A few holiday Essentials

As we reach the end of February, our thoughts are finally turning to Summer days. Many of us have already booked our Summer holidays and are starting to list what we need. Holiday season is just around the corner, and with half term this week, people have already started jetting off to enjoy some much needed sunshine. But it is no secret that holidays, as well as being a time for fun, relaxation and excitement, are also a time that can prove to be very expensive. Travel money, holiday wardrobes, travel insurance, new luggage, all of these things can add up and make even the most budget of holidays rather more expensive than you may have budgeted for.

So this post is about planning ahead, not leaving all that shopping for holiday essentials until the last minute. A few bargain buys will update your holiday wardrobe without breaking the bank. Don’t forget to check out your local supermarket brands for bargains, Morrisons have an adult range as part of the Nutmeg range, whilst some branches of Poundland are stocking the budget brand Pep and Co in their stores. There are also a couple of ideas for must have items, investment pieces that you will be able to use year upon year.

Swimming Watches

If your holiday is one of water adventures, then it could be worth investing in a swimming watch. Swimming watches for women are stylish and durable, and are great if you want to indulge in scuba diving, swimming, water skiing, or any other kind of watery activity. These days a waterproof watch doesn’t have to be bulky or manly, it can actually have a sleek and stylish design.

A Maxi Dress

A maxi dress is perfect for evening drinks or daytime sightseeing. it can also double up as a pool coverup, or you could add a denim jacket and it will be great to travel home in. Choose a pretty pattern for extra style points.

Sandals

A cool pair of espadrilles will work for holidays and festivals alike. Add in a metallic touch, and you have a shoe that is stylish and versatile. Try to choose a pair that will work with most of your outfits so you can cut down on the packing.

Beach Cover Up

A beach cover up can look so much  chicer than a sarong, and this black dress has an interesting back detail. This means that it would also work for drinks after dark, just add a pair of statement earrings for an evening look.

A Hat

Protect your head with the coolest cover up around – it has to be a Fedora. You could travel in this to help it keep its shape, or pack your undies into it to avoid it being flattened in the suitcase.

 

A versatile Bag

Boho prints are another holiday fave. I love the pink accents in this tote bag, it looks like it has come straight from Talitha Getty’s 1960s Marrakesh wardrobe. This sort of bag would work for the beach, or for sightseeing.

3 Ways an installment loan can help you

Many people find it hard to make ends meet with the rising cost of healthcare and the cost of living without an increase in pay. Because of this, people are turning towards applying for loans or lines of credit to help them pay bills, buy groceries, and pay the rent. If you are in this situation, there are options for you to get help. This article will help you understand how an installment loan may be the answer to your money troubles.

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An installment loan is a loan that is paid off over a period of time. What makes this type of loan different than others is that you are given money on a periodic basis after you have already made some payments towards the balance. The terms of the loan can be made by you and the creditor and is as flexible as having 30 days or 30 years to pay off the debt. Here are some ways that this type of loan can help you get back on your feet.

 

  1. Set interest rates. Having a set interest rate for a period of time will give you peace of mind because you know what your payments will be for the duration of the loan. You will not have to worry about coming up with additional funds mid-loan term because of an increased interest rate. You will always know what your payment is and you can plan your budget accordingly. This is not always possible with other types of loans. One month your payment may be $200 and the next it could be $275 or more due to the varying APR rate. You will not have this headache with an installment loan.

 

  1. Lower monthly payments. Most installment loans have a longer term life than other loans. This means that you will likely have a lower monthly payment since you are paying the loan off over a longer period of time. While this is beneficial in the moment because you have a lower payment, you will likely pay a great deal more over the life of the loan because you are paying interest for the length of the loan term.

 

  1. Get your loan money fast. One of the greatest benefits to applying for an installment loan is that you can often count on getting the money fast. The reason for this is that documentation from lenders is not robust which takes less time to process the loan. The quickest turn around time after applying could be as little as 2 days but up to 2 weeks.

There are many great benefits to applying for an installment loan. Whether you are interested in paying off debt, consolidating credit cards, purchasing a car or a home, or need money for the cost of living, an installment loan is a great option to explore. To see if you qualify for an installment loan with a low interest rate and a generous term period, check out MTP Loans. You could be well on your way to financial freedom in a matter of a couple of days!

Guarantor Loans – How do they work?

If you are looking for a loan, there are many factors that come into play. You need a good credit rating, with no county court judgements or black listing against you. You also need to be able to show clearly that you can both afford the loan and be able to pay it back. For many people, fulfilling all these requirements are impossible, especially if you have a bad credit score. But there are other ways to get a much needed loan that don’t involve either a bank and a loan shark. A guarantor loan is one of these.

A guarantor loan is a loan where a person with bad credit may be able to borrow money due to a member of their family or a good friend guarantee that the loan will be repaid.  Guarantor expert company Glo (part of the Provident family) currently offer these sorts of loans, offering from £1,000 to £7,000. For Glo loans, the guarantor doesn’t have to be a homeowner – a tenant can also stand as a guarantor, but the person must have a very good credit rating as they are ultimately taking responsibility if you are unable to pay. The person cannot be your partner who shares any of your financial responsibilities.

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Glo has fixed interest rates, so you know from the beginning what your monthly repayments will be, which should help you to budget the payments into your monthly accounts. Payments can be made over a length of time that suits you, ranging from one to five years, again helping to make your repayments affordable as part of your monthly expenses.

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Ultimately, Guarantor loans require a huge level of trust, honesty and understanding between the borrower and their guarantor. But if you are someone still living at home with parents who can be guarantors, or someone who struggles for credit due to a past mistake, or due to working as a sub-contractor, or on a freelance or other self employed basis, this may be another option open to you.