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5 Reasons You Might Need A Quick Cash Loan Today

July 19, 2018
Payday Loans, Short Term Loans 19

It’s never a bad idea to keep a healthy stash of cash kept safe for a rainy day. Haven’t quite managed to build a bad day fund yet? Then you’ll need a good idea of what you’ll do if something very unlucky pops up. In this article, we’ll be looking at 5 reasons you might need a quick cash loan today. Have a look through to see why it’s so important to have a payday loan solution ready and waiting in your back pocket. We’ll start with:

  1. Unexpected bills

This is one of the most common reasons for people to need money urgently. If we ignore bills for too long, charges can be applied and you’ll find youself being planted with a bill that’s larger than you expected. You can delay payment until your next payday and face further charges, or you can use a payday loan to pay it off now knowing you’ll have the money in a couple of weeks to pay for the loan. Weigh up the costs of delaying payment on the bill vs the total costs of the loan, and you’ll have your answer.

  1. The boiler gives up

When the boiler shuts down, you’re whole life can seem to stop. This is one of those repairs that absolutely needs to happen right away. It’s also one of the more expensive things that can go wrong around the house. With a fast short-term loan, you can have the funds in y,our account within hours which means you can get an emergency repair expert to pop over the day it happens. No cold showers for you!

  1. The fridge calls it quits

If you’ve had your fridge for many years without giving it any maintenance work, you should consider it a ticking time bomb. You can either let your food rot or get it fixed as soon as possible. If you work full-time, this will compound the issue. You don’t have time to be waiting around for repairmen, let alone figuring out what to do with all your chilled food. What if the fridge is totally toast and you need to buy a new one?

If you don’t have that kind of money sitting in your account, you’ll need a quick cash loan today that doesn’t take ages to apply for, doesn’t come with any awkward conversations, and gives you the funds you need the same day to get things sorted.

  1.  Car trouble  

Use your car for work? If it doesn’t start in the morning and you live somewhere remote, you’ll find youself in quite a pickle. It’s not just something you can live with so you’ll have to either find your way via the closest local transport or hitch a ride from a buddy until you can afford to get your car repaired. Sound good? No we don’t think so either. With a payday loan you’ll be able pay for the repairs much sooner, avoid crazy hassle, and not get fired.    

  1. To buy food & supplies

All it takes is a tiny bit of misjudgement and you’re monthly budget can be spent before the month is out. We’ve all done it. Whether you’ve accidentally bought too many clothes or just booked a sensible holiday and got the numbers slightly wrong, this common error shouldn’t exactly be punishable by starvation until your next payday.

It’s never a good idea to play the delay game with the rent, so you can get a quick cash loan to stay supplied, well nourished, and properly prepared for the work days ahead. At Cigno Loans, we try to do all we can to ensure your application is processed as quickly as possible. You can apply in the morning and have the funds the same day!

Run into any of these killer issues and you’ll be desperate for a very quick injection of cash. Need a quick cash loan today? Our application process can be completed online from your mobile phone. The most important items you’ll need for the process is a government issued ID and your most recent bank statements to prove your level of income.

We hope this quick list of reasons to be prepared has helped! By having a good idea of the quick loan solutions available, you’ll be best placed to get things sorted the day they happen.

5 Reasons You Might Need A Quick Cash Loan Today

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For more information about our products, don’t hesitate to contact us.

You can also read more about quick cash loans in our previous blog post: 3 Best Ways To Get A Fast Cash Loan Online

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3 Best Ways To Get A Fast Cash Loan Online

July 9, 2018
Payday Loans 12

When you need a bit of extra cash to cover your costs for the month, a fast online cash loan is one of the most feasible and reliable ways of accessing funds right away.

In this post, we’ll be taking a look at 3 of the most popular methods that people are turning to when they need to borrow quickly.

Let’s start with:

Short-term loan (payday loan)

This is quickly becoming one the most popular ways for anyone to access money quickly regardless of your credit history. This is what we specialise in at Cigno Loans. The idea is that you get the funds you need as soon as possible, and you pay it back when you get your next payday. There’s no better way to access the money as quickly as possible. In the vast majority of cases, these fast online cash loans are paid out within hours of your application.

The application process is very straightforward and you can even get yours done through our website from your phone.

You’ll need a collection of your most recent bank statements and a government issued ID to complete the forms.

As mentioned, this is a great option if your current credit score is not in perfect shape. Normal loans are based on credit history, largely due to the fact that they involve terms that span years. Short-term loans are designed with terms that span weeks. So the most important thing to us, is that we can see you are in a position to pay back the loan comfortably within the time agreed. Proof of your current income is all the evidence we need, so we won’t have to spend time looking up your credit history. This makes the process much faster, and far less painful for everyone!  

P2P lending

Peer-to-peer lending has been increasing in popularity for years now. These are fast online cash loans that you receive from other people, as opposed to an established professional lender. It’s a little more complicated than simply taking a load of cash from a stranger. There is a range of P2P platforms out there that facilitate this system of borrowing.

These P2P platforms are like marketplaces, but instead of a buyer and a seller, the transactions are between borrowers and lenders. Any user that visits the site can be a lender. The P2P site essentially offers to act as the broker of credit deals between users. The main advantages of such platforms include favourable rates and decent delivery times, but it’s nowhere near as fast as the short-term loans described above.    

The application process for P2P is all done online and there’s a wealth of different sites to choose from, all of which offering slightly different terms, so it’s important to read up before you dive into anything. If you’re not that pressed for time, and are prepared to do your homework in order to save a few dollars, this might be a suitable option for you.     

Apply for a credit card online

This is bound to be the slowest of the three options we’re pointing out here, but it’s still likely to be much faster that applying for a personal loan from the bank. Taking credit cards from less established issuers has always had a bit of a negative cloud looming over it, so you’ll have to do some searching around to compare cards and find the one that ticks your most important boxes. The rising concerns surrounding online sales does suggest it’s becoming increasingly important to use credit cards for online purchases, so applying for a card can fulfill more than one purpose.

The question is; do you have the time to complete the process? Even in the best case scenarios, online credit cards can take days or weeks to arrive and become active. If your emergency needs to be sorted right now, this option won’t give you access to the cash quickly enough.

3 Best Ways To Get A Fast Cash Loan Online

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That’s that! When you need a loan right away, these are the best options you have. Need the money today? A payday loan is the only way to achieve that kind of speed. Have a bit more time to play with and the patience to weigh up a sea of options to get the best deal? Then you can take a closer look at P2P lending or applying for a new card.

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Top Facts To Remember When Looking For An Instant 24/7 Cash Loan

July 3, 2018
, , Payday Loans 5

Sometimes, you run a little over budget or run into a situation where you find yourself in need of a small financial top-up. Some of us follow very strict rules when it comes to money, and some of us are far more flexible with our attitudes. When your situation is an emergency, one of your options is to secure an instant 24/7 cash loan.

These short term loans are designed to be paid out to you right away giving you the cash in your account needed to sort your ordeal. You then pay back the amount you’ve borrowed on your next payday.

In this post, we’ll be going over some of the top facts you should keep in mind when looking for the right instant loan. Have a look through these pointers to be sure you’re up to speed with what’s right and what’s not:

Not every provider is a lender

When you type instant loans into google, you’ll see a bunch of vendors come up in the search results. Some of these companies will be direct lenders, and some of them will be agents like us! You might think you’d get the best deals my looking at lenders only, but this is a mistake.

Just like hotels or other services that get most of their custom online, the actual service providers don’t always give you the best rates and offers. 90% of the time, it’s the agents or comparison sites that get you the best deals. It’s the same basic idea when it comes to instant 24/7 cash loans. As an agent, it’s our job to find you the best rates and options to suit your needs, and we do so by using Gold Silver Standard Finance Pty Ltd.

Flat fees are standard

As soon as you get your search underway, you’ll no doubt notice that almost all agents and lenders offering these kinds of loans charge a certain fixed amount per loan. This is typically a small percentage of what you borrow and is added to the amount you pay back.

If you’ve never taken a short term loan before, this might come as a bit of a shock, but it’s important to know that this kind of fee is standard practice. It’s much better to deal with an agent or lender that is very upfront about the costs of their solutions, than those who tend to make promises that sound too good to be true!    

No loan is ever paid out instantly

Although we do everything we possibly can to ensure the funds are available as soon as possible upon approval, it’s not realistic at all to think that any provider will be able to have the money with you within minutes of your application. In some cases, we can achieve amazing payout times, but for the most part, loans usually arrive within hours. That’s about as instant as it can get anywhere you look!

Your credit score is not as important as recent income

Most lenders will pay attention to an applicants credit score religiously. At Cigno Loans, we understand that poor credit scores are not a full reflection of a person’s ability to pay back a short-term loan. This approach allows us to be far more helpful to those with a less than stellar rating. The main thing we’ll need to see is proof of your income in the form of recent bank statements.

You’ll need this information whether you’re completing the application through our app or over the phone. No regulated or responsible vendor will ever promise to supply you with a loan without this information, so it’s a great idea to have it handy as you look around for options.

Communication during repayment is key  

We do everything we can from our end to ensure your experience is as smooth as possible. This includes sending you clear instructions during payout as well as ensuring you receive a range of helpful notifications reminding you of your payment dates. Should you find yourself in a situation where you think you might fail to make a payment on time, it’s always best to inform us a soon as possible. That way, we can do our best to help find a solution and prevent fees and negative credit rating implications from mounting.

Top Facts To Remember When Looking For An Instant 24/7 Cash Loan

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Read more about instant loans in our previous blog post: How Instant Payday Loans Can Get You Out Of A Financial Bind

Learn everything there is to know about the costs associated with a Cigno instant payday loan here and here.

Cigno is a reputable payday lender. We have always been transparent about our products and services. For more information, please don’t hesitate to contact us.

The Best Options When Looking For A Fast Money Loan

June 28, 2018
Payday Loans 1

Most of us live from day to day financially. There are some that are lucky enough to be able to put little bits away when they can to build a safety net, but for the most part, many of us are increasingly at risk of falling short.

When your rainy day fund isn’t quite enough to meet the demand of an unforeseeable cost, a fast money loan or quick injection of cash is often the best way to stay afloat.

In this post, we’ll be looking at some of the most common ways people access loans quickly. Have a read through and see if any of these options makes sense for your circumstances:

A loan from family or friends

In a lot of cases, you’ll know someone that you trust enough to take a loan from. Whether it’s a family member, a good friend or a relationship partner, taking money from an associate is sometimes the best way to go. Unlike with any other form of credit, family and friends are unlikely to charge you anything in terms of fees or interest, as they’ll be happy to help you out if they can easily afford to give you the amount you need.

The issue with relatives and associates is timing, availability and of course, the relationship you have with them.

Asking for money from someone you know personally is always embarrassing.

It can also place a large and tense level of strain on your relationship. If things go well and you’re able to pay the full amount back in no time, there will be less panic, but it’s always hard to calculate the damage that’s done when things go wrong.

A fast loan from a trusted provider like Cigno Loans   

Getting a fast money loan from a professional vendor brings certain benefits. The first one being timing. These short-term arrangements are often called “payday” loans and can be paid out within minutes of your successful application. They’re perfectly designed to suit people who are in a pinch for time, but have a solid income that assures they can afford repayment in good time. They’re also very flexible with the amount you can take.

You’ve probably already heard from others or from media that these types of fast loans are becoming increasingly popular. Being able to apply online, or through an app, and receive the funds direct to your account the same day is hugely attractive. It can serve as a practical solution for anyone needing to handle a sudden cost as quickly as possible.

Credit cards

If you already have a credit card, this can be a very quick fix. If you don’t yet have one or you’ve reached your card’s limit, applying for a new one can take some time. Applying for a credit card means having the issuer rate your suitability based on your current credit score. If your score is to low, you’ll likely be refused or offered lesser terms.

Personal loans

A personal loan is usually issued by an established bank. The application process typically involves going into a branch to discuss your situation with a personal loans advisor. You’ll need your ID, and recent financial records showing your income, outgoings, current debts and any assets you own. The advisor will then lay out the options available to you.

It helps if you apply with a bank that you’ve already dealt with before, perhaps through an account that you’ve held with them. The time it takes for the process to pay out can vary between vendors and different circumstances. If you have a good credit score, don’t need the money for a few weeks and need to borrow a larger amount of money, this may be the most ideal solution for you.

Those are your best bets! We hope this quick list of fast loan ideas has helped! Remember, taking a fast loan is all about doing your research to find the option that ticks all the right boxes for you. Having a good look around to find out what’s out there is half the battle. If you need the funds as urgently as possible and your relations can’t help, a fast money loan will ensure you have the funds you need within moments of acceptance.

The Best Options When Looking For A Fast Money Loan

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Read more about fast loans in our previous blog post: Why Fast Easy Loans Are Increasing in Popularity

If financial hardship is affecting you and you need a payday loan, Cigno might be able to assist.

To apply, complete our quick and easy online loan application and send us your bank statement. Receive up to $1,000 in your account with our payday loans with manageable repayment options. For details, contact us.

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Why Fast Easy Loans Are Increasing in Popularity

June 19, 2018
Payday Loans 16

There are a whole heap of situations in modern society where a fast easy loan can save the day. In this article we’re going to explain why quick and short-term loans (often named “payday” loans” have become so popular in recent years. Unsure whether or not a fast loan is the right option for your financial circumstances?

Have a quick read through these key reasons why so many turn to these types of loans as an instant solution.

Increasingly easier online access

Decades ago, finding the right loan could take weeks or months of searching. Sometimes the best options involved securing funds from relatives and family members. That is, if they could afford to lend you the cash you need and had it on hand to give to you right away. Today the internet has made everything faster, more accessible and incredibly easy to handle within minutes or hours if need be. Many lenders now offer their services using online only methods, through apps and in some cases, with constant the chat support. It’s never been more straightforward than it is now to apply for and receive a fast easy loan.

The funds are available instantly

Unlike with personal loans, credit cards or other types of conventional borrowing, short-term loans don’t require a lengthy or overly demanding application process. In most cases, these types of loan can be paid out the same day they are accepted. This is a crucial detail that can make all the difference. Nowadays, people want things fast or even better, instantly. 

The same thing goes for emergencies. When the boiler’s broken or your car won’t start, time becomes the most important factor that shadows all else. Delays can bring further damage to the situation, so the immediacy of a payday loan becomes a huge selling point.

Highly flexible terms & amounts

With a conventional personal loan, the commitment typically spans years and this means the interest rate you get is very strictly related to your credit score as well as the amount you’re borrowing. In a lot of cases, the best interest rates are reserved for higher amounts which can be hugely off-putting for most people. In contrast, short-term loans are designed to be paid back within a month, so a lot of lenders are able to offer far more flexible terms to suit your needs. Whether you need $100 or $1000, it’s much easier to get a payday loan for the exact amount you’re looking for.

Getting the right amount is very important for a number of reasons. The main reason for taking out only what you know you need is to protect yourself from owning more than you are comfortable with. The interest rates within short-term loans are typically very high, which is designed to act as very good reason for you to only borrow what you can comfortably afford to pay back even on a bad day.

More & more people are living paycheck to paycheck

So many people today live right on the edge of what they can afford every month. If you earn just enough to pay all the bills with just enough left over to spend a little month by month, you’re not the only one! As this trend rises, so too will the need for loans that can be issued quickly and for precise sums. Living paycheck to paycheck might seem like the best way to do things, but what happens when something unforeseeable goes wrong? The plumbing breaks down or the fridge needs replacing for example. In these situations, you don’t exactly need tens of thousands of dollars, but you’ll still need a sizable amount of cash that you might not have access to in an immediate time frame.

Unpredictable emergencies are one of the leading reasons an individual or family might seek a fast easy loan. Payday loans fill this demand and will continue to do so long into the future.

Why Fast Easy Loans Are Increasing in Popularity

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If financial hardship is affecting you and you need a payday loan, Cigno might be able to assist.

To apply, complete our quick and easy online loan application and send us your bank statement. Receive up to $1,000 in your account with our payday loans with manageable repayment options. For details, contact us.

 

 

   

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How To Avoid Unnecessary Spending

May 31, 2018
, Budgeting, Payday Loans

What measures do you have in place to curb your unnecessary spending? And more importantly, what are you spending unnecessarily on? These are questions you need to be asking yourself if you intend on saving money, regardless of what you are saving money for?

Whether you are building a nest egg for a rainy day, saving for that friend’s overseas wedding or the much desired house deposit, unnecessary spending will put a dent in your plans.

Continue reading to learn more about ways in which you can avoid those impulse purchases, and focus on your financial goals.

Impulse buying is extremely difficult to avoid. Even in the current financial climate the temptation to go shopping can be difficult to avoid and can lead to unnecessary purchasing habits. Fortunately there are ways to limit yourself from spending your money on unnecessary purchases.

Make a list

Make sure you write a list before you enter a shop. It’s very easy to convince yourself you need something that you actually only want. By writing a list you can hold yourself to it and will therefore be less likely to stray. You never know, maybe a list will be the thing which helps you save enough money to start investing, for example in commodities like Gold at BullionVault, shares on the stock market or even international currencies on the Forex markets.

Give yourself a budget

Draw up a budget to follow for every week throughout the year, and make sure you stick to it. Your budget should consist of all of your necessary purchases like rent, bills and food shopping. The rest should be stored away in case of emergency repairs. Budgets are a great way to keep track of your spending and prevent surprise bills in the future.

Don’t justify them

Don’t talk yourself into buying useless junk by justifying it to yourself. If you didn’t need it in your life before, then it is highly likely that you don’t need it now and therefore can avoid buying it. Excuses people often use include: ‘Just this once’, ‘It’s half off’, ‘I deserve a treat’, and ‘What harm can it do?’ To your bank account? As it turns out – quite a lot if you do this kind of thing often.

Ignore deals

I know how tempting it is when you spot a ‘great deal’ in a store. Unfortunately even though there may be money off an item, you still have to pay for it. It might be a reduced amount, but it’s money you could be saving in an emergency fund for accidents, holidays, or adding to your weekly mortgage repayments. Also, a lot of the time these supposed ‘deals’ actually don’t save you money at all. Get savvy and walk past them if you don’t need the item.

How To Avoid Unnecessary Spending

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Avoiding unnecessary spending is a great way to save money. However, it requires an investment in time and discipline. If financial hardship is affecting you and you need a payday loan, Cigno might be able to assist.

To apply, complete our quick and easy online loan application and send us your bank statement. Receive up to $1,000 in your account with our payday loans with manageable repayment options. For details, contact us.

Read the original source article here.

You can read more about this topic in our previous blog post: What Are Payday Loans? Your Guide To Understanding Payday Loans

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How Instant Payday Loans Can Get You Out Of A Financial Bind

May 11, 2018
Payday Loans

If you haven’t used Cigno before, you might be wondering how a payday loan can help get you out of that financial quicksand. But before we go any further, it is important to remember that a payday loan should only be used as needed, when you know you can afford the repayments.

Our loans at Cigno have helped Australians far and wide with financial assistance.

At the end of the day, we are only here to help in times you need it most. The following blog post will outline how this type of loan works and whether or not it is the right product for you.

Below you will find some commonly asked questions about instant payday loans. And if there is still something you would like answered, you can always refer to our FAQs page, or, feel free to call our friendly customer service team.

What is an instant payday loan?

This type of loan has been called every name under the sun. From instant payday loans, to small, short-term and same-day loans, it doesn’t matter what they are called. What matters, is how and why they can help you.

They get their name (whichever one you choose) based on lots of things. Firstly, let’s talk speed. Instant, fast, or same-day loans, yep, you guessed it, generally appear in your chosen bank account within hours of approval. Why?

Because when you are in a financial emergency, you need cash fast.

The term ‘payday’ is perhaps the most commonly used. That’s because this type of loan was designed as an interim solution until you are paid by your respective employer. It is a small amount of money, deposited into your account to tide you over until payday.

What are the associated fees?

The legislation in our industry continuously changes. But the industry standard for a loan of this type includes the following:

  • A one-off establishment fee which is 20% of the amount loaned
  • A monthly fee which is 4% of the principal loan amount
  • Any applicable government fees or charges
  • Fees or charges if you default on the loan

Cigno, through Gold-Silver Standard Finance, charges a flat fee of 5% of the amount that you borrow, which is charged the day your loan is approved and accepted, and is then repayable as part of you repayment schedule.

The real difference is in comparison to other types of loans, including home loans and credit cards. These charge interest annually whereas instant payday loans charge monthly, which is important to be aware of.

When can I get an instant payday loan?

The answer is in the question! Well, actually it’s not instant. Cigno generally pays into your account within hours, however, if approved late in the afternoon, you should receive the cash by 11:00am the very next day.

Learn more in this article on Finder: Payday Loan FAQs

What if I have bad credit? Am I still eligible for an instant payday loan?

As mentioned above, because they are ‘payday’ loans, they are ideally repaid when your next payday arrives. This is why the criteria of eligibility is more flexible than big-ticket loans for mortgages etc. Often credit history isn’t the major concern, it is the ability to repay. This is why we require identification and a bank statement in the assessment of your eligibility for an instant payday loan.

Borrowing responsibly

We advocate responsible borrowing as much as we practice responsible lending. Although we endeavour to help you in time of financial crisis by considering all applications, we will not loan money we believe can’t be repaid. All applications submitted to Cigno are assessed on the ability to repay the loan, and this is why we don’t approve amounts that can’t. Where possible, instead of disapproval, we will try and reach a conclusion that can still assist your financial need while being repayable.

Remember: borrow what you need.

How Instant Payday Loans Can Get You Out Of A Financial Bind

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Got any questions?

Not only do we have a FAQ page with a bunch of helpful questions and answers, but we also have a Member Portal. For registered members, this service allows you to log in get to know your loan. The Portal allows you to view repayment amounts and even postpone if necessary. If you have any further questions, you can always call, SMS or email.

No Catches. No Hidden Fees. No Worries.

Learn everything there is to know about the costs associated with a Cigno instant payday loan here and here.

Cigno is a reputable payday lender. We have always been transparent about our products and services. For more information, please don’t hesitate to contact us.

You can continue your loan education in our previous blog post: Understanding Different Types of Small Loans

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Budgeting… Why Bother? Here’s Why!

April 30, 2018
, , Budgeting, Payday Loans 3

A lot of people often ask, why bother budgeting? There are plenty of reasons! Budget setting can be a very powerful tool in saving money and achieving financial independence.

This blog post will outline some of the most effective ways to budget, in order to reach your monetary goals.

We will get into the nitty gritty of budgeting eventually, but first, let’s look at the basics.

Cigno is here to help in times of need. If you are experiencing financial difficulty, get in contact with us today and apply for a payday loan to assist until your wages or salary is paid.

What’s the ultimate purpose of budgeting?

Is it to make sure that you’re not spending too much money on shoes versus cat food versus toilet paper? Of course not.

The point of budgeting is to make sure that at the end of the month, you still have money left over.

The Real Point of Budgeting

The purpose of budgeting, in other words, is to make sure that you’re living below your means, rather than living at or above your means.

Some people use a budget as a tool to make sure that they don’t live payday to payday.

How Budgeting Can Help

One of my good friends used to move money into his savings account at the start of each month. He’d pat himself on the back, thinking that he was saving money.

At the end of the month, in order to pay his bills, he’d transfer money from savings back to his checking account. His savings account wasn’t growing – he was just playing the transfer game.

He fooled himself into thinking that he was saving. He didn’t recognise this fact until he made a budget and began tracking his expenses.

Monitoring his net worth, he says, also helped him recognise the effects of his money habits.

Don’t be like my friend. (Or, if you’re already like him, act like his new, reformed self.) If at the end of the month you’re breaking even and you don’t have any margin of error left over, you’re living for the next payday, and that isn’t a position you want to be in.

Budgeting Basics

A budget is one possible tool that could get you out of that bind. Strictly speaking, a detailed line item budget isn’t necessary.

You don’t need to track or care about how much money you’re spending on restaurants versus clothes, particularly if you’re already debt-free and saving a significant portion of every payday.

How Much Should You Be Saving?

At a minimum, everyone should try and save at least 20% of their income. That divides out as 10 to 15% into retirement accounts, and 5 to 10% into other savings goals.

That 20% figure is just a starting point. There’s no harm in saving more, and there’s even a growing movement of people who promote the notion of saving half.

A detailed line item budget is simply a tool that helps you get there. It’s not the solution to your problems; it’s just a mechanism that you can use to help you save more.

Different Kinds of Savings

By the way, when I talk about savings, I’m referring to any activity that ultimately boosts your net worth. I don’t literally just mean money that you stuff into a savings account.

I’m referring broadly to money that you might put into retirement accounts, a health savings account, flat spending accounts, or that you might use as additional payments on a debt.

For example, say your mortgage is $1,500 per month, but you pay $2,000 per month.

That marks the extra $500 as an additional principal payment, so the $500 counts as savings.

Sure, it’s not literal savings in a bank account, but it’s money that directly boosts your net worth. It’s savings nonetheless.

Budgeting… Why Bother? Here’s Why!

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Are you inspired to go and save?

If you find luck just isn’t on your side when it comes to money, Cigno may be able to lend a hand.

Try our loan calculator to decide whether or not the Cigno service is right for you.

To apply, simply complete our quick and easy online application and send us a bank statement. If you prefer give us a call on 1300 88 23 24 and one of our friendly staff will be happy to help.

All applications are considered and we do our very best to find a suitable solution to your needs.

Read the original source article here.

You can also read more about payday loans in our previous blog post: What Are Payday Loans? Your Guide to Understanding Payday Loans

 

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Start An Online Business Today!

March 7, 2018
, Payday Loans 2

Are you tired of working the same old 9 to 5? Want to be your own boss? Go digital! Get online and start your business today!

Money doesn’t define happiness, especially when it comes to career. A lot of the time, job satisfaction is far more important than payday.

Ask yourself: are you happy in your current job? Is there something you would rather be doing? Australians everywhere are taking to the Internet to carve themselves a new career path.

Why? Well, all you need is reliable Internet connection, a laptop or desktop computer, and somewhere comfortable to sit. You want to know the best part? You can get started online with nothing more than a one hour payday loan from a direct lender.

Cigno Loans has helped hundreds of people get their foot in the door by providing a little venture capital—funds that are in your account within hours. Think about it as an investment in your future, both professional and personal.

Okay, but where do I start?

Start online! Where else would you find inspiration for starting an online business? And if you plan on becoming an expert in a niche area of the online world, you will need to do some best practices and competitor research.

Know your niche like the back of your hand. In order to do that, study the websites and various social media channels of a successful business. What are they doing well? What aren’t they doing well? These are all questions that can help you develop your business model.

Build a website

It sounds a lot more complicated than it is. There are great website building platforms out there that don’t require extensive web development or code knowledge. Have a look at Wix and Weebly to start.

You could establish an online presence in one hour. It’s that simple. And you won’t need a payday loan from a direct lender to set it up. A lot of website builders offer free two-week trials. Input your business name and a couple of snazzy images and you are good to go.

The costs may not be much initially, but can add up. When you factor in the domain hosting (your website name), the website subscription, you’re looking at a couple hundred dollars a year. Check out the best website builders and pick one that is perfect for your needs.

Start An Online Business Today!

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What next?

Now you have an online place to be found by prospective clients, let’s talk more about the actual business model.

Check out this list of online business ideas. Have you dreamt of being a travel consultant? A wedding or events planner? Want to open an online clothing store? There are so many ways in which you can be successful. All you need to do is take the leap!

There’s no waiting days or months for marketing campaign approval. If you want to wake up one of these paydays with a smile, knowing you’ve made your self-employment dreams a reality—contact a direct lender for a loan. Cigno Loans pays into your account the same day, often within a matter of hours.

The dropshipping craze

Have you heard about dropshipping? In short, dropshipping is a strategic e-commerce business that requires no upfront or advance payments. No asking a lender to loan you an amount till next payday.

When dropshipping, essentially, you don’t have a physical store and you don’t see the items. You are simply creating an online shopfront to distribute 3rd party goods. The 3rd party then ships the goods directly to the consumer.

No warehouse full of cardboard boxes. No rent on said warehouse. And more time spent handling the business and management side of things. It makes sense! Find out everything you need to know about dropshipping. Who knows… maybe it’s your true calling?

In conclusion

The digital world is a fickle beast. Time will not slow the technology juggernaut. Even if you aren’t considering creating an online business, getting to know the online sphere won’t hurt.

But if you are ready to take the next step in your personal business goals and need a tiny bit of venture capital to help lay the foundations, get in touch with us direct today. Or click through to Payday Advance to begin your application. We are a lender who proudly delivers financial assistance to those who need it, in a matter of hours!

You can also read more about payday loans in our previous blog post: What Are Payday Loans? Your Guide to Understanding Payday Loans

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4 of the Best Digital Products on the Market! 

January 31, 2018
Payday Loans 2

New year, new me, right? What are your goals? Where are you travelling? What do you want to achieve this year?

No matter what your aspirations for 2018, there’s a bunch of digital products out there on the market that can add some serious personal or professional value to your life. Learn more here.

Let’s take a look at 5 of the most innovative digital products of last year and how relevant and educative they can be to you.

eBooks

Whether you are a doctor making triple figures every year, or a construction worker wondering whether you can have more than one payday loan, ebooks are affordable… simple as that!

If you don’t have time to visit a bookstore and peruse the endless shelves of literature looking for ‘the one’, why not jump online and see books recommended to you based on your preferences?

No longer do you have to only read ebooks on a Kindle or similar tablet device. You can read your chosen book, any time of day or night, anywhere on your smartphone. Just download the book, and pick up where you left off!

Music

Is iTunes still around? Anyway, have you heard of Spotify, Apple Music… there are so many to choose from these days. One thing everyone needs is a good music collection. And it’s never been easier with digital music.

You don’t need more than one payday loan to sign up to any of these subscription-based music streaming services (unlike buying CDs, or worse, vinyl records). The small monthly fee is well worth it.

Find new musicians similar to the ones you like. Find informative podcasts and even meditation guides! Spotify also shows touring dates for your favourite artists.

Sometimes music is just the perfect way to unwind after a long day.

Online Courses

Being a student is tough, right? 2-minute noodles for every meal, maybe a shift at the bar once a week. Nearly every student must wonder at some point whether they can have more than one payday loan?

Have you tried an online university? They have grown in popularity in recent years. And, do you want to know why? Convenience. Study in your own time. All lectures and class information is generally uploaded to an easy-to-access portal for students to consume knowledge at their own pace.

Of course, assignments and stuff are still due on time. But online courses allow the individual freedom to still work full time. Attending a university on campus involves far more fees than online to cover facility costs, for example. And if you don’t feel like asking those dreaded words, “Can I have more than one payday loan?” then an online course may be a great and affordable education option.

The payday comes eventually, after you have filled your brain with knowledge relevant to your chosen field. Check out some great online universities or online video course marketplaces, including Open Universities, Udemy and sign up for a course today!

Media Streaming

How about Netflix? Or Stan? Which one do you prefer? Since their Australian inception a couple of years ago, online media streaming services have arguably changed the face of the digital product world.

Movies and television shows are constantly being added to these subscription services. Fresh content, all the time. Unless you have been living under a rock, or you live a perfect work-life balance, it is extremely easy to binge-watch the latest television series until your heart is content.

But, you can gain a lot of insight into the lives of others, how the food industry works, how politicians rise to power, all by watching a documentary, which is also known as ‘edutainment’.

There is something to watch for everyone, and bound to be something relevant to your profession or interests. There’s never any harm in learning more!

4 of the Best Digital Products on the Market! 

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These 4 digital products are all fantastic ways to hit the ground running this new year. Be careful though, there is a very fine line between using these products for good, and being sucked into the vortex.

Listen to a podcast. Watch a documentary. Read a biography. Just be mindful and try to avoid watching back-to-back episodes of your favourite rom-com.

There are other ways to further educate yourself. If you feel like learning another language, there are programs such as Rosetta Stone, but that could set you back several hundred dollars.

Don’t be asking for more than one payday loan. eBooks, online courses, music and media streaming are all cheap ways of finding some daily inspiration. All you need to do is look!

*Read more about payday loans here: What Are Payday Loans? Your Guide to Understanding Payday Loans

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