Your Pounds to Pocket personal loan family, like you, is ready for 2011.  Before we charge into the new year, our Pounds to Pocket personal loan teammates want to remind everyone to “get back to their financial basics.” After a month of giving, and spending, it is very easy to stray from our normal budget.  Here are three “financial reminders” to start 2011 off on the right track.

• Spending Plan – This is not your budget. A spending plan is a rough prediction of where you see your money in 2011, 2012, and (hopefully) 2013. Think of this as a New Years Resolution for your budget.
• Track – As we said, after a month of giving (spending), you may have lost sight of your budget and goals. Use January to get back to your financial basics and track all the money you spend. You will quickly be able to see, once again, where your budget needs some “love.”
• Allowance – Your Pounds to Pocket personal loans family believes in the adult allowance. Withdraw a set amount of money each month, just for you. Having a set amount of money will actually make you less likely to stray from your budget, as you will not be using a credit card.

Your Pounds to Pocket personal loans family wants to know what you are doing to “get back to your financial basics” in 2011.

Photo: Flickr User

Your Pounds to Pocket personal loan family is back from the holiday break and ready to enter the new year.  As we return to our “normal” lives, some of our Pounds to Pocket personal loan teammates received some extra money over the break and have been wondering what to do with it. Holiday bonuses, gifts from relatives, or just that winning lottery ticket, the question of what to do with your new windfall comes up frequently.  Depending on how much money you received, you will be able to follow some, if not all, of the advice below.

• Pay Down Debt – If you have any debt, this should be the very first step taken.  If you have debt with an interest of 13%, think of paying off this debt as actually earning you 13% interest on an investment.  That is 13% you no longer have to worry about.
• Save – Whatever money you have left after paying down your debt should be saved.  Our often talked about Emergency Savings Account maybe a good place to start.  You should have a couple savings areas within your budget in which you can invest your money.  Remember, sometimes it is best to invest in your “Future You.”
• Invest – If you have no debt, and a good savings foundation, invest what you have earned in the market. Put your money to work. Have your new windfall make money while you relax at home.
• Give – If you have all of your financial priorities in line, there are several organizations that can help you spend your windfall for good. Check out your local church, missionary, food bank, or homeless shelter that are fighting for a worthy cause.

Your Pounds to Pocket personal loans family wants to know what you are doing with your “holiday windfall.”  Post in the comments below!

Photo: Flickr User

Your Pounds to Pocket personal loans family has a unique way at looking at personal finance that we take to heart.  It has to do with fantasy versus reality.  Yes, we know that sounds like a movie.  The thought is, you always think the Future You will have more money. Yourself, like the Pounds to Pocket personal loans family, are all positive thinkers, and this reflects on our finances. Sometimes your future life does not live up to the expectations, or it exceeds them.  The bottom line, we cannot predict our future, so you have to act NOW to protect your finances.

• Plan – Set goals for your future. Yes, we know these goals will change, and that is okay.  However, use these goals to create a financial budget for “now.”
• Practice – Remember, Future You is not here yet. This is the time to develop good financial habits.  Create a budget, stick to it, set goals, and stop spending on the important stuff that will get in the way of those goals.
• Avoid – Debt.  No one wants it.  Do not make things tougher on Future You by getting into it.
• Save – Save for retirement and other goals now.  The sooner you start saving, the sooner Future You will have a smile on their face.

Your Pounds to Pocket personal loans family wants to know what you are doing now to help out Future You.

Photo: Flickr User

With the hectic daily schedules that many of us now lead, extended amounts of spare time are usually at a premium. Therefore should you find yourself at the centre of an emergency that requires extra cash to resolve, time to go to your local bank or building society to acquire it is just not possible. We at Pounds to Pocket recognise this problem so offer you a service for obtaining quick cash loans that can be completed from the comfort of your own home.

With the only requirement being an internet connection, obtaining the additional cash that you require couldn’t be easier.  Our application procedure is easy to follow and is in a clear and concise format with any industry related jargon kept very much to a minimum. By turning on the computer, you can complete your application for a quick cash loan and click to send in a matter of minutes.

There is never anything to fax or extra paperwork to be sent off^¶ and we endeavour to have all applications processed within 30 minutes or less^¶ so that you can have access to the funds you need in the shortest possible time frame.

Applying for a loan online from home will increase privacy and maintain a high level of confidentiality in your financial matters. You can rest assured that all personal information and data you provide us with is kept safe and secure thanks to the latest VeriSign security technology.

Through our service here at Pounds to Pocket, you can apply for quick cash loans at a time that is convenient to you. Whether this is day or night, from your own lounge, bedroom or study the extra money that you require can be deposited into your bank account through the click of a mouse.

Your Pounds to Pocket personal loans family, just like you, wants to keep warm this winter while saving some money. As you can probably see from your friends on Facebook or Twitter, this has already been a very cold winter. Our Pounds to Pocket personal loans teammates gathered some great tips from around the office on how to lower your heating bills while still staying comfortable.

• Invest – Your Pounds to Pocket personal loans team has wrote many times in the past that you have to spend money to make money. Investing in insulation and energy efficiency is one of those areas. Please note that major household changes are not cheap, however they can pay you back immediately with a lower heating and cooling bill. Before you consider this an option, check out local and national programs to see if and how much money you may receive in taxes and grants. Also, see if your local energy company will come to your place and perform and energy audit. They will give you a full report on how to save energy and money.
• Bundle – There is no need to be walking around your place in a tee shirt during the winter months. Move the temperature down a couple degrees and wear comfortable clothes around the house. That sweater can be saving you a few pounds in monthly energy expenses.
• Bundle Your Home – Adding layers to your home is an inexpensive and easy way to save money on heating. Extra rugs on your hardwood floor will warm your feet. Also, put up window plastics and insulated curtains to combat drafty windows. If you have not done so, spend a few hours with some draft-sealing putty or caulk around windows and doors.

Your Pounds to Pocket personal loans family wants to know your tips for lowering heating bills, and keep warm, during the winter.

Photo: Flickr User

There are many reasons why people may need to apply for a loan, but whatever the motive, the facility to apply and receive a loan should be readily and easily available. Unfortunately, this is not the case within many loan companies, and borrowers are forced to begin upon a lengthy and gruelling journey to acquire their cash. To counteract this, we at Pounds to Pocket have created a simple and easy method whereby all people are able to quickly apply and receive their unsecured personal loans, and are here to guide you through the process. Although applying for the correct loan may seem like a daunting and confusing procedure, by following our three top tips, you can ensure this runs smoothly.

1.Use an online provider

There are many loan providers out there, but online companies offer a significant advantage over others. Firstly, they allow you to apply without the need to fill in lots of paperwork, which will save a great amount of time and stress. Here at Pounds to Pocket, we provide our service completely online, but with support available from our accommodating team if you need any assistance. This means that you can comfortably apply within your own home, at whatever time is most convenient to you.

2. Check how long it takes to receive your cash

It’s important to check exactly how long it will be until you receive your loan. If you need the money as soon as possible, then look for a loan company who is able to quickly process your application and deposit the funds into your bank account soon after. We are able to provide you with the cash you need within 1 hour your application is approved§, to swiftly give you the essential money you need.

3. Be realistic about making repayments

You need to be sure that you can keep up with the agreed repayments of your loan. We are able to provide new customers with an unsecured personal loan of up to £2,000†, and payments towards this will be required monthly, over the period of a year.

Use these tips when applying for unsecured personal loans, and you’ll be able to enjoy the benefits which an easy loan application presents. For more information on the loans we provide, contact our friendly team today using the live chat option on the left or by calling us at 0800 635 0841.

Your Pounds to Pocket personal loans family feels a little “green” today, as in “going green” for the environment. A lot of people think that helping out the environment is actually more expensive than not. Our Pounds to Pocket personal loans team put our heads together and came up with the five suggestions to save you some money while saving the environment.  Really, it’s that easy.

• No Paper, No Plastic – Some people can go grocery shopping up to several times a week.  Each trip they have to make a choice, paper, or plastic.  However, here is a third option, “reusable.”  For only a couple pounds, you can purchase your own reusable grocery bags. Also, if you have a set amount of bags, you are more likely to stick to your list and not “over buy” your food.
• Library Card – Instead of wasting money, space, and other resources for your entertainment, sign up for your local library.
• Less Electricity – As electricity prices continue to strain our pockets and the environment, cut your monthly intake by starting new energy habits.  Start small by turning off your lights when not in use, upgrading to LED bulbs, unplugging appliances not in use, and turning off televisions, radios, and computers at night.
• Cut Your Water Bill – Much like your new electricity habits, start to lower your monthly water bill.  Take showers instead of baths, fix leaky faucets, and upgrade your washing machine and dryer to more energy efficient standards.
• Go Paperless – Save some trees while saving some time and money.  Get your news, pay bills, and send more emails all online.

Your Pounds to Pocket personal loans family wants to know how “green” you are.

Photo: Flickr User

When you require additional funds, the likelihood is that you will need to have the cash as quickly as possible. An emergency can arise at any point which is why we here at Pounds to Pocket are on hand day and night to provide you with much needed unsecured personal loans. The latest service we can offer to our valued customers is to have the money you require sent to your bank account within one hour from approval, once your application is approved between 3:00 and 22:00 on working days.

We are proud of the fact that 98% of our customers will qualify for this service. The further 2% are only likely to miss out due to the fact that their particular bank does not participate in the ‘Faster Payments’ scheme. This 2% need not worry though, as you can still take full advantage of our same-day funding option.

Pounds to Pocket is one of the first to provide free 1 hour funding, and we pride ourselves in the speed and convenience we bring to our customers. On completing our easy to follow online application form in a matter of minutes, we strive to process and have all applications approved in the space of 30 minutes or less¶ so you can then have the funds sent to your bank account within one hour.

The service we offer here at Pounds to Pocket is the easiest and most straightforward method of acquiring the extra cash that you may need to resolve whatever financial situation you find yourself in. The fact that one hour funding is available between the hours of 3:00 and 22:00 means that you can apply for a loan before or after work, therefore removing associated stress and worry that may hamper you throughout the day.

With one hour funding, we at Pounds to Pocket can see you having the money required from our unsecured personal loans quickly so that you can resolve any emergency on the very same day without causing extensive disruption to your daily routine.

Your Pounds to Pocket personal loans family has been struggling with a problem that many of you probably deal with.  What happens when your personal finance savings and budget begins to feel like a chore?  This feeling happens to almost everyone.  You have a solid budget and growing savings account. However, you are starting to get bored with your money, and this feeling can cause you to lose focus.  Your Pounds to Pocket personals loan family has a couple suggestions to get you out of Personal Finance Boredom.

• Set Goals – What are you passionate about? Travel? Education? Set savings goals that will make you focus the next time you want to stray from your budget.
• More Income – It is easy to get comfortable in a “savings rut” and still try to squeeze more money out of your budget.  At some point, you can only cut your expenses so far.  The next logical option is to increase your income.  Sell your old clothes, go back to school, or look for more work.  There are ways to boost your income if you try hard enough.
• Balance – If you put too much stress on saving while neglecting your personal life, personal finance can become a burden. Like setting goals discussed above, remember to treat yourself.  Having trouble? Use this simple money formula by dividing up your paycheck: No more than 50% should be spent on Needs (keeping below 35% is the best), at least 20% should be devoted to Saving, and up to 30% spent on Wants.

Your Pounds to Pocket personal loan family would love to hear how you get out of money saving boredom.  We love to post reader responses.

Photo: Flickr User

As it comes to the end of the working month the last thing you want or need is for something to go wrong with your home or car when you are short on cash. At Pounds to Pocket we can help; through completing our quick and easy application from the comfort of your own home, we can supply unsecured personal loans to help those people out of unpredictable emergency situations.

After following our simple steps online, if you have applied early enough in the day we can deposit the cash you require into your bank account on the very same day§. Therefore you can solve your emergency immediately and efficiently and pay back your loan in affordable monthly instalments or pay early without incurring any pre-payment penalties.

At Pounds to Pocket we want to make it as easy and hassle free as possible for you to acquire a cash loan. We are a fully licensed lender in the United Kingdom so you can rest assured you will be getting a reliable, fair and honest lending service from our team.

No matter what your financial situation is and what you need the cash for; we will devise a payment plan suitable for you so you can get your cash loan quickly and with your simple monthly payment schedule we can also help to improve your credit score.

If you are in desperate need of that bit of extra money to help you, then at Pounds to Pocket we are dedicated to delivering a professional service to you. For more information on how our quick and easy unsecured personal loans can help you, please feel free to get in touch via our online contact form or apply online now.