With the house move next year and my impending resignation from work, I have been racking my brains out for a small business I can start with that can help us get by with only one of us working. Of course, I am so sure whatever money we have would not be enough so I might need to get a small business loan. Small Business Lines of Credit are actually something that EZUnsecured.com can offer. They have a very easy process for application, fast approval rate and great customer service.

Share This

Everyone dreams of becoming their own boss someday. I even would want to manage my own business, either a nursing home/laboratory, or a scrapbooking store/graphic school, to feed my creative side. However, the sad truth is that most cannot even start making their dreams come true because they cant seem to come up with the amount they need to launch their business. That is where financing comes in. Most small businesses have challenges with regards to cash flow, which the right financing can easily solve. Small Business Financing is something a budding entrepreneur should study really well. Small Business Loans can really jumpstart or save the business. You can get a Small Business Loan through EZUnsecured.com. Their loans require no collateral, and lenders focus on your Credit History and (if available) Business Financials to make their decisions, and the stronger your Credit History, the less documentation you will need to provide.

Share This

Who doesn’t want to be their own boss? Everybody dreams to have a business of their own, especially moms like me. I need to work to supplement my husband’s income, and I am always hoping to be able to have a business of my own which I can operate at home so I can be with my kids. Stay at home moms wish for the same. They want job opportunities at home so they can help with household expenses and have money of their own. I have been scouring the web for home-based business ideas and the usual ideas were direct selling, bookkeeping, transcription and of course, crafts. If you are good at a particular craft, why not sell your goods? Of course, apart from the business idea, you will need help starting it up, maintaining it and marketing it. Marketing is crucial since you work from home and are limited to advertising other than word of mouth or through the internet. Home Based Business Tips are accessible through www.atouchofbusiness.com. They have loads of articles and information which you will surely need for your business at home. I actually have been reading their tips one day at a time because I really want to sink it all in. It is easy to get overwhelmed with ideas and information!

Home Based Business Guides are also available for you to refer to. I actually like the Business Start Up Guide for Small and Home Based Business article as it has served as my checklist and gauge whether I am ready for this or not. If you already operate a business from home, maybe you can benefit from the Business Trouble Shooting Guide article they have as well.

If you would like help how to market your business and don’t know where to go or start because of a limited budget, refer to the site’s Small Business Marketing Tips. Their tips are actually very reasonable and doable. Sentences are concise, well-written and very easy to understand. I would refer to this web site all the time especially since I plan to stop working next year already.

Share This

The trend these days is online banking. Well, actually, everything can be done online already. Even applying for a loan! Payday Loans can actually be done online. You can apply on site and fill up a one-page form. Once approved (and it usually gets processed faster), it will then deposit the money to the bank you have specified. Payment of the loan will now be credited through the bank account you gave on dates you previously agreed to. Salary Advance loans are becoming popular these days as times are getting harder and people live from paycheck to paycheck. Usually, these are used for extreme cases of emergency as well. I would prefer getting a loan than selling my stuff or pawning my jewelry for example. Payday Loans are short-term loans, usually given in small amount range. If you are in the UK, they even have a site specifically for this. You apply online and they will match you with a lender that is best for your application. Think of it as getting a cash advance. Cash Advance from a payday loan is better than securing one from your credit card bank. You will be charged a higher interest rate and processing fee – usually 10% of the minimum.

Share This

Why am I always talking about them? Payday Loans are actually cash advance loans you can apply for. This is actually a short term loan with amounts ranging from $100 up to $1,500. I just love the fact that it can be a great advantage and a huge help for people who deal with emergencies a few days before pay day or when they are really strapped for cash. It is not really nice that you need to sell off things to get cash (I do not see the point) so applying for these types of loans is the better route, definitely. Most of all, I cannot believe how easy it is to apply online! You don’t need to scout for banks that can loan you the amount, you don’t have to stand and wait in line, you don’t even have to fill up any forms! You just go online and apply! Faxless Payday Loans are a hit among employees not only because of its convenience, but because of its easy processing and approval and the fact that you can apply for it anonymously. Once you apply online and get approved, the loan amount will be deposited on the bank account you have specified and then payment begins by crediting the same bank account on specific dates you have agreed to. And yes, no faxing of documents also. No Fax Payday Loans are surely the way to go.

Share This

Beware of small expenses.
A small leak can sink a great ship.

I have read this somewhere and it struck a chord in me. Times are really hard right now and even the littlest amount I can save will be a big help when pulled together.

And yes, money matters stink.

Share This

When I get to have a home of my own, one of the things I would consider is to get mortgage life insurance. It would pay off my home mortgage if I were to die unexpectedly. I would be sure to get my dream home, and I want to make sure, that if I die young or unexpectedly, the roof on my kids’ heads are guaranteed to be theirs forever. It will really give me peace of mind knowing they, at least, have a house they wont worry of mortgages to pay off.

Share This

Such a bad combination, isnt it?

I believe this post is going to be like that, a mish mosh of things I want to say and things have happened the past weekend.

Health wise:

Im still sick. It’s manageable during the day, but it becomes a nightmare at night. I literally become a whooping barking dog every 30 seconds. It’s really dry cough – and I know drinking lots and lots of liquids will help. I think we need to replace the bed mattress though – I notice I only get wheezes when I lay down at night.

The kids are OK. Mom tells me the kids are eating every hour and having fun, despite the TV being broken a day after they arrived. There are a lot of greens, bugs and open spaces to keep them occupied. Matthew, TV freak that he is, didnt even want to go home.

The Weekend:

I had to work on Saturday so Sunday, I went to Amadeo to visit the kids and bring some groceries (turns out Mom bought groceries for them as well). Mom cooked for us – baked macaroni, inihaw na isda, liempo – yum, yum – and I slept. LOL. It feels good to sleep on a naturally cool and breezy environment, I tell you. The kids are looking good! Matthew’s puffy eyes are gone (due to rhinitis and allergies) and Martha is a wee bit taba, still a long way to go, but her milk appetite is back (I might add Pediasure to her milk diet on top of Gain Plus though. I read in the N@W group that it helps babies gain weight, not that she is underweight, I just want her back to her old chubba siksik self). I bought the SLR but did not take pictures because I got a massage..woot..and get this, for only 200 bucks. Woot some more, LOL. It felt.so.good. Im going to do it again this week when we go back plus a foot scrub. We had a great time with the grandparents.

AND, they have found an apartment – a gated, 2 story-level, with garage apartment. The apartment has two small rooms, nice spacious living room and dining room, cooking area at the back of the house (I really want this so my house doesnt smell like cooked food all the time), and a garage for the kids to play. There are cable, phone and internet lines available. And the rent is only 2,500 pesos. Not bad. But we were aiming for a house to rent. We will be looking at it this weekend. If we like it, we will get it so that we can slowly make the place livable come our transfer by Feb or March next year. Im actually pretty excited because we are making progress . Im actually planning what major furnitures we need (or ask for) and making mental notes on how to save for all of these. I just hope my blogging job stays strong (more on that later) and Edil gets regularized at work.

Money Matters:
Remember the money diet challenge I posted for you guys last week? Well, I kept all my expensed listed and I was ashamed of myself, LOL.
Read more… »

Share This