5 Frugal Living Tips for Getting Your Family Through A Tough Time

Tough times can hit just about any family at some point. A lost job, a medical emergency or an altogether down economy can create financial stress. 

There are, however, ways to deal with these difficulties. No matter what the situation is, having financial difficulties is no fun at all and can be really hard to deal with. 

Here are five tips that could help.

Cut Expenses To The Bone

Most families have a fairly substantial amount of fat in their budgets. Whether it's a daily latte at an expensive coffee shop or a super duper expanded cable package with just about every pay channel imaginable, there are ways to cut down on expenses. 

The first step in the process is figuring out where money goes every week or month. Then, the second step is to see what expenses are needs and which are wants. Basic food and hygiene products, clothing, shelter and transportation are needs. 

Just about everything else is a want that should be eliminated until your finances improve.

Downsize

Housing is one of the biggest expenses that a family will have. At times, this can take up to 50 percent of a family's budget. 

Downsizing to the cheapest available living arrangements without sacrificing safety is a good way to get through tough economic times. Once you do this you will be able to see a significant increase in your finances. Downsizing may be hard for a while, but it can be well worth it in the long run.

Sell Unneeded Items

With online retailers like Amazon and eBay, it's possible for just about anyone to reach a global market. There is a very good possibility that there are some unused items lying around just about any home. 

As it's frequently said, one man's trash is another man's treasure. Putting these items online or holding a garage sale can be a great way to bring in some cash to smooth out a financial emergency. This can be a super easy way to get some extra cash.

Get a Side Job

The freelancing economy can be a great way to access some additional cash on a regular basis. While you're not likely to get rich overnight, there are some great options to find jobs that pay. 

Freelance writing, coin grading, like that done at Rocky Mountain Coin Inc., or driving for a service like Uber or Lyft can pay off and provide that little bit of income that's necessary to make ends meet.

Check Out Charities

Those who are really stressed out by limited finances can sometimes find help through local religious or nonprofit organizations that are intended to help those who are in dire straits. 

These groups are set up to benefit those going through a tough time, so it's a great idea to benefit from them if you meet their qualifications. So make sure to see out help if you need it and see if you meet the proper qualifications. There are so many different resources out there for those that are struggling financially. 

That is why it is essential to do your research and find the best help center for you. Just remember that you are never alone and you don’t have to be.

No one knows when a layoff might hit or how long it might take to find a job after getting a pink slip. Those who know where to look for help can weather the storm more successfully than those who do not. These tips can provide options that can allow you to navigate a difficult financial situation.

Memorial Day 2016 - A Time to Remember Those Who Made the Ultimate Sacrifice

Graves at Arlington National Cemetery

Memorial Day started as Decoration Day-- intended for placing flowers and other mementos on the resting places of friends or family who died while serving their country. 

We recognize them for the exceptional sacrifice they made to protect this country. We care for their families and friends with grateful, understanding hearts, acknowledging the enormous loss they have suffered.

Memorial Day 2016

On the morning of Memorial Day, the U.S. flag is raised quickly, then slowly lowered to half-staff to commemorate the more than 1 million we've lost in battle, almost half of them on our own soil in the Civil War. 

At twelve noon, the flag rises again, a pledge by the living to hold their memory alive and to continue the fight for liberty and justice.

The First Memorial Day

There are competing claims to the first Memorial Day, and many of the stories are tough to confirm. However they all have their foundation in reverence, and a desire never to forget the great price of guarding what's most valuable to us.

With such thoughtful roots, it's odd that Memorial Day has expanded to herald summer, observed with parades and shows, remembered with barbecues and first vacations to the beach. 

Not so odd, however, when we consider these festivities as a vital part of the life we prize, and part of what many died protecting.

So, while remembering the service men and women who never made it back, let's always keep in our thoughts and feelings the multitudes who continuously serve, and those who have become civilians. 

So many of them need help and support, and they have to know how profoundly we value exactly what they have done for our sake.

Memorial Day History

Memorial Day was created to honor fallen soldiers of the Civil War communities in the North and South. The first memorial days started in 1865 by laying flowers on headstones in the months after the war ended. 

It quickly evolved into an annual tradition, "Decoration Day" was typically set for early summer. The day eventually became known as Memorial Day and it now honors American soldiers killed in all wars and conflicts.

The first Memorial Day celebration was held in Boalsburg, Pa., Waterloo, N.Y., Carbondale, Ill. and a few other towns, including Richmond and Columbus, Ga. they lay some claim to originating of the tradition. Historians haven't settled on a definitive answer, though in 1966 Congress declared Waterloo the "birthplace" of Memorial Day

How To Get A Loan Without A Bank Account

When it comes to loans, there are many people who have different kinds of questions. These days, there are many people who take financial help from the loans. 

It’s impossible for them to limit their spending on their wages. We all know that you can easily take a loan if you have a bank account. These types of loans are called unsecured loans. You don’t have to give any kind of security on them. 

The lender will give you money on the behalf of your bank account and unfortunately if you fail to return the loan, they will have the power to get hold of your account and cease them to retrieve their money. 

Is it really possible to get loan without Bank Account

It seems like an unfathomable idea to get a loan without having a prior bank account. At least that is what we have known for the better. 

Surprisingly, that is not the case. It is definitely very hard to get loans without having a bank account. This is because your bank credit deems you worthy of getting a loan or not. This does not mean that you can’t get any loan without having any bank account. 

It’s not mandatory. You still have the chance to get the loans. However, there are some more rules and regulations regarding this whole idea.

Following are the ways to do that:

1. Secure loan:

Secure loan is the type of loan in which you have to give some kind of security for that loan. 

This means that the bank is no longer held responsible in case of any mishap. You have to give your security by yourself and it could be in the form of your property papers or the company’s shares. 

That depends upon the worth of the loan. If you fail to return the loan, lenders will have the right to cease your property and get their money back by selling it.

2. Payday lenders:

Many people live on paychecks to paycheck basis. There is no shame in admitting to that. You can always get a loan from a payday loan if you do not have a bank account. 

Most payday lenders require only that you have some proof of stable income and they provide you loan on the basis of that.

3. Auto loans:

You would think that getting a car loan would require you to have a bank account because you would be taking a loan amount in thousands if not more. 

Well, surprisingly if you have a proof of a stable income, then you can get a Car Title Loan from some banks. The interest rate on such a loan will most probably be much higher and the borrower will have limited options in this whole deal. 

In case of on repayment of loan, the lender can re-claim the car. 

4. Student loan:

Although you do not have a bank account, you can still get a student loan. The interest rate of this loan will be higher than that of the loans which are given to people who have a bank account.

How to Get a Cash Loan And How to Make the Most of it When You Get it!

The fact is that people do need cash loans and they need them quite frequently. Why should this be? 

Well we live in a world where salaries are being pegged back but the cost of living, although not thankfully at record breaking high inflationary terms as in the past, still pushes up. After all when things are tight even a tiny inflationary increase can hurt. 

Then there are the life changing events that hit you out of the blue, that you could not have predicted – an employer contracts his business out of the country, illness strikes a family member – there are many such examples. 

Sometimes you need a small amount just to tide you over a temporary difficulty, sometimes a larger sum for a bigger objective. The question is – who and where do you turn to? Let’s look at a few possibilities.

Obtaining cash from family and friends

This is of course awkward and embarrassing. However if you have a family member, perhaps an uncle or grandfather who was planning to leave you something anyway or was intending to invest and you can offer him a similar rate of interest and be prepared to have a proper loan agreement with agreed payment dates, then it could be possible.

If this isn’t a possibility you are going to face higher interest rates and more restrictive conditions. The really important thing is not to continue the loan any longer than you have to – if you can pay it back within one month that is great.

Unhelpful banks

Now of course you could go to your friendly neighborhood bank and ask them for one of their cash loans. 

But the facts of life are that banks have increasingly less time for small private customers and indeed for small businesses and especially if you have a poor credit record you are more than likely to encounter a juvenile bank employee who will tap for ages into his (or her) computer and then inform you that it’s no go.

Your best bet

If you want to know the easy way to obtain cash loans, you should find out more about car title loans which tick all the boxes for easily obtainable cash loans. 

These cash loans are financed by the unused-up value in a privately owned car and thus anyone who owns a car which isn’t old enough to be in the history books and has the documentation to prove it is well in line to receive one of these cash loans.

The choice of loan is very wide indeed; starting at $2600 and going right up to $20,000. 

You can get a fairly good idea of the amount you will receive for your car by trying out the app on this website which is linked to Kelley’s Blue Book, the authority on second hand car values. 

Once your loan has been pre-approved, nearly all of our customers receive their cash within one hour of making application.