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Archive for October, 2009

In a technological age where nearly every shop, restaurant or business will now accept some form of EFT payment, the question to ask is what do you prefer ?
Are you the sort of person who feels more in control of their finances through a mixture of direct debits, online banking and credit/debit card payments ?
Or would you say cash is king ?
If you look at your week and interaction with payments you will see how life is less about cash and more about paperless spend.
You go to the gym in the morning, and the standing order comes out of the bank monthly – with no option to pay per visit. You then set off in the car for the petrol station and you can now pay at the pump using your card, speeding up the visit. Off you go to work, stopping at the fast-food drive-thru window, again paying by card. You work in a business where all transactions with clients are electronic and no cash payments. In the evening you go to the cinema, and watch a film on your unlimited cinema pass, which again is a standing order. But wait, how do you pay for refreshments ?
Finally we find a situation for the use of cash, but we have demonstrated how much it is being eliminated from our daily routine.
So just how long before we ask, our future generations ask, what was it like to have money in your hand ??

All the different companies doing loans at the moment are all trying to undercut each other but without giving away too much money for low APRs.

All the banks are more wary than ever at the moment, as they do not want to get into the problems that RBS did when they were fiddling with all the funds etc.     In my own personal experience Alliance and Leicester are a very good company in terms of customer services.      One company you really have to be wary of is Citi Financial, they are a bunch of complete idiots who’s customer services are unlike anything I have ever encountered.

Right now it couldn’t be harder to get credit than ever before while we are in another recession, companies are rolling out the discounts and the current so called “deals” which they have all of a sudden popped out of nowhere, when really they had it in the first place.

There are plenty of places who are willing to give you decent deals on loans but you really have to try and look for the lowest APR, which right now none are low and you could find yourself paying a APR which normally is the rate of a person with bad credit.

If you are thinking of getting a TV and you don’t have the money right away to pay up for it all, you can always look at getting Finance for it, there are many places you could have a look and many different deals at each place.

People say that if you get refused at a place don’t go somewhere else for 6 months, but to be quite honest this is a load of rubbish, I went to Curry’s for a TV and bareing in mind I have quite a bad credit rating I thought I would try it, I got refused by them and advised not to try again for another 6months as usual.

I went to Tesco’s 5mins later across the road and got accepted by them and now have a TV bigger than I originally wanted yet cheaper, plus their finance deals are second to none, in the financial climate we are in I actually felt like I was ripping THEM off!