Accidents are traumatizing, and no one would ever wish to get involved. It damages property, along with causing harm to those involved, sometimes death. Sometimes the inconvenience may be great, needing police, and lawyer intervention. Most collisions involving another car don’t leave one with injuries. However, you will have to spend money on repairing damaged parts of your vehicle and even compensate the other driver if you were the at-fault party. Also, it can be overwhelming if you have to deal with the other driver’s insurance provider. But don’t worry, settling with the other driver doesn’t need the involvement of insurance firms.

So, do you need to settle the accident with or without insurance companies?  

The best thing to do after an accident would be to consult a professional. This will help you if you aren’t sure of what to do. An experienced car wreck attorney will tell you the best decision that suits your case, usually at no fee. The process will involve financial recovery and protection of your future.

No insurance? How can you settle a car without it? 

During a car accident, the at-fault party should be liable for the damages that occurred. Some cities even require you to keep liability insurance. It is auto insurance that covers any injury and damage to property. The insurance company that the at-fault party registered with settles with the victim in the absence of an attorney. You may have auto insurance, although it is not necessary to use them to cover an accident.

Check out the following before you decide to use insurance companies or not.

Accident severity – It only makes sense to exclude insurance companies if the accident is minor. Bodily damages suffered due to an accident can be costly to treat; hence you may need an insurance cover to cater to such. Some injuries are minor and may not need to involve your insurance provider in claim filing. If you do so, you may spend more. A mechanic can tell you if your car damage is minor and if it doesn’t require you to involve your insurance provider.

Accident intricacy – Sometimes, it may be difficult to tell who is the at-fault party in the accident. This may cause disagreements hence requiring lawyers and insurance firms to get involved. Simple accidents amicably can prevent spending money and save both party’s time.

The other party’s conduct – Both parties must agree if they want to settle the car accident without involving lawyers and insurance firms. However, think twice when a driver offers you instant cash or directs you to repair your car at a specific mechanic shop. The costs could be more and may need insurance intervention. Both of you can also agree to file claims with your insurance company based on the accident. This is important if you want to get a coverage claim from them.

Before you settle your accident, ask yourself these questions. Is it the right thing to do based on the severity of the accident? Are you sympathetic because a relative or friend is the at-fault party and would like to settle it privately? Are you the only cause of the accident? Taking photos of the damage after an accident is a great way of exchanging information with the other party. Ensure you retain all relevant documents concerning the accident to help you budget for the expenses if you don’t want to use insurance. Ensure you have a legally binding document to know your payment terms, signed by you and the other party involved in the accident.

Conclusion

Surviving a car accident brings lots of questions on what action to take next, especially if it wasn’t your fault. Minor damages can be solved by both parties agreeing to settle things amicably minus the need for insurance. Sometimes both parties may involve lawyers and insurance companies if the situation gets out of hand. This is why Atlanta car wreck lawyers handle complicated cases to ensure their clients get just and fair outcomes in injury cases. Most of these lawyers give information at no fee to let you know what to expect if you intend to proceed.

 

The average person spends at least six hours online in a day. Random net surfing, shopping or interacting with friends on different social media platforms are just a few of the numerous activities we do. But what if we tell you that you can use your online time to make some extra cash?

In this article, we give you a rundown of a few online activities that you can participate in and possibly win big. With most activities, winning can either be based on chance, luck, or skill. Simply explore the option that appeals to you the most from our list of examples below.

Online Casino Games

Online casino games are very popular among a large group of people. That’s why you’ll find multiple online casinos to pick from. The question is: are they reputable? As you know, with any online activity involving monetary transactions, there’s a risk of getting scammed.

To protect yourself from dodgy individuals, be sure to register only on legit online casinos Canada, Europe and America offer. Consider how long the site has been operating for, read up on a few reviews and ascertain if it’s indeed legitimate.

Upon registering, you instantly open yourself up to a world of potential jackpot winnings depending on how lucky you are of course. Either way, it’s fun!

Online Gaming

If you’re more of a gaming enthusiast, then you can consider playing online games to win some money. Paid Game Player, Swagbucks and Slingo are just a few examples of online gaming activities that allow you to win big.

Again, we can’t overemphasise the need to register with legitimate sites to avoid being swindled of your hard-earned cash. Most gaming sites offer free membership. Simply register and you’ll be able to play against other gamers or participate in different tournaments depending on the online game in question.

Online Crossword Games

What if you’re not into gaming or gambling, but love playing around with words? There are several online crossword games you can play and win big in the process.

Wealth Words is among the most popular online word games you can play. Just make sure you’re above 18 and your vocabulary game is top notch. You can play the game conveniently at any time and from anywhere as long as you have a strong Wi-Fi connection.

Final Words

There’s clearly an online activity for everyone. You simply need to discover where your interests, talents, skills and luck lie. Do you have a knack for brain games or numbers? Maybe you’re confident in your lucky streak?

The internet is there for you to explore. Instead of spending hours and hours online on unproductive activities, why not attempt to make money in the process?

But we can’t stress the importance of visiting reputable sites before you join. As you know, the internet is filled with scammers.

With that said, which online activity from our list are you keen to try out? Let us know in the comments section below!

 

 

Shopping for a gift can be overwhelming, especially if you have no idea what to buy. Enter gift cards.

Gift cards can be a fantastic present because they enable people to buy exactly what they want. As long as you know where they prefer to shop, you can hit the bullseye with a gift card.

Here are some of the most exciting The Gamers Fate gift cards that your friend or loved one will actually use. 

1. Amazon Gift Card

Who doesn’t like shopping on Amazon? You can get pretty much anything at its online store, from electronics and household items to apparel and books.

With an Amazon Gift Card, your gift recipient can choose from literally millions of different items. They can use them anytime, which is perfect if they want to wait for a big sale. Who said that gift cards have to be boring?

2. Xbox Game Gift Cards

Gamers love getting new games, right? But if you have no idea which game your gamer wants, you can simply get them a gift card.

Gift cards for Xbox games are ideal for anyone who owns an Xbox device. At The Gamers Fate, you can get an Xbox Live Gift Card for downloading games, game add-ons, apps, TV shows, and movies. The card even allows purchasing various devices from Xbox and Microsoft Store.

There are also other Xbox gift cards for a wide range of games. You can get a card for Fortnite, World of Warcraft, League of Legends, The Elder Scrolls, FIFA 19, and more. Of course, that’s perfect only if you know which game your gift recipient is eyeing.

3. Steam Wallet Gift Card

Here’s another excellent gift for gamers. But don’t worry – even if you’re not familiar with Steam, your gamer friend certainly is.

On Steam, you can add funds to your account to purchase games and add-ons on the platform. You do that with your digital Steam Wallet.

If the person you’re buying a gift for has a Steam account, they could use a Steam Wallet Gift Card from The Gamers Fate. They can use it to add credits to their digital wallet and pick from more than 2,000 games. Who wouldn’t want a gift like that?

4. Nintendo eShop Gift Card

You’ve certainly noticed a pattern here – yet another gift for gamers. That’s simply because games can be very expensive, and gift cards can significantly reduce the prices.

Also, who’s not a gamer these days? Even if your friend or significant other doesn’t play them all day long, they might enjoy relaxing with a good game from time to time.

If they love Nintendo games, get them an The Gamers Fate for the Nintendo eShop. They can also use it on the official Nintendo site anytime.

5. iTunes Gift Card

iTunes gift cards are very popular, but they’re not just for music lovers. Apart from streaming and downloading songs, people can use them to stream and download movies, TV shows, and podcasts.

What’s more, they also work in the App Store and Mac App Store. Even the Apple Books Store (formerly iBook Store) supports them, so your friend can have access to tons of books and audiobooks.

6. Google Play Gift Card

If you’re buying a gift for an Android user, a Google Play Gift Card might be your way to go. Like with iTunes, this card is for buying apps, games, songs, books, audiobooks, and anything else Google Play offers.

For instance, there is plenty of premium fitness, wellness, and meditation apps that your friend might like. There are also awesome games with in-app purchases that enhance the gaming experience. You can really never go wrong with such a gift.

7. Netflix Gift Card

A Netflix Gift Card from The Gamers Fate is also a fantastic choice for a gift. It’s perfect if your gift recipient is a TV show or movie enthusiast (who isn’t?), but doesn’t have a subscription yet.

This gift card would provide them with access to unlimited Netflix content that they can enjoy anytime and anywhere. Gifting a Netflix membership to someone special is certainly a great way to show them you love them.

Keep in mind that it’s not a lifetime membership. It only pays for a limited time, but it would still make them happy. 

Found Your Perfect Gift?

Each of these gift cards can be a perfect gift if you know what your friend or loved one likes. The cards give them the freedom to choose their own gift from their favorite online stores.

The best part? These gift cards don’t have an expiration date. That special someone can use your gift anytime, which is ideal if they don’t even know what to get just yet.

Studying at a college does not come cheap. Even if you’re on scholarship or you have access to loans and grants, you still need to spend on other academic-related expenses. But the good news is that there are several ways to earn money on campus.

Regardless of your schedule or time, some opportunities or apps provide easy options to earn a few extra cash to cater for some of your needs on campus. This article will show you six easy ways to make some extra bucks in college.

Six easy ways to make money in college

1. Apply for a work-study job.

There are several part-time jobs that you can apply for on campus. These jobs are funded by the government, are designed with your academic calendar and schedule in mind. The gigs include administrative positions in any of the offices on campus or working as a receptionist. Submitting the relevant credentials to school authority will get you qualified for a work-study job on campus.

2. Educate other students

If you’re exceptional at any or a subject, you should consider tutoring one of your classmates or any other student. You can look up opportunities at the offices in charge of employment, department offices at your institution and other schools within your locality. Furthermore, you can register to be a tutor at popular academic sites such as Tutor.com,Tutorvista.com, VIPKID, Chegg Tutors, and other. These sites are reliable and you also determine the rate of payments.

3. Pick up driving jobs

You can become a driver if you have access to a good vehicle. Nowadays, there are sites like Uber and Lyft that make it easy to pick up driving jobs. The good thing about working through such sites is that you not only get to work as your own boss, but you can be flexible with your schedule.

4. You can go on errands or Make food delivery.

Many people are are looking for certain help and are willing to make payment for such services. You can register do all the tasks for the people in your area via services like TaskRabbit. Some of the everyday functions are as follows; installing TVs, assembling furniture, or going to the shop.

Food delivery is a lucrative business that is widely accepted with the advent of apps like Eats, DoorDash, Postmates, and delivery of grocery with the use of Amazon and Instacart. You can join these services online by registering with them and then set your working schedule.

5. Apply for a pet sitting job or house sitting job.

There are many popular sites like Care.com and Rover that connect homeowners with a potential online pet or homesitters. A lot of people out there will make payment to a person that is capable of staying in their house and looking after things when they outside their city. This can include simple tasks like picking up mail or other jobs like looking after their pets.

6. Try editing and proofreading of your peer’s papers.

Many students find it challenging and are looking for help with essay. Hence if you have a strong background in content writing, you can help to proofread or edit the essay of other students in exchange for an agreed sum of money. Offering this kind of service is an excellent way to make a few extra bucks.

Final words

Besides these six ways, other jobs can make you some cool bucks in college. Every student needs to engage in at least one side hustle that can help them take care of some of their college bills. You must, however, consider how this jobs will fit into your schedule to avoid clashes with your classwork

 

The Canadian gold maple leaf coin is one of the most sought after gold coins in the world. To discover a few interesting facts about the Canadian gold maple leaf coin, simply continue reading.

The Canadian Royal Mint first started producing the gold maple leaf coin in 1979. To this day, the Canadian Royal Mint continues to produce the ever popular Canadian gold maple leaf coin. The Canadian gold maple leaf coin is issued once a year.

It has a face value of 50 Canadian dollars:

While some gold and silver coins have lesser values of $10 or $20 dollars, the Canadian gold maple leaf coin features a face value of 50 Canadian dollars. However, as gold is priced by weight, each Canadian gold maple leaf coin is worth far more than $50.

In 2007, the Royal Canadian Mint produced a gold maple leaf coin which featured a $1 million dollar value, instead of a $50 dollar value. This collectible coin is estimated to be worth approximately $3.5 million dollars. It is 50 cm in diameter and 3 cm thick.

If features a portrait of Queen Elizabeth the II:

As Canada remains a commonwealth country which is governed by Queen Elizabeth II, the reverse side of the Canadian gold maple leaf features a portrait of Queen Elizabeth II.

The age of the queen varies depending on the year which each Canadian gold maple leaf coin was produced. The gold coins which were originally produced from 1979-1989 feature a portrait of Queen Elizabeth II when she was 39 years old. While the coins which were produced in 1990-2013 featured a portrait of a 64 year old Queen Elizabeth II. Finally from 2014 to the present day all of the Canadian gold maple leaf coins which are produced feature a portrait of a 79 year old Queen Elizabeth II.

So you’ll be able to tell how roughly how old a Canadian gold maple leaf coin is, without looking at its date of issue, simply by seeing how old Queen Elizabeth II seems to be. On the reverse of your coin.

It features as maple leaves are synonymous with Canada:

It may not come as a surprise that the Canadian Royal Mint and the Canadian government chose to design a gold coin, which features a maple leaf. As the maple leaf features on Canada’s flag and has always been seen as one of the official symbols of Canada.

Purchasing Canadian gold maple leaf coins:

Collectors around the world collect Canadian gold maple leaf coins as they are seen as a stable, sought after coin to collect. So if you’re looking to expand your own coin collection, it’s a wise idea to purchase a few gold maple leaf coins. One platform which you can purchase Canadian gold maple leaf coins from is Lear Capital. Is Lear Capital legit? Yes, it was first established back in 1997 and has processed over $3 billion dollars of transactions in over 20 years.

 

Budget 2020 has brought about several changes in the tax structure of India. Read on to know more about how the changes proposed in this year’s budget.

Budget is one of the critical events in the country that every taxpayer pays attention to. While some want the amount in tax slabs to be increased, others wish to the interest rate to go down. Things were no different with Union Budget 2020 too. Everyone wanted to see how the finance minister will help the citizens save money. The Govt has reduced tax rates of almost every salary group. However, the new budget is only for those who can let their exemptions go. For the ones who want to claim exemptions and deductions, they can pay tax with the old rates. The Govt has allowed the citizens to pick between the old and the new income tax rate.

Here is the income tax slab 2020

• People earning up to Rs. 5 Lakh don’t have to pay any tax. If their salary goes above Rs. 5 Lakh, then their tax slab will begin from Rs. 2.5 Lakh.
• People between Rs. 2.5 Lakh and Rs. 5 Lakh must pay 10% tax.
• Salary group between Rs. 5 Lakh and Rs. 7.5 Lakh will have to pay 10% tax.
• People who are earning between Rs. 7.5 Lakh and Rs. 10 Lakh must pay 15% tax.
• Salary group between Rs. 10 Lakh and Rs. 12.5 Lakh must pay 20% tax.
• For people in salary group between Rs. 12.5 Lakh and Rs. 15 Lakh, they must pay 25% tax.
• People earning above Rs. 15 Lakh must pay 30% tax. The tax rate for this salary group is the same as it was in the old regime.

Taxpayers must pay less amount with the new regime compared to the old regime. Here is a comparison between both the regimes-

Salary	New Tax Regime	Old Tax Regime
Up to Rs. 2.5 Lakh	Nil	Nil
Rs. 2.5 Lakh to Rs. 5 Lakh	5%	5%
Rs. 5 Lakh to Rs. 7.5 Lakh	10%	20%
Rs. 7.5 Lakh to Rs. 10 Lakh	15%	20%
Rs. 10 Lakh to Rs. 12.5 Lakh	20%	30%
Rs. 12.5 Lakh to Rs. 15 Lakh	25%	30%
Above Rs. 15 Lakh	30%	30%

However, the new income tax slab rate is only for those who will leave their exemptions. If people want to claim exemptions, then they can pick the old tax regime.

Here are some exemptions that are left out in the Union Budget 2020

• House Rent Allowance
• Housing Loan Interest
• Standard Deduction of Rs. 50,000
• Section 80C Deduction of Rs. 1.5 Lakh
• Leave Travel Allowance
• Medical Insurance
• NPS Contribution Deduction of Rs. 50,000
• Savings Bank Interest under Section 80TTB of Rs. 75,000
• Education Loan Interest
• Disability Deduction of Rs. 75,000 to Rs. 1.25 Lakh

The Govt has allowed some exemptions that can still be claimed

• Standard Deduction on Rent
• Life Insurance’s Income
• Leave Encashment on Retirement

The income tax exemption was different for three age categories in the old regime. However, it is the same for every age category in the new regime. The exemption limit was Rs. 2.5 Lakh for people below 60 years of age in the old regime. It was Rs. 3 Lakh for people between 60 to 80 years of age. For people above 80 years of age, it was Rs. 5 Lakh. In the new regime, the amount is Rs. 2.5 Lakh for every person.

 

According to Oxfam, 30.4 million South African’s live in poverty. Although the Rainbow Nation has long fought to achieve equality, the country still faces a great wealth divide. Black African women are particularly affected by this wealth gap, with 49.2% reported to be living below the poverty line in 2015.

South Africa’s unemployment rate is another factor affecting personal finance in the country. Currently standing at 26.7% of working adults, unemployment is a particular issue for South African youth, 55.2% of whom are not currently in work.

Amidst these – and many other hot button issues – a fight for financial inclusion is taking place. Supporting citizens to become informed about finance and access financial services is now the goal of many charitable organisations, government schemes and corporate outreach initiatives. Although increasing financial inclusion does not directly alleviate the problem of poverty, or increase job opportunities, this approach may empower consumers to make more informed decisions regarding their personal finances.

This empowerment may have many benefits. Consumers with enhanced financial literacy are less likely to fall prey to scams, or choose inappropriate financial products. By ensuring all South Africans have the tools they need to access and accurately evaluate financial services, the country may help individuals escape potential poverty traps.

Access to finance products

Financial education and access to financial services are the two cornerstones of financial inclusion. Across the 1.2 million km squared nation, many of the most financially vulnerable live in areas where services are less accessible. From basic current accounts, to access to regulated loan products, 11 million South Africans are currently unbanked or underbanked.

Technology is rapidly transforming this picture. 4G is now available across the majority of the country, and 80% of the population are believed to have access to smartphones. These figures will continue to rise, gradually reaching the poorest and most isolated communities, where access to digital financial services could at last provide people with convenient access to banking products.

Although South Africa’s “Big Five” traditional banks currently dominate financial services, a raft of new digital services are now entering the market, including short-term loan providers ‘Wonga’ and new digital bank ‘Bank Zero’, supporting remote access to financial products.

Boosting financial education

As financial products become more accessible, formerly financially naive consumers require financial education to ensure responsible use of such services. With 0.4% of all financial service companies’ after tax net profits going towards consumer financial education (in line with the Financial Sector Code), increasing funding is available to support South Africans in becoming informed consumers. In 2018, spending on financial education for consumers totalled an impressive R153 million.

But is increasing access and education paying off? The coming years will be critical in assessing the effects of burgeoning financial inclusion upon the South African population. If positive results are to ensue, education and access must come hand in hand, to ensure new communities have the appropriate skills to benefit from fresh access to services.

 

When it comes to businesses, loans are generally used to help achieve goals or even start up a business. A loan is a monetary amount that can help businesses by producing essential cash flow. Loans, in the traditional sense, are taken out by companies when they fall short on a payable amount for business necessities. This includes taking our loans for working capital, equipment purchase, or research and development purposes. Business can have different levels of cash flow necessity and therefore, needs for different kinds of loans.

What is the Difference Between Long and Short-Term Loans?

To put it simply, a long-term business loan is, as the name suggests, a loan that is made for a more extended time period. Long-term business loans usually include a large amount of information and data about your business, its plans, and past, current, and future financial plans. A lot of detail goes into accessing long-term loans as the creditor can be at risk for inserting their money into a business. However, this type of loan can be necessary for businesses planning significant changes or extensions. Long-term loans usually have long payback periods. Multi-year payback periods can last for a very long time; sometimes it can take decades to pay back these loans. While the interest rate on long-term loans is less than short-term ones, the interest ends up being higher due to them longer payback period.

A short-term business loan, on the other hand, may have a higher interest rate for payback periods, but ends up being much quicker and less costly to pay back than a long-term loan. Short-term business loans are generally much easier to secure. They are designed for quick access to short bursts of financial aid, especially geared towards small businesses. They pay off period for a short-term business loan is generally from one to five years. It can be paid off in a lump sum, or installments, depending on the contract and payable amount.

What is the Purpose of a Short-Term Business Loan?

A short-term business loan is helpful in a variety of cases. A short-term business loan can be taken out when a business needs a large amount of money for a short period. A short-term loan can come in handy in case of an emergency, or an unexpected event. For example, a short-term business loan can help in purchasing inventory for a holiday period for a bakery. They will be able to stock up on supplies and raw materials which they can then use to create the materials required to sell. Buying and stocking inventory when they know demand is about to rise benefits the small business substantially. This is mainly an important example as it shows that business expected a demand increase and prepared for it. In turn, they will be able to create a larger than usual profit and pay off the short-term business loan easily after the holiday season.

Another example of a short-term loan during the holiday season, or for special occasions is giving employee bonuses. Businesses, whether big or small, tend to give out holiday bonuses, which can be a great source of motivation and morale for employees. During this time, it is possible that a business may not have enough funds to give all the employees their deserved bonuses. In this case, a business can take a short-term business loan which they can then pay off as the company received cash flow.

How can you get a Short-Term Business Loan?

A short-term business loan is quite easy to source. The lender or creditor will require details for your business, which can range from the profit and losses statement to employee payrolls. The loaner will need to know the borrower’s loan history, including:

• How long it took to pay back previous loans
• Any current outstanding loans
• Complete details of all previous loans

Will you be able to get a Short-Term Business Loan for a Start-Up?

Short-term business loans are much less riskier than long-term business loans, and start-ups have an easier time qualifying for them. Usually, the requirements for a short-term business loan for a start up will include financial statements for the period of the loan, projected cash flow statements, employee records and details of salaries, overhead and rent expenses, etc. The creditor may ask for collateral, which can range from the business owner’s possessions to the business itself.

What About Interest Rates?

Interest rates for short-term business loans can seem hefty. However, they end up being much lower than with any other kind of loan. The higher interest rates are a small price to pay for an easy alternative for a loan. Even though the interest for a short-term business loan is high, the high repayment can be avoided by paying off the short business loan as soon as possible.

Overall, the process for a short-term business loan is much quicker and easier than its alternatives. The time it takes to receive a short-term business loan is comparatively faster than any other type of loan. Even the repayment schedule is on your terms and can be paid back in as little as one month! This can drastically cut down the interest payable on your loan repayment! However, this may be difficult for some businesses as the loan repayment schedule is usually spaced closer together than with other repayments, making the frequency of repayments higher.

Before opting for any business loan, it is imperative that you thoroughly research what the best option for your business is. There are many different loan options but if you are looking for short-term business loans, be sure you find the right place to get one!

 

 

Did you know that you can bet on many great online gambling sites from Canada? Many of them even accept Interac, so you can just pay in a flash. However, if you are looking for other banking methods, do not worry. If you have identified your best casino gambling site in the country, here are some of the other safe banking methods you can use.

#1. Instadebit.

As soon as you set up your new online gambling account, you can transfer your funds through Instadebit. It is fast, and there are no transaction fees which are incurred. You will only click on the Instadebit logo on your account, and you can top up your account. Instadebit uses the latest technology of SSI, which ensures that your funds are secure.

Also, after signing up with them, you need to write down your bank details when you fill in your application form. Instadebit is easy to use, and is popular among many Canadians.

#2. UseMyBank

UseMyBank is an accessible mode of banking payment for Canadian online gamblers. If you love to play poker, then it is an ideal option. Using this form of payment is easy because you will only require to provide your bank details.

Also, you will provide your current telephone number and email address. Do note that all the details you give out to UseMyBank should be valid. Transferring funds is simple because you will only click on the logo of UseMyBank on your online casino account. However, there is no withdrawing option with this method.

#3. Click2Pay

The Click2Pay option is a prevalent banking method in some of the world’s leading online casinos. Once you provide details to Click2apay account, you can deposit funds to your online casino account. Also, you can track your activity by checking the account’s history.

#4. Credit Cards.

For a long time, Credit cards have always been the number one option for most Canadian online gamblers. Most of the online casinos accept credit cards such as Visa and MasterCard to deposit or withdraw funds. The process is quite easy because you will enter your card details once instead of having to enter them every time you want to transact.

The charges for credit cards are relatively small compared to other options. On your cashier online casino account, you will get the credit card option, and you can check if your credit card is a viable payment or not.

#4. Ukash

Ukash is a banking option that uses a prepaid card for a large number of Canadian online gamblers. The cards are available online. You can purchase the card online, and 19 digits unique number will be sent to you via SMS. That number will be your identification number. Ukash is similar to Paysafecards, and you have the option to choose your denominations from as low as CA$10. The best part is that there is no limit to the number of Ukash cards which you can have.

Which of these banking methods have you already used?

To read more on topics like this, check out the money category

Summer is the easiest season to reason with somebody as to why they went on a two- to three-month-long overspending campaign right when warmer weather started coming around earlier this year. According to a survey from ING, the general public also believes that they are more likely to spend more money throughout summer than any other season. So, it’s understandable why you overspent. Here are five ways for you to reset your finances and get back to normal.

Bring Credit Card Utilization Ratios Down

Every credit card has an upper balance past which customers can’t spend any more than. When people max out their credit cards, their credit scores take a hit due to the increase in credit card utilization ratio. You should not have more than 30 per cent of your maximum credit card balance taken out at any time, as doing so substantially lowers your credit score. Thirty per cent is an ideal ratio if you’re looking to build a credit history, by the way.

See If Your Credit Report Is Correct

Since you spent too much these past few months, you might not have noticed unauthorized transactions wedged between all the ones you made on your spending sprees. As such, get a copy of your credit report – if not three copies from each of the three major credit bureaus – and see if any debts do not appear to be accurate. You may find that one or more debt accounts were charged against you by mistake.

Set Up an Appointment With a Personal Finance Guru

One of the best ways to learn about succeeding in personal finance is to get individualized help from a personal finance advisor, analyst, or else-wise-named professional. The personal finance pro could help you see mistakes that you’re currently making that you had no idea were even bad ideas in the slightest.

Most city governments across the country offer free credit and personal finance counselling services. As such, you may be able to find such services where you live instead of having to fork over money for them.

Start Cutting Your Balances Down Immediately

If you don’t have any balance on any of your debt accounts, you will soon end up having a non-existent credit report. While this can be used to some people’s advantage, you should be crazy about obtaining a great credit score. The single most important factor in the calculation of people’s FICO scores, also known as their credit scores, is how much money they owe to creditors.

Don’t Apply for New Forms of Credit or Debt

Taking out short-term loans or money on lines of credit or credit cards is often a bad idea because they come with high-interest rates. Credit agencies reason that if people are scrambling to get their hands on loaned assets from multiple potential sources, they’re almost certainly going to make a bad decision with whatever money or valuable assets that they get their hands on.