Finding the Loan You Need Has Never Been Easier

Are you on the hunt for a personal loan, but you don’t know where to start? Well, then LoanFinder can help.

With LoanFinder, you are able to apply for a personal loan of up to R150 000 and the application process is easy and hassle free.

loan finder

So what does LoanFinder do? LoanFinder offers a free loan finding service, so with one application, they are able to get you the best personal loan offers based on your information. You then have the freedom to compare and choose the best loan for you. LoanFinder only works with reputable and credible lenders, so you will be getting the best.

Not only can LoanFinder find the loan you need they also offer additional services. They have a 4 in 1 plan, which consists of the free loan finding service, legal and ID assist, full credit report and financial wellness plans and advice. This will cost you a once of fee of R395 and R88 per month. This is optional though and the loan finding service is offered by LoanFinder upfront and for free.

So if you are searching for the perfect loan, then LoanFinder is the one for you.

Saving Money and Reaching Your Financial Goals

If you have decided it’s time to reach those financial goals, then you need to know how you can save money. The quicker you are able to save, the faster you will reach your goals. It doesn’t have to be difficult in order for you to save, you just need to look at your everyday expenses and see where you can make cut backs. Take a look at these easy money saving hacks.

Switch to Cash

Swiping cards to pay for items is easy, but the problem with this is that we are not aware of how much we are really spending, because it’s not physical cash. It is a good idea to make the switch to cash because you become more aware of what you are spending and you can avoid overspending and impulse buys because you are only able to spend what you have.

save money

This strategy will only work if you avoid using your bank cards, so it might be an idea to leave your cards at home when you go shopping.

Avoid Convenience Shops

So, convenience shops are convenient, but you pay a premium for this. Everyday items are more expensive in these types of shops compared to your general supermarket. You should try and avoid these stores as you will be able to save money on everyday items.

Stop Paying Interest

Interest adds up over time and if you can, you need to see how you can pay less interest or none at all. If your aim is to get out of debt, then you can try to reduce the amount that you pay in interest by calling your creditors to see if they can offer you a lower rate.

Another idea would be to transfer the balance to an interest free credit card, which will help you to save whilst you are paying off debt.

You will see on your statement how much of your monthly payment is going towards interest, so if you are only paying the minimum then it could take you years to pay off your debt.

Meals in Advance

Many of us resort to takeaway because we just can’t be bothered to cook at the end of the day. However, this can add up to quite a hefty sum, so to beat it, you can look at preparing your meals for a week in a day. You can cook and freeze your meals, so you just need to heat them up when you get home.

This is also true for your lunches. You can prepare them on a Sunday, which will then save you time and money.

More simple ways for you to save below…

Time to Learn DIY

Another way that you are able to save money is to take care of any repairs and maintenance yourself. We live in an information age, which means you can easily find videos and instructions on the internet that will take you through the processes of basic jobs that you may need doing, like painting, changing oil in your car or fixing your dryer.

DIY save money

You may find that these jobs are easier than you thought and the savings can quickly add up.

What About Used Items

You have the option of buying used instead of new. This doesn’t apply to everything, but you can buy a used item to keep you going until you have managed to save up to buy the new model you want.

There are a number of websites that make it easy for you to find used items and you can also look at second-hand stores and garage sales.

If you look out for deals, you might be pleasantly surprised at how much you can save.

Wait for Price Drops

If you are one of those people that have to buy something the day, it comes out then you will pay full price. You need to wait, because the price generally does drop. This applies to electronics but also to clothing.

If you love tech toys or love to stay up-to-date with fashion then this can be difficult, but you will spend less.

Let Someone Shop for You

If you are terrible at sticking to a list or constantly have impulse purchases, then you might want to consider having someone do grocery shopping for you.

There are some stores that will shop for you and deliver your goods and others will allow you to pick up your groceries.

This helps to control your spending, because you are more likely to stick to your list as you will not be tempted by all the items on the shelves.

We still have a few more ways for you to save…

Shop the Sales

Groceries can take a good chunk of your budget, but you will find that grocery stores often have products on special. You can save money by shopping these items even if they are a different brand to your usual.

save money

Clothes are another item that you can buy on sale. Retail has stiff competition, which means that many stores compete with one another by having various sales throughout the year, so you can pick up a bargain if you are looking for something. However, you need to make sure that you don’t end up spending more and buying more just because the stuff is on sale. If you only need a coat for instance, then only buy a coat.

Online stores also have plenty of sales and discount codes that you are able to take advantage of.

Save on Insurance

Insurance is a necessity, but it can be expensive. You should regularly shop around for a better car or home insurance rate as you might be able to save money on your premiums by switching providers.

If you are not able to find a better rate, then perhaps speak to your provider and find out if there are any discounts available like a good driver discount.

Cheap Entertainment

There is no need to spend a lot of money in order to have fun. For instance, renting a movie is cheaper than going to the cinema, taking books from the library is cheaper than buying books, having a picnic is cheaper than going out to eat and so on. Make it a challenge to have fun for less and see what you find.

There is a number of simple and easy ways for you to save money, which will help you to reach your financial goals. Even if the savings seem small they can add up to larger savings in the long run.