Perfect Payday Blog
Five Ways to Save Money When Grocery Shopping
We all love shopping online as it comes with many advantages. Buying stuff online is handy because it can be done time from any location and have goods delivered without having to go anywhere. At the same time, it is simpler to get discounts online because cashback and coupons are more comfortable to use, and …
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How Not to Make Mistakes When Saving Money
They say for you to spend to learn how to earn. Well, that’s a pretty good reminder when it comes to saving money but ends up not saving at all. There are a lot of mistakes most people make, and that’s what we are trying to avoid. This article will teach you the best yet …
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Effective Tips on How to Manage Christmas Expenses
Christmas is just around the corner and if you are like most people, you probably haven’t begun thinking about Christmas gifts yet – or saving funds to buy them. As Christmas trees are raised, lights illuminate, and carols fill your ears, there’s no denying that you have Christmas expenses to manage. During this festive season, …
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Smart Money-Saving Ways to Cut Down Cost on School Expenses
When it comes to your kids, you want nothing but the best for them. You send them to top-rated schools and keep them cozy and entertained during the holiday break. It’s common knowledge that when you have children, it’s expensive to take care of them – especially if they are in school. But despite this, …
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An Introduction to Collateral Loans
When you talk about collateral, it’s something that you use against a loan. For example, you borrow a certain amount and agree on the contract that your loan provider can take your property and sell it, to cover for the amount that you borrowed in case you are unable to pay back the loan. At …
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How to Read a Credit Report
The credit score is a vital requirement when applying for a loan, finance, or credit. However, most people don’t actually know how to interpret their credit score. The only thing they know is it helps them obtain loans, as well as the idea that the greater the credit score, the better. In this article, everything …
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Cost of Private Health Insurance
Gone are the days when your only responsibility is completing a single house chore to get $5 of extra money from your parents. Now, you are a full-grown adult with lots of expenses and financial responsibilities to think about, including private health insurance. Basically, private health insurance is something that you shouldn’t overlook. The same …
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Saving Money in Winter
Winter often means layers of clothing, hot water bottles, and taking advantage of the sun as a natural source of heat. Here are a few money-saving tips on how you can stay warm in winter without damaging your budget. 1. Invite Mr. Sun into your house This first tip is pretty much a basic concept …
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How to Approach Personal Finance
Take Baby Steps Not all people are blessed with good money habits – or great sources of income. For most, the money that they earned always ends up being spent without them knowing how leaving them with zero finance to keep for future emergency expenses. This usually happens to people who live paycheck after paycheck. …
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Six Financial Goals for 2020
The key to establishing goals is to create a habit out of them. Every year, spend some time to figure out the goals that you want to achieve for the next year. Here are some realistic and attainable financial goals for 2019: 1. Create a budget – and stick to it Everyone loves budget but …
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Go Green and Save Money
Climate change has been the usual topic in the news recently – but don’t worry it’s for a good reason. According to the UN, there are only 12 years left before the effects of climate change is still irreversible. So, what can you do to help make the planet greener? Here are five unique ways …
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Fixed Rate Vs Variable Rate Loans
Financial emergencies cannot be predicted and certainly cannot be controlled, but what you can keep under control is the approach you can adopt on how you can repay your loan obligations. This is the reason why lending institutions offer numerous ways of repayments based on the interest rate that you can afford. Two of the …
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How to Handle Credit Card Debt
Do you want to start a clean slate with your credit card debt? Now is a perfect time! Having a massive credit card debt can be burdensome and stressful. The new year is the best time to get your credit card debt under control for keeps. For some, this can be a real problem, but …
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Understanding Your Credit Report
At some point in your life, you might’ve wondered how your credit report impacts all your loan applications. When you are applying for a loan, it is essential to fully understand how your credit report works. And what can you do to use it to your advantage when anticipating for loan approval. Generally, lenders look …
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Why Improve Your Credit Score?
A credit score is one aspect of your financial history that often gets the least amount of attention. However, no matter how boring it may seem to you, it greatly affects your financial freedom, thus you should begin taking your credit score seriously starting today. You can start by determining the present standing of your …
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Pawning Vehicles To Get a Loan
Pawn is the amount of money given to you that corresponds to the value of your property. In the case that your default on your loan, the item will not be returned to you. Once you agree to pawn a particular item, this means that you are also transferring the asset to the pawnbroker once …
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Guide To Choosing The Right Lender
Searching for a lender? There are several things that you might want to consider first before you begin your ultimate search. Getting to Know Money Lenders A money lender is someone who offers loans with an associated interest rate. The interest rate is fixed and they can also charge additional fees such as service fees, …
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What is a Balance Transfer?
At some point in your life, you might have encountered the term balance transfer. But what does it really mean? And what can it do for you? A balance transfer works in a very simple way, it is when you transfer money from one account to another. It is sometimes called a credit card balance …
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How Credit Scores Impact Your Ability To Get a Loan
When you have bad credit, you’ll find it difficult to get your personal loan applications approved. It can also affect your capacity to pay for car insurance, rent an apartment space, and secure a great service plan for your phone. If luckily you can take out auto loans, student loans, or mortgages, you’ll be given …
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Are You Dealing With an Honest Lender?
If you’re thinking about taking out a quick personal loan but hesitating for fear that you may encounter shady lending entities, you should definitely decide against it. The last thing anyone with a financial problem wants is to be taken advantage of by loan sharks. It is unfortunate that this is the reality that most …
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Getting a Personal Loan for an Upcoming Move
Whether you are planning to downsize or upsize, moving comes with expenses that you can’t avoid. Good thing there’s an incredible alternative that you can turn to personal loans. These are short-term loans that will allow you to borrow at least $300 to $10,000. In addition to this, here’s how you can spend the money …
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Helpful Tips To Increase Your Budgeting Power
In an ideal world, you could be living the high life where money is no object. You could be spending on branded clothing, enjoying the company of your friends in some Michelin-starred restaurant, or taking a tour around the world with your family. You are, however, living in the real world, where your current version …
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Instant Banking, Is It For You?
At some point in your life, you might have heard of internet banking. It is an essential factor that binds cardless cash and mobile banking apps altogether. However, are you familiar with instant banking? Though it may sound like the same from the aforementioned, it offers a new approach. Instant banking is a latest payment …
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How Positive Credit Reporting Impacts Your Life
Assessing customers for their eligibility for a loan or credit card involves taking a look at their credit report to gauge their qualification. These days, lenders are required to check for the overall creditworthiness of a customer that doesn’t focus solely on their past incapacities. This has become possible today, thanks to the existence of …
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House Buying Guide for Millennials
Purchasing a house is a huge decision and as much as possible, you wanted to be prepared until the very last step. This article offers a quick guide for millennials on what factors they should consider when buying a house: Set Your Budget: By mapping out your present income and expenditures, you’ll be able to …
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5 Steps To Survive Bankruptcy
The worst event that could happen to anyone is filing for bankruptcy. Whether you’ve gone through this or are still reeling from its effects, it does feel like the end of world when you have to declare that you’ve lost everything and could no longer sustain the life you used to have. On top of …
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How Do I Know If I Have Bad Credit
How To Determine If You Have Bad Credit History? Many people are still unaware of how credit report works or what it really is. Basically, a credit report is collected information on all your credit history. It is a record of all the credit you’ve secured for the past years. It also contains any severe …
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Steps To Improve Your Credit Score
Financial struggles are a part of life. You may have dealt or are still dealing with money issues that prevent you from fulfilling your financial obligations, such as regularly paying your dues on loans and credit cards. Whilst financial challenges are beyond your control, you know you have to be on top of these concerns …
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Achieving Financial Freedom
At some point in your life, you may have encountered the classic phrase, “money can’t buy happiness.” Whoever said this probably had tons of money. Though they are not completely wrong, the topic of financial freedom is very crucial. The best way to interpret the phrase is that having money is not all there is. …
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Saving Money On Vacation
Traveling for family vacations is fun and exciting until you realize how expensive it is. To help you achieve a great vacation without hurting your wallet, here are effective travel tips on how you can save money while having the best time with your family. Planning Cheap Family Vacation Research As mentioned before, don’t settle …
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Why Personal Finance Should Be Taught In Schools
If there’s one thing that most people learn right away, it’s the fact that money affects everything. The famous line, “money makes the world go round,” makes a lot of sense. However, there are still a lot of pf people who lack the knowledge of the workings of personal finance, even until they already had …
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Payday Cash Advance Vs Short Term Loan
Living from paycheck to paycheck can inevitably cause financial stress, yet this is a reality of life that most people face. In times like this, you can’t help but think of short-term solutions that will allow you to make ends meet whilst you wait for your next salary. Good thing there are sources available these …
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Work On Your Creditworthiness
cred·it·wor·thi·ness the extent to which a person or company is considered suitable to receive financial credit, often based on their reliability in paying money back in the past. When thinking of availing yourself of a loan, a number of factors come into play that affects your eligibility to be approved or not. One of these …
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Negotiating for a Pay Raise
Asking for a much higher salary is never a comfortable scenario both for you and your boss. Yet you have to be the one to break the ice, especially if you feel you’re now worth more than what you currently earn. Learn more today from Perfect Payday, where you can apply for payday loans. No …
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Keep Track Of Your Credit Score
A good credit score is crucial to helping you gain financial freedom. Unfortunately, not everyone understands how this financial concept works and the role it plays in ultimately achieving a financially stable life. It is important that you arm yourself with handy information about credit scores and keep in mind why you should improve yours. …
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How To Repair Your Credit
Whether it’s to pay off bills or simply to make ends meet, securing a loan has been the go-to fix for most people to meet their emergency cash needs. Sometimes though, paying off a high acceptance rate loan may need be as easy as getting one. There are reasons beyond your control that may affect …
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Money Goals Achievable By Age 30
This article will tackle 8 distinct financial goals that one must consider achieving before reaching the age of 30. But, if you are already at this age and you are still reading this, that’s completely ok. If you want to get a stronghold of your financial future, try ticking these off your list as soon …
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5 Reasons for Getting a Personal Loan
Personal loans aren’t just for financial emergencies. You will be surprised to know that there are a number of ways you can actually benefit from getting a short-term loan, which can help you manage your finances better. In fact, when used responsibly, you can even use your payday loan to improve your financial wellbeing. Intrigued …
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Three Tips for Saving Money
Saving money regularly is no doubt a goal for most people, but more often than not, it is easier said than done. There are bills and emergency expenses to face that eat up most of your monthly income. Add loans to payday to the equation and getting on that road towards financial freedom seems to …
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How to Make Money on Instagram, Even If You Aren’t Famous
At PerfectPayday, we help you get a loan when you are low on cash and need emergency finances. This, of course, isn’t the perfect situation for you to be in. Instead of getting a cash loan, it is better to earn and save money so that you can have more stable finances. To that end, …
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Why Australia Need to Have Stricter Borrowing Rules
When a borrower takes a $400 payday loan, he still has to pay the huge interest rate that comes with it. This is despite the crackdown on rules that are prevailing in the payday loan industry in Australia. These rules are set to create some protection to borrowers who are in need of a payday …
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The Better option: Cash Loans Online
One of the things that is happening today is that the internet is now a washed by online payday loan lenders. It is their way of attracting clients to avail of this short term loan to answer all of their financial concerns in the present time. Aside from this, it could also provide a better …
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Australians See Payday loans as the Answer to their Financial Problems
$1 Billion AUS is the amount of new loans that Australians are expected to acquire year after year. This number could still rise in the years to come. This is just one proof that a lot of Australian households are falling under the distressed household category and these households that fallen vulnerable into the trap …
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Don’t Ever Take Up Payday Loans Without Reading This Article
If you are cash strapped or face with an urgent financial emergency, it seems that borrowing a small sum of money as a cash loan for a short span of time seems like a very good solution. But, before you take the bait and take on that payday loan, make sure you read this article. …
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About the Author
Lucy Adams
Lucy has over a decade of experience in finance. She is currently the content curator here at Perfect Payday.
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