Archives September 2019

Money Borrowers – Credits

Borrowing money has never been easier. The competition in the financial market has done its part and made money flow fast. Until recently, banks and savings and credit unions held primacy until credit institutions emerged ten years ago. They shook the situation as they put the needs of the client in their focus. Each of their products makes it easy for clients to access money. The money is borrowed on the basis of basic documents and the repayment plan is created by the client.

Who are the people lending money ?

money cash

With the freedom of the market, there were various other options in lending money. It is not surprising, therefore, that we often ask ourselves, or read through the forums, who are the people who lend money . As well as the financial market, the gray market is developing. Most often, these are people who borrow money in the black. By this we mean the quick borrowing of money that leaves no written traces.

Many people will think what’s wrong with it, especially when you need it urgently, but the fact is that this way of borrowing money opens up opportunities for fraud. If there is no written trace, the lender can claim to have borrowed a larger sum of money than the real one, that less money was returned, that the money should have been repaid under one term even though it was agreed otherwise and the like. These are all possible scenarios when dealing with untested people.

 Poor incomes are to blame for the budget shortfall

Medals, on the other hand, are people who borrow money from others. Many wonder who these people are and how they got into the situation of having to borrow money. Given the low pay and high cost of living, rarely does anyone have a fund for black days. People are therefore forced to borrow money especially when it comes to emergencies such as home breakdowns, car repairs, emergency private health tests and the like.

Most often, they look for quick and easy credit methods that they can also repay. They are prone to solutions that do not require much time or effort, and if they can still be done online, this is an added bonus. Such an offer is an integral part of the range of credit houses that pay money into the account in just a few minutes.

There are no complications and no additional checks, only credit cards are approved on the basis of ID and current account card. Neither the employer nor the notary is required to be involved in the whole process. The procedure is as simple as possible, all with the aim of paying out money as quickly as possible. This is what clients value most.

I need the money – Loans

Never enough money. The cost of living is increasing day by day, overheads are increasing on a monthly basis, and what has been stagnant for years is wages. The phrase “I need money” can be heard in almost every conversation. It has become so commonplace that no one is surprised to hear it every step of the way. Because until recently, it was considered rude to talk about money in society. And today, given the financial situation in society, the phrase “I need money” has become the most normal part of the conversation.

What do loan companies offer?

money cash

The most commonly advertised credit houses offer a wide range of products that respond to the “I need money” statement. They offer their clients quick loans and loans that are repaid on the same day. They borrow smaller amounts of money that the customer can repay in an extremely short period of time, leaving room to re-borrow money if they need it.


What do banks offer?

money cash

With the same intent in remedying unforeseen situations such as the sudden cost of travel, weddings or repairs, banks offer quick solutions for those who thought “I need the money” today. They offer a minus on a checking account that allows clients to get less money in a quick and easy way without much paperwork. The only downside to this type of lending is high interest rates.

Another option is credit card loans. It is ideal for all credit card users and is paid directly into a checking account. It is repaid like any other non-purpose loan. When granting this type of loan, creditworthiness is not checked, but care is taken to ensure that the client’s payment is correct. It is paid out within one day and the payment deadline is minimal because it is a smaller amount of money.

How to borrow it from family or friends

money loan

If neither of the lending options of the financial institutions succeeds, there is always the possibility of borrowing money from family members or friends. An option is that citizens are increasingly avoiding it because they do not want to listen to talk. They just want to borrow money, not justify why they don’t have it in their account.

It is not easy for anyone to admit that there is no money, but it is even worse to hear someone’s letter in it. It is for this reason that experts recommend that if you want to borrow money from loved ones, simply treat this whole relationship as you would treat one with a bank. Be business and arrange the terms of the loan, then put it all on paper. Indicate how much is being borrowed, what is the interest rate if it is fixed, how long the repayment plan is, whether the repayment plan can be extended if necessary and the like.

It may sound too formal, but the fact is that this type of borrowing will keep you nervous, as well as the relationship with the people from whom you borrowed money. The fact is that it changes the dynamics of the relationship and if you want to keep it as it is, this is the best way.

Apps to save money – Credits

So that saving does not turn you so uphill, this time we want to present some of the most used apps to help you bulk up your “pig” every end of the month. Therefore, if you are one of those who have trouble saving, it is good that you know that technology can become your great ally. Apps to save money:

Monefy . It is a very intuitive application that allows you to record all expenses quickly by differentiating them by categories. With your help you can carry out an accurate count, and allocate a rest to the savings. It is available for all platforms for free.

Fintonic. It is an application designed to save and organize money. The idea is to prioritize effective control of the home economy from a mobile phone. It is available for Android and iOS. It includes very interesting options such as the possibility of synchronizing bank accounts (between several entities), setting a savings objective, and monitoring all expenses.

When trading by connecting your account with your bank information, divide the expenses by categories so that you evaluate what you spend too much.


money cash

To use this application you must enter your credit or debit card number. And every time you make a purchase, the app will suggest you round it up so that the difference goes to the savings account of the application. In addition, it has daily alarms to remember how much money you should save.
This app available for iOS and Android, allows you to set a savings goal, with the idea of ​​creating a financial culture.

Money lover. It is an application that allows you to write down all the monthly expenses and make a comparison with the income. And like all that we have been presenting, it is available for iOS and Android.

It contains, among other benefits, an analysis tab that will help you examine the history of your expenses, and make decisions that allow you to save money.

Money Plus

money cash

This is an app that has records of income and expenses by category. Labels and subcategories will help you to better rank. In addition, it displays statistics for periods of time using interactive tables and graphs. Mint.  It is one of the oldest applications that were born to make things easier for you in Freddy Mendeclosas family matters.

Its great novelty is that it allows you to manage and control your budget, expenses, income and even connect with all your bank accounts. You can have total control over your economy, offering you a broad and detailed view of your financial movements.

Another of its strengths is that it collaborates in the control of your monthly budget by showing you alerts as soon as you exceed yourself.


money cash

This app has features similar to those we saw so far, but with special emphasis on cloud support. All your synchronized data, both of accounts, such as expenses, income or savings, is saved in it automatically. Moneywiz.  Another really effective application. Although it is not free, MoneyWiz allows you to control your expenses, and has a lot of features: statistics, evolutions, predictions, comparison of budgets, earnings reports, among others.

These and many others are tools that can really help you achieve the great goal of saving. In times when it seems impossible, you will see that each rest, however small, may together represent an interesting Freddy Mendeclosas family sum. We propose you to try some of all these apps, and start with the challenge!

How to save to buy a house – Mortgage Loans

How to Save to Buy a House 

money cash

We all dream of having our own house and not having to allocate part of our salary in a rental. Obviously, buying a property is not a simple task but here are some tip to save money and move from dream to the reality of your own home:


Make important sacrifices such as stop buying that gadget that you “need” so much or maybe spend a couple of years without going on vacation beyond visiting relatives. Not forgetting that beers with friends for a while will be a thing of the past. Or roll up your sleeves and start putting your finances in order. See what you spend more on and where you can trim to the last cent.

In this crusade to get your own home you will have to find a place to live well for free. Getting to save to buy a house can involve living during that period of time in a cheap place. A place where you are comfortable, have a minimum of habitability. Here the account is simple, if you allocate a lot of your salary to a rental, it will take you longer to save the money you need.

After the rental there are several places where you can make cuts: Try to always use public transport instead of the car. Do not leave electrical appliances on standby. Change the light bulbs to low energy ones. Look for free forms of leisure and fun. Don’t stop drinking coffee going to work, better at home. Do not buy books, use your library.

So don’t waste time and start saving in all the dimensions of your life!

money cash

Make your money work:

Did you ever hear this phrase? It is time that we optimize all the resources we have at hand. Save for months and the money you have leave it in the savings account or in the fixed-term deposit and see how interest accrues. So your money is not devalued and you get an extra while you do not use it.

Focus on your goal and stay motivated

This tip may be the most important. Saving to buy a house requires time and sacrifice so any help is little. Above all psychological.
Have the photo of the house that you want to buy in visible places, that serve as a reminder and motivation. You can also use a progress bar that you will cross out or color as you get closer to your goal. Or whatever else you can think of.

Seek financing

As much as you apply all these tips you may feel that you will never reach your goal and it is understandable because the rod is very high. But don’t be disappointed! Maybe you can appeal to a mortgage loan and see how the fees impact your daily life. If the entities agree to your request, perhaps the money you use to pay the rent can start to be used to pay your own house!

We hope you find these suggestions useful!

Quick Payday Loans Without Employer Certification

How many times in your life have you run out of money? You went to a bank that rejected you, your colleagues just shrugged because they can’t help you either. We do not reject our customers !!!

You could not raise the much needed money at the bank through a loan because you are a bankrupt, you do not have a permanent contract, your employer does not pay you the entire salary into your account … Contact us with confidence because we give you quick payday loans without an employer certification.

Why fast payday loans without employer certification with us?

money loan

Very simple, just contact us and within 15 minutes of signing and receiving the documentation we approve and pay off the money! Access is very easy and requires only two minutes to complete the application form and provide us with the documentation you need.

To raise fast payday loans without employer certification, we do not require you to stand and wait in rows, crowded counters, tons of paperwork, and the extra cost of notaries. Save your time with us! Just like quick payday loans, loans are designed to save you valuable time.

Loans without an employer certification raised with us guarantee you a secure payment and the possibility of repayment according to a pre-agreed interest and time period. We are able to first offer all our clients the service of raising loans without an employer certification through SMS. SMS Lending is a very simple form of loan application and search, and you can find more information on our SMS Lending page.

Don’t let yourself miss the money in your life!

money cash

Get rid of accumulated debts, pay bills, close old loans and give your family a nice gift. We do not look at whether you are employed on a fixed or indefinite basis, so we will easily grant you loans without employer certification, although this may seem unrealistic to you.

What makes us recognizable is the speed at which our agents work, communicate with clients and pay off loans without employer certification. Convince yourself of our professionalism, as today you can be paid a loan without an employer certification, additional costs of notaries, paper and stress!

In the time ahead, do not think about how and what you will do tomorrow

money cash

Get a normal life with stable finances that will not cost you the wrong expense. This is why we have offered all our old and new clients a payday loan service without employer certification.

Do not be a slave to your employers who do not want to hire you indefinitely, who do not pay you higher wages and are financially disadvantaged. A quick payday loan without an employer certification will be granted to you as soon as possible. The installment loan will ease your current situation and allow you to repay the borrowed money at a fixed interest rate over a period of time.

If you are interested in our services and want to help you as soon as possible, and that a quick payday loan without an employer certification is in your hands, please contact us with confidence