happydiwali2015.org http://www.happydiwali2015.org My WordPress Blog Tue, 25 Jun 2019 15:30:51 +0000 en-US hourly 1 https://wordpress.org/?v=5.2.2 How to recover from bankruptcy? http://www.happydiwali2015.org/how-to-recover-from-bankruptcy/ http://www.happydiwali2015.org/how-to-recover-from-bankruptcy/#respond Tue, 25 Jun 2019 15:30:51 +0000 http://www.happydiwali2015.org/how-to-recover-from-bankruptcy/ Continue reading "How to recover from bankruptcy?"

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If you are in debt, then bankruptcy is probably the only way to recover financially.

Yes, the bankruptcy declaration will hurt your credit in the short term. You will not be able to get a loan or a credit card as before. However, you will still be able to borrow money if you know what kind of loan you can ask for.

Bankruptcy will give you the opportunity to change your money management and planning your budget. These changes once accomplished, you will enjoy personal finances in better health. Here are some steps that will help you get your finances back up faster.

 

Immediately plan a “budget for the essentials”.

Now you have the opportunity to organize your budget to fit your needs and lifestyle. To do this, you must first make sure that you cover all your basic needs such as food, shelter, clothing, transportation and utilities. Once you have paid them all with your income, you should have a small surplus at the end of the month. Successful changes are likely to require some modifications. For example, you may need to sell your car to buy a cheaper one or use public transportation. You may need to adopt a different way of shopping for food, clothes, etc.

 

Create a “cushion” for bills

Create a "cushion" for bills

Ideally, you will plan your budget a month in advance. This means that your April income will cover all the bills and necessities of May. In this way, if a situation arises and causes a decrease in income or even unforeseen events during the month, this safety margin will save you financial stress. This strategy will require you to save for the first few months after the bankruptcy to create a necessary reserve.

 

Anticipate unexpected expenses

Anticipate unexpected expenses

After a bankruptcy, you will find it difficult to obtain a loan or a credit card, unless it is guaranteed. You can however apply for a personal loan online. It only requires a bank statement and a check stub, but it does not require a full credit check. Your recent credit history will not prevent you from getting an approved loan. If you have planned a month in advance of your budget, you will repay the loan easily and quickly return to your post-bankruptcy budget.

 

Restore your credit

Restore your credit

Restoring credit after a bankruptcy takes time, but you can start immediately by asking for a secured credit card. It requires a deposit which, once made, allows you to use the card. Buy in small quantities and pay immediately. This will improve your credit score.

 

Plan a budget for your hobbies

Plan a budget for your hobbies

You have planned your budget to pay for all the essentials and you have even managed to keep a cushion enough for you to avoid financial stress. Now you must also provide an amount for your entertainment. The best way to do this is to integrate them into your budget. Do not spend a crazy amount of money on entertainment. Be sure to save a little money so you can have fun while improving your finances.

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Why should I take a mini loan | Borrow money without BKR review http://www.happydiwali2015.org/why-should-i-take-a-mini-loan-borrow-money-without-bkr-review/ http://www.happydiwali2015.org/why-should-i-take-a-mini-loan-borrow-money-without-bkr-review/#respond Thu, 13 Jun 2019 13:47:12 +0000 http://www.happydiwali2015.org/why-should-i-take-a-mini-loan-borrow-money-without-bkr-review/ Continue reading "Why should I take a mini loan | Borrow money without BKR review"

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Why should I take a mini loan? Well it is a question that is often asked and that is why I will try to explain that. The mini-loan has taken off in recent years, in the beginning there were providers who did not fully adhere to the rules, but nowadays this is quite in order. A flash credit is especially popular because you can borrow a relatively small amount quickly. You have to give it back quickly, so you are indeed quickly done with it again.

Why should I take a mini loan?

Why should I take a mini loan?

You should see this form of borrowing more as an advance on your salary when you have to pay something quickly and whatever cannot wait. Think of your subscription for your phone that you have been running behind for 2 months, or a bill for your gas and electricity that has suddenly become urgent. In such cases you are talking about relatively small amounts, but you need it quickly. In such situations you can then choose to apply for a mini loan. 

Balance dip

Balance dip

It sometimes happens that suddenly your debit card no longer works because you no longer have a balance. Since you are standing at the ATM with an empty cut, what do you do? It is of course better to be more careful with your money so that you can read out the month until your salary is deposited again. But yes, not everyone can do that and it can sometimes unexpectedly disappoint you, so you are dealing with a balance dip and you have to look for some extra money to help you through the month.

What can I borrow with a mini loan

What can I borrow with a mini loan

Like I said before, you can borrow small amounts with a mini loan, then I am of course not talking about a tenner or so, because that will not do any good. You are talking about hundreds of euros. You can borrow a minimum of 100 euros and a maximum of 800 euros and of course everything in between, as long as the amounts are round. Popular amounts that are often requested are 300 euros and 400 euros.

Borrow money with bkr

Borrow money with bkr

Well, then it turns out that you also have a BKR listing and you can hardly find a loan or credit card anywhere else. You do not have to worry about that when applying for an advance because no information is collected from the bkr register. It must, however, appear that you have sufficient income for borrowing money with bkr to be able to repay the loan amount. But you should actually check with yourself whether or not this is possible.

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Mini credit without credit and the procedures applied – Mini credit applications http://www.happydiwali2015.org/mini-credit-without-credit-and-the-procedures-applied-mini-credit-applications/ http://www.happydiwali2015.org/mini-credit-without-credit-and-the-procedures-applied-mini-credit-applications/#respond Thu, 13 Jun 2019 13:39:20 +0000 http://www.happydiwali2015.org/mini-credit-without-credit-and-the-procedures-applied-mini-credit-applications/ Continue reading "Mini credit without credit and the procedures applied – Mini credit applications"

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A mini credit without BKR is the quickest way to get cash within 24 hours in an emergency. And it’s easy to request. See here what you need to do to apply for a Mini Credit.

Obtaining permission to borrow is the first step in applying for a loan without BKR. Quick cash through a Mini Credit starts searching the Internet. Online Mini-credit providers can only be found online, this is best found via Google or another search engine. After you have found a Mini Credit Package, register with the following information before you apply for a Mini Credit. The Dutch or Belgian nationality is a condition, as well as a monthly income of at least € 1,000 per month, a job where you are working for more than three months from today, you are at least 18 years or older, a current bank account of at least three months old and preferably a good Bkr. All this information must be entered on the online application form prior to the Mini Credit application.

Small Loan Without BKR

Small Loan Without BKR

Once you have completed the registration, continue filling in the online Mini Credit Application Form. Most Mini Credits offer loans with a minimum of € 100 to a maximum of € 750. However, you must convince yourself of the repayment period stated on the online Mini Credit application form. Check the interest rate and make sure that it is within the acceptable cost of 20 to 25%. Indicate the amount you wish to borrow and enter other relevant details on the online Mini Credit Application form.

A bad Bkr is not a cause for concern. Most Mini Credits are provided regardless of a negative Bkr, although it can lead to a higher interest rate. Send the credit application form as soon as it is fully completed and wait for confirmation from the credit provider. The approval of a Mini Credit can take from a few seconds to a maximum of 30 minutes, but with a Small Loan Without BKR this can take a little longer. Often an e-mail is sent to confirm the approval. Then, approximately 10 minutes after approval of the Mini Credit application, the borrowed amount will be transferred to your bank account, ready for withdrawal or writing a check.

Borrow Money Without a BKR Check

Borrow Money Without a BKR Check

Repayment of a Small Loan Without BKR usually falls in the second week , or just before the next payment of your wage, as stated in the conditions on the online Mini Credit Application Form. The total amount must be fully repaid via your bank account on the closing date.

Applying for a Mini Credit without BKR is easy, no documentation problems like with traditional loans, you don’t have to fax or wait in line at your own bank. If you want to apply for a Mini Credit, it is approved within 10 minutes and the money is sent directly to your bank account within 24 hours or less.

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Payday Loan Consolidation http://www.happydiwali2015.org/payday-loan-consolidation/ http://www.happydiwali2015.org/payday-loan-consolidation/#respond Mon, 20 May 2019 01:17:51 +0000 http://www.happydiwali2015.org/payday-loan-consolidation/ Continue reading "Payday Loan Consolidation"

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Payday Loan Consolidation, what does it involve and where does it begin? 

Experts such as a financial advisor can look into the options at your fingertips.

The benefits of hiring a licensed insolvency trustee

loan,salary,money

Your debts may seem like a tireless burden, but know that people have the expertise to guide you through this long and painful journey. These professionals specialize in the study of your financial situation and act in order to propose solutions that should put an end to your debt.

A trustee in bankruptcy as it was called not so long ago, can advise you on the path to take, whether it involves mortgage refinancing, bankruptcy, a proposal to the consumer or a Payday Loan Consolidation.

The assistance of an SAI can be contemplated as much by an individual as a company when the debts seem to accumulate more and more without you noticing the end of the tunnel.

Here are some things to think about if you want to do business with such an expert:

IAS activities are the responsibility of the federal government

The work of SAI is constantly supervised by the BSF. Thus, this specialist must honor specific and demanding standards of practice set by the federal government in addition to a rigorous code of ethics. If the services of an SAI disappoint you (gap of confidence or a lack of solutions to give), the BSF can be alerted so that you file a complaint.

SAI provides you with all possible solutions

The SAI is the only expert who has the authority to proceed with bankruptcy or proposal solutions to the consumer on your behalf before the government so that your debts are released. He will give you his opinion according to your particular situation and the knowledge, skills and experience he has acquired. He also has his license from the Bankruptcy Office to prove his expertise and expertise in the field.

The authorized insolvency trustee is everywhere

The IBS position exists across Canada so it’s easy to find these professionals near you. You only have to consult the internet to actively search for them. In addition, the contact information for the major licensed insolvency offices is readily available in Canada through the Register of Licensed Insolvency Trustees.

The federal government regulates its fees

Do not worry, an SAI does not decide on its fees. It can not fool you with huge rates. Fees are determined by the federal government for an SAI to manage the records of its insolvent clients.

The has a mandate to dialogue on your behalf with creditors

creditor,money

When your bankruptcy or proposal is filed, the creditors will deal directly with him on your behalf. Another plus, no more lawsuits or recovery from unsecured creditors will affect you.

In short, it’s all up to you if you want to deal with music and your debts by hiring a specialist in the field.

Know that financial advisors and trustees in bankruptcy can help you out a lot.

Bye, Bye Debts knows that debt problems are the reality of many thousands. Our team helps you get advice from a trusted professional in your area.

Our partner financial advisors in Gatineau are duly elected and we put you in touch with the professional who will really accompany you in your specific situation. Did you know that Payday Loan Consolidation in Gatineau is much more common than one can imagine?

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How to protect your savings? http://www.happydiwali2015.org/how-to-protect-your-savings/ http://www.happydiwali2015.org/how-to-protect-your-savings/#respond Sun, 12 May 2019 16:14:59 +0000 http://www.happydiwali2015.org/how-to-protect-your-savings/ Continue reading "How to protect your savings?"

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When you save, you may find it difficult to keep your motivation because, even if you plan your budget well, you feel frustrated by how little you save. This is especially true if you earn a limited income.

To stay motivated, you need to focus on the small amount you can save each day. If, most of the time, you reach this daily goal, you will eventually realize significant savings.

 

How much should you save?

It depends on your income. What do you think of a dollar a day? If it turns out too little, is $ 2 or $ 5 better? Remember that to achieve your project, you probably should not go beyond $ 5, even if your income level allows for more savings.

 

Will it really enhance your standard of living?

You will get $ 365 if you save $ 1 a day for a year. This amount will allow you to buy a plane ticket to go to the South, a bike or a pair of skis. You may be able to pay two months of payments on a new car, or you will buy new living room furniture.

Now imagine that you are saving $ 5 a day. At the end of the year, you will have $ 1,825. You can then pay for a week’s vacation on a tropical island, deposit a large amount into your savings account or give a down payment for a new car. You could even pay two months of rent or mortgage payments.

 

You do not have to wait so long to enjoy your savings.

You do not have to wait so long to enjoy your savings.

You may find it too long to plan your savings for the entire year. So, save $ 1 a day for a month and you’ll get $ 30 – $ 31 at the end of it. This will be enough to pay you a meal in a decent restaurant, a movie night with a friend, or a bottle of high quality wine.

You will get $ 150 – $ 155 a month if you save $ 5 a day. This will be enough to pay for a car payment, a shopping day, a spa outing or a weekend in a hotel.

 

Keep your flexibility.

Keep your flexibility.

If you want to keep your motivation, you will have to set a new monthly goal. For example, try to save $ 5 a day in November, so you can buy holiday gifts. Another month, you’ll save $ 1 a day, so you can go to a restaurant or even see a movie you want to see the next month. The amount and reason for the savings do not have to be similar each month. As long as this money will allow you to do the things you want, you’ll keep the motivation to save.

 

How to protect your savings?

protect your saving

The unexpected will test your efforts to save. You will be tempted to use your savings to pay for repairs, emergencies or extra bills. Another option is available to you, however. You can get a personal loan online. Their application and quick acceptance process will allow you to have the money in your account in one day or less. Rather than touching the money you have already saved, you will use future savings to pay the loan. When you are done, you will resume your usual savings plan.

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We are happy to help you with a sustainable loan http://www.happydiwali2015.org/we-are-happy-to-help-you-with-a-sustainable-loan/ http://www.happydiwali2015.org/we-are-happy-to-help-you-with-a-sustainable-loan/#respond Sat, 11 May 2019 13:46:53 +0000 http://www.happydiwali2015.org/we-are-happy-to-help-you-with-a-sustainable-loan/ Continue reading "We are happy to help you with a sustainable loan"

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Planning for a sustainable renovation? With energy-saving measures you immediately reduce your energy bill. Thanks to the short payback period, this is also a smart investment. Finance the sustainable renovation with a cheap green loan. Postal credit mediates at the lowest interest rate, without additional costs.

This is a green loan

This is a green loan

This loan is also known as a sustainable loan. This is intended for homeowners who focus on reduced energy consumption in combination with socially responsible lending. With this loan you receive an amount of money from € 5000 to € 50,000. With this you finance the purchase of solar panels, a heat pump, high-efficiency boiler or insulation measures. Thanks to the sharp interest rate of 4.9%, the green loan is very attractive.

Advantages of a sustainable renovation

Advantages of a sustainable renovation

Ever thought about reducing electricity and gas consumption? This can be achieved by economical and conscious use of showering, the use of lighting or the thermostat. Energy-saving measures ensure the largest reduction in energy bills. You save € 500 per year thanks to a new high-efficiency boiler. Double or triple glass saves you up to € 550 per year (compared to single glass). Solar panels make the property self-sufficient. After 6.5 years (with VAT refund) up to 8 years you will still benefit from free electricity for at least 15 to 20 years. Tip: check whether you are eligible for the VAT refund scheme or a subsidy. You apply for the latter from the municipality.

Characteristics of the green loan

Characteristics of the green loan

The minimum amount that you can borrow is € 5,000. This is a nice amount for making sustainable improvements. If you want to borrow more, this is of course possible. With Postkrediet you go for a sustainable loan up to a maximum of € 50,000. Whatever you choose, you always benefit from a competitive interest rate of 4.9%. The duration varies from 5 years to a maximum of 15 years. The more you borrow, the longer the duration. This keeps the monthly charges well-organized.

Are you saving extra money thanks to energy-saving measures? Use this for the interim repayment of the loan. This is completely free of penalties and has a major advantage: it lowers your monthly costs.

Apply for a cheap sustainable loan

Apply for a cheap sustainable loan

Postal credit mediates in advantageous loans (loans). We work together with a selection of reliable banks. You choose the green loan yourself, where you do not receive advice. This makes a huge difference in closing or advisory costs, which Postkrediet does not charge. You can read more about our method here.

You can apply for the sustainable loan entirely online. Enter your personal details and indicate the amount you want to borrow. You will receive one or more quotes from us by e-mail. Feel free to check this and indicate whether you agree with one of the quotes. From then on we will take care of the rest: from assessment to acceptance and payment of the loan amount. You will automatically receive the desired amount in your bank account. Because you receive this amount in one go, you can start immediately with energy-saving measures. Postal credit is completely independent. This allows us to offer you the best green loan

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Credit Renegotiation and Loan Repurchase: Know How to Make a Difference http://www.happydiwali2015.org/credit-renegotiation-and-loan-repurchase-know-how-to-make-a-difference/ http://www.happydiwali2015.org/credit-renegotiation-and-loan-repurchase-know-how-to-make-a-difference/#respond Fri, 10 May 2019 12:04:21 +0000 http://www.happydiwali2015.org/credit-renegotiation-and-loan-repurchase-know-how-to-make-a-difference/ Continue reading "Credit Renegotiation and Loan Repurchase: Know How to Make a Difference"

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Many confuse renegotiation and repurchase of credit. However, these two transactions are very different. It is necessary to be able to distinguish in order to benefit from their respective advantages, especially in this period of falling rates. Details and explanations!

 

Loan purchase: definition and benefits

Loan purchase: definition and benefits

A repurchase of credit consists in establishing a brand new contract, even if it is a question of grouping in one single loan many loans. This approach must be motivated by the search for a lower rate and lower monthly payments. The common thread between credit restructuring and renegotiation is that they all allow for a clear improvement in repayment terms.

What types of credit can be consolidated? Your credit redemption can include several types of loans: leasing or leasing, home loans, consumer loans, bank overdrafts. Only gaming debts are to be excluded.

 

Different types of credit redemption

Different types of credit redemption

Credit redemption offers differ depending on the consumer’s profile:

  • Repurchase of tenant credit: for tenants experiencing difficulties in repaying their debts. Individuals, persons exercising a liberal profession, employees can subscribe to it;
  • Purchase of homeowner credit: is intended for private owners and tenants with real estate made available to their parents;
  • Real estate loan buyback: allows to gather several real estate loans such as home savings loan, 0% loan, housing allowance, etc. ;
  • Mortgage loan purchase: involves mortgaging real estate with a bank. To offer a guarantee in case of non-solvency;
  • Purchase of consumer credit: only for consumer loans. Can go up to 100,000 euros.

 

Update on credit renegotiation

Update on credit renegotiation

As the name suggests, it is renegotiating with his banker. The objective is to obtain better conditions taking into account the main characteristics of the first loan. This request must be accompanied by the drafting of an amendment.

The advantage of the renegotiation with regard to the repurchase of credit is that it is not subject to a lot of paperwork. Financial institutions asked for a consolidation of loans may require a change of bank domiciliation. Especially when it comes to grouping consumer credit. What solution if your bank refuses your renegotiation request? Just play the competition!

 

Steps to follow for renegotiation

Steps to follow for renegotiation

Above all, it is important to evaluate the remaining cost of your loan and then determine the amount to be renegotiated. In simpler terms, you will have to add up the interest that remains to be paid. For the estimate of the capital remaining due, nothing easier. Simply refer to the amortization table and the date of the last monthly payment.

In a second time, consult your banker. In order not to misunderstand you, do a simulation. Try to see if for a loan similar to yours, the conditions are more interesting. If so, renegotiate your loan to enjoy the same conditions.

It is important to emphasize that renegotiation is a privilege and not a right. Last step then, flesh out your file with strong arguments. In principle, you must guarantee your solvency by alerting your banker to the regularity of your income. Also mention your insurance contracts will allow you to earn points. And, icing on the cake, do not hesitate to arm yourself with several competing offers!

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Where can you take out a mini loan http://www.happydiwali2015.org/where-can-you-take-out-a-mini-loan/ http://www.happydiwali2015.org/where-can-you-take-out-a-mini-loan/#respond Mon, 15 Apr 2019 13:15:50 +0000 http://www.happydiwali2015.org/where-can-you-take-out-a-mini-loan/ Continue reading "Where can you take out a mini loan"

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It is arranged in the Netherlands that every provider of any kind of loan, including receiving a mini loan, must have a license. That is also the reason why the range changes frequently. Unlicensed companies are fined by the government and must cease their activities. But fortunately there are still mini-loan providers that do have their affairs in good order. In the remainder of this article you can read where you can take out a mini loan with providers that have a permit.

Small amounts

Small amounts

Do not think that with a mini loan you can borrow huge amounts as is usual with a revolving credit or a personal loan. In any case, the design of a small loan is very different from regular loans. To start with, you can only borrow small amounts of up to around 1000 euros. Furthermore, no repayment is possible, you must return the entire amount, including any costs, in one go. 

Mini loan without payslip and bkr

Mini loan without payslip and bkr

A mini loan is also for people who have a bkr registration and cannot go anywhere else for a money loan. When applying for a flash credit you do not have to think about whether this is a problem, it is not considered so a mini loan without BKR is no problem. Also, having a payslip does not have to be an insurmountable problem, as long as you have a recent bank statement showing that your income is paid. Please note, the provider can still demand a payslip at any time, it is a bit up to the provider in question.

Which amounts are available

Which amounts are available

The following round amounts are available for applications with the comment that you cannot choose the maximum for a first application. € 100.00 – € 200.00 – € 300.00 – € 400.00 – € 500.00 – € 600.00 – € 700.00 and finally the maximum amount of € 800.00. As you can see, these are very low amounts, but on the other hand you can manage quite well with the highest amount.

When to pay back

When to pay back

As I have already explained above, unlike a regular loan, it is not intended that you pay in installments. The full amount must be transferred to the provider in one go. This is also quite simple with iDeal, where the money is credited to the recipient. Once you’ve done this, you’re done with it and you’re done with it. By the way, you can still choose which term you want when applying. These are the following periods: 15 days, slightly longer is 30 days and the longest is 45 days, there are no more tastes.

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