Take your Dream Holiday Sooner
March 5 2014
Have your days been dragging on? Are you feeling more
worn out then usual? If so, then you are not alone. In fact,
it may be time for a holiday. When planning a trip away from
work, there is any number of things to do and places to see.
From lavish hotels to the private settings offered by parks
and beautiful beaches, figuring out the logistics can be a
challenge. This is especially true if you are planning your
dream holiday. Lets take a quick look at some small things
you can do like planning, financing, and personal loans. With
any luck you will be taking your dream holiday far sooner
then you expected.
All great holidays begin with planning. The firs thing you should do is set a time when you will start thinking
about it. If you plan to leave in 12 months, set a time at about nine months away to begin planning. This will
give you all the time you need to make reservations at the lowest prices while increasingly the likelihood of
availability. In addition, try to enjoy the process! You may be spending money but remember that it’s towards a
unique and excellent experience. Make this holiday about what you really want to do.
Calculate how much money your vacation will cost, as well as how long it will take you to raise the money you
need. Work towards funding your vacation account, adding small amounts of money over time. In addition,
decide on what your biggest expenses will be, and see if there is any way to lower the price. If you are desperate
for finance then there are two final options to consider. The first is to sell of things that you no longer need.
Where as that pair of skis were useful a decade ago, they may now only be taking up space. The second option is
a fast cash or payday personal loan.
People take out loans all the time, for a number of reasons. These include uni expenses, buying a house, car, or
even other forms of property. When it comes to your dream holiday, the best way to make it sooner is through a
personal loan. Personal loans have relatively few guidelines. As long as you are above the age of 18, have a
steady income, and an open bank account, you can take out a loan. If your dream holiday is just around the
corner, then a personal loan may be exactly what you are looking for.
Until then, good luck with your planning and we hope you’re sitting back and relaxing in no time!
Credit Card Cash Advance or
February 7 2014
There are times when we encounter expenses that are not included in our
monthly budget. If you are not able to meet your short term expenses there are
a few types of loans or other financing solutions you can try. Most people are
confused as to which method of borrowing money they should use. Should they
opt for online cash advance or payday loan? Or would it be better to just opt for
putting it on the ol’ trusty credit card?
Credit card cash advances are done with the use of your line of credit. The
amount of money you can get from this depends on your available credit card
limit and not so much your monthly salary. The only requirement is having been
previously approved for a credit card, nothing else. When you opt for the plastic
fantastic you won’t be expected to repay the amount once you have received
your next purchase. You will not be incurring any penalties or charges for any
late payments so long as you meet the monthly repayments.
What you need To Know about Payday Loans in Australia:
Payday loans are a type of unsecured loan. The amount of money that you can loan depends on your income and
payments need to be made on your next pay date. The biggest benefit is no doubt ease of use - the only things
that you need to do are send an income statement as well as certification or proof of employment. In this way,
the lender will be able to know how much they should loan you.
When you take a look at it, it is very easy to assume that a credit card cash advance is the best bet. However,
there are some cases when payday loans provide a better solution. For one, you will need to own a credit card in
order to avail of the online credit cash advance. In addition to that, using a credit card cash advance of course
increases the balance that you have on your credit card. What most people do not know is the fact that credit
bureaus take a look at this and match it to your available credit in order to know how close you are on maxing
out your credit cards. In the event that you are not able to repay the balance in the nearest term, your credit
rating will likely suffer. If you wish to avoid all these, then getting a quick and easy payday advance loan could be
a better way to go.
In the event that you need the money right away, then an online cash advance can be even better since there is
no collateral needed, processed online and it has a fast approval process. Until next month, keep on Kwoomin’!
Keep More Cash In Your Pocket
January 3 2014
With the New Year here, all of us typically set some solid goals and resolutions for the upcoming year. Some of us
plan on eating better or reading more often but most of us make a resolution to get our personal finances on
track for the New Year. This can be one of the easiest tasks to accomplish but many of us do not follow through
and slip up by the time the flowers are blooming come springtime. This year make a resolution to stick to your
goal to keep your personal finances in order. This may include taking a responsible look at receiving a cash loan
or online payday advance.
The best way in gaining financial independence this year is to create a budget for all items purchased with your
paycheck. This includes groceries, clothes, rent/mortgage and other miscellaneous bills and expenses that occur.
A great way to not over spend on groceries or clothes is by only bringing cash with you when you go shopping.
Leave the credit card in the car so you only purchase what you can afford.
Through creating a budget you will understand where every penny is being allocated to, so next month you know
exactly how much you will need for each expense and know what is left over for play money. Sometimes though
we have unexpected expenses such as vehicle problems or need to hire a handy man to replace the toilet, this
typically results in being short on cash and need fast cash in order to cover the rest of the months bills.
One of the best ways to receive cash quickly is through a small cash loan or an online payday advance. Both of
these options can assist you in covering those unexpected expenses that seem to creep up on us when we are
least expecting it. Typically a cash loan or an online payday advance can be a great back up if we treat them
responsibly. This includes paying them back in time without having to deal with late fees and higher than
expected interest rates.
Holiday Loans When You need it
December 7 2013
Easy Ways To Make Extra Cash During The Holidays
While there are many ways to earn a few extra dollars for the holidays,
sometimes it is more convenient to simply apply for short-term loans. Payday
loans are an excellent way to access extra cash and finance your holiday
shopping. Why not get the holiday shopping out of the way early this year and
then repay this type of loan at a later time? It makes good sense in that it is
easier to access these types cash advances then having to deal with the
uncertainty of finding part time work.
Filling Out A Very Straightforward Online Application
Because the application process is so easy with regard to payday loans, it is
hard to imagine not taking full advantage of what this type of loan product has to offer. By filling out a very
straightforward online application, a borrower will typically get an answer regarding approval in a very short time.
Having access to extra cash around the holidays can take away the stress associated with this busy time of year
and add convenience to the entire shopping process.
Taking Advantage Of The Latest Security Features
A short-term loan is a great alternative to finding ways to make extra cash for the holidays. Simple, convenient
and easy to apply for, these loans have grown in popularity in recent years thanks to fast processing and easy
repayment. A payday loan is always safe and completely secure. Taking full advantage of the latest security
features provides borrowers with piece of mind. Getting ready for the holidays just got a whole lot easier thanks
to the financial freedom that payday loans make possible.
Kwoom’s got Xmas Covered
November 7 2013
It’s nearly Christmas time and there’s a long list of shopping to do. Presents,
clothes, food, Christmas trees and decoration items, the list seems to go on
forever and ever. And it should be this way, after all Christmas falls only once in
a year and it is festival that symbolises benevolence and brotherly love. But all
this does incur a great deal of financial strain. Hence often Christmas ends up
being a festival of taking short term loans as well. It is very difficult to obtain
online cash advances. The process is long and cumbersome and is often
Are you facing a similar situation? Then here is the perfect solution for you - Kwoom Fast Finance. Kwoom Fast
Finance offers online cash advances without any hassles. This company makes online cash advances not only
faster but also cheaper. You can get the online cash advances at the lowest rates possible. Payday loans and
online cash advances of $100-$400 are easily available. The loan period is up to 30 days. The amazing bit is that
you apply by 3pm and the cash is available the same night! Isn’t that great? Who provides such exclusive and
The unique aspect of these services is that they will help you save money. With rates so low, you can save a lot.
This service is very fast. You can get cash in less than 24 hours. The application form that requires your personal
details and employment details takes not more than five minutes to fill up. It is as easy and quick as that. The
service team is available from 9am to 5pm on weekdays and 10am to 5pm on weekends in case you have any
queries or complaints, which will rarely be the case. The simple pricing system is clear and transparent and you
know what exactly you are paying for. There is a mobile app for the services and hence, you can receive the funds
in your account with the help of the app in no time. This service is available all throughout the country. There is
no paperwork and no faxing or printing or copying hassles.
The rates are low and reasonable as compared to any other service provider. An online cash advance or payday
loan of $100 will ask for a repayment of $120 after 16 days and $128 after 30 days. Similarly, an advance of
$200 will require a repayment of $252, $300 – a repayment of $376 and $400, a repayment of $500. Isn’t that
cheap? So friends, get longer shopping lists and have a fun-frolic Christmas without any hassles, without any
tension. What better way to celebrate Christmas!
Financial Lessons We Learned
from Breaking Bad
October 4 2013
Over the last weeks many of us were engrossed in the finale of Breaking Bad and it’ll likely be considered one of
the most gripping shows in television history. Watching the characters amass and lose barrels of money has been
instructive in many ways, and especially from a personal finance standpoint.
Obviously Walter White made some questionable life choices and while we're probably never going to make a
foray into making crystal meth, many of his choices can offer helpful lessons in money management for the
average law-abiding citizen. This month we’re seeing what insights we can glean from old Heisenberg into
preparing for disaster, personal investing tips and ideas for managing a cash windfall.
Discuss Money With Your Spouse
Walter thought he was best off hiding the truth from his wife, but he'd have been better off being honest with her
from the start. According to a recent study, nearly 60% of people say they’ve hid cash from their partner. And
that same report also established that in most cases spouses end up discovering out the truth regardless.
Once Skyler knew where Walt’s money came from she was able to help him; but not before irreparable harm to
their relationship. The lesson here is that hiding financial truths from your spouse can strain a relationship and
cause you to make bad choices. A family's finances are always better off when everyone is aware of the situation.
Make Your Money Work As Hard As You Do
Since Walter got his wealth through illegitimate means, he had trouble investing it in the usual methods. hence
why he kept most of his cash under the floor, in storage units and stuffed in barrels in the desert.
But for the rest of us, it rarely makes sense to follow the ‘under the mattress’ saving strategy. Most term deposit
accounts and managed funds will pay you decent interest and there are dozens of other safe options from shares
to super, that will protect your initial investment and offer a return.
Manage Your Risk
Walter White's downfall was expedited by the fact that he didn’t quit when he was ahead. Instead he always
managed to rationalise cooking crystal meth even when he had more money than he'd ever need. In short, he let
his ego and pride get in the way of sensible thinking, and continued taking big risks when he didn't have to.
It's a seductive thought to chase the big payday and go after the highest return on investments. But investments
with the highest returns generally have the highest level of risk.
The lesson here is that if you are ahead of the game in achieving your financial goals, consider taking a more
conservative investment approach to protect what you have.
Better Call Saul!
Don’t be afraid to ask for help - when Walter needed to launder his drug money he called Saul. When he needed
his enemies to disappear, he turned to Mike and his flunkeys. Without help there's a good chance Walt and Jesse
wouldn’t have made it past the second season.
It never hurts to consult with experts when you’re in over your head. If you’re ever confused by how to invest
your money, find a good financial advisor. It's OK to get help.
Bouncing back from a job
September 5 2013
In a world where the only constant thing is change, it’s best to be prepared for the
unexpected — like losing one’s job. However we’ve lost count of the people who tell
us that when they receive that dreaded pink slip it comes as a massive shock they
didn’t see coming, especially if they’re still on the road to becoming financially stable.
The usual initial reaction may be shock and dismay, followed by this question: “What
do I do now?” Hopefully, this article will help answer that somehow, and be a guide
for the unemployed who need a few pointers about how to get back on track.
Take some time to reflect
After being let go from your job, try to take some time to think about the possible reasons why you were laid off.
Ask yourself these questions:
Was I making a meaningful contribution to the company?
Was my performance up to scratch?
Did I do something that violated company regulations?
Did the company fall on hard times and did cutbacks really need to be made?
After you’ve answered these questions, it may help to come up with some ideas that will help you at your next
For example if you think it was your work performance that may have led to your losing your job, evaluate what
you could have done to be a better employee.
On the other hand, if you lost your job because the company where you used to work had to make cutbacks, try
to look for job opportunities with companies that are faring well in today’s economy. This way you’ll at least have
greater chances of having a stable job and less chance of losing it.
After going through the action steps above it’s wise to have a grasp of how to manage your budget in your
First of all determine your spending priorities – what is really necessary and what can you live without. Make a list
and find out which items are non-essentials, and cut them out from your budget.
Next, rejig your budget. Look at your savings and emergency fund money — if you have these — and try to see
how long they will last you. This is one of the reasons why it’s important to create a rainy day fund when you’re
still gainfully employed.
Before you dip into your emergency fund or savings, you will want to factor in any unemployment money that you
will receive, plus other potential sources of income that you may get. Revise your budget as needed.
If possible, take a look at the budget items you deemed necessary and find out ways to further minimize your
For example: Ask your telephone / Internet / electricity providers if you can change your service to an
inexpensive plan or if they have a hardship department that may be able to help you. You might need to make
some tough decisions and think about cutting out some services altogether.
If you take nothing else away from this month’s blog, remember that making a few conscious choices ahead of
time can provide a much-needed buffer when the proverbial hits the fan.
Negotiation: The Third Way
August 6 2013
So much of personal finance is centred on saving more
and spending less, this month we’re looking at a third
way of positively affecting our financial health. The art
of negotiation is a form of life-hacking which can be
truly life-changing. By adopting and refining a few
simple principles you can save thousands of dollars
each year, in everything from rent to cars to household
Never negotiate before doing your research. In order
to get the best deal it's important to know what the
market value is - is it a good deal to begin with? What
have other items like it sold for recently? How is this
one better or worse? What's my ideal price and what's
my maximum price?
Negotiating should be less of a battle and more of a dance. Take the time to strike up a rapport and find some
common ground. Realise that both parties have an investment in the outcome and that a happy seller is as
important as a happy buyer. Sellers who leave feeling like you drove a hard but fair deal will be more likely to
‘dance’ with you again.
Don't make the first move
If you're in a situation where the price of an item is not stated, let the seller toss out the first number. Whoever
quotes this magic figure first takes the most risk in negotiation — is the price so outlandish that the seller has
alienated the buyer or is it so low that he could have gotten twice that amount? If you can't avoid naming the first
price, go for a fair, if slightly low-ball offer. Remember, you can always increase your offer, but decreasing it is like
trying to unscramble an egg.
Think outside the box
Negotiating on price is the most obvious way to employ your skills but there are other things that can tip the deal
in your direction. If the item is large and hard to move, ask the seller to include delivery. How about a few lessons
on how to use that drum-kit if the seller isn’t keen on the $100 discount you were looking for? Or maybe that
mobile phone store might include a free car charger and earphone to win your business.
Be prepared to walk away
Don’t get too attached and if all else fails be prepared to politely wrap things up and walk away. But walking away
is the fiscal equivalent of going all in so don't overplay it or you’ll likely blow out a potential deal. More often than
not, seeing a potential buyer heading toward the door will motivate most sellers to make a deal.
It’s best to approach negotiation with a playful sense of fun - after all if you don’t ask the answer is always no. Till
next month, happy Kwooming.
6 Smart Things to do with your
July 4 2012
For many of us the arrival of our tax return is
closely followed by its rapid departure into an
expensive TV, trip or no-expense spared shopping
spree. By being judicious with some of your cash
you can set your finances up for the year. Here are
8 ideas to get the most out of your refund this year.
1. Pay Down High Interest Debt
Without a doubt this is the most important one.
Whether it's 20% interest on a credit card or 9%
interest on a car loan, there’s no safer way to get a
higher return than the reduction in high interest
debt even if you invested your refund in shares or
your mate’s greyhound.
2. Build an Emergency Fund
This idea runs a close second - even if you have some high interest debt if you have no emergency fund
whatsoever then you need to start one right away. Any calamity ranging from job loss to a medical emergency
could force you to ring up more high interest credit card debt, ruin your credit, or worse. An emergency fund is
there to help you sleep better at night and weather the unexpected. Think of it as insurance and hope you never
3. Start Investing
Investing a few thousand dollars now is enough to make a massive difference to your life in a few decades. Also
by thinking about your future now and deferring short-term pleasure for long-term gain you’ll start some great
habits. By investing just a portion of every tax refund you greatly reduce the burden on your budget in
retirement. If you're not already an experienced investor, consider focusing on a simple low-fee index mutual fund
or just put it into your super fund.
4. Start a Small Business
There are infinite ways to make money in your spare time and the internet makes it easier than at any other time
in human history. The most obvious way is to market the skills you already possess in your day job; become a
sole trader by knocking up a professional website in an afternoon and maybe one day you can stick it to the man
and work for yourself.
5. Refinance Your Mortgage
If you’ve got a mortgage this is the best way to turn a few thousand dollars into years of annual savings. Sure,
more than likely by refinancing you’ll get sting with a few grand in closing fees but once you do the sums you
could well be saving tens of thousands over the course of your mortgage.
6. Take the Chance to Do Things rather than buy things
There's a lot more to life than making, saving and spending money. Sure, maybe it's high time you splurge and
bought that iPad 2. But why not step outside your comfort zone and experience something new, travel overseas
or learn something you’ve always wanted to but have been putting off. The high you get with the acquisition of
possessions generally degrades rapidly afterwards. By contrast life experiences are forever.
Hopefully your creative juices are flowing and you’re inspired to do something substantive. Here in the office
we’re living what we preach and after paying down some of our credit cards a bunch of us are going jetsetting
around the globe next month.
5 Ways To Save on Bank Fees
June 6 2013
These days there’s no way around the banks. All too often having a bank account means resigning ourselves to
being slugged with any number of fees and charges but it doesn’t
have to be that way. As we discover this month, if you’re diligent,
plan ahead and give yourself a little financial buffer then you can
end up saving hundreds every year in bank charges. Here’s our
top tips for making sure your hard-earned stays in your account
where it belongs.
Make Everything Electronic
By far the main reason most people get constantly hit with fees is
because they try to manage their finances in their heads. It’s nigh
on impossible to manage all the household bills, income, cash
flow, budgeting and saving in such a haphazard way. Take the
time to schedule your regular payments via online BPay pay them
as soon as they come in. This minimises the chance that you’ll
forget and incur late fees.
Simplify Your Accounts
Another gotcha is the sheer number of accounts most people have. If you have one account where every payment
originates and if that account is also where your pay is going, then it's much easier to keep track of. If you want
to be even more on top of your finances, try to use the same method to pay all your bills. If you like to use your
credit card, then use it to pay all your bills. If you like using BPay then use that. You might lose out on some
credit card rewards if some of your bills don't accept credit cards as a payment method and you have to switch
everything to bill pay but if you can't keep track of your expenses, any benefits from those rewards are lost
Be Money Conscious
Or to put it another way, know how much money you have and don't spend money you don't. No matter how
much money you have (or want to keep in that account), you need to be aware of your balance when you make a
withdrawal. It sounds obvious, but the only way someone gets charged an overdraft fee is if a withdrawal is made
for money they don't have in the account. Many people actually get charged these fees not because they don't
have enough money, but because they move too much to other accounts. If this is you, consider that the 1.5%
interest you most likely get from that $1,000 in your savings account is only $15 a year, and after taxes, it is
even less. Is it really worth the hassle?
Avoid Monthly Fees
Maybe we’re being overly cynical but at times it seems that the banks have so many different types of accounts
to confuse us and make more money. If you’re still paying monthly fees for just having an account you can go to
your branch and ask them for alternatives or ways to eliminate them. It might require a different account or
getting your statement electronically. If you are told there is no way to eliminate your fees, just find another
Open an Online Savings Account
You won't be reducing your fees with this one, but you are probably wasting too much money by having your
money sitting in your traditional savings account. If you haven't looked into savings accounts that are available
only online, you’re missing out on guaranteed higher interest rates.
In case you forgot, it’s tax time next month. See you this time next month with our tips on how to get the most
out all your hard work over 2012/13 and keep more cash where it belongs.
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Fast Cash At Great Rates.