Personal Loan Blog

Great Tips and Advice for Managing Your Money

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Self-care is an important part of refocusing our priorities and recharging, but it can be a challenge to practice it on a budget. For many people, being able to get away from their daily routines is essential, yet it’s difficult to take a break when you’re unsure of where to start. First, think about your budget; does it allow for a brief road adventure? If not, how can you integrate self-care practices into your everyday routine without spending money? You might consider looking for ways to free up some cash, such as consolidating a few bills or taking out a small personal loan. Head to America’s Loan Company to get a quote from a qualified lender. You can also think of some ways to take a much-needed break to focus on your physical and mental health without breaking the bank.

Go camping

If you love the outdoors, camping is a wonderful way to take a mini-vacation and get away from the stresses of daily life, especially if you take the trip with a friend or significant other. Not only does it typically not require much funding, it allows you to spend some quiet time surrounded by nature. Taking an outdoor sojourn gives you the opportunity to set aside technology and unplug for a bit, which is beneficial for your mental wellness. Do some research on the area you’re interested in visiting, taking note of the weather forecast and wildlife sightings in order to make safety a priority. You don’t need a ton of fancy gear for a short weekend trip, but do invest in a quality sleeping bag. You can get a double sleeper that will keep you and your loved one snug and warm; many of these convert into two singles for your convenience.

Create a haven at home

While the outdoors can be rejuvenating, sometimes just staying home sounds too good to pass up. When exhaustion sets in and you’re tired of battling work-related stress or social anxiety, create a staycation for yourself by making your home into a haven. Start by cleaning, decluttering, and making each room smell amazing. Stock up on your favorite foods and drinks, and plan out a weekend (or week, if you’re taking time off work) that involves nothing but things that bring you joy. Whether that’s binge-watching Netflix in your sweats or practicing a hobby you love, you’ll definitely see the benefits by the end, and the only money you’ll spend will be at the grocery store.

Prep for rest

Another easy way to practice self-care is to overhaul your sleep routine, and it costs nothing at all. For some, preparing for sleep starts with good intentions but devolves into lying in bed scrolling through social media for an hour. Not only is this bad for your sleep quality, it can become a bad habit that leaves you feeling exhausted the next day. Put down the phone and meditate instead, or read a book. Take a hot shower to relax, get into some comfy pajamas, and write down a few goals or proud moments from the day in a journal. This is a great way to boost your self-confidence and prepare your body and mind for rest.

Stop negative self-talk

Making affirmations and setting goals is a wonderful way to work on your self-esteem, but it’s also important to consider the way you manage those goals. If you’re hard on yourself when you have a setback, it will be much harder to find success. While it’s perfectly okay to practice critical thinking when it comes to your own actions and the outcomes, excessive negativity can take a toll on your wellbeing and can even have an effect on your relationships and career. Think about how you can be more positive and become your own cheerleader.

Self-care comes in many forms, and not all of them require an expensive spa day. There are several ways you can focus on your physical and mental health without spending a lot of money; it just takes a little time to figure out the ones that work best for you.

Article writen by Emma Grace Brown

Health Insurance

Health is wealth. That's one thing that we learned from the COVID-19 pandemic. It has forced us to change our lifestyles and rethink our priorities. We've all been told that for years, but it's never been more true than now. 

Staying healthy is more important than ever, and we need to do everything we can to protect ourselves from the virus and other diseases. That includes getting vaccinated and taking other precautions, of course, but it also means having health insurance.

Many people think they don't need health insurance because they're young and healthy. They figure that they'll never get sick, and they don't need to spend the money on premiums. But what happens if something does happen? What if you get in a car accident or develop a serious health condition?

Access Quality Healthcare When You Need It

One of the main benefits of having health insurance is having access to quality healthcare when you need it. It means that if you get sick or injured, you can go to the doctor or hospital and get the treatment you need without worrying about the cost.

While health insurance plans differ from one person to the next, most health insurance plans offer some level of coverage for doctor visits, hospital stays, and prescription drugs. Also, many health insurance plans will cover preventive care, such as vaccines and screenings, to help you stay healthy and avoid costly medical bills down the road.

These things are essential to having quality healthcare, and they would be challenging to afford without health insurance. So if you don't have health insurance, we urge you to consider getting it. It could end up saving you a lot of money in the long run.

Don't have a health insurance plan yet? Shop online and look for credible insurance providers. For instance, Assurance health insurance rates and their plans offer a wide range of coverage options to choose from. Plus, they have the medicare advantage leads in the industry. 

If you have one, make sure you're getting the most out of it. Make sure you're familiar with your plan's coverage. Know what services are covered and what you'll have to pay for out of pocket. And check if your doctor is in your plan's network. 

Save Money On Your Healthcare Costs

If you are looking for ways to save money on your health care costs, health insurance can be a great way to do that. You can typically receive discounted rates on services and procedures by having health insurance. 

For example, if you need surgery, your health insurance company may be able to negotiate a lower rate for the surgery than if you were to pay out of pocket. Or, if you need to see a doctor regularly, your health insurance company may have a network of doctors that offer discounted rates. 

Also, you can typically receive discounts on prescription drugs by having health insurance. It's because the health insurance company has a contract with the pharmacy to offer discounted rates.

Without a doubt, health insurance can help you save a significant amount of money on your overall healthcare costs.

Give You Peace Of Mind Knowing That You're Covered

Having health insurance can give you peace of mind knowing that you're covered if something happens. That peace of mind is crucial, especially when you have a family to take care of.

If there's an emergency, instead of worrying about how you're going to pay for the hospital bill, you can focus on getting your loved ones the care they need. And that's why it's so important to have health insurance, even if you think you don't need it. Because something could happen at any time, and you don't want to be caught off guard.

Health Insurance

The last thing you want is to be in a situation where you can't get the care you need because you don't have the money. Don't make the mistake of thinking that you're invincible and that nothing will ever happen to you. Because sooner or later, something will.

Make sure you have health insurance to know your family is taken care of if something happens to you. It's not fun to think about, but it's better to be safe than sorry.

Final Thoughts

Even if you don't need healthcare services right now, you may need them in the future. Health insurance can help protect you and your family from unexpected medical bills. And, if you have a pre-existing condition, health insurance can help you get the care you need.

Don't know where to start? Well, you can ask a friend or family member who has health insurance for advice. They may be able to help you find a plan that fits your needs and budget. Or you can use the internet to your advantage and shop around for health insurance.

Author Bio

Millie Edwards is a blogger and a mother of two. She covers many different topics, including Assurance.com life insurance plans, homeowner’s insurance, auto insurance, etc. Generally, all about the different insurance people can’t go without. In her free time, Millie loves to attend her improv class. 

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4 Personal Loan Alternatives You Should Know

Personal loans are convenient and easy to obtain, especially if you have a stellar credit score and a clean credit history. They are flexible, which means you can use them to finance almost anything, like car purchases, vacation expenses, emergency funds, and even another debt. 

Although personal loans can be used for almost anything, they aren’t the cheapest ones. If you have a less than stellar credit score, the interest rate for a personal loan for you can be pretty high. 

So, if you’re in such a place, these personal loan alternatives may help you. 

Line of Credit

A line of credit is a flexible loan that you can get from a traditional bank or an alternative lender. It works similar to a credit card, which offers you a limited amount of funds you can use the way you want. 

However, unlike a credit card, you will be charged interest when you borrow money from it. The interest rate for a line of credit varies from lender to lender, and it’s generally high, so taking one can be very costly. It's an excellent alternative to a personal loan because it's easy to produce funds whenever you need them. Instead of taking out a personal loan, repay it in a few months, then borrow again.

Peer-to-Peer Lending

Peer-to-peer lending enables people to directly borrow money from others without the help of a financing institution or a middleman. P2P, as most people call it, has only existed since 2005, but it's massively popular. P2P lending is primarily accessible online, and there are a lot of websites nowadays that offer this service.

How does it work? First, the investor opens an account on their chosen P2P lending website and deposits money to be dispersed as loan offers. The loan applicant will also have to create an account and will be assigned a risk category that will dictate how much interest they'll have to pay. The loan applicants can choose among the available offers and seek approval if they find one.

The investor will then review the application and decide if they want to fund their loan. Some platforms also allow discussion between an applicant and the investor to allow for some bargaining in repayment or funds offered, etc.

Some P2P lending sites have specializations for financing. For example, StreetShares allows for business financing, and Patient Solutions offer loan products for medical expenses.

Payday Loans

A payday loan works almost similar to a personal loan, except you have to pay it on your next payday. It can be obtained from websites or through a physical branch. The approval is easy as lenders only assess how much you earn and sometimes don’t even check your credit. 

Once you’re approved, you can get the money through a check or have it deposited directly into your bank account. Payday loans come with a finance charge, but some call it interest. It’s a flat amount, and it’s based on how much money you borrow. Since payday loans have a short repayment term, they tend to have high APRs. 

Despite the high costs and tendency to be predatory, payday loans are among the most popular types of financing in the US. It's because, as mentioned before, it mostly doesn’t have credit checks and is fast and easy to get.

Home Equity Loan

You can get a loan against your home equity. The amount you can borrow typically depends on how much the house costs against the remaining balance you have on your house. The amount will be given to you in one lump sum, and you'll have to repay monthly installments.

It’s a type of secured loan, and the collateral is the house. So, before you get one, you must think it through because if you fail to repay the loan, you may permanently lose equity, or worse, you may lose your house.

Final Thoughts

There are many personal loan alternatives that you can find on the internet. However, the ones listed above are some of the most popular and common ones. They have their pros and cons and are more suitable in specific circumstances. That said, picking the most optimal for your current financial situation is necessary.

Author Bio:

Hera Viera is a writer that specializes in several topics like fashion, entertainment, and financing. She mostly spends her time learning new and easy ways to finance purchases and looking for websites that finance borrowers like CreditNinja. Hera mostly reads books on politics or browses through her social media in her free time. She can also be seen playing video games or creating content for her blog whenever she can.

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The COVID-19 pandemic has changed our lives in ways few could have foreseen, and it’s posed new challenges but also introduced new opportunities. People have had to alter their work, family, and social lives radically. Some changes may be temporary, lasting only for the duration of the pandemic, but other adjustments may be permanent--especially those for whom the pandemic has brought significant loss.

While it is hard to imagine something as devastating as a global pandemic having any silver linings, the challenges of this time have served as a catalyst for many to make positive changes in their lives. Today, America’s Loan Company explains a few of these changes.

Career changes with positive outcomes took place.

The pandemic left many people temporarily laid off, or even with their jobs terminated. Anxiety and depression ramped up, due to financial worry, both for the unemployed and for those with job insecurity. Seeking new work, especially while trying to juggle the demands of family life and following public health restrictions, added to the burden.

But surprisingly, a majority of those who lost work have since made career changes, sometimes for the better. Workers who were unsatisfied with their previous jobs are training for new work, even starting their own businesses. By turning to a service that can walk you through the legal steps, you can rest assured that you’re set up to meet the requirements of your state (and avoid hefty attorney fees).

Working from home became the new normal.

Lockdowns and quarantine orders left many people working from home – which, as Limegreen Communications points out, comes with its own set of pluses and minuses. The benefits include greater flexibility, of course, and there are countless resources to make working from home a little easier – from video conferencing platforms and virtual timesheets to free tools that let you convert JPG to PDF online and make email marketing a little easier.

While many remote workers enjoyed the increased flexibility and opportunities for family time, a lack of division between work and home created additional stress. Trying to work while caring for family created additional difficulty for those responsible for children or dependents.

Workers who thrive in a team atmosphere miss the human contact, and even the office banter. Experts suggest that remote work, or at least a hybrid model, may become the norm even post-pandemic, notes the Society for Human Resource Management, so more workers may need to come up with ways to deal with the downside of working from home.

Major life changes were impacted.

The non-contact paradigm of social distancing that COVID-19 prompted will continue into the near future, especially as flu season kicks in. This has affected making major life transitions, such as moving into a new home. Not only are homebuyers impacted by fewer in-person open houses, but also moving day itself is chock full of new guidelines, such as limited contact with the movers. Find out what your moving company’s policies and procedures entail as soon as you start planning the move.

Homeschooling and hybrid schooling are a thing.

The coronavirus pandemic forced many parents into homeschooling with no warning. For some, this provoked increased stress, and they had to find creative ways to cope. Parents of special needs children especially felt the strain of trying to replicate what school programs, tutoring, and therapy are supposed to provide while also fulfilling work obligations.

Yet other families found that homeschooling worked better for them. The schedule flexibility allows for kids to get more sleep, which can support mental and physical health. And children who are more comfortable with self-directed learning tend to flourish in homeschooling situations. For students who were experiencing stress at school, especially due to bullying, learning at home can be desirable.

The idea of a vacation changed.

With the fluctuation in cases, and even prior to vaccine availability, many people looking for ways to escape their homes found new ways to make travel work for them. Road tripping eliminated the need to be around others in confined spaces like airplanes, and hotel rentals were eschewed for vacation rentals. With the ability to have full kitchens, proximities to lakes or beaches or socially distant activities, vacation rental bookings skyrocketed. More travelers are learning to think beyond the usual flight+hotel packages too, opting for secluded glamping adventures or even thru-hiking for sabbaticals.

We made changes to our health and fitness.

Individuals who were in lockdown for long periods likely found weight gain almost impossible to avoid. Stress eating and lack of gym access have also led to an increase in poundage for many Americans. As a result of this, important conversations about body positivity have come to the fore. At the same time, people who rely on exercise and dieting to maintain physical and mental health or keep their energy levels up have had to come up with new approaches to exercise and fitness.

This out-of-the-box thinking saw more people choosing to sign up for online fitness classes through sites like Alo Moves, Fitness Blender, Daily Burn or even Peloton Digital One. Preferring different approaches, other people created personal home gyms, adding extra features like TRX suspension trainers and even inflatable hot yoga tents.

Little routines we barely thought about before were drastically changed in the last few years. Even something as simple as grocery shopping has become a complicated and stressful process. Yet the upside of this is that many Americans are discovering new resources of creativity and resilience and acquiring skills that will pay off for years to come.

Article writen by Emma Grace Brown For America's Loan Company

America’s Loan Company is a direct lender in the state of Ohio that provides affordable personal loans ($100 to $3000) to people with less than perfect credit. Call 877-380-2639.

Personal Loan App

If you’re like many other people, you have friends who seem to have it all figured out regarding financial management. They make beautiful spreadsheets, always remember to balance their checkbooks, and keep track of every single reward point on their credit cards.

If financial management doesn’t come naturally to you, you might often get frustrated or find yourself in less-than-ideal money situations. Fortunately, you don’t have to be financially talented to keep your money in line these days. Many apps on the market will do most of the heavy lifting for you! Below, America’s Loan Company gives you six reasons to find a personal finance app that you use each day.

  1. Debt Management

If you struggle with debt, a personal finance app can help you get it under control while also helping you identify strategies for budgeting and saving. Look to a loan API like Plaid Liabilities to access real-time information on your debts (e.g., mortgages, student loans, credit cards, etc.). Armed with this data, you can start establishing payment plans to knock out your debt.

  1. Keeping a Budget

Whether you have a hard time staying true to your budget or you don’t even know where to start with creating one, a finance app can make budgeting a simple task. There are plenty of Android and iPhone apps to help you calculate your expenses and allocate your remaining funds to savings and recreational spending, all while maintaining your financial stability.

  1. Reduce Fees

Few things are more frustrating than late fees and overdraft fees. Sometimes, you can connect with a customer service representative to waive your late fee, but you can only go this route so many times before it stops working.

If you often forget to pay your bills or struggle to keep enough money in the bank to cover your expenses, using a personal finance app can help you prevent these problems in the future. And if you choose an app that notifies you when your balance is low, you can avoid overdraft fees.

  1. Achieving Your Goals

Recognizing that you need to transform your spending and saving habits is the first step toward financial help. But you must be protective and see the fruits of your efforts. Using the right finance app will hold you accountable for your goals and help you think twice before dipping into your savings.

Sometimes, it takes a while before you see the results of your saving habits; but some apps let you visualize your progress, which can go a long way in keeping you motivated.

  1. Separating Personal and Business

If you are an entrepreneur, using a financial management app is critical. Any mentor or expert will tell you always to keep your personal and business money separate. A finance app can help you accomplish this; you can even use two different apps if you want to add even more distance between your personal and business accounts.

  1. More Confidence

Once you begin to manage your debt, create a budget that you can stick to, minimize your fees, and see your progress, it will give you a significant boost in confidence. And that confidence can help motivate you to keep pushing forward toward your goals and improve your spending habits more each day.

Choosing the Right App  

So, you’re convinced to get a personal finance app. Now, you just have to do your research and choose one that fits your lifestyle. Ask yourself these questions when determining which app to use:

  • Is it easy to use and navigate?
  • What types of features and tools does it offer?
  • Will it seamlessly integrate with other accounts?
  • Does it have a solid reputation in the industry?
  • How much cost and time will you need to invest in the app?
  • Does it come with good customer and tech support?

You don’t have to be a finance guru by nature to improve your financial stability. Consider the reasons above for investing in a personal finance app, and choose one that will best meet your needs. Before long, you will be the friend that has all their finances figured out!

Would you like to read more helpful content or learn about our auto, personal, and refinancing loans? Visit AmericasLoanCompany.com today!

Article writen by Emma Grace Brown For America's Loan Company

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America's Loan Company - Notice

Customer Notice: Personal loans, title loans, and car loans have terms 6 months or longer. There are no early payoff penalties. We currently report to one of the 3 major credit bureaus, TransUnion. However, many factors affect your credit score. Therefore, we can't promise that your credit score will improve while having a loan with us.

Requirements: We are able to service Ohio residents only. Approval depends upon meeting legal, regulatory and underwriting requirements. America's Loan Company may, at its discretion, verify application information by using national databases, including but not limited to Teletrack and any of the national credit bureaus. America's Loan Company may take this information into consideration in the approval process. Due to state and verification requirements, not all applicants for loans may be eligible for approval by America's Loan Company. You may be required to submit additional documents due to state law and qualification criteria.

Products & Services: Products and services offered to customers may vary based on customer eligibility and applicable state and federal law. Actual loan amounts vary. The availability of loans and extensions may vary. Auto loans and secured personal loans are subject to minimum auto value requirements.

Further Personal Loan Disclosures: For qualified customers, America’s Loan Company offers bad credit personal loans with terms of 6 months to 5 years, with APR under 35.9%. As an example, you may borrow $1,500.00 over a 24 month period, with a $10.00 credit investigation fee, $100.00 loan origination fee, and $452.32 in interest, for a total payment of $2062.32, with an APR of 32.6514%, and monthly payments of $85.93.

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