• 3 great debt ­reduction apps

    by Stefan Holt | Mar 10, 2017

    These days, when you need help, you turn to your phone. Chances are, there’s an app for whatever problem you're facing. A problem with debt is no different, so if your finances are in the red and you need some assistance, grab your iPhone now and add any of these debt-relief apps.

    Debt Payoff Pro

    Debt Payoff Pro takes the complex problem of solving your existing debt and breaks it down into easy-to-understand yet effective debt solutions. Start by collecting your debt and entering it into the app. From there you will be asked to choose a payment strategy. These strategies range from tackling payments based on the balance (lowest first or highest first), tackling the highest interest first, or a strategy of your own concoction.

    From there, Debt Payoff Pro provides all the metrics you could ever want surrounding your current financial situation. Your debt amounts, interest paid or saved, and your payoff timeline are all there. There’s even a progress bar so you can chart how effective your efforts have been and compare it to the debt you have left to pay off. Sometimes all it takes to tackle those nagging financial issues is a chance to see the end is truly in sight.

    Debt Free

    Debt Free works similarly to Debt Payoff Pro, but Debt Free’s focus remains fixated on tackling your debt issues one at a time. Like Debt Payoff Pro, you must enter your debts into the app and choose a plan, but the strategies you choose in Debt Free will focus on tackling that first debt.

    Debt Free also allows you to set up reminders based on your payment due dates, ensuring you never forget another payment.

    Debt Strategy

    Just as the name implies, Debt Strategy focuses on the actual strategy of paying off your debts. Once you’ve entered your existing debts, you’ll be treated to a plethora of different strategies for solving that debt. Choose to conquer lower balances first or higher interest; you can also shop strategies to see how paying the minimum, for example, lengthens your debt-paying plan as opposed to a more aggressive strategy.

    The app offers several other “what-if” strategies, which can be interesting to shop, but it’s important to note there are no financial calculators included in this app. So if having a calculator is important to you, you may want to opt for another app in addition to this one and use the two together.

    You can learn more about each of these apps by clicking on the links above. So what are you waiting for? Pick up your phone and eliminate that outstanding debt for good. 

  • 5 things you can do to effectively manage your expenses

    by Stefan Holt | Mar 10, 2017

    When you think about the challenges you face in your life, it’s amazing how many of them are tied to money. And then, when you dig deeper, you’ll be amazed at how many of these money-related challenges would be solved not necessarily by making more money but by better managing the money you already have.

    This isn’t to say that all of the world’s problems will be solved if you can just balance your budget, but it is likely to reduce the stress you feel on a daily basis — and really, who could say no to that? So to help you manage your finances and reduce the obstacles you face, apply these tips today.

    * Map out your budget. Most people have a rough idea of how much they make on a weekly basis, though many have never recorded how much they spend. To manage your budget, chart how much you make each week and record how much you spend each week over one month to create an average. Then compare the results. The greater the difference between the spent amount and the earned, the better.

    * Separate your expenses. Expenses can be divided into two categories: those things you must spend money on and those you like to spend money on. Once you’ve figured out your weekly earnings, subtract the bills you must pay (rent/mortgage, utilities, food, etc.) and then set 20 percent of your total income aside for savings. The money you have left over can then be enjoyed for discretionary spending.

    * Keep credit card spending to a minimum. If used improperly, credit card spending can be hazardous to your budget’s health, so try to use your cards as little as possible. A credit utilization rate of 7 percent will improve your credit score and protect your budget from a surprisingly large credit card bill at the end of the month. The less money you have to pay in high-rate interest, the better.

    * Strive to save. There’s a better price out there, you just have to look for it. A quick Web search for the product of your choice is a great way to compare prices, and don’t discourage discount shopping. Subscribing to your favorite brand’s email lists can be your gateway to special deals. And be on the lookout for coupons — they can offer surprising savings when you least expect them.

    * Embrace direct deposit. Sometimes the best thing you can do with your money is to take it away from yourself. If your company offers direct deposit, use it. It’s a great way to transfer your paycheck directly to your savings account without having to make the trip and do it yourself. And when you do this, you can also support your 20 percent savings goal without noticing the money is gone. It's the no-stress solution to better savings. Who could say no to that?

  • Options to get your car repaired when you're short on funds

    by Stefan Holt | Mar 09, 2017

    It’s called an accident for a reason. You were simply driving down the road and now suddenly here you are on the shoulder, staring at your broken vehicle. You still have a job to go to, errands to run and obligations to keep. The one thing you don’t have, however, is money to pay for the costly repairs caused by this accident.

    So what do you do? You need fast cash or a quick loan and you need it now. 

    It’s a situation thousands of people face each year when they fall victim to an auto accident. If you're one of them, consider the following alternatives:

    • Seek an installment loan.  Installment loans offer an affordable monthly payment at fixed rates and terms. Loans can be the quick fix you need for your cash shortage and your broken down car. 

    • Try to negotiate. Depending on the repair shop, negotiating may or may not be possible. It never hurts to ask if there are any options for a more affordable price, though. Perhaps there is a discount available depending on the parts you choose, or maybe the shop can put you on a payment plan. Different repair shops have different offerings so don’t be afraid to ask one, or several, to see if they have a plan that works for you.

    • Find a handy friend. If someone in your family or friendship circle is capable of making automotive repairs, see if they will tackle the job for you. They may accept a reduced rate or perhaps you can pay them back with help in another way. Be sure, of course, to completely understand the damage that has been done to your car, as you don’t want your friend or family member to do work that would jeopardize your insurance or expose you or the vehicle to future damage or injury.

    • Sell off personal items. This can be painful to do but it is an option. Websites like eBay, Craigslist and Facebook have made selling possessions easier than ever, and you can always set up an old-fashioned garage sale on the weekend. Start with the low-hanging fruit, the things you wanted to get rid of anyway, and from there work your way up toward things you find more and more valuable until your goal is met.

    No one plans for a car accident and the world certainly doesn’t stop for you just because you’ve had one. When you are the victim of an accident, you need a plan to get your vehicle back on the road quickly. The sooner you employ one of the tips above, the sooner you’ll be back on the road wondering how you ever found yourself on that shoulder in the first place. 

  • Is no credit really worse than bad credit?

    by Stefan Holt | Mar 09, 2017

    If you’ve never used credit before, your credit rating is spotless. There’s not a single missed payment, default or blemish of any kind. Unfortunately, there’s not a single payment, acceptance, or credit increase of any kind either.

    You simply have no credit rating. But that’s OK, right? A clean — albeit empty — slate has to be better than one that's been tarnished.

    Sometimes that’s true, but it may also surprise you that lenders may prefer to do business with an individual who has a poor credit history over a person who has no history at all.

    Understanding the details

    But how can this be, you ask? To understand how a poor credit applicant would be more attractive to a lender than a person with no history, you have to look at the situation through a lender’s eyes.

    Lenders recognize that credit applicants don’t operate in a bubble, and that outside events often affect a person’s ability to pay. They can then look at the factors that forced a person with bad credit to fall on hard times and determine if those factors still exist in the person's life, and if so, whether these factors would have any impact on the loan they are considering.

    At the same time, lenders are also able to look at a person’s entire credit history. While some aspects of that history may be less appealing, lenders may be more apt to do business with an individual if they notice factors like a solid credit performance in their immediate history or an increase in income.

    People with no credit history present a completely blank slate, which forces a lender to gamble with no method to weigh their risk. Some lenders simply aren’t willing to take that chance.

    Adding a credit history to your blank slate

    If you have no credit history and are looking to lay your initial foundation, you’re not without options. Apply for a credit card — just one, to start — and use it in a safe manner that allows you to pay off the bill easily without falling into debt. If you can’t get a traditional credit card, apply for a secured card instead. 

    In addition to a credit card, you can also build your credit rating with smaller loans. A small personal loan, paid off promptly, can be a helpful building block to your credit history. You can also apply for a loan for larger purchases. A car loan is ideal, but if such a purchase isn’t in the cards or you can’t get approved for one, a loan for a smaller purchase, such as furniture, can be beneficial as well.

    Any of these credit options can help you build a foundation for a successful credit history — provided you handle your newfound credit responsibly. So pace yourself, start with small bills, and pay them on time. While you may want nothing more than to create a credit history as quickly as possible, a positive history will be worth the wait.

  • What to do if the cost of damage is less than your deductible

    by Stefan Holt | Mar 07, 2017
    Accidents will happen. That’s what they say. But when it comes to your teenager, it seems like those accidents will happen all. the. time.

    That’s why you were so nervous about allowing them to drive. Suddenly this accident-prone loved one is behind the wheel of a very expensive and potentially dangerous accident waiting to happen.

    You worried about them spinning out in poor weather, hitting another car, or getting a flat tire in the middle of nowhere. As it turns out, your teen’s first accident didn’t fit into any of these dramatic scenarios. They didn’t even need to leave your property. Instead, in all their excitement to drive, they hopped into the car, put it in reverse, and backed right into your garage door.

    It sounds funny, and maybe 10 or 20 years from now it will be. But now? Now you’re stuck with a dent in the car, a bigger dent in your garage door — which doesn’t open — and the question of how you’re going to pay to repair all of this.

    Do you file a claim?

    You look at the dent in the garage door and you’re already wondering where your insurance agent’s business card is. You’re that certain you need to file a claim.

    But once you’ve had a chance to think about it, you’re not so certain.  After all, filing a claim is the easiest way to go. Insurance steps in and takes care of everything. That’s why you pay insurance, after all. If you feel you’ll need to file a claim simply because you lack the cash to pay for the repairs out of pocket, expand your options instead. A short-term installment loan could provide you the money you need to handle the situation in the manner you deem best. 

    Installment loans can vary in amounts ranging to as little as $300 to upwards of $1,400 depending on where you live. One side benefit to getting an installment loan is that the monthly payment amount is affordable.  Giving you plenty of options to handle your teen’s latest accident.
  • Are cell phones becoming the sixth C of creditworthiness?

    by Stefan Holt | Mar 07, 2017

    Looking for a succinct way to understand how banks determine your creditworthiness? Think of the letter C. For years banks have determined a loan applicant’s worthiness by reviewing their capacity, capital, character, collateral and conditions.

    * Capacity reflects a person’s ability to repay the loan they are applying for. During the underwriting process, banks will review your ability to create cash flow, which you will need to pay the loan’s accompanying interest. Those who demonstrate a strong cash flow capacity are more appealing because they are more apt to handle the interest requirements that accompany a loan.

    * Capital can represent the strength of your personal wealth or the vitality of your business. The greater your capital, the easier you can navigate life events or volatility, making you a more attractive target for lenders.

    * Character is perhaps the most important of the five C’s for lenders. Banks want to learn more about what type of person you are, and they will use things like your credit report and credit history to determine if you are a safe subject for a loan.

    * Collateral may be offered up to secure a loan from a lender. If you are unable to repay the loan in the future, the lender may then choose to collect through the sale of the collateral provided.

    * Conditions is a general term that can apply to any number of final qualifications accompanying a loan. Conditions may also apply to any research the bank is doing regarding your loan. For example, if the loan is for your business, the bank may do some further investigation to understand the conditions that exist in this industry to determine if you are an ideal candidate for the loan.

    Cell phones: The sixth C

    While banks across the country have set loan rejections and approvals based on the five C's for years, a sixth C is starting to gain notoriety.

    The practice started overseas, where millions of people lack proper financial records but possess cell phone records. Lenders abroad and in the United States are now finding these records can be used as a viable factor to determine a person’s creditworthiness. For example, does the applicant pay their cell phone bill on time? Do they manage their balance effectively? How large is a person’s social network?

    The considerations here may seem anecdotal, but research finds resounding similarities between the size of a person’s social network and their ability to repay a loan. In many cases, the larger the social network, the less chance of a loan default.

    So what does this mean for you? Like your credit card and credit history, your cell phone bill is now something else it pays to watch closely. Pay your bills on time, because when it comes time to apply for a loan, that sixth C may be the most important of all.

  • Trust the Better Business Bureau rating when looking for an installment loan provider

    by Stefan Holt | Mar 06, 2017
    If you’ve fallen into a situation where you need fast cash and you’ve never been properly serviced by a bank, you might be looking at installment loan options or even a payday lender. And that probably makes you a little nervous

    — after all, plenty of predatory lenders are out there.

    So how do you find a lender you can trust? One who will offer you a solution instead of simply adding to your problems?

    You could research individual lenders on your own, but doing the research yourself can be difficult and time consuming, especially if you’re not getting the right data. Instead, trust a respected government body like the Better Business Bureau (BBB) to do the research for you and use their rating system to judge a lender's  capability.

    According to its website, the BBB “serves as a trusted, objective source of business ratings and reviews for consumers and best practice standards and self­regulation programs for businesses. This provides BBB with unique data and insights into the behavior and performance of businesses throughout the United States, Canada and Mexico.

    With the BBB API, the unbiased and validated BBB Business Rating and accreditation data on nearly 5 million businesses in the United States and Canada can be seamlessly integrated into any website, mobile application, or platform consumers use to research, evaluate and select product and service  providers.”

    Southern Management Corporation, the parent company of mymoneytogo.com, Covington Credit, Quick Credit and Southern Finance is one of those 5 million companies that has been reviewed by the BBB and earned an A+ BBB rating.

    This rating comes from the BBB’s review of:

    Our business’s complaint history with the BBB. 
    The nature of our business.
    Our time spent in business.
    The transparency of our business practices.
    Our ability to honor our commitments to the BBB. 
    Any legal actions that have been filed against us. 
    Any advertising issues.

    You can see the full rating here.

    We’re proud of our A+ rating, just as we’re proud of our 90 percent customer satisfaction rating. Visit mymoneytogo.com today to learn more about how we can help you.
  • 4 Things you should do when you're injured and can't work

    by Stefan Holt | Feb 27, 2017

    No one sets out in the morning planning to get hurt, but accidental injuries are simply part of life. If you suffer an injury, particularly one that prevents you from working, it’s good to have a plan in place — especially if you need  fast cash. Whether you've already suffered an injury or you're preparing for the worst, these five steps can help you prepare for the long ­term effects of a serious injury.

    1. See the doctor. This essential step is a must. Don’t make the mistake of assuming your injury is no big deal. Even a small injury can cause lasting health problems. Visit your doctor as soon as possible and tell them everything you can about your injury. They will be able to give you a proper diagnosis as well as treatment options to get you on your feet and back to work as soon as possible.
    2. Contact your employer. If you weren’t hurt at work, make sure you contact your employer and let them know what happened. Contacting your employer after you’ve seen your doctor will allow you to give them more information, but don’t delay connecting with your employer for too long. Make sure they know about your injury before your next shift so they expect and understand your absence.
    3. Get your financial situation figured out. If you will be unable to work for a while, you’ll need to make other arrangements to meet your financial obligations. A reputable short­term installment loan lender will work with you as best they can.
    4. Long­term Strategy. If your injury looks like it will keep you out of work for a significant amount of time, it’s time to research a long­term financial strategy.
  • How is an installment loan different from a payday loan?

    by Stefan Holt | Feb 15, 2017

    If you need a fast cash loan and traditional banks haven't met your needs, you might consider an installment or payday loan solution. You may also be thinking they're both basically the same thing. Not true.

    Installment loans and payday loans are very different. In this post, we'll discuss both options so you can determine which small loan is right for you.

    Installment loans

    Installment loans offer you the opportunity to get the funds you need quickly with an affordable monthly payment. Smaller installment loans are commonly offered between $300–1,400. To obtain one, you simply apply for the loan, and once you’re approved your loan will be provided along with a fixed interest rate and terms outlining your payment structure. Installment loans are a popular option because they allow you to enjoy a higher borrow limit and longer loan term than a payday loan or a cash­advance option.

    Installment loans typically span between six and twelve months, during which time monthly payments are  made.

    Payday loans

    The first thing you’ll notice when comparing payday loans to installment loans is that payday loans are commonly smaller in every way. Often the amount borrowed is smaller, and the turnaround time for paying that money back is much smaller, too — usually just a couple of weeks.

    Payday­loan providers may ask you to write a check for the loan ahead of time, including a tacked­on fee, and they'll cash this check on the agreed­upon date instead of waiting for you to repay. The fees are often very high and in the case of larger loans, you may have to hand over some other type of collateral such as your car title. Some payday­loan companies may allow you to extend a loan if you can’t pay it back on time, but be aware doing so may add more fees and further increase the bill you have to pay for the sum you initially borrowed. Many have cited this  as falling into "the payday loan trap."

    Finding the right option for you

    If you are researching quick cash options, it might be because you have run into unexpected circumstances such as a car accident, a major hospital bill or the loss of a job. In many cases, these situations are not resolved in the brief period of time before a payday loan will be due.

    Instead of falling for the payday loan trap, look for an installment loan option offered by a reputable company that will work with you to solve your financial problems, rather than adding to them.

  • When storm damage hits, how are you going to handle that insurance deductible?

    by Stefan Holt | Jan 31, 2017

    No matter where you live in the country, you can’t escape weather or mother nature. Snow, hail, earthquakes, hurricanes, harsh winds, blizzards and tornadoes — every area of the nation has its own brand of severe weather and other risks that can damage your home, your vehicle or both.

    To protect your property and possessions from the unavoidable, you carry insurance. It serves as your security blanket and provides you with the financial protection you need in the event of storm damage.

    This all sounds simple, but will this cover all of the costs?

    One of the essential pieces of your standard insurance policy is the deductible, which is the amount of money you will have to pay out of your own pocket should you need to make a claim. It is this deductible that you must meet before your insurance policy kicks in to provide additional  support.

    While insurance policies differ depending on your insurance history, where you live and the specifics of your plan, they usually share a common feature: the higher your deductible, the lower your monthly  payment.

    And if you chose one of these high­deductible, lower monthly payment options, in the event of a disaster, it may mean you have to find $500­1,000 or more before your policy will kick in to help you recover from the damage.

    Can you find that money? If you can't, you've left yourself vulnerable to a much larger sum of unpaid bills.

    Finding the money when you need it most

    Many people across the country report they would have trouble coming up with $1,000 in an emergency  situation -

     like meeting an unexpected insurance deductible. According to the The Associated Press ­NORC Center for Public Affairs Research, two­thirds of Americans report they would have trouble paying an unexpected bill 


    of $1,000, and that number climbs to three ­fourths of respondents in homes with a household income of less than $50,000 per year.

    Sound familiar? If so, how do you find the money you need to cover your insurance deductible after your home or car sustains storm damage? The answer is easy: a short ­term installment loan can help. Installment loans have fixed rates and predictable terms. An installment loan can provide the money needed to satisfy an insurance policy’s deductible and activate the policy's protection in order to recover from storm  damage.

    And that’s good to know.

  • Financing auto repairs because of pothole damage

    by Stefan Holt | Jan 18, 2017

    You hit the bump, your car shudders, your neck snaps and the beverage in your center console spills everywhere. At first you think you got rear-ended or maybe you blew a tire but nothing so dramatic happened. You just ran over a run-of-the-mill pothole and depending on how fast you were going and the depth of the hole, your run-of-the-mill day may have just gotten a lot more costly.

    An incident you can't ignore

    You don’t set out to hit a pothole, but on many stretches of road they're sometimes almost impossible to avoid. And because they are so common, it’s easy to forget how much damage one little pothole can actually do to your vehicle.

    Just one pothole accident can cause misalignment in your steering system, a puncture in one of your tires or a bend in your rims. Any of these damages can easily cost you more than $100 and if you don’t repair your vehicle immediately after hitting the pothole, the damage might only get worse.

    Getting help after your accident

    In many cases, only a certified auto mechanic can accurately tell you how much damage your vehicle has sustained by hitting a pothole as well as what you'll have to pay to repair the damage. If the repair bill is more than you can afford, you may have to take out a small installment loan.

    The advantage of taking out a small installment loan to cover this much needed repair is the affordable monthly payment. The length of the loan may vary but usually terms do not go longer than 12 months depending upon the size of the loan. Installment loans come with fixed terms and conditions to help you get the money you need without any unexpected surprises.

  • Do you have $1,000 for emergency money?

    by Stefan Holt | Jan 13, 2017

    “Whatever can go wrong, will go wrong.”

    That’s Murphy’s Law and chances are you've heard it before. Though it may sound negative, it's still strong advice — it's simply a good idea to be prepared for anything. When it comes to financial preparedness, however, many of us have room to improve.

    In a recent study by The Associated Press-NORC Center for Public Affairs Research, two-thirds of Americans say they would struggle to find enough money if they were faced with an unexpected bill of $1,000. In addition, three-quarters of households making less than $50,000 a year report they would struggle with such a bill.

    Even higher-income earners don't appear safe from the burden. Thirty-eight percent of households making more than $100,000 per year report they would have difficulty finding the funds to cover such an expense. 

    Savings concerns and consumer confidence

    While many people aren't prepared to pay such a large unexpected bill, they are able to pay their regular bills successfully. The same research found that two-thirds of those surveyed were content with their finances, a sign they're able to handle day-to-day expenses.

    Still, as experts warn, managing the expenses of daily life can fill consumers with a false confidence of their financial stability. That is because in many cases simple day-to-day financial management may not be enough to ward off large, debt-causing expenses. Common causes of such expenses include unexpected life events such as the loss of a job or the costs associated with an emergency medical procedure. 

    Focused on saving

    Take a look at your own expenses. Could you handle an unexpected bill of $1,000? If not, it’s best to heed Murphy’s Law and start preparing for such a thing. Budgeting your home's finances can help. Citigroup recommends looking at your monthly household income and establishing a 50/30/20 rule with 50 percent of your income being set aside for fixed expenses (rent, car payments, etc.), 30 percent being set aside for variable expenses, and the final 20 percent to be set aside for savings.

    Now compare this ratio against your income to determine if this is possible for you. Depending on your income, you may have to set aside 60–70 percent of your income for fixed expenses and work down from there. Your initial savings in this ratio may seem small, but any money you can put away will ultimately be helpful in the future.

    Getting immediate help

    So, what do you do if that $1,000 expense comes knocking before you have time to save for it? Or, what if traditional banks have failed to meet your needs and made saving difficult?

    If this happens to you, an installment loan may be able to help bridge the gap in your income. Installment loan lenders can offer short-term loans from $300–1,400 to help you overcome those unexpected hurdles Murphy’s Law may throw at you, at a time when you need help most. After all, when the unexpected happens, it’s good to know you still have a dependable option.

  • Owe taxes? You need cash now

    by Stefan Holt | Jan 12, 2017

    Every season has its proponents. The harshest winters are adored by skiers, and the warmest summers are the perfect time to get in the water. Yes, for every season out there, there’s someone who loves it.

    Except for tax season.

    Tax season will start January 23 this year, and with all of its paperwork, regulations, and headaches, chances are you filed your paperwork much closer to the April 18 deadline than the start date three months before.

    Even in a good year, tax season can be headache-inducing. But what if your situation is especially bad this year? What if instead of simply stressing over the mind-numbing details and audit-inducing final steps, you have to pay in and owe the government hundreds of dollars?

    Suddenly a season you already didn’t look forward to has become disastrous, and if you don’t have the extra money available to meet this unexpected requirement, you may think you’re in real trouble. The good news is, you don’t have to be. Financial solutions, such as short-term installment loans, can help you find the money you need when you owe taxes and need cash now.

    Solving your tax obligation with fast cash solutions

    When you are facing the unexpected requirement to pay in during tax season. It’s a nerve-wracking time, but a short-term installment loan can help you meet these demands without placing long-term stress on your finances. 

    We can’t promise we’ll make tax season your favorite time of the year, but we can help you move on as quickly and securely as possible.

  • Find a solution when you simply have to travel

    by Stefan Holt | Jan 11, 2017
    When we think about life’s unexpected expenses, we often assume the negative. We think of emergency medical bills, repairs to our vehicle, a broken appliance, or another costly home improvement. We never think about the positive. Some might argue this is because we look forward to spending our hard-earned money in a positive way, and because of this, we are rarely surprised by a positive expense. There’s some truth to that. But there are also times in life when we get to experience an unexpected positive surprise. And nothing exemplifies that surprise quite like a wedding.

     

    If the bride- or groom-to-be is an immediate member of your family, chances are you knew about the wedding ahead of time. But suppose you are one step removed; maybe it’s a niece or a nephew getting married instead of a son or daughter. In this situation, you may not even have known your family member was dating anyone, let alone ready to be getting married. If this is the case, the wedding really is a surprise. A pleasant one, sure, but it can be an expensive one as well.

     

    Because when you start thinking about the wedding, it's time to think about all the expenses that come along with it.

     

    First and most expensive could be travel. If you live near your loved one, this expense can be mitigated. But if the happy couple chooses a destination wedding or lives a couple of states away, traveling to this event is going to cost you. Once you've figured out your travel expenses, you have to consider lodging (if it’s a long trip), a gift for the couple, what you’ll wear yourself and what expenses anyone accompanying you may incur.

     

    And all of those factors can get costly really quick, meaning even on this positive occasion you still might be feeling the pressure of your financial restrictions.

     

    Fortunately you don’t have to miss your loved one’s big day just because you’re a little short on cash. There are loan options available because when your loved one is ready to say "I do," you don’t want to have to say "I can’t."
  • There's a mouse in your house! How much is an exterminator?

    by Stefan Holt | Jan 10, 2017
    Mice are around all year long, but in the warmer months they’re content to stay in the open woods and fields that surround our homes. In the colder months, however, when food gets scarce, they turn their sights toward our homes and become a real nuisance.

     

    The old adage "if you see one, there are often more" is certainly true when speaking of mice, and often, you may not even see that one. Maybe you simply discover some droppings in your basement or garage. Or perhaps the birdseed or dog food bag has some holes in it, made by little tiny teeth. Whatever the sign, you have a rodent problem, and now you have to determine if this is something you can handle yourself, or if you need to turn to the experts.

     

    Trying to handle the problem yourself

     

    If you’re committed to solving the problem of a mouse in your house yourself, start by identifying and eliminating possible food sources. This includes any sources that appear to have bite marks, those surrounded by droppings, and food sources in low, accessible areas. These should be moved to higher ground and, if possible, placed in sealed containers to block access. In the case of birdseed or dog food, even a trash can works nicely.

     

    Once you’ve eliminated potential food sources, you can focus on freeing your home of infestation. Mouse traps are available in a wide array of varieties, from conventional snap traps to glue traps and live traps. The trap option you choose is up to you, but make sure you are mindful of small children and pets as you select your traps and their placement.
    You should find mice in your traps within days of placement, but if the traps fail to eliminate your mouse problem, you may need professional help.

     


    Hiring an exterminator

     

    Hiring an exterminator makes for a more comprehensive, but expensive, solution. How much is an exterminator? The answer depends largely on where you live and the size of your problem, but the bill is likely to be more than the cash you have on hand.

    If you don’t have the money to pay for an exterminator’s services now, your best bet is to research fast cash solutions immediately. A single female mouse can give birth to 60 or more offspring per year, meaning the longer you wait, the more your infestation problem could grow.

    Finding an affordable loan option is possible and can help you find the best solution for finding the mouse in your house.