First up, let us begin by sharing our deepest, heartfelt sympathies if you’re currently experiencing stress and financial disruption due to the Coronavirus (COVID-19) outbreak. No-one could have foreseen this coming… a pandemic that’s affecting the entire world. It’s a *touch wood* once-in-a-lifetime experience and I know that, at least in the time that I have been here - its a first!
As a small business, we have been affected by lenders pulled back on guidelines, pulling out of lending to certain employment industries, and restricting low doc facilities to our business clients. We are taking our own precautions as a family to stay afloat. We both wish we could give each of you a big hug right now.
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Are you striving to stay on top of your bills with the least possible debt? These are factors that enable you to live a comfortable life. Though sometimes this is easier said than done. There are a range of factors that become major considerations when it comes to borrowing money wheather it be for your dream car or dream home. Chances are you’re aware of some of these. But did you know there are other smaller factors that can impact your credit score and your ability to secure a home loan?
Read MoreThe golden rules of borrowing!
Using credit can help you do many things: buy your dream house, get a new car or pay for essential household items. But fees, charges and interest rates can make borrowing money very expensive, especially if you borrow more than you can afford.
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How payday loans ACTUALLY affect your credit score and capacity to borrow funds. Ok so let me get this straight…. I get SO MANY of my clients who have been affected more with a payday loan than what its worth.
And I get it - Payday loans can be helpful for those who are struggling in the short term or need some quick cash to repair your vehicle, have some extra spending money for that holiday to Bali - However, it's important to understand how a short term loan can affect your credit score and ability to borrow funds for a Car, a camper trailer or your dream wedding!
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