BBC news recently reported that 29 million workers could be affected by 45 new tax and benefit changes that were identified by Credit Action, a charitable organization. They take effect on 6 April.

What does this mean in terms of raw numbers and data? The Institute for Fiscal Studies calculated that the average loss seen by these households would be about £200. Riding on the heels of the changes in January, which resulted in a loss of about £680 on average per household, this isn’t an easy pill to swallow.

With changes coming so suddenly, it has caught many people off guard and put them in a tight position with their finances. You might have a large purchase coming up that you can’t put off, but there are organizations that can help you like Pounds to Pocket.

It’s been reported also by BBC that the changes to income tax will be the largest difference most will notice. They estimate that 750,000 people will pay a 40% higher tax rate. However, there is some good news in that half a million people will be put in a tax bracket that is more beneficial to them.

Basically, the bottom line is that major changes are coming in the next few days, with more to come in the coming years. Organizations like Credit Action are warning people that they have to start planning now for the coming changes.

There are many ways to plan for these changes. One thing you can do is use Pounds to Pocket to take out a personal loan for a big purchase you are planning to make. That way, you can pay off these purchases gradually, and keep money free for other immediate expenses.

With the new financial year in sight, now is the time to ensure your finances are in order and make a fresh start for 2011. With many of us struggling to keep up with the increase in VAT and soaring petrol prices, it is likely your salary no longer goes as far as it did this time last year. Relieve the strain of financial pressure with unsecured loans from Pounds to Pocket, your one stop website for trusted loans.

With extensive experience within the lending industry, we are able to offer professional and honest advice in conjunction with a reliable and swiftly deposited loan. If you are looking to enhance your financial situation, there is no better company to contact.

If you are currently searching for a loan provider, the last thing you need is to be faced with complicated and lengthy text, that’s why our website aims to keep everything as simple as possible, with clear and honest details of the process, including the repayment schedule.

The end of the financial year is often considered a stressful time; we can alleviate some of the associated stress through our simple lending procedure, affiliated with the Consumer Finance Association, giving you confidence in the loan you receive.

We work hard to assess your application in the quickest possible time, this means that, should your application be approved, funds can be deposited directly into your account within 60 minutes or less^§, giving you the additional money you need to get everything in order ready for the new financial year.

Avoid the less reputable online loan providers by coming straight to our friendly and professional team here at Pounds to Pocket, we are always on hand to help wherever possible. For unsecured loans you can rely on, visit our website today for further information on our services.

New research conducted on behalf of HSBC show that Brits underestimate the cost of big life evens by £124,000. Some of these events include: buying a car, a deposit on a first house, and the cost of a wedding. Most people are expecting to pay for these things with their savings, but by underestimating the cost by as much as £11,000 or more, many are finding themselves in financial straits.

One way to avoid this fate is to set up a contingency fund. When prices jumps from one year to the next, or the cost of your dream wedding venue has a premium price for your wedding date, you will be able to dip into that fund and not have to worry about whether your savings can cover it.

If you simply don’t have the extra money to set up this emergency fund, Pounds to Pocket understands and that’s why we are here. A personal loan from Pounds to Pocket won’t pay off the cost of your first car, or cover the cost of an entire wedding, it can be there for you when you are trying to make other important purchases while paying off events that you had previously thought you could manage based on your income and expenses, so you don’t have to stop living.

Get more information about the study mentioned above here.

With the recent petrol prices skyrocketing, there aren’t many ways to save on fuel. However, there is one huge way to save money on your transportation.

Buy used instead of buying or leasing new.

Why? A car’s value will depreciate as soon as you drive it off the lot. From that moment forward, the value depreciates about 20% every year. The optimal time to buy a used car is 2-3 years after it was originally purchased new.  The price will have dropped significantly, but the car should still run well without needed many repairs for many more years. Keep in mind this is not always true. Make sure you check out the vehicle’s history report and mileage. If someone used it very heavily or it has been in a major accident, the situation may not follow this logic.

The one downfall to buying used is that once you find the right car, you have to act fast to get it before it’s sold to someone else. If you are a little short on the money you need still, a loan from Pounds to Pocket may be just what you need. With 1-hour funding,^§ you can find your perfect car, and get your money funded to you while you take it for a test drive.

Panic, stress, worry ― these are all feelings that we experience in connection with money problems. It’s easy to get in a fluster if you realise you cannot afford to pay for the sudden, unexpected emergency which has left you in a sticky financial situation, but we at Pounds to Pocket are here to show you that this doesn’t have to be the case. As a caring and helpful company, we are able to demonstrate how you can make your life a little easier with our unsecured personal loans.

Applying for a loan may sound stressful, but with us it doesn’t have to be. We’ve done everything possible to ensure that the application process is as smooth and straightforward as it should be; therefore easing a small yet significant part of your financial woes.

Using our online system will take away all of the hassle often associated with the application process, as all you’ll need to do is enter your details into our secure form, and click ‘Apply’. Simple; just like it should be.

Don’t want to wait to hear the outcome of your application? We can’t give you an instant decision, but we can come extremely close. Our applications are usually handled within 30 minutes or less with just the online form- you don’t need to send any documents to us¶.

The process of getting your money after approval is what we do best. We offer funding in just 60 minutes or less of approval, meaning that you’ll have the funds transferred into your bank account within the hour§.

Worried about remembering to make the repayments? We’ll sort that out for you too. By simply arranging to take the necessary amount from your bank account on the date that you get paid each month, we’ll automatically take the payments so that you won’t have to worry about remembering to make them. This will all be completed at no extra cost.

As a company focussed on responsible lending, you can rest assured that you’re in safe hands when taking out one of our loans. We won’t spring any hidden fees upon you, and we’ll make sure that you’ll remain fully knowledgeable about any charges, figures and fees.

Don’t let yourself get worked up at the thought of not having enough money to cover your unplanned emergency. Ease your mind, finances and life with unsecured personal loans from Pounds to Pocket.

Finance is one of the most common issues that can cause undue levels of stress and worry for a number of households. With finances tight for many at present, an unexpected emergency can further enhance the strain you are already faced with. Fortunately, we at Pounds to Pocket aim to be on hand to settle your financial worry and improve your situation through our selection of quick cash loans.

A cash loan can provide you with a short term solution to your money troubles that can ease the stress and worry your current situation is causing. With a fast turnaround from application to approval, the money you so dearly require can be in your bank account within 60 minutes^§ if approved between the hours of 00:30 and 22:00 on any day of the week, 365 days a year.

The whole application is completed from the comfort of your own home via an internet connection which means there is no need to take a trip out doors and no additional paperwork needs to be sent. By simply filling in your personal and financial information within our step by step form, your application will be studied by our experienced consultants who will then decide whether you are eligible for a loan, usually within 30 minutes.^¶

The speed of the whole process is one of the most beneficial and effective factors to help ease any applicants financial worry. Such a swift overall procedure reduces the amount of time that you can worry about whether you will be approved or not and with a quick transfer of funds on approval, the money is soon available to be used as you see fit.

There is no longer any need to work yourself up over your financial situation as the quick cash loans we can supply you with here at Pounds to Pocket are the perfect solution. To ease the strain on your whole household, simply fill in our short online application form today to see if you are eligible for a loan.

After obtaining an unsecured loan to aid your financial situation, the next stage is to begin to repay the money you have borrowed. Here at Pounds to Pocket we endeavour to simplify the whole procedure of paying back unsecured loans to ensure that you are not caused any stress or undue worry. With a gradual repayment plan in place, an affordable sum will be taken in equivalent monthly instalments, or biweekly instalments if your salary is paid every other week.

Our unsecured loans are repayable over the course of 12 months with set amounts taken from you on your pay dates. These dates will not change without your permission, so you are always aware of exactly when and how much will be taken from your bank account each and every month. With this in mind, you can then plan accordingly to budget yourself for the remainder of the month.

This also means that the whole repayment procedure is completed without you having to leave your home, as it can be taken from your debit card or you can schedule the money to be drawn directly from your bank account should you not own a card. This also guarantees privacy and makes the whole procedure easy and straightforward on your part.

You can rest assured that here at Pounds to Pocket there are no hidden fees at any stage throughout the duration of your loan. You will only pay the interest during the period in which you are paying back the loan and once the obligation is complete, the interest will stop amassing even if you pay the loan back in full early.

On obtaining unsecured loans from here at Pounds to Pocket, you can expect to take around 12 months to pay back the money you have borrowed. A set amount of money taken directly from you every pay date will see you gradually repay your loan and in some cases can even help to improve your credit score to leave you on a more stable financial footing for the future.