a pay day advance right now based on the hope that I keep my job until the next pay… This is definitely not a concept that it my mind ever. In fact, I am not even sure that we have this kind of service in Canada. Since I saw a lot of advertising on the subject on US and UK web site, I agreed to write a review on Payday Loan UK in order to go deeper in this topic.

What is E Payday Loan?

Payday Loan UK is mainly a transactional website where you can get small loan based on your next pay cheque. The design is pretty neat and it is easy to surf around. The site structure is classic; you find all the categories on the left and text on the right. This is definitely a good setup for someone who is looking for a quick and simple transaction.

What makes you want to visit this site?

When you need money right now! But wait… I’m thinking, if you can’t even live from pay check to pay check, how can you afford a computer with internet access? Am I missing something because this kind of business seems to be highly lucrative on the internet? I guess that’s because people’s priorities are sometimes upside down…And this is why some companies provide pay day advances services…

Are the resources really helpful?

The good part of this site is that you can easily find information on the process of getting a loan with the charges. The process is fairly simple; you basically send your request by email along with your pay stub by fax and you wait to get your money in your account.

You can tell it’s a risky business by looking at their interest charges. I’m glad they put them in so we don’t have to call in order to get more information. Everything is pretty much on the website and I guess that the transaction can be done within only a few minutes. This is a really good point when you are in the client’s pants and you desperately need money.

Can improvements be done?

The only thing I can think of would be in regards to fraud prevention. They clearly state that they don’t make a credit check when you apply for a loan. I guess, yet I’m not an expert, that someone could submit his file for a payday loan to many website such as this one at the same time with the same pay stub and he would get much more money at the end of the month. I wonder if there is any way to verify if the client is not doing some type of internet kitting with his pay stubs.

In the end, I am still convinced that payday loan should not become a possible financing option. However, for those who are at that point, you better off make some good research before dealing with a payday loan company. Rates and processes may vary.

Disclaimer: This was an honest but paid review. We did it because we think it is a great financial resource on the Web and our opinion has not been biased. We are now offering to review your website for a highly competitive price. If you wish The Financial Blogger to review your website, please feel free to contact us at thefinancialblogger (at) gmail (dot) com or visit our advertise section.

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It is interesting to find many similarities between personal finance management and how people handle their day-to-day life. This post is more about attitude than anything else. However, your perception and your way of acting will make an enormous difference for your career and your personal finance in general.

Before going to bed

The 10-15 minutes before I go to sleep is often used to recap my day and prepare the next one. I think of what has been done so far and try to make a game plan for what is coming next. This is a great way to make sure I didn’t forget anything important and that I will everything I want to do before the end of the week. These days, I am thinking mostly about my MBA.

It is funny how everything becomes possible right before going to sleep. I have ideas, I find solutions to problems and I decide exactly what needs to be done further one. Unfortunately, I don’t write any of this on a piece of paper and I close my eyes to get a few hours of sleep.

The Next Morning

My brain doesn’t really start in the morning until I am in the shower. Then, I start thinking about all the great ideas I had (or I dreamt about). The hot water running down my neck makes me realize that most of it is unachievable on a short term period. My ideas would be good for another situation but are completely useless for now.

I call this period the “reality check”. While this moment is not the most constructive of my day, it prevents me for going on something that has absolutely no sense.

Challenge yourself

The brain is sometimes a very lazy dog. If I would listen to it, I would not be writing this post write now. In fact, I would not have continued my blog period.

I suspect my brain letting my creativity works its full potential at night as the rational part of me knows that nothing will be done overnight. No efforts besides thinking will be required in my bedroom.

However, in the morning, actions need to be taken. This is where we have a tendency of finding all the “right” reasons for not doing things. In fact, we are pretty good at conquering the world in our bedroom, but we are cheap on actions to be taken the next day.

This is exactly where you need to take a step back (and put back some cold water in your shower!) in order to determine if your ideas were good or not. This is especially good for your work and when you are trying to solve money problems.

When you find solutions, write them down along with a few more lines explaining the basic plan of action. It will become much harder for your brain to let it go if it makes sense

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#10: Global Housing Bust by Canadian Capitalist.

Most of us think that only Americans are stuck with a housing bust. In fact, Canadians seem to be the exception. CC gathered several articles about the housing market in other countries.

 

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Another story about a MLM company. Monavie might not be as strong as Primerica, but would certainly make some serious profit while selling drinks at $40 a bottle!

 

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I am planning on buying a rental property before my 30^th birthday (that gives me another 3 years and a half) and I am trying to gather as much info as possible about the topic.

 

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There are people who are never satisfied. I think those are the one who will accomplish a great deal of stuff. However, you have to determine a point where you will stop asking for more.

 

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Is your property a shelter or an investment? One thing is for sure is that the mortgage attached to it could help burry you alive into debts!

 

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Sometimes, you are willing to take a lot of risk but you just can’t afford to take them.

 

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I have to agree with that one, if not, I could lose my job

 

#1: Financial Infidelity: The Leading Cause of Divorce? By Million Dollar Journey.

I always saw my couple as a financial team. If one of us started to lie or hide stuff related to our finance, this would definitely cause serious damage to our relationship.

 

 

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