Caldecott Money Lender
Licensed moneylenders exist to help people with their short term cash needs. You may need it for a medical emergency while another may need it for their business expansion.
For any reason that you require a loan, banks and financial institutions are there to assist you. However, there will be times whereby banks are unable to help at all. As such, legal money lenders are here to help fill in the void.
If you are looking for a caldecott money lender, let us know. We will be able to help you find a good licensed money lender near to caldecott.
There are many license money lenders but it is hard to decide on which one to go with. Let us help you shortlist and you can choose which lender you like to go with. Or you can compare the shortlist to see if you will be able to find one that you like. So many money lenders in Singapore and so little time to choose from.
Covid 19 Crisis
The Covid 19 crisis has affected many people. If you thought your job is secured, think again. Due to the virus, many people have lost their jobs. This has caused them to be lost, unsure of what to do next.
If you did not have any savings before hand, you definitely will not have any savings for this period. Even if you did have savings, you will be eating into it right now.
Covid 19 has affected everyone’s daily lives. So what do you do when you lose your job?
After Losing Your Job and ethical decision making
Losing your job can be one of the scariest things that can happen in a person’s life. It can take a toll on your mental well being. If you have a family, this will make it even more difficult to deal with. Everyone needs money to survive. Panic and fear will take control of your mind if you let them. Remember that it is not the end of the world. More than likely there are better opportunities for you. Taking the right steps can give you peace of mind. Follow some of these advices, and it may be helpful to you to avoid some stress
File for unemployment immediately
Many people encounter issues with trying to get approved for unemployment. The sooner you are aware of any obstacles, the better. If you were wrongly terminated, it is vital to gather any proof that will support your case. The unemployment department does not favor any party, so they will give you a hearing to prove your case. If you have witnessed even better. Also, file for food benefits because you are likely to get approved.
Update your résumé and start applying for new jobs
Do not indicate anywhere that you were terminated. The law protects you. The longer you wait to get a new job the harder it will be. Take advantage of your network and let everyone know you are looking for a job. Start applying to a favorite job that will take you back. This is undoubtedly the most challenging part of losing a job.
Call your creditors and let them know that you have lost your job
Some creditors may give you deferred payments. Many won’t, but it is worth a try. Utility companies often have programs for lower income customers. Make all of your payments on time for as long as possible. You do not want your credit to suffer. If you cannot pay all of your bills to prioritize them, some bills will be more critical than others. Housing and food must come first.
Most of all stay calm
Losing a job can be traumatic and panicking will only make it worse. Keep assuring yourself that it was for the better and you will find a better job. Positive thinking is the key. Human beings are unique and capable of getting anything they want. All it takes is some hard work and positive thinking. When one door closes, another will open.
Making sound financial decisions in financially tough times
Financial stress can either paralyze us into taking no action when we should or cause us to make poor, impulsive decisions. When we are in a flourishing economy, it is so much easier to recover from any bad decisions we might make. However, when things are tough, there’s not as much room for error, and a misstep will take a longer time to recover from financially. Below are six steps that will help you make good decisions during financially tough times.
Know what is truly important.
Ask yourself the question, what makes my life richer? For example, spending time with your children or your spouse, and staying healthy might be most important to you. Once you have clarity on what’s most important, it’s easier to make financial decisions that keep you in alignment with your life values.
Be proactive about your spending choices.
Look for ways to cut household expenses and before you buy, ask yourself Is this purchase essential? In addition, check to see if any loans or credit cards can be refinanced or consolidated to lower your monthly payments and interest rates.
Seek input from professionals.
The more research you do the better outcome you will have. Seek input from people who have more information and experience than you. Also, check into the possible tax or legal consequences of your decision. This is particularly important if you are considering a decision on the disposition of property such as a short sale, deed instead of foreclosure, or going into foreclosure.
Check In With Yourself.
How does the decision feel? Do you have any nagging doubts? Do you feel fear about making the decision? Ask yourself, “Have I gathered enough information to feel good about this decision?” Every person I’ve ever met who made a financial decision that resulted in the loss of money, time and energy admitted that they ignored their small voice or that feeling in the pit of their stomach.
Make decisions based on where you are now.
Making decisions based on where you are now means don’t spend money until you have received it no matter how certain it appears – whether it’s an inheritance or a for sure commission check. Avoid using your credit cards if you are unable to pay them off each month. Being cautious about the future means that even though your job may seem secure or your business is doing well, stay alert to the fact that we are in a more robust, uncertain economy and make your decisions with this in mind.
Good Self Care will keep you creative.
Self-care can be excellent, imaginative play. You may feel that since things are rigid, you don’t have time for this; however, when we are in a creative state we are able to see things more clearly; we can see other perspectives and are more adept at finding creative ways to solve our problems or challenges.
Develop a daily practice of some soul-soothing activity. It might be painting, playing a musical instrument, playing golf or other some other type of sport. Explore what you can do on a daily basis that will keep you vibrant emotionally and in your most creative state.
Remember, if you are one of the millions who are experiencing financial stress, this is an excellent time to challenge yourself to stay positive and find creative solutions to challenges as they arise. Stay calm in the knowledge that everything will eventually come around.