Ask Your Lender if They Report to a Canadian Credit Bureau

creditWhether you are taking out a mortgage, a home equity loan, a business loan or a loan for personal reasons, you need to be leery of coming into contact with the wrong type of lender. How the lender has conducted business in the past is a good metric to see how they will conduct business with you. Doing your homework on the front end is no guarantee of a flawless experience but it does bode well.

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Last Minute Christmas Gifts That Won’t Break the Bank

Last Minute Christmas Gifts That Won't Break the Bank
Last Minute Christmas Gifts That Won’t Break the Bank

When you’re looking for last minute Christmas gifts it can be very difficult not only deciding what to buy but also knowing how to pay for it. The holidays are a stressful time for many people and that is often due to having a lot of stuff on their to do list. One common hassle of the holiday season is gift shopping. Not only can you find yourself at a loss as to what to buy but also worrying about the financing of the holiday expenses as well. There is no need for concern however, the following blog post will help you with a few quick gift ideas!

Last Minute Gifts

Gifts don’t have to be extravagant. If you’re doing some last minute shopping, finding this year’s hot item may be more trouble than it’s worth. In that respect, always remember that a gift that is truly appreciated and enjoyed by the recipient is worth more than something that’s hard to find. While money is always appreciated it can be a bit impersonal as a gift. That’s why gift and store cards are so useful. It allows you to give a gift that you know won’t go to waste but also shows you care about the recipient enough to give them a card to one of their favorite stores. For a more hands on gift think accessories. An accessory gift is something that goes with things you know the recipient already owns. For the fashion minded, a scarf is a good example as are gloves. If you know a person’s style this can be an easy pair up for a gift. When it comes to gifts, thought and appreciation beats costs any day.

What To Do If You Need Money?

The end of the year is often a busy time for many families. Aside from last minute Christmas gifts, there are often personal accounts, various club memberships, vacation time, and work matters to attend to. It can be hard finding not only the time to look for last minute Christmas gifts but also the money as well.

Small private loans exist for just such a purpose. They can be as small as a few hundred dollars to as high as a few thousand, depending on your needs. However, many banks aren’t in the business of giving out small loans that you can quickly pay off. This is doubly so if you have bad credit or a low credit score. But businesses do exist to help those with low credit ratings who require a loan. Companies like Fast Access can get you the small loan you need with a minimum of hassle or paperwork. Plus, you can often have your money sent to your bank account within a day, allowing you the time needed to shop for last minute Christmas gifts.

When You Need a Loan

When you need a small personal loan for the holidays, you need a company who understands your unique situation. Fast Access Finance can help people with low credit scores get the cash they need. Feel free to contact us today and start the loan process. Within 24 hours you’ll have the money you need for last minute Christmas gifts.

Frugal Living Tips for Families on a Budget

Frugal Living Tips for Families on a Budget
Frugal Living Tips for Families on a Budget

The cost of living continues to rise. The cost of raising a child to age 18 has increased to $243,660 – and we only expect this figure to swell. No wonder your bank account is always wiped out at the end of the month.

Sadly, you can’t stop to spend. But yes, you can do something so that you always have some extra money left in the pocket at month end. Here are 7 tips to get you started.

  1. Be a friend of the local library

You probably like books and movies but know well how expensive it can be to keep buying the latest releases. Why not befriend your local library where you can find most of these for free?

  1. Plan your meals

It’s not bad to pop in at McDonald’s once in a while but you can save big if you can prepare most of your meals at home. If you plan all the family meals, you won’t find yourself in a situation where you don’t know what’s for dinner. You might also want to try preparing your entire week’s meals on Sunday and freezing them so you’re only cooking one day a week.

  1. Try automatic bill payments

Automatic payments not only eliminate the need for a stamp, they are fast and… yes automatic. Whatever you owe your creditors will automatically be withdrawn from your account and paid to them so you don’t have to worry about accumulating debts. If you decide to pay your bills directly, consider completing most of the transactions online.

  1. You don’t always have to drive

If you are not going far, you may as well walk or bike. In addition to saving money on fuel, you’ll also be exercising! It will also save you on fuel if you group your errands so you only go out when you actually need to.

  1. Pick up any freebies

Major stores are never short of freebies. If they are bringing in new items, there is bound to be a few free samples. Start looking online for free offers and your mailbox will soon be bursting with valuable goodies! Check out freebie websites like

  1. Instead of disposable, buy reusable

Have you realized how expensive it can be to repeatedly buy the same items? For example, you use paper towels, which cost about $1 per roll. But how long do they last? Within a few weeks, you have to buy a new roll. If you invest in a reasonably priced pack of washable towels instead, you can save big money.

  1. Buy second-hand

New is shiny, but the truth is that second-hand goods are sometimes worth a shot. You can find anything from clothing, furniture, cars, electronics and other big ticket items at affordable prices at garage sales or in thrift stores. You can also get quality used items on Kijiji or Craigslist for less than half the price of a new one.

Need a personal loan to help make your budget work this month? Call us today at 1-855-367-9191 and we’d be glad to help get your finances on track.

10 Simple Ways to Save Money Every Day

10 Simple Ways to Save Money Every Day
10 Simple Ways to Save Money Every Day

If you need to save money (and who doesn’t?) you can find some simple ways to do it – ways that won’t cause undue hardship or make you feel like you’re going without. In addition to finding easy sources for some quick cash, you can also follow the tips below to make your dollar stretch further without feeling the least deprived:

1. Turn your thermostat down or up just one degree.

Turn your thermostat up in the summer, and down in the winter by just a single degree. You probably won’t even notice the temperature difference, but you’ll save some significant money.

2. Unplug most appliances when you’re not using them.

Most appliances that don’t need to be plugged in permanently (microwaves, televisions, etc.) draw a low but continuous “phantom” amount of energy all the time, even when you think they are “off.” Unplugging them when not in use is one of the great simple ways to save money, since you won’t even notice the change.

3. Plan your energy usage.

If your utility company charges you more for usage during “peak” times, plan energy-intensive tasks like washing dishes or laundry for “off-peak” times.

4. Comparison shop.

Comparison shop before you buy anything to get the best price. The Internet makes it easy to figure out who’s got the best price for a particular item, so you can decide when and where to buy it.

5. Plan, make a list, and stick to it when you grocery shop.

Plan your meals ahead and then buy the ingredients for them to last the week. Make a list and stick to it when you grocery shop. Don’t go when you’re hungry, and don’t give in to impulse buys.

6. Make it and take it.

Start bringing your lunch from home to work if you don’t already. Similarly, don’t buy coffee at your local specialty coffee shop, and instead bring that from home, too.

7. Check in your closet before you buy new.

Organise your closet so that you know what you have and can put an outfit together quickly when you are in a rush. You may be surprised at which clothing items you already have if you take the time to sort through everything.

8. Reuse or repair.

It’s tempting to simply toss something that’s torn or broken and buy new, but not so fast. It’s quite possible that what’s broken can be easily fixed. Look into repairing it yourself or getting it repaired before you replace it to save money.

9. Walk, bike, or use public transportation instead of driving when you can – and keep those tires inflated.

You’ll save significant money on gasoline, get some exercise, and will feel good about the fact that you’re helping the environment — and it’s one of the simple ways to save money. If you must drive, make sure your car is in good repair and that your tires are properly inflated. It’s unsafe to drive with low tires and you’ll spend more on gasoline, too.

10. Get rid of subscriptions and other payments for things you don’t use.

If you thought that gym membership was a good idea once but now you’d rather spend some time on yoga and/or a walk around the neighbourhood instead, don’t keep paying for it or for other things you don’t use. This is among the easiest of the simple ways to save money, because all it requires is a little discipline to actually get the job done. When you don’t have these things anymore, you won’t miss them – because you never did anyway.

Need some extra cash fast but not sure where to turn? Fast Access Finance can help. We provide personal loans for people with bad credit quickly and securely, with the entire process done on-line. Get approved quickly and have the money in your bank account in 24 hours!

How to Save Money on Your March Break Getaway

March Break
How to Save Money on Your March Break

March Break is a great chance to get away from the sub zero winter we’ve been having for what now feels like forever.  March Break signals the beginning of spring and the end of winter which is the perfect opportunity to book a dreamy getaway. However, planning your March Break in advance is imperative if you don’t want to throw out your hard earned money without a second thought. So here are some tips on how you can save money during your March Break week events and still enjoy an unforgettable time:

1. Look for Last Minute Vacations – Although it may sound counterintuitive, booking in the last minute has its advantages. Many hotels have no stay restrictions right before March Break starts simply because they see how their rooms may remain empty. So they drop the prices in the last minute. You can save hundreds of dollars by waiting, but of course there is also the risk of your chosen resort being sold out. This option is best for people who are flexible when it comes to vacation destinations.

2. Stay Away From Popular Getaway Spots – The world has many wonderful places to see and it is incredible just how much you can save by staying away from those popular gateway hubs that jack up their prices every time there is a holiday. This March Break, choose a less-traveled getaway spot like a small town bed and breakfast, a downtown hotel or even a “staycation” at home.

3. Be Smart About Your Departure Date – With most people hustling to buy getaways to popular locations, airlines boost their ticket prices right before March Break begins. Keep more money in your pocket by leaving on Monday right when the week has already started. This is a really smart move and can save you a lot of money in transportation.

4. Bad Credit Loans – With so many people stigmatized by poor credit ratings, bad credit loans may be a solution if you are struggling to enjoy at least one free week this year. Secluded beach resorts or buzzing urban escapes are all waiting for you just around the corner. A bad credit loan can be a relatively good option compared to using your credit cards to fund your short getaway.

Saving money on your March Break getaway can be easy if you make smart decisions and get a little creative. The best strategy is to be flexible when it comes to the timing and destination of your vacation, and you’re sure to have a great end-of-winter getaway!