It’s tough to pay off large purchases outright, or try and cover one bill all at once. Sometimes it helps to spread the payments over a longer period of time, instead of struggling to pay a lump sum. Here at Pounds to Pocket, we can provide an intelligent and helpful solution by offering cash loans to those in need of a little financial boost. By giving people the option to make small and manageable payments, we are able to act as a valuable source of financial help and advice when you need it the most.

We understand the importance of effective budgeting, and to enable all of our customers to take advantage of the benefits of budgeting, we have devised an excellent online account system which allows all borrowers to see their repayment details. We provide all of the essential information you need regarding your loan, in a simple and clear payment schedule, allowing you to adjust your finances as necessary to account for your payments.

By easily being able to see all of your payment made and instalments left, you’ll be able to enjoy having a manageable and easy plan to organise your finances, allowing you to comfortably pay off those unexpected large bills.

Your online personal account is available to you 24 hours a day, 7 days a week, enabling you to easily log on and review your situation, whenever is most convenient to you. If you find yourself in a situation where you are able to pay off your loan early, then we allow you to do this without being charged to do so. For ultimate convenience, you will also be able to apply for a further loan within just seconds, as we keep your details securely stored within your online account.

Let us help you to create an organised and financially stable plan, for effective and successful budgeting as we enter into 2011. For more information on our cash loans and online personalised accounts, get in touch with our helpful team of experts today, for professional help with loans and further advice on budgeting.

Your Pounds to Pocket personal loan family loves to help our customers out with payday loans in a pinch and giving personal finance advice. Today, our Pounds to Pocket personal loan teammates wanted to revisit the basics of our advice. We love giving you tips on how to spread your money over entertainment and food, but personal savings can only go as far as your income.

[Cash Flow] = [What You Earn] – [What You Spend]

If you spend more than you earn, you have a negative cash flow, and probably no savings. You’re digging yourself into a deeper hole each day.

If you spend less than you earn, you have a positive cash flow and have the ability to save each day.

Personal finance is really that easy. Your income is important because when you look at your cash flow (positive or negative), you can only reduce expenses so much. You can cut all the “fat” from your budget, but in the end, increasing your income is your single greatest savings tool. Your income is the gateway to financial health.

So what have you done to increase your income, or plan to? Your Pounds to Pocket personal loan family wants to know.

Photo: Flickr User

Your Pounds to Pocket personal loan team loves to do things on the cheap. Actually, it is more of a competition around the Pounds to Pocket personal loan office to find the latest deals for entertainment.  Check out some of our tips on how to get full entertainment for a fraction of the price.

• Become a Member – Museums, restaurants, and theaters usually have membership deals that can offer exclusive money saving discounts and events.
• Rush Tickets – Are you flexible with last minute plans? Pay attention to theaters, restaurants, and travel discounts.  Most of the time your window to make a decision is small, but could be worth it to your wallet.
• Social Buying – Sign up for websites such as Groupon that offer daily deals at reduced costs.  Each day your inbox will be treated to a new money saving experience.

So how do you get full entertainment for a faction of the price? Your Pounds to Pocket personal loan family wants to know.

Photo: Flickr User

Your Pounds to Pocket personal loans team has been talking a lot about personality lately. Spending Personality. A Spending Personality identifies who you are as a consumer. As much as your Pounds to Pocket personal loans team loves to talk about budgets and saving, knowing who you are as a consumer and a spender is just as important.

• Are you frugal of extravagant?
• Do you shop when you are emotional?
• Do you clip coupons or look for deals online?

The goal of finding your Spending Personality is to find out how much money you can reasonably spend each day you walk out the door. Learning about your spending habits can lead to more savings. Take a look at your budget and answer these questions to start.

• “What and where do I like to spend money?”
• “Where are the weak spots in my budget?”
• “What are my strengths as a shopper?”

You will find that your Spending Personality can change over time. Use your new Spending Personality to identify budgeting flaws. The more you know about how you spend, the more you know how to save.

What is your Spending Personality, and are you going to make any changes? Your Pounds to Pocket personal loan family wants to know.

Photo: Flickr User

It’s perfectly normal for borrowers to have a number of questions when taking out a loan. As each lender offers different terms and conditions , it’s important to make sure that you have all of your uncertainties addressed before entering into an agreement. To ensure that you are completely happy with the process, we at Pounds are Pocket are here to answer any of your burning questions about unsecured loans.

What are unsecured loans?

Here at Pounds to Pocket, we offer personal loans, which are a type of unsecured loans. These types of loans do not require the borrower to place any form of security (such as their house) against the loan, meaning that you simply enter into a signed agreement with a lender. This is beneficial for people looking to borrow smaller amounts of money.

How much money can I get?

Personal loans typically range from £400 to £1,500. We offer loans up to £2,000† for new customers.

How long do I have to pay back my loan?

The loan is paid back over a 12 month period in equal monthly instalments. Your payment will be automatically deducted from your account on your payday, enabling you to effectively budget for each month’s payment.

How do I apply?

You can easily apply on our website through the online application form. Simply complete each field with the relative information, and once all filled in, your application will be submitted to our finance team for review. There’s no need to send any extra paperwork to us¶, as all we need are the bank account and employment and income details which we ask for during the online application process.

When will I know if my application has been approved?

Loans are typically approved in 30 minutes or less during the daytime¶, and you’ll receive a notification email once this has been done.

When will I receive my loan?

If your application is approved between 3:00am and 22:00, we will send the funds to your bank account on the same day within 1 hour, at no additional cost§.

If you still have any further questions in regards to unsecured loans from Pounds to Pocket, simply contact one of our team and we’ll be able to clarify any other queries.

If you’ve been hit with sudden money troubles, then it is often difficult to know where to turn. Luckily, there are ways for you to receive extra money in an emergency, via a quick and convenient process. With Pounds to Pocket, applying for cash loans is easy; within just a few simple steps.

Applying for a loan may sound like a long and tedious process, but with our handy system, you’re able to apply by simply completing the relevant boxes in our online application form. This means that there is no need for you to complete any additional paperwork, or fax or send additional documents over. Everything can be easily completed over the internet, for your convenience.

Our online loan service consists of three easy and simple steps;

1. Apply

Our registration takes just minutes to complete, saving you time to do other important tasks. You’ll be prompted to enter all of the relevant information, beginning with your personal information to register. You’ll then be asked to fill in a few other boxes regarding other details which we’ll need to process your application.

2. Approved

If you complete your application successfully with the accurate information, you will generally know if you are approved within 30 minutes of application.^¶ This will enable you to begin making plans to budget for the necessary repayment schedule, which we will also help you with. If you have questions about your approval process, you can always contact our customer service team at 0800 635 0841, which is open until 22:30 on weekdays and 17:30 on Saturdays.

3. Funded

Once your application has been approved, you can have the funds sent to your bank account on the very same day within 1 hour^§ at no additional cost, giving you the peace of mind that your emergency costs will be covered.

Applying for a cash loan has never been easier. With our 5 minute application process, you’ll be able to sit back, relax and wait for notification of whether your loan has been approved.

For the smoothest and most pleasant loan service, use Pounds to Pocket to apply for cash loans and take advantage of our fantastic online system. For more advice on the application process, or to find out more, contact a member of our helpful team today.

Your Pounds to Pocket personal loan family loves a few things in the world, saving you money, payday loans, and eating.  We are not going to lie to our readers. Over the years, our Pounds to Pocket personal loan teammates have compiled some tips for cutting your food spending while saving your taste buds.

• Seasonal Shopping – Prices for in-season produce are substantially lower because they are more available and usually available locally.  Plus, there is no reason to by out-of-season food to pay more and taste less!
• Be Creative – Everyone loves to go out to eat every once in a while.  When you go out, use coupons and explore happy hour deals to cut your bill up to 50%.  Also, splitting a meal can always add extra value.
• Leftovers – Instead of throwing uneaten food out, reinvent them for tomorrow’s lunch or dinner.  However you look at it, leftovers are at least one less meal you have to worry about.

So how do you cut your food spending while saving your taste buds?  Your Pounds to Pocket personal loan family wants to know.

Photo: Flickr User

Your Pounds to Pocket personal loans family received a lot of feedback about “Pounds to Pocket and Your New Year Budget” last week.  It is great to hear from so many readers that agreed with our post, while sending us some “financial resolutions” for 2011.  Our Pounds to Pocket personal loan teammates had to share, and agree, with your two most popular comments.

• Eliminate Debt – Debt can keep anyone from doing what they really want with their money.  Create a budget and pay off your debts starting with the highest interest first.  Once that debt is wiped off the books, move to the next highest interest.  This is called the “debt snowball” because you are reducing how much of your money goes to paying interest each month.
• Emergency Fund – Many readers that responded stated they already have a very strict and debt free budget (ed. note: great job!), but are looking to create or add more to their “emergency fund.”  An emergency fund can be different per person, and per household.  Sometimes it is saving enough money to survive three to six months incase of a job loss.  To other people, an emergency fund is about having enough for repairs around the home.  No matter how you view your emergency fund, it will always give you “peace of mind.”

Your Pounds to Pocket personal loans family wants to know if there are any more 2011 “financial resolutions” out there.

Photo: Flickr User