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Planning A Vacation? Read This First & Save On Flights

April 16, 2018
, Budgeting, Emergency Loans 1

Planning a family holiday on a budget? Before you do, take a look at the below blog post for some helpful hints on how to squeeze every penny.

We can’t always afford holidays, but we certainly need the relaxation. Whether you are trying to fly locally or abroad, there’s a bunch of clever ways you can get the best for your buck while budgeting for travel.

This will keep more money in your pocket to spend while on holiday!

 

Finding a cheap flight is easier than ever before. You don’t have to be a seasoned traveler, or have an inside track. Just use these tips to determine when flights are the cheapest, so you’ll have more money for food and fun.

 

Fly Unpopular Days & Times

Avoid crowded airports, and overpriced airfare, by flying at off-peak times. Wednesday and Saturday are usually the slowest days of the week, while early morning, meal times and late night, are the slowest times of the day to fly. Since planes are difficult to fill during these times, you can usually find plenty of cheap seats. The airlines would rather offer them up at a discount than have them go empty, and that’s great news, if you can be flexible with your travel plans.

 

Watch Social Media For Fare Blasts

Sometimes airlines do fare blasts on Facebook and Twitter when they have a limited number of seats to unload. These tickets often sell out in hours, or sometimes even minutes, but if you’re paying attention, you can grab an unbelievable deal.

Follow all the major airlines in your area and in any area that you plan to visit soon, so you’ll be among the first to know, when they run a flash sale.

 

Set an Alarm for Tuesday at 3pm

Airlines look to see how many seats they have available at the beginning of the week; then, decide which seats need to be discounted further. As a result, cheaper fares start to appear Monday. But if you want to get the best deal possible, wait until Tuesday at 3 p.m. to book your fare. By then, all the airlines have adjusted their prices to match their competitor’s new prices.

This isn’t the only time you’ll find a good deal on airfare, but from a historical standpoint, it’s the most reliable.

 

Book Early or Late

Airlines usually offer a small number of discount seats early on. Then, make more available later, when they don’t sell out. This means, there are excellent deals to be had for both early birds and procrastinators.

Farecompare.com recommends shopping for flights as far out as 3 to 3 and a half months before your trip and as close in as three to four weeks. For flights to Europe, this window stretches to 5 to 5 and a half months and as few as 30 days before your trip.

 

Search Incognito

If an airline knows you’re interested in booking a particular flight, they may show you a slightly higher fare every time you check prices, to make you feel like you need to book right now. Don’t let them fool you with this artificial inflation. Start all of your trip searches in an incognito browser window (i.e. private browser), so they can’t use your search history against you.

 

Trust the Experts

Price comparison sites, like Kayak and Google Flights do a lot more than compare one airline’s prices to another’s; they also compare current prices to historical data to determine, if you should buy now, wait a bit or consider tweaking your plans by a day or two to save more. You can even set up price alerts, so you receive a notification when prices drop, rather than having to continually check back. Much less stalker-ish and way more effective.

 

Travel Off-Season

Most tourist destinations have a peak season and an off-peak season. Plan your trip during an off time, and you’ll save on everything from airfare to hotel accommodations. Farecompare.com lists these as some of the cheapest times to fly.

 

Planning A Vacation? Read This First & Save On Flights

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Buy Direct

While shopping through price comparison sites, like Skyscanner will usually help you track down the cheapest airfare, that isn’t always the case. That’s because some airlines don’t allow their ticket prices to appear on comparison sites, and may even host private sales on their website, that you can only take advantage of, if you go through them. So, before you pull the trigger on any deal, be sure to check the prices on the airline’s website first.

Save Even More: Pair your cheap airfare with one of these free vacation ideas.

Finding a cheap flight is easier than ever before. You don’t have to be a seasoned traveler, or have an inside track. Just use these tips to determine when flights are the cheapest, so you’ll have more money for food and fun.

 

See original source article here.

 

If you are experiencing financial difficulty, you may be able to apply for a loan through Cigno. We offer emergency cash loans.

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

Man asking for help his car is broken down

4 Financial Issues That Can Throw Your Budget Out Of Whack

April 6, 2018
, , , , Emergency Loans

Do you want the secret to staying out of debt? It’s all about budgeting. You need to make sure that you are constantly keeping control of your spending and that you have a check on how much money you have for various different purchases and bills. Unfortunately, this is easier said than done because there are a number of problems that can throw your budget off completely. Let’s look at a few of the issues and some of the best ways to deal with them.

As you’re closing one year and resolving to make the next one even better – in whatever way you have in mind – remember that your financial plan has to be ready for the new year, too. You need to go over what you did with your money in 2017 and consider what expenses you’ll face in 2018. In short, you need a budget.

“While [budgeting’s] not necessarily anyone’s favourite part of the financial planning process, it’s a really important part because that’s where you can uncover opportunities or problems,” says Chantel Bonneau, a financial advisor with Northwestern Mutual. “And it really gives us the data to take action from there.”

 

High Energy Bills

If you own your property, you have probably at some point worried about how much your electric, gas or water usage is costing you. These days, with smart meters, it’s impossible not to keep a check on your energy usage. But that doesn’t mean that an unexpectedly high bill could catch you by surprise. In the winter months, when we use the heating more and stay inside regularly, it’s easy to use far more than the typical amount. Then, when the bill comes in it can be a nasty shock. To deal with this, it’s important that you keep your home as green as possible. Switch out any tech that is costing you a fortune.

 

Car Trouble

Cars can cost drivers a fortune, and we are of course talking about accidents and crashes. If you are responsible for a car accident, you might need to pay damages to any other driver involved in the collision. If there were no other drivers, you might still need to pay for the costs to repair a car. You might think that you can just leave the car damaged. But this won’t be a possibility if you need your car for the commute into work or to drive the kids to school. It’s worth making sure that you do have an excellent insurance coverage. This will guarantee that you do not end up in the situation where car trouble is costing you a fortune.

 

Home Repairs

Another issue that can take your finances through the ringer is a home repair. Renters won’t need to deal with this, but homeowners may one day find themselves facing an expensive home fix such as a broken boiler. This is why you need a rainy day fund. Save a little each month, and you should have enough to stay afloat even when you are hit with a heavy cost like this.

 

Redundancy

Finally, you may find that at some point you experience redundancy. Redundancy can occur without any warning, and you need to be prepared. You should always be keeping one ear to the ground, making sure you know of the job opportunities that could replace a lost income. As well as this, you need to have a plan in place to survive the average six months it usually takes people to find work.

4 Financial Issues That Can Throw Your Budget Out Of Whack

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We hope this helps you deal with some of the financial issues that can throw your careful budgeting off completely and allow you to keep control.

 

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

To apply, simply complete our quick and easy online application and send us a bank statement. If you prefer to 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.

Short-term cash advance solutions to get to your next payday? Receive up to $1000 in your account today with manageable repayment options, contact us: https://staging8.cignoloans.com.au/how-it-works/

Read the original source article: here

 

Man with a rope tug a war with money a dollar sign

Saving Up – It’s Hard To Do On A Low Income

March 19, 2018
, , , Budgeting

When you’re in your 20s, you will most likely be on a limited income. You may even be struggling on a minimum wage. That’s a problem because according to experts, you should be saving up to 20 percent of your income each month. This means experts recommend that a significant portion of your income is stored away for the future. Unfortunately, for many people, this just doesn’t seem realistic. With the bills, the unexpected costs and the little things we need, there never seems to be a lot left at the end of the month. How should you deal with this?

How many times in your 20s did you find yourself on your last $50 scraping the barrel till payday? Looking back, you probably spent a lot on things you didn’t really need, like monthly bedroom design updates.

These habits are simply unsustainable. Now that you’re getting older, wiser and more responsible it’s time you built in some good savings habits. Read on for some real tips that take into account the fact you still want to have fun on the weekends.

 

Get A Second Income

You should certainly think about setting up a second income for yourself, especially if you are single. Financial experts tend to agree that without a second income, you will struggle with both spendings and savings each month. We’re not suggesting that you start working both days and nights. Instead, you should be looking for a side hustle. This is something that you can accomplish in your spare time to add a little extra cash. An example of this would be tutoring. If you have any academic skills, then you can easily make a little extra money helping students get passing grades.

If you can afford to survive with your first income, make sure you put all the money accumulated from your side hustle into savings. Don’t fall into the trap of just spending more of the money you make.

 

Build Your Brand

Obviously one of the best ways to deal with a low income is to make sure that it rises in the future. To do this, you need to think about how to obtain a greater position in your career. You can accomplish that by building up your brand online, getting the right attention from potential employers.

Consider setting up your own website. With a website, you will be able to build up a career history and highlight some of your unique skills that will make you a valuable asset. Setting up a website doesn’t need to cost you anything but paying a little extra could ensure that you gain significantly more leads online.

 

Buy Into Budgeting

Finally, you might discover that the reason you’re struggling on a low income is due to the fact that you are simply not budgeting effectively. Here’s how to budget.

  1. First, think about how much you make each month, then subtract all the bills you know about and a 100 or so extra for the ones that could take you by surprise.
  2. Once you have done this, you should then halve the amount left and put that towards savings. Don’t worry if it’s a fairly small amount, every little will help in the grand scheme of things.
  3. The money in the account after this is what you have to spend on little luxuries. It won’t be a lot, and you’ll be tempted to crack into those savings.
  4. That’s why you should treat savings as a tax, a direct debit that leaves your account at the end of each month. That way, you’ll have no choice but to save.

Take this advice, and even on a low income, you should find saving is a lot easier.

Saving Up – It’s Hard To Do On A Low Income

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Thus, you can see simple changes have a direct impact on your budget and savings.

If you are looking for quick loans, a Cigno loan might be right for you.

To apply, simply complete our quick and easy online application and send us a bank statement. Receive up to $1000 in your account with our same day loans offering manageable repayment options. For details, contact us.

Read the original source article: here

 

 

online business laptop home office

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

lamp on a side table in a white bedroom

Decorate Your Home In Style, While On A Budget!

February 28, 2018
Budgeting

Renovating your home can be very expensive, particularly if there are structural issues at play. Sometimes, these renovations need to be set back by weeks, months or years to ensure you have the finances to cover the cost. But when you are in the headspace of renovating, all you really want to do is get stuck in!

So, what to do if you can’t perform those much needed landscaping duties? Taking out walls and adding a new bedroom, bathroom, or entire floor? Why not focus on the surface? Renovating your interior decor is easy, and it doesn’t have to be expensive! It’s always nice to make a change, and decorating your home is the easiest way to do that. Below you will find a great list of ways to begin your home makeover on a budget!

If you are trying to save money and spend less, doing up a room might seem low on your list of priorities. But there’s good news. You can do it anyway. You can makeover a room for a song these days, if you are super clever about it. Read on to find out how.

Love Paint

Paint isn’t too expensive, so it’s a good place to start on your budget makeover. Of course, doing something as simple as changing the colour of the walls can make a huge difference to the look and feel of any room.

To get a light and airy room, go for light and white paint tones. Or to create a cosy paradise go for warmer earthy shades. At the moment gunmetal grey is bang on trend too, and don’t be afraid of making a feature out of it by painting furniture and fireplaces in the same colour, for an ultra modern effect.

Work with light

However, if it’s too much hassle or money to repaint the entire room, then you may want to consider painting with light instead. This is when you use the natural and artificial light that you have in a room to create a different mood.

For example, it is surprising, the effect, removing a pair of heavy curtains can have. Especially if you install a blind like the ones available from Carpet Court instead. This can make a smaller room look bigger, and opens up the wall space to allow more light in.

Consider smart lights to create certain scenes in your room. You can change the look and feel of a room with the touch of a button. All this – without the hassle and cost of any redecorating!

Change the soft furnishings

Another excellent tip for redecorating on a budget is to change the soft furnishings in a room. This can have a huge effect on the way the room looks, without having to replace anything of too-high value.

Keep your carpets, sofa, as well as your furniture. Just get new cushions, bedspreads, and pillows.

Pick a colour or pattern that goes well with the original colour scheme. But try and make it different enough so that it feels changed from how you had the room before.

Bold geometric patterns are the best way of doing this, because they make such an impact. Everyone will notice a big improvement.

Decorate Your Home In Style, While On A Budget!

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Clean It

Finally, if your home is crying out for a makeover, but you just don’t have the budget for it, try deep cleaning rooms instead. While this isn’t as much fun as going to the store and picking out new cushions and throws, you’ll enjoy this cleanse.

This makes an amazing difference to how a room looks. Pull out all the furniture and clean underneath. Pack away all clutter and get a nice air freshener too. You may be surprised at how much you actually do like this room when it’s clean. So maybe you don’t need that makeover as urgently as you thought.

Decorating is not only fun, but can be a great way to breathe life into your living space to create a sense of positive change. Remember that furnishing a new or existing place can be done on a budget. But, if you do need a quick loan, get in touch with Cigno who might be able to offer a solution.

Receive up to $1,000 in your account with our same day loans or Crisis Cash Loans with manageable repayment options. All you need to do to apply is complete our quick and easy online application and then send us your bank statement. For details, contact us.

Read the original source article here.

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Where To Get A Personal Loan Fast?

February 21, 2018
Short Term Loans 21

Where else but Cigno Loans?

Cigno is an industry leader in responsible lending, providing various personal loan products designed to suit the needs of various people. There is no one loan fits all approach.

We offer short-term cash advances of up to $1000. You may be wondering why you need to get a personal loan? The reasons differ from person to person. Learn some of the most common reasons to request emergency cash.

We are committed to helping the everyday Australian relieve their financial stresses through an easy-to-use, great lending product. Cigno only encourages our customers to borrow in time of need, when repayment is possible and affordable.

Read more about responsible borrowing here.

At Cigno, we consider every loan application and don’t ask ridiculous personal questions. It doesn’t matter if you receive Centrelink benefits or have a six figure salary, every person deserves the same level of respect.

Easy application

Time and time again, our customers praise our unique and easy application process. It is an online form, plain and simple. Fill the form out, attach a bank statement, click submit, then one of our customer service specialists will be in touch.

No face-to-face meetings. No complex application that drags out over the course of weeks. When you need a personal loan fast, you need Cigno. We are here to help you through times of financial difficulty.

Fast approval

Been approved? Excellent. Expect to be notified of your approval status within hours of application submission. If you see an email in your inbox with a thumbs up, you will see loan and service agreements attached. Tick. Signature. Send.

Sound too good to be true?

Receive cash

Once you have checked your inbox and sent the signed agreements back to Cigno, check your bank account! Funds will generally appear in your balance in a matter of hours. Same day loans! How is the convenience? Particularly if your financial situation is looking dire.

Be sure to get your personal loan application signed, sealed and sent by close of business. Any emergency cash requests received after 5pm will arrive in your hands the next day, not the same.

Loan calculator

Our commitment to customer experience meant innovation through the development of a loan calculator. Originally, this part of the personal loan application was reserved for the face-to-face meeting. No more time wasting!

The Cigno loan calculator lets you know in seconds whether a same day loan is right for you. Check it out here.

Why do you need financial assistance? 

The reasons differ greatly, but a common one we find is the need for venture capital. Are you starting a small business? Are you a stay-at-home parent planning on bringing in some extra income day to day?

Cigno offers short-term personal loans to budding business men and women.

There are some things you need to know prior to application though. Have a read of this great article: 5 things to do before you apply for a small business loan

Our products have helped now-successful businesses get off the ground. The borrowed money may help finance a new computer for graphic design work; marketing collateral to disseminate through the local neighbourhood; or even digital marketing money like domain purchase, website hosting and Google AdWords credit.

Whatever the reason, Cigno Loans is here to help like we have always done. Australians in every state and territory trust us when it comes to providing financial aid.  If you have bad credit, consider a personal loan for bad credit

Where To Get A Personal Loan Fast?

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If you are ready to take your business to the next level, or simply need a financial boost before payday, click through to personal loans to begin your application.

You can also read more about personal loans here: 7 Common Reasons For Short Term Cash Advance Loans

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Strange Ways To Save!

February 14, 2018
, , Budgeting

Now that we are well and truly into 2018, what are you doing to keep those coins in your back pocket? Looking to buy a house? A new car? A splurge item? Whatever is on your ‘need’ or ‘want’ list is achievable, you just need to know how. Not purchasing the smaller items like coffees is an obvious one. Although it’s only an outlay of a couple dollars every day, by the end of the week, it all adds up! But let’s think in more abstract terms about how to save money. These lesser-known ways to save may get you across the line!

What I find fascinating about personal finance is that there is not a ‘one size fits all’ answer or only one way to achieve a goal, there are different ways that suit different people.  Believe it or not some of the most diverse answers come when we talk about different ways to save money….. so here are some of the most unusual ones I have heard lately.

Cold Hard!
Yep – you read it correctly when I asked one of my classes the other day how they saved money one lady piped up and said “I have cold hard!”…. “er pardon” was my reply.  I certainly hadn’t heard that one before and my mind boggled as to what that could be!  As she went on to explain that she saves her money as soon as she gets paid putting a set amount of cash in a plastic zip lock bag and putting it in her freezer!!!!  Between the meat and the peas apparently!!!!  She also went on to explain that putting the money into her freezer means that she won’t touch it, whereas if it is in a bank account she will.  She has used this strategy to save for a solar hot water system and is currently saving for a cruise!!!  Obviously this one is not great if you get robbed and the robbers are hungry!!!  But still, I was impressed with her ingenuity!

Coke bottle anyone?
Apparently an empty 600ml bottle of Coke can hold close to $800 worth of coins, according to one guy from my class.  It is often touted on the internet to be $1,000 but my participants claim that is not true and it is more like $800 (what?! something on the internet that is not true!!!).  Being a closet Coke drinker I am keen to give this one a go myself.  I think it is a great way to save for Christmas!!!

Strange Ways To Save!

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Don’t claim the tax free threshold
When you get a job, you fill in a form which asks whether you want to claim the tax free threshold.  Australian residents for tax purposes are entitled to an $18,200 tax free threshold  If you select ‘no’ on the ATO form and don’t claim the tax free threshold, you are taxed on that first $18,200. It means you are paying tax on a sum of money, at your regular tax rate, even though you don’t need to.  As a result you will overpay tax and get a tax refund at the end of the financial year.

Over-pay your rent
This is another popular one especially to pay for Christmas.  Often paying more on your rent means you can have a month off at the end of the year to pay for Christmas.

Saving is a really individual thing, but when you get something that works for you – stick with it.

What is your unusual saving tip?

As you know, and as you have read by now, saving money is a worthwhile investment in time and discipline. However, if you need quick loans, Cigno might be able to assist.

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

Read the original source article here.

Man reading book on Kindle

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

planning travels on world map

Places to Put On Your Travel Bucket List for 2018!

January 29, 2018
Payday Loans

Now that we are firmly into the new year, where are you planning on going to escape? Everyone needs a holiday, and if you are like a large percentage of Australians, you like to travel overseas.

Whatever it is you enjoy—relaxing, adventure, hot or cold climates—there is something on this list for everyone. Save up your payday and loan your pets to a friend while you explore some of the most exotic and interesting places our world has to offer.

Australia is in the perfect spot, situated in close proximity to South East Asia, a great, and affordable getaway option. Learn more about funding spontaneous travel here.

The adventure seekers often frequent our northern neighbour, Indonesia, to experience the best waves in the southern hemisphere, as well as a myriad of active volcanoes. But maybe you are thinking of travelling a little further. Is Iceland on your list? It should be, and you are about to find out why.

Iceland

You have no doubt seen, or at the very least, heard about the Northern Lights—those optical illusions of green streaking through the Icelandic sky. It is a photographer’s heaven. Snow-capped mountains and glaciers pour into the surrounding ocean.

And if snow isn’t your idea of fun, try visiting Iceland in the summer time. It will still be colder than Australia. (If it is unseasonably cold, someone can loan you a jacket until payday if you are desperate!) Plenty of waterfalls, lush green valleys and hills court the darkest of volcanic sands.

The landscape in Iceland is like no other! But the landscape isn’t the only source of richness, with the culture of downtown Reykjavik being equally moving.

Cuba

Cuba wasn’t always a travel option due to the embargo with the United States of America making getting there quite difficult, and virtually impossible for Americans.

But since the embargo was lifted, travellers far and wide have been filtering through the customs gates to experience the colourful heritage of the country and its capital, Havana.

Australians will still find it rather expensive to get to, but rest assured, it is well worth it. You will be feeling a million dollars in Old Havana where things really come to life.

Find a rental dealership that loans vintage cars to Australian tourists, all for a fraction of your payday income! Enjoy the salsa dancing, mojitos and more!

India

More and more airline services are providing flights from Australia to India, particularly Scoot. The once British subcontinent is swarming with different cultural experiences, different religious beliefs, and perhaps most importantly, different food groups.

India is the queen of curry, and the tastes and flavours differ from state to state, and even from city to city. Being a third world country, India is relatively cheap to travel. Food, accommodation and bus and train travel, depending on how long you travel for and how you spend your money, could more often than not be covered by a couple of paydays.

Or you can loan the position of tour organiser to a professional who seeks the best deals! See if you can find a tour that includes flights to and from Australia. Find out more here.

Antarctica

Okay, this one is for those brave souls that really don’t mind the cold. When you think of Antarctica, you probably think of polar bears and desolate snow, as well as the payday loans you would need to get there.

But, for Australians, or anyone, it really isn’t that hard to get to. From the deep south of Argentina in South America, there are cruise ships that take you to the South Pole in style. Watch the frigid waters become ice from the window of your cabin.

Most service providers, such as the Antarctica Expedition Cruise, offer all-inclusive packages. Everything is paid for which alleviates a lot of travel stress! Be sure to pack plenty of cold weather gear.

Places to Put On Your Travel Bucket List for 2018!

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No matter where you plan on going this year, be sure to fully immerse yourself in your host country. Explore new people, explore new cultures and new customs. Most importantly, remember to always treat the citizens of the country you are visiting with respect.

Find out some more great travel destinations worth putting on your bucket list for 2018 here.

*Learn more about payday loans here: When You Shouldn’t Apply for Same Day Payday Loans

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