For me, April is perhaps the most difficult month of the year in terms of spending. Although I consider the holidays or holiday periods to be the most expensive, a careful balance of expenses may indicate that in April, the budget must be managed very carefully because it is downright spoiled during this period.
First of all, it is only now that the bills for the winter are beginning to be felt. Whether you live in a block of flats or at home, they reach alarming levels after the cold periods impose much higher consumption than in the rest of the seasons.
Also, for us, I and my husband, the first two months of the year were not enough to cover the budget overruns caused by the winter holidays for gifts, meals, or holidays. Not to mention that a rather long period of discounts followed when the bargains kept catching up with us, then the month of lovers also contributed to reducing the wallet.
We must not forget, under any circumstances, to pay our debts to the state. It is the last chance to pay taxes, so we can benefit from discounts. For many, even if the term September also exists, now is the psychological threshold that must not be exceeded in order not to risk further delays generating penalties. Or, certain benefits, such as renting a parking space from the community, are conditional on the timely payment of debts to the state.
That is why I thought about loans and their benefits. But first, let me try to summarise all the widespread loan products and tell you what helped us overcome difficult times.
So, here is my shortlist of loans that we got:
- Payday loans - short-term loans to repay emergency costs like utilities, car repairs, and other expenses. You can borrow from $100 to $1,000 with a maximum term of 30 days.
- Installment loans - medium-term loans designed to cover more significant expenses like surgery bills and special events. We paid for our wedding with this loan, and it was wonderful. You can borrow from $1,000 to $5,000 with a maximum term of 24 months.
- Personal loans are considered debt consolidation loans, and we got them to repay all our debts. It was cheaper and nicer for us when we thought there was no end to our debts. The available amounts are from $5,000 to $15,000 to $35,000. And the maximum repayment term reaches 36 months.
Well, guys, if you have some questions about these loans, please contact us for more. We will tell you our stories, and you’ll see if it fits you.