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4 things I wish I knew about planning a wedding

April 2, 2020

Over here at Dinks Finance HQ, we’ve previously talked about the costs of getting married. It goes without saying that every girl dreams about the perfect wedding.

Unfortunately, studies have shown that a frightening number of couples have gone into debt all because they wanted to throw their dream wedding.

Being an expression of love and a once-in-a-lifetime (usually) affair, it’s easy to see why some folks want to splurge on the one magical day. However, from a financial standpoint, it’s not exactly prudent to get into debt just for a celebration.

Most of the time, your guests won’t remember the wedding and will usually have nothing but bad things to say about it. After the big day, couples would be left with a staggering amount of debt to repay just as they’re about to start a new life together.

Unless you’ve got some serious cash saved up in the bank, chances are you’re better off hosting a simpler, more meaningful wedding with the ones that actually matter.

It may seem insane to some, but when examined objectively, going into debt just to get married is one of the biggest mistakes that one could make. While we’re not against the idea of holy matrimony, we are against irresponsible financial planning.

So, if you’d still like to host that dream wedding but don’t want to break the bank, here’s a list of tips for hosting a wedding prudently.

1. Trim out the guest list

Weddings are a celebration of a couple’s love and while you may be tempted to include everyone you know; you’d be better served keeping the guest list small.

Each additional guest you invite is an extra expense that adds up over time. Don’t feel obligated to invite people just because you have to. Your wedding should be an intimate affair involving those who mean the most to you.

Apply the 20/20 rule and whittle down your initial guest list by 20% then re-reviewing it and reducing it by a further 20%. At the end of the day, you’ll be spending less on food and spending more time with friends and family.

2. Forget the gifts, get help instead

When my friend Jamie got married, he received a deluge of nice yet rather useless wedding gifts.

Who on earth needs to use 5 coffee makers and 3 rice cookers (his wife is from Malaysia)?

Instead of accepting gifts, why not ask for help from your friends instead. Forget hiring a band, why not get some friends and family with musical talent to provide the entertainment for the evening?

Your cousin has a side hustle taking photographs? Why not get him to lend a hand and save some money on the wedding.

When everything adds up, you’ll find that you’ve saved up quite a fair amount on additional services.

Of course, you shouldn’t cheap out when it comes to saying thank you. Organize a get together after the wedding with those who’ve lent a hand or offer your own services at their own weddings.

3. Pick a simple venue

Whether you’re renting out a hotel or a hall, the cost of booking a venue can be prohibitive, more so if you’re holding your wedding in a hotel. Picking a venue for your wedding is like making picks on NBA on BetAmerica.com: you should go with your instinct and avoid overthinking.

Forget all of that and instead opt for a simple ceremony at home or at the park. Home weddings are often much cozier and more intimate due to the smaller space.

Of course, before doing so, check with your neighbors to see if they mind. At home, you’ll be able to save on accommodation as friends and family can easily bunk with you.

In Malaysia for example, weddings were traditionally held at the home of the bride where everyone got together to cook the meals and prepare the decorations. The communal atmosphere of everyone getting together often made weddings homelier and more memorable.

Holding your wedding outdoors at a park can be equally special but you’ll need to have a backup plan in case of bad weather.

4. Prepare your own alcohol

Having an open bar wedding can be a costly affair. Typically, hotels and function halls are absolutely cutthroat when it comes to booze.

Instead shop around outside and supply your own alcohol. Oftentimes, you’ll be able to get better quality alcohol at much more affordable prices.

Getting married is one of life’s most memorable events. With proper planning and preparation, you should have no trouble hosting your own dream wedding.

Author: Benjamin Lee

Filed Under: LifeStyle

Save money with homemade cleaning products

April 1, 2020

If money saving tips knew that they were ten-a-penny, they’d find a way to be twenty-a-penny. Sorry, terrible joke. But it’s true. Advice on how to cut back on your daily, weekly, and monthly expenditures is rife. What it all boils down to is this: if debt is an issue, stop spending money on things you don’t need. Simple, right? Well, yes and no. Because what you need (if I remember correctly from my high school biology class), is food, water, shelter, and warmth. But squatting in an abandoned garage with a thick blanket and a plastic bag of groceries for company isn’t much of an existence. Which leaves us to wonder, what actually qualifies as a necessary expenditure? That’s why we thought we’d share tips on how to save money (visit site for extra advice) with homemade cleaning products – because we all need to clean our homes, and the cost of some of the more “TV-advertised” cleaning brands can be as eye-watering as the fumes they produce. Let’s get into it.

Use white wine vinegar as a multi-surface cleaner

White wine vinegar can tidy up a multitude of sins. From mould on the ceilings to other bacteria and germs that may swarm and multiply on kitchen and bathroom surfaces. Admittedly, the smell isn’t quite the same as you’d expect from up-market off the shelf brands, which tend to both promise and largely deliver on fresh and exotic scents that make your home smell like the inside of a peach. But savings are savings. And this is top tip.

Mix white wine vinegar with bicarbonate of soda for drains

A blocked drain is a smelly drain. And a smelly drain means a smelly house, because stenches do not typically stop at doorways and ask permission to enter the room. One blocked drain in a bathroom or kitchen can mean the whole house starts to pong within hours. Which would then be met with a swift dash to the nearest supermarket to purchase an expensive drain unblocker. Save the cash with a mixture of white wine vinegar and bicarbonate of soda. Job done.

Use bicarbonate of soda on its own to replace other household cleaning products

Bicarbonate of soda on its own is a fantastic all-rounder that can be used in place of most ‘cream’ cleaners. Not only is it a great substitute for bathroom surfaces (including PVC surfaces), you can count on bicarbonate of soda to de-grease any well-used oven grills or plastic food containers. Many people also report adding a little essential oil to their bicarbonate of soda to concoct a carpet cleaner – simply sprinkle on and leave to settle for around 30 minutes before vacuuming the area for a much brighter, cleaner, and more aromatic carpet.

Shine bright like a … lemon

Lemon juice is a well-known weapon in the arsenal against limescale, but it can also bring shine and new lease of life to add a fresh and zesty shine to all types of surfaces kitchen and bathroom surfaces – including faucets.

Filed Under: Tips

Dressing Guides for All Women’s Body Types

March 31, 2020

Ever bought a dress you ogled at a store after thinking about how, when, and where to rock it, but it ended up as terrible fashion wear? Most people think the problem is with the color of the dress not matching their eyes. Well, as much as this may be true because the eyes are the soul to each fashion statement, the problem may arise because of the body shape. Every woman has been made beautifully with unique body types and sizes.

The reason your fashion statement has been awful of late is that you wish to wear body cons, but your body size screams flared bottoms and mum jeans. Worry no more, Bellelily is your best plug as there are professionals that will walk you through the selection of clothes so that your favorite wears are your perfect fit. For now, let’s walk you through the different body shapes and dresses that fit for all.

The following are unique body shapes for women: –

§ Pear Body Shape

§ Hourglass Body Shape

§ Apple Body Shape

§ Inverted Triangle Body Shape

§ Rectangle Body Shape

Let’s talk about each body type;

  1. Pear Body Shape

A pear-shaped woman has a visual more significant lower body and smaller upper body. The shoulders are visibly narrow, while the hips are more prominent and broader. The best dresses to wear with this shape should be the ones that will go a long way in striking a balance between the two parts of the body. Loose tops with skinny jeans, A-line skirts, ruffled tops will do the magic correctly.

  1. Hourglass Body Shape

Hourglass is the most balanced body shape with a perfect upper body that compliments the lower body. It is a body to die for and, as such, should be flaunted to kill (pun intended). The perfect dresses for this shape are A-line dresses, body cons, crop tops with skinny jeans, and so on.

  1. Apple Body Shape

An apple body shaped woman is the one with the massive upper body as opposed to the lower body. Striking a balance between the upper and lower body parts will be the goal. You can achieve this by wearing flared bottoms, palazzos, printed dresses, and A-line cuts.

  1. Inverted Triangle Body Shape

The Inverted Triangle Shape is the athletic body type with broad shoulders and smaller hips in comparison with the shoulders. The perfect dresses are patterned or ruffled bottoms with V-neck lines, pencil cut skirts, and skinny jeans.

  1. Rectangle Body Shape

With this shape, there is a balance from the shoulders to the hips. This body shape is similar to the hourglass shape but without the defined waistline. A-line skirts with layered tops, blazers, long jackets, sleeveless are your fashion statement go – to if you have this body shape.

Conclusion

You need to know that no matter what shape your body is, you can make a vast and beautiful fashion statement with it. All you need do is appreciate and familiarize yourself with the body shape to get the perfect outfits that work just right for you.

 

Filed Under: Fashion

Top 10 Reasons To Use Google Wallet

March 30, 2020

 

The existence of several digital wallets might keep you wondering about which is ideal and most secure for online transactions. WriterForMyPaper will help you examine what makes Google Wallet so great. In this post, you’ll learn fantastic reasons to use Google Wallet.

Amazing Reasons To Use Google Wallet

Here are some of the fantastic reasons why you should use Google Wallet;

1. End of Hard Cash

With Google Wallet, you can have all digital versions of your smart, debit, or gift cards stashed in one place. You no longer have reasons to worry about moving around with hard cash.

2. Effective Security

Your electronic money is secured from fraudsters as Google wallet uses Secure Element Chip and Near Field Communications to keep it safe. Just the security everyone needs.

3. Maximum Privacy

Your transactions are authorized by Google wallet only. It ensures your maximum privacy.

4. Efficient Budgeting

Google Wallet makes tracking your spending easy. You can monitor your spending and not run out of money unexpectedly.

5. No Paper Clutter

Google Wallet, like other eWallets, has made it easier to bank paperlessly. However, you benefit more from it, as it reduces the paper clutter around you.

6. Easy Banking

Some digital wallet makes banking more difficult. However, Google Wallet makes banking easier as you can quickly move money between payment channels like MasterCard.

7. A Now Popular Means

The Google Wallet community is expanding, and the time to be a part of it is now. Its reach is extending to thousands of locations, and it’s best to start using it now.

8. Enjoy Unbeatable Convenience

It’s easier to make credit transfers when online with Google Wallet, as it can be a headache with other platforms. Save more time and money, redeeming your card point, and making payments.

9. No Liability

Google Wallet spares you the liability of unapproved fees. It affords you the ease of smoothly making payments.

10. Great Offers and Discount

Enjoy amazing coupons on Google Wallet, and exclusive offers shopping online. The app helps you find the best deals in the best locations.

Conclusion

Google Wallet allows you to benefit in advancing life-changing technology. You shouldn’t hesitate to create an account to start enjoying amazing benefits.

 

Filed Under: LifeStyle

Choosing the Perfect Accessories for Your Bridal Look

March 27, 2020

The major part of any bride’s look is going to be her wedding dress. No matter how traditional or out-the-box you are going, it is going to be one of the big questions about the wedding day. Everyone is going to be dying to know what the dress will look like. However, you also need to think about the other accessories you will wear on your big day. Here are some of the things you should think about.

Shoes

The shoes are going to be one of the most important choices you make after the dress itself. Not only will they need to complement each other well, but they also need to be comfortable. No-one ever talks about how much standing around and waiting there is at a wedding. Depending on your ceremony, you might not get a seat until you sign the wedding certificate. This means that you could be spending upwards of thirty minutes on your feet and this will drag if you are in uncomfortable shoes.

Instead, you need to find shoes that are both comfortable and stylish. For something more traditional, take a look at wedding shoes from Dune London. However, you could also choose blue shoes for a small twist that ties into the old, new, borrowed, and blue tradition.

Headpiece

Not every bride wants to wear a veil but there are still some great choices you can make here. Many vintage-loving brides are opting for cages instead of a full veil. It gives them an extra little something to tie into their theme and it looks great with a 1950s-style wedding dress.

You could also opt for some flowers that match your bouquet to be added to your hair, whether this be around your bun or as a flower crown. Boho brides will look particularly beautiful with this addition. Finally, something as simple as a clasp or a headband is perfect just for finishing the hair slightly.

Jewellery

Jewellery for a bride needs to be understated and classy. Try to keep your hands as free as possible. Many brides opt to wear their engagement ring on their right hand for the ceremony or to even leave it off entirely just for the wedding day. The engagement ring often sits on top of the wedding ring in pieces that fit together, so leaving your ring finger free for your fiancé to place your wedding band on is important.

For earrings and necklaces, make sure to pick pieces that frame your face. You need to make sure that the pieces you choose also fit well with your wedding dress and won’t drag too much attention from it.

Something Warm

Depending on when you get married, you may want to think about including a shrug or wrap as part of your wedding outfit. An autumn or winter wedding can produce some amazing pictures, but you need to make sure that you are going to be warm enough while photos are being taken or while you are waiting to leave in the evening.

Whether you choose a beaded shawl or a small bolero jacket, there are plenty of options out there. Take a look at some of the options available at the shop where you got your bridal dress. They are likely to have something that will suit your look.

While the dress is the centrepiece, your accessories are going to be some of the key things that will bring the outfit together. Keep your final vision in mind and put together a full outfit that makes you feel as beautiful as possible on your wedding day.

 

Filed Under: Fashion

Why is jewellery important in the fashion industry?

March 27, 2020

Over the years, jewellery has become a very important item for making fashion statements. People invest a lot of money on jewellery and it is easy to sometimes see a woman wearing jewellery that is worth thousands of dollars and even hundreds of thousands of dollars to events. You might be wondering why jewellery is that important for some people to spend tens of thousands and hundreds of thousands on buying a single piece of a ring or a single piece of earring, and even procure loose coloured diamonds Sydney and other cities around the world sell, to have them incorporated into jewellery pieces they themselves design. A luxury Brisbane jewellery store has spoken to a few of their clients to give us a few reasons why jewellery is important in the fashion industry.

It is a fashion product
One of the reasons why jewellery is important in the fashion industry is because it is a fashion product. Any item that has been listed as a fashion product is often very important. Shoes, belts, bags, clothes, make-up and jewellery are all fashion products and are treated as very important. The only reason why jewellery is a bit frowned at among the lot is that they do not seem to have any benefit apart from aesthetics compared to belts that can be used to hold your clothes or shoes that protect your let. Furthermore, they could also easily be more expensive than every other fashion product that a person is putting on altogether. However, you can be sure that if it was not worth it, people would not be spending money to buy them.

They are beautiful
Another reason why jewellery is important in the fashion industry is the fact that they are very beautiful. There are different types of jewellery and each type comes in different designs, different features, different stones, and different looks. The implication is that you could have many different types of earrings that do not look alike. In some cases, you might just want to wear a small dotted earring and in other cases, you want to wear a big and obvious earring. Thus, you would find women stocking up on different types of jewellery. One of the places you can get beautiful jewellery is at JP jewellery. However, you should reviews about JP Jewellery before patronizing them.

You can use them to express yourself
For those that want to know the importance of jewellery apart from just the fact that they enhance a product, jewellery can be used for self-expression. You would find lovers exchanging rings during engagements and weddings. The ring helps such individuals to express their desire to stay together forever. You want to give a gift and you don’t know what gift to give, you can easily give a piece of jewellery. You want to tell a person you love them but you don’t know how to, you can easily give the person a ring or a piece of jewellery with love pendants or love engravings on it. You want to show affiliation to a particular team, club or group of people, the group could have special jewellery that those affiliated to it can wear. You want to appear scary on Halloween or other days, you can get jewellery with skull and other scary design, and a lot of people would make a mental note to stay away from you.

They could save your life
Jewellery is valuable and it could save your life. There have been stories of a lot of people who due to one reason or the other got stranded. Either they lost their properties or they could not use their credit card any longer because it was being monitored by those who wanted to kill them. Thus, using a credit card would instantly report their location to those highly-placed killers. They subsequently had to switch to using cash which they didn’t have enough of when the whole issue started or even if they did, they ran out of. They were able to trade their expensive jewellery, sometimes at very low prices, but the amount they got was enough to get them going till the situation was solved and they could go back to their normal lives.

 

Filed Under: Fashion

Athleisure Wear for the Whole Family

March 27, 2020

Athleisure is a go-to style for people on the go. It is perfect for those too busy living life to stop for wardrobe changes but still keeps you looking good. For families in particular, athleisure is the prime example of how fashion can improve life and help you add some ease to your day, in spite of your busy schedule. Here are some athleisure options for an active family.

Style and Comfort

When it comes to dressing an entire family for a family get-together or a busy weekend, you want a comfortable style that is also durable. Athleisure is versatile and allows for great comfort. For the busy man who needs to go from doing lay-ups to a drink with friends and then chasing after kids in an impromptu soccer match, mobility is important. A comfortable pullover or a henley will keep him looking modern and performance-ready for any activity.

For a busy woman, a pair of black, sleek activewear leggings  with a fitted performance top can take you from morning coffee with the ladies to a great workout and back to story-time at the library with the kids. This type of outfit gives a nice silhouette and paired with a chunky pair of sneakers will add just enough funk to keep the look youthful and fun.

Dress Children Faster

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There is no challenge like getting the kids ready for a busy day out. You want the cuteness to shine through, but you also want to dress them in something they can move in and won’t be tugging at all day. A pair of little joggers with pockets and a pullover for a little boy and a sweet zip-up top and leggings for a little girl will keep them warm and cozy for most seasons.

Ease of Mobility and Easy Transitions

When planning outfits for the family, you want to consider your family’s lifestyle and immediate plans. Athleisure is easy to dress up and down. For a visit to the museum you can opt for a cute, shimmery skirt to show of some leg paired with a fitted sweatshirt. Or, opt for a bright and fitted tracksuit for a sleek look. You want to keep things easy and fresh using bold colors and simple prints.

For men and boys alike, some key and versatile pieces you want to keep on hand are polo shirts, bomber jackets, crew neck jumpers and sweaters, casual trousers, and basic black and white sneakers to match with many outfits.

Some athleisure wardrobe essentials for women and girls to have available to mix and match are graphic tees, long shirts or tunics, black leggings, classic cardigans for pairing with basics on a breezy day, and some casual sneakers to complete the classic athleisure look.

Athleisure is more than a style of dress and is now viewed as a lifestyle for the busy, active, and close-knit family. Your entire family can sport this look easily and still look stylish.

Filed Under: Fashion

Why Adding Collagen to Your Daily Routine Can Help Your Bone and Joint Health

March 20, 2020

The term “collagen” has generated a lot of recent buzz in the world of health and wellness. Within the last decade or two, medical researchers have uncovered more about collagen, despite being discovered almost a century back. With breakthroughs in medical research, scientists have recently been able to test and substantiate many of the claims surrounding the use of collagen supplements.

What Exactly is Collagen?

Collagen is an abundant protein in the human body that gives structure to several connective tissues, including skin, bones, muscles, cartilage, ligaments, and tendons. For this reason, some refer to collagen as the “glue” that holds the body together. There are almost 30 types of collagen, beginning with Type 1. Each category offers unique collagen benefits.

While the human body naturally produces its own collagen, collagen production slows once you reach your mid-twenties. At this point, many people choose to increase collagen levels with supplements to maintain peak health.

How Does Collagen Work in Your Body?

The most prominent collagen type in the entire human body is Type 1 collagen. It accounts for more than ninety percent of the body’s collagen count and provides structure to skin, bones, tendons, fibrous cartilage, connective tissue, and teeth. Type 1 collagens are made up of densely-packed muscle fibers. Type 2 collagen forms the elastic cartilage that cushions joints from repetition stress and Type 3 collagen provides structural support to your muscles and bones.

When you take collagen supplements, the powder form being the most popular, the ingested supplements travel to different parts of the body. The body then absorbs the collagen as amino acids.

What Does Collagen do to Help Your Bone and Joint Health?

To put it simply—a lot! As previously mentioned, collagen provides structure to the bones and joints, and research shows that taking supplemental collagen may have significant positive effects. Collagen promotes cartilage growth by keeping the skeletal structure smooth and functional as you grow older. It also replenishes bone density, preventing bone loss, which happens naturally as the body ages. And last but not least, it helps prevents joint paint after large bouts of physical stress.

How Can You Add Collagen into Your Daily Routine?

Now that you know all about collagen and how it functions let’s dive into how you can add collagen to your daily routine. You can increase your body’s collagen levels by using serums and powders or by increasing your intake of collagen-rich foods. Keep in mind that depending on how you ingest it, collagen interacts with the body differently.

For a collagen-rich diet, you can eat foods like bone broth, fish, eggwhites, leafy greens, and citrus fruits. Any food that contains a lot of Vitamin C, proline, glycine, and copper are great sources of collagen. You can also increase your collagen intake with powdered collagen supplements. These supplements can be quickly absorbed and spread across the body.

The Wind-Up

With so many potential benefits for bone and joint health, increasing collagen intake is a popular wellness practice for those showing the signs of aging. A major contributor to the popularity of these supplements is that they make getting enough collagen quick and easy. If you plan to collagen supplements to your daily routine, be sure to check in with your doctor before getting started.

 

Filed Under: Health

Four Tips for Staying Safe at the Beach

March 20, 2020

When it’s time to pack up the whole family and head to the beach, you’re probably only thinking about soaking up the sun and how fun the experience will be.

However, going to the beach means that there are hazards you’ll need to be aware of. This means you’ll need to consider beach safety and practice it to protect your whole family.

 

Beach safety entails many different topics, one of which includes applying SPF 30 sunscreen every two hours. This is necessary to protect you from the sun’s harmful UV rays and prevent sunburn.

You’ve probably heard that sunscreen is important, but maybe you’ve never understood why. We’ll explain this and a few other beach safety tips below to ensure that your family outing is full of fun and not too much sun!

Wear Appropriate Sunscreen

One of the most important tips to keep in mind is to wear appropriate sunscreen.

This is something you’ve likely heard several times before, so it’s easy to take for granted. Especially if you don’t spend much time in the sun, you might not appreciate the dangers of not wearing sunscreen.

This is a big mistake because the sun can be quite dangerous. Prolonged time in the sun exposes you to a lot of UV rays, which is harmful to your skin.

With too much sun exposure, your skin cells will die and you’ll develop a sunburn. This is highly painful and will last for several days.

If you continually spend time in the sun without protection, more serious complications can arise. You can age your skin and develop wrinkles, leathery skin, and spots. In severe situations, you can even get skin cancer.

Fortunately, there’s a simple solution to prevent sun damage. You just need to wear sunscreen that is at least 30 SPF. At 30 SPF and higher, more than 97% of the sun’s UV rays get blocked.

With this in mind, remember to have your whole family reapply their sunscreen every two hours so that they have continuous protection. This will give them the best defense against sunburns and skin damage.

Remember to Hydrate

You should also prioritize hydration while at the beach.

Being in the sun will cause you to sweat due to how warm it is. When you sweat, moisture is expelled from your body to cool you down.

Considering this, you get dehydrated faster in the sunshine than you do during cloudy weather. Pair this with any physical activity like swimming and walking on the beach and you can see why hydration is a must.

Even though you’re next to a massive body of water, you need clean water to drink to keep you hydrated. Make sure to take frequent sips of water rather than chugging a whole bottle every other hour.

It can be tricky to get your kids to drink water, so consider bringing other sources of hydration to encourage them. Flavored water and fruit are two great options that taste great and help keep hydration levels high.

Monitor Your Children

Another important consideration is to closely monitor your children.

It can be easy to zone out and enjoy some time relaxing in the sun, but you don’t want to neglect your kids. The water is always dangerous and your kids should never be left unattended.

Even if they know how to swim, an errant wave might overwhelm them and cause them to struggle. If you’re busy dozing off, then you won’t be able to react in time to save them.

It’s a good idea to only swim at beaches with lifeguards, but you shouldn’t rely on one to watch your child. Keep a close eye on them because their safety should be your top priority!

Watch the Water

As a final suggestion, you should also make sure to watch the water.

While the water may be calm when you first arrive, it can quickly change and create a dangerous situation. You don’t want to be out in the water when it’s choppy and there’s a heavy current.

One good way of doing this is to pay attention to warning flags at the beach. They vary in color from green to double red, with green having the lowest level of danger and double red meaning the beach is so dangerous that it’s closed.

If you notice any warning flags at the beach, consider swimming at another time. A green flag might be alright if you’re particularly careful and always next to your children, but don’t risk swimming during a yellow or red flag.

The water can be a fun experience, but a near-drowning or getting caught in a rip current is terrifying. Make sure your family is only swimming during calm conditions to avoid unnecessary danger.

Closing Thoughts

Beach safety might be the last thing on your mind during a family swimming trip, but it isn’t something that you should neglect. Getting injured or having a close call can cause a traumatic experience that ruins the day for everyone.

A few tips to keep in mind for beach safety include wearing sunscreen of SPF 30 or higher, remembering to hydrate frequently, closely monitoring your children, and watching the water.

When you prioritize safety, it doesn’t mean that you can’t also have fun! It’s all about having fun responsibly, which requires you to refrain from taking risks and keep your family protected.

Sunshine is good for your health, so take your family to the beach as much as you’d like! Just remember to put safety first!

 

Filed Under: Tips

Things To Consider Before Applying For Unsecured Business Funding

March 18, 2020

Theoretically, unsecured business loans considered as the ideal financing option for most business owners. But, practically, the term “unsecured” raises a red flag as well, mainly for all those individuals who are starting their new endeavors. However, small business loans are quite imperative for accelerating the business in the initial stages, which are considered delicate ones. That is why managing cash flow is significant, and considerable cash inflow can lead the company towards sustainable growth. However, most of the business owners are not familiar with the business funding process and find it quite a risky step to acquire funds for the development of their new business.

Person Writing On Notebook

Factually, most of the newbies don’t apply for the unsecured business funding as they don’t have prior experience with unsecured business funding and consider it horrendous for them. Such types of loans are incredibly precarious for the banks and conventional lenders, and the main reason is that unsecured funding doesn’t involve any kind of leveraged assets. Additionally, if the business owner is applying for this type of unsecured financing, then it doesn’t entail approval qualification and repayment guarantee. Due to all these typical reasons, the approval criteria of unsecured business loans is relatively challenging and uncertain than that of secured loans (that involve all the official procedures and legal documentation).

Though unsecured business funding is full of risks, still, it is available in different types. So, before applying for the loans, it is essential to know the type of loan you require to fund your business as it will make the entire procedure more manageable. Additionally, finance and forms require noticeable attention whenever it comes to applying for unsecured business funding. Business owners must take a closer look at all such factors and go through all the requirements that need proper consideration before applying for any unsecured funding as it decides the growth of the business. The current discussion is all about highlighting all those factors that must be in your mind before you opt for unsecured financing procedures.

FACTORS TO CONSIDER BEFORE APPLYING FOR UNSECURED BUSINESS FUNDING

The following are the different factors that must get the proper attention before the business owner takes the ultimate decision about unsecured funding procedures.

PROPERLY UNDERSTAND THE APPLICATION PROCEDURE

The first and foremost thing is the proper understanding of how the unsecured funding procedure works. People in business cannot apply for business loans blindly by overlooking all the core processes. That is why they must have the proper idea about the lifecycle of overall application procedures along with the expenditure and funds. Knowing everything in the initial stages enhances the advantages of unsecured business funding; otherwise, the ambiguous details can create problems in the future.

For instance, if you want someone to provide you quick-cash solutions for your business, then you must know that most of the lenders will not meet this criterion as they cannot offer instant funding. In that scenario, you can choose some other options, including online or in-person banking. It all depends on your business type that will help you in making the final decision.

Prepare yourself for the following questions.

1. Do I need urgent money? Or do I have enough time for the proper understanding of the application procedure?

2. Am I capable enough to meet all the requirements asked?

3. Have I maintained a good credit history and credit score?

4. Is it convenient for me to prefer an online application procedure?

5. What is the ideal amount I require for practical business development?

6. Is there any type of loan for which I cannot apply?

If you have the answer to all these questions, then brace yourself up because you are ready for this challenging funding process, and you can consider further steps.

IDENTIFY THE IDEAL LENDER AND LOAN TYPE FOR YOUR BUSINESS

Though the selection of unsecured funding type means that business people are already well-aware of the insecurity of credits and non-collateral, but this funding type also falls into many categories that can choose as per the business needs. Most of the borrowers still think about the traditional types of business loans, and you can also consider this option if it fulfills the requirements. Additionally, taking a personal loan is also preferable if you need a limited amount, i.e., a few hundred dollars just for the smooth execution of business cycles and other expenditures.

If you need short-term business loans, then you can think about merchant or vendor financing. The reason is that such financing options don’t require the collateral, but you must pay them back within a few weeks or months. So, it is a sensible decision to make in the first place whether you require short term loans or long-term loans. For long term loans, business owners can deem the standard SBA loan option, as the payback period is of around ten years.

In case you require the loan in cash form for buying business property, then the consideration of cash advance funding is the perfect option due to the long payback period. Additionally, think about the interest rate, i.e., if you can pay it quickly or not. If you have chosen fast-cash flow for your business, then it requires you to pay around 25% loan per year or maybe more than that. Decide whether you want to pay the mortgage on a monthly or yearly basis. It is one of the most sensible moves for all those business owners who wish to resolve all types of budgetary anguishes, including the high-interest rate. It must be in your mind that even the minor business loan can put a significant burden on your business operating expenditures. Don’t go for any option if you don’t have the repaying capacity.

COLLECT AND MEET ALL THE PRE-REQUISITE REQUIREMENTS

Before you apply for any type of business loan, you must consider whether you fall in its qualification category or not. Research the best funding type according to your budget and business type. Don’t apply for the loan if you are not fulfilling all the requirements, or it is just a waste of your valued time and energy.

If you want to get the idea about the lenders’ requirements, then contemplate the following criteria including;

1. A better demonstration of credit history is required.

2. Need the proper establishment of business credit scores.

3. The overall business history of the lender is required.

4. Need detail about your monthly or yearly earnings.

Every lender has its unique set of standards, and it can decide the approval procedure as per its preferences.

PREPARE DOCUMENTATION AND OVERALL APPLICATION

Though the previous factors require your much involvement before you apply for the loan, most of the people consider paperwork as a dreadful procedure. The best part about proper documentation is that it can cause you to avoid surprises in the future and assures smoother operation throughout the loan cycle. Possibly, most of the lenders provide the answer to your application within a couple of days, whereas the online banking process may take weeks to get back to you.

You must fill the documents appropriately because any of the missing information can result in delaying the application. So, you must prepare yourself for this part in the right way. Prepare the following documents, including:

1. Tax return documents to get an idea about your overall business.

2. Industry type as not all the loans are suitable for every kind of industry.

3. A complete documented business plan.

4. The Collection of invoices and account receivables of the company.

5. Financial data for the analysis of profit and loss ratio.

THE FINAL WORDS

The procedure of applying for unsecured business funding is quite challenging due to its nature and vulnerability. However, following all the factors mentioned above can make the entire progress uncomplicated for the business owners.

 

Filed Under: Budget

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I started Vanilla Mist as a hobby and to be completely honest with you, I really had no idea what I was doing at the time. I just wanted to share my creations with others and inspire people.

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About

I started Vanilla Mist as a hobby and to be completely honest with you, I really had no idea what I was doing at the time. I just wanted to share my creations with others and inspire people.

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