Thanksgiving is right around the corner and it’s one of my favorite times to eat delicious food and reflect on what I’m grateful for. We often have leftovers that we can make budget-friendly meals with after Thanksgiving and one thing I always strive to do is eliminate food waste.
My family has no problem eating leftovers for 2 or 3 days but then they get bored. While you can freeze some of your leftover holiday food, you can also take the opportunity to discover some new meals and recipes by repurposing some of your ingredients.
Here are 7 easy meals to make with Thanksgiving leftovers.
Thanksgiving Leftover Casserole
I wasn’t always into casseroles. As I get older, the more I realize how hearty, filling and easy casseroles can be. You can literally use any ingredients you have on hand to make a delicious casserole. This Thanksgiving casserole is excellent because it calls for leftover ingredients like mashed potatoes, turkey, cranberry sauce, turkey gravy, and stuffing.
You can even add extra ingredients if you have them in your fridge or leftover from the previous day’s meal. This is an easy way to get rid of all your Thanksgiving leftovers and keep food waste at bay.
This could be a tasty lunch for your family the day after Thanksgiving. The recipe is simple and calls for leftover turkey, stuffing, cranberry sauce, bread and cheese. You can add mayo and lettuce if you’d like. Nevertheless, this is an easy and budget-friendly way to make meals with Thanksgiving leftovers in 10 minutes or less.
Turkey Pot Pie
One thing I don’t like about leftover turkey from Thanksgiving is that it can get dry over the next few days. One of the best budget-friendly meals to make with Thanksgiving leftovers that will keep your turkey moist is adding it to a pot pie.
Use any leftover gravy you have and add turkey along with veggies like carrots, green beans, corn, etc. You can make a pie crust from scratch or buy one. You may even have a leftover pie crust in the freezer if you did any holiday baking as well.
This is one of the best recipes I’ve seen for turkey pot pie and it helps you prepare the meal in an hour or less.
Leftover Stuffing Waffles
This is a recipe I’m actually going to try to make this year with Thanksgiving leftovers. All you need are mashed potatoes, gravy, cranberry sauce, and 2 beaten eggs. Mix everything up then add it to your waffle iron and you’ll have a warm and delicious breakfast in minutes.
If you’re spending the day after Thanksgiving shopping in-store or online, you can prepare this as a power breakfast and avoid ordering restaurant food during the day. That’s truly the beauty of having Thanksviging leftovers – not having to feel tempted to order restaurant meals for a few days.
Here are 7 easy meals to make with Thanksgiving leftovers. Click To Tweet
Turkey Hash with Country Gravy
If you’re in the mood for a breakfast skillet in the morning, consider making this turkey hash with country gravy recipe from the Food Network. It calls for hot Italian sausage. Or, you can just prepare it with whatever protein you have on hand. Just scramble the sausage, leftover turkey, and stuffing in a skillet. Add some green peppers and onions if you wish. Then top it with a poached egg and some turkey gravy.
This may even be a breakfast meal you add to your regular recipe list.
This turkey chili recipe is healthy and a must to prepare at least once if you’ve never tried it. Switch up your regular chili recipe with this one to help you get rid of Thanksgiving leftovers like turkey meat, mashed potatoes, and rice. You’ll need low-sodium chicken broth, two cans of pinto beans, and chili seasonings like oregano, cumin, and chili powder.
This is the perfect meal to make with Thanksgiving leftovers if you’re looking to stretch food while family is staying over for the holidays.
Roasted Turkey Lasagna
Lasagna is another budget-friendly meal to make with Thanksgiving leftovers. This recipe shows you how to make your own sauce and you can also add in some Italian sausage of your choice. This dish could also allow you to clean out your pantry before the end of the year especially if you’re been storing a lot of pasta.
After spending the entire day focusing on gratitude, it just doesn’t sit well with me to toss out leftover food the day after. Thanksgiving leftovers can be repurposed to create so many budget-friendly meals. It’s perfect for a relaxing weekend spent at home with family. Perhaps you don’t want to spend more money on takeout or have to go to the grocery store right away. So while the big meal may cost a little more money to prepare, you’ll make up for the added cost by stretching your leftovers and trying out some of these delicious and creative recipes.
MySurvey, and this article is going to explore the benefits and drawbacks of the site.
Is My Survey Legit?
Before we start looking at the nitty-gritty of MySurvey, let’s show you where the company started and how it has evolved through the years. If you go back far enough, you can trace MySurvey to its roots as the National Family Opinion organization, which was established in 1946. When the National Family Opinion organization started, they collected their surveys over the phone or through the mail.
In 2001, NFO created MySurvey to help expand their study reach and increase their reach to more families across the nation. In 2010, MySurvey was bought by Lightspeed Research, which is a global market research and analysis company. Thanks to the Internet and Lightspeed, MySurvey has become one of the largest survey providers available.
According to their website, they rewarded over $15,000,000 in 2012 to members all across the world. Several years later, they continue to be the leading survey providers. To answer the main question, yes, MySurvey.com is legit.
How MySurvey Works
Getting started with MySurvey is easy, even if you don’t have any experience with online survey services. They have a simple website that will walk you through the process to ensure that you have all of the steps handled correctly. You’ll create a profile with all of your basic information. After you’ve created a profile, you’ll be required to complete around ten short questionnaires. These preliminary questionnaires are going to give the MySurvey algorithm an idea of which surveys to send you. After you’ve completed all of the initial groundwork, you’ll be ready to start completing the money-making surveys.
Every survey service is different, which means that they all have different payouts. With MySurvey, their surveys are going to range in payments anywhere from $0.5 to $1.25 depending on the length of the survey and the subject matter. Obviously, the longer that the study is, the more that they are going to reward you for completing it.
When you’ve racked up some rewards points, there are several ways that you can cash out and enjoy all of your survey efforts. One disadvantage of MySurvey is that you have to accumulate at least 1,200 points before you’re allowed to cash out, fortunately, that shouldn’t take you too long to get. The most common way to redeem your points is by transferring money into your PayPal account. With MySurvey, they have a unique exchange rate. For every 1,200 points, you can get a $10 transfer into your PayPal account. If you get up to 1,800 points, you can earn $15 straight to your account. If you choose this option, it’s going to take around 4-8 weeks to process your cash out and get the money into your account. Each site is going to have a waiting period for a payout, but MySurvey’s is one of the longer ones. For example, if you look at Pinecone Research, they take less than a week to get that payment to you. As long as you don’t need the cash quickly, this isn’t a significant problem, but be prepared to wait awhile to get your money.
There are a few others ways that you can redeem your points, other than getting cash into your PayPal account. One way is to purchase a gift card on MySurvey for your points. They have just about any retailer that you could want, and you can buy different sized gift cards depending on how many points that you have. For a standard $10 gift card, you’ll need to rack up 1,100 points.
Another way to use your points is to have them redeems as a charitable donation. MySurvey also gives you the option to have your points donated to one of their partner charities. Just like with a gift card, you can use 1,100 points to make a $10 donation. This is an excellent way to give back to the community, just by taking a few simple surveys.
The last way that you can use your points is to purchase certain goods. They have a huge library of merchandise that you can choose from to redeem your points. They have everything from electronics to jewelry. It’s an easy way to buy Christmas gifts or buy that shiny new gadget that you’ve been wanting.
Not Just Clicking Surveys
Completing surveys is not the only way that you can earn points on the site. One simple way is to utilize their referral program. For every friend or family member that you get to sign up, you’ll earn 150 points. This is an easy way to boost your points, and there is no limit on how many people that you can refer to MySurvey.
The longer that you participate in the MySurvey program, the more likely that they will choose you to complete a product testing opportunity. This requires that you use a particular product, which you will get in the mail, and then answer a variety of questions about the product and your satisfaction. The payout from the product review is going to vary drastically depending on how involved it is.
Another way to earn tons of points is by winning the bonus sweepstakes, which is randomly selected every month. Each month, all active members are put into a pool, and them one person is selected and receives a bonus 10,000 points. All active members are entered, but you can also earn some additional entries to increase your chances of winning.
Pros vs Cons of MySurvey
Because there are so many survey sites available, it’s important that you find the best one that works for you (it an excellent idea to use more than one). MySurvey has some impressive benefits that you should be aware of, but there are also several categories where they fall behind their competition.
One of the most notable advantages is that their surveys are simple and quick to complete. Most users say that they have no problems understanding the questions or completing the surveys. Some sites have long surveys which can take you 30 minutes to finish, but with MySurvey, it will only take around 5 – 10 minutes depending on the number of questions.
Another benefit is that you could have the opportunity to participate in more surveys than other sites are going to offer. Veteran users of MySurvey have reported that they received around 8 to 10 surveys every week, which is much higher than you’ll find with other programs. The amount of opportunities that you’ll receive is based on how active you are as well as your qualifications based on the products that you use.
Now for the negatives. There are a few significant problems that you should be aware of. We’ve already mentioned the long delay between the time that you request your payout and the point that you actually receive the money, but that’s not the only drawback of MySurveys.
Recently, there have been dozens of complaints about users no longer getting invited to participate in surveys. For some of these complaints, some users have been in the program for five and six years, but they randomly stopped receiving any surveys. There is no word if customer service was able to fix their problems or if they were compensated for their troubles.
MySurvey requires that you regularly log into your account to show that you’re an active user. They use that regular activity as a “trust” system. The more interactions that you have, the more they are going to trust you, which will lead to more surveys, in theory.
MySurvey – What You Need to Know
MySurvey is one of the oldest and most trusted survey sites that you’ll find on the market. For years, they provided users with millions of dollars in their free time. You will never make a second income by filling out their surveys, but it’s an excellent way to earn some spare change in your free time because of how quickly you can complete them. Most times you can finish one while you’re on a lunch break or waiting at the doctor’s office.
If MySurvey doesn’t fit your needs, don’t worry, there are several other options that you can choose from, and we have reviews of all of the best ones.
Good Financial Cents, and author of the personal finance book Soldier of Finance. Jeff is an Iraqi combat veteran and served 9 years in the Army National Guard. His work is regularly featured in Forbes, Business Insider, Inc.com and Entrepreneur.
Yesterday at the Financial Careers forum on Reddit, a user named /u/unfoldcareers posted some useful advice for job-seekers. “I’ve reviewed and screened thousands of resumes,” /u/unfoldcareers writes, “and I’m sharing my preferred resume format…along with my best resume advice.”
The poster notes that “bad resume format” leads most folks to get little or nor response to their job applications. To help current job hunters, /u/unfoldcareers created a free resume template that can be downloaded via Google Docs.
The Reddit post itself contains a number of useful tips. To craft a better resume, you should:
Be precise. Don’t speak in general terms, but include specific numbers and metrics. Instead of saying, “Was top salesperson at my company,” note how many people were on the sales team, how much better you performed than everybody else, and for how long.
Emphasize impact. According to /u/unfoldcareers, too many people focus on their achievements when they should really emphasize the impact they had on their company or team.
Stick to one page — unless you really do have decades of experience.
Make it scannable. “A hiring manager will review your resume for approximately 10 seconds or less,” writes /u/unfoldcareers. Be sure that they’ll be able to scan all of the important info quickly.
Explain gaps. Don’t leave a mystery. If you took time off to be a stay-at-home parent, say so.
Remove the “objective” line. It’s irrelevant. (I did a very little hiring for our family’s box factory. I never did understand why people put an objective on their resume.)
Remove references. It’s fine to create a separate document that contains your references so that you can provide them if asked, but don’t include them on the resume itself.
The full post on Reddit includes more info, of course, along with the reasoning behind some of the recommendations.
From my experience, most people forget is that a resume isn’t really about you. That might sound strange, but the truth is that a resume is about how well your skills and experience match an employer’s job requirements. Because of this, the best resumes are individually tailored to specific jobs.
Sure, you might create a “base” or “default” resume that serves as a framework when applying for work. But you’ll have greater success with your job hunt if you take the time to make subtle tweaks to this default each time you apply for a different job.
Also: I believe strongly that, whenever possible, you should hand-deliver your resume.
Obviously, this doesn’t work for online-only applications or for positions outside your local area. But I know that when we hired at the box factory, we paid more attention to folks who had come by in person than those who simply mailed their resume. (And from watching Kim go through a couple of job searches now, I’d say that one of the reasons she has such success is that she literally goes door to door, dropping her resume off at different dental offices.)
(Note: As commenters have noted, hand-delivering resumes only really works for smaller firms. For larger firms, or for job notices that have specific directions, hand-delivering resumes is a bad idea.)
If you love camping, but prefer not to sacrifice your creature comforts, you may be happy to learn about the latest trend: luxury or glamour camping, a/k/a “glamping” — a way to explore remote parts of the globe while enjoying all the advantages of a luxury hotel.
Discerning travelers can find glamping locations in many unique places, although luxury tent safaris are particularly popular in Africa. Collective Retreats invites guests to destinations that inspire them to deepen their connection to the environment – by sleeping in the wild in luxury tents with plush beds, 1,500-thread-count linens, down comforters, chandeliers and private en-suite bathrooms. Locations include a working ranch in Vail, Colorado (with an on-site winery) and a backcountry retreat in Big Sky, Montana (with a Jack Nicklaus Signature Golf Course).
For those who prefer to own their own glamping tent, Glampique will sell you a 12-foot by 18-foot tent, complete with a king-size memory-foam mattress, velvet couch, covered porch and five windows to maximize air flow. The company will also deliver and set it up – free – anywhere in the United States. Glampique tents start at $20,000.
Glamping is a far cry from the five-person tent currently gathering dust in your garage.
Almost 25 years after we said goodbye to Will, Jazzy Jeff, Carlton, Hilary, Aunt Viv, Uncle Phil, and Geoffrey the witty butler, HBO Max pleasantly surprised us with a heartwarming reunion episode that brought back a big part of the cast, in a highly familiar setting.
Sitting down on a meticulously recreated Banks family living room set, the cast shared fond memories and walked us through the process of making the iconic show, leaving fans (myself included) with a longing to go back to a time when The Fresh Prince of Bel-Air was possibly the coolest thing on TV. And definitely one of the most entertaining.
And while we’re taking a walk down memory lane, we though I’d be the perfect time to bring back another staple of the ’90s show: the house where the Banks family lived — and which stood as a symbol of the main character’s ‘moving up in the world’. Or, in the words of the Fresh Prince himself:
I pulled up to the house about 7 or 8 And I yelled to the cabbie ‘Yo home smell ya later’ I looked at my kingdom I was finally there To sit on my throne as the Prince of Bel Air
The actual house from The Fresh Prince of Bel-Air — and where to find it in real life
On the show, the Banks mansion acts as the glamorous residence of Will’s rich side of the family, who takes him in after his mother becomes concerned that he might get in trouble if he continues living in his hometown of Philadelphia. The spacious house plays a central role in the ’90s TV show, with most of the scenes taking place on its premises.
Said to have a total of 10 bedrooms and 4 and a half bathrooms, the rooms fans are most familiar with are the Banks’ kitchen, living room, and Will’s bedroom — which were sadly all filming sets and not a part of a real-life house.
However, the mansion used for exterior shots of the Fresh Prince of Bel-Air house is as real as can be (though admittedly not located in Bel-Air at all). Several sources place the house at 251 North Bristol Avenue in the posh Los Angeles neighborhood of Brentwood, a 15-minute drive from Bel-Air, where the Banks family supposedly lived.
If you feel cheated in the slightest, know that there aren’t many differences between Bel-Air and Brentwood; both Los Angeles neighborhoods are home to the ultra-wealthy and feature huge mansions that set the tone for high-end real estate in the city.
And while Brentwood’s name isn’t as familiar to the general public, the area is considered to be one of the most affluent neighborhoods in all of Los Angeles. Though maybe if the iconic show would have been named in its honor (instead of promoting Bel-Air) more people would be familiar with the name. Famous Brentwood residents include Gwyneth Paltrow, Harrison Ford, and Travis Scott.
Fresh Prince house gets short stint on Airbnb
Earlier in 2020, Will Smith partnered with Airbnb to celebrate the 30-year anniversary of the show by allowing people to spend a night in the original Fresh Prince of Bel-Air house. He even did a tour of the home on YouTube along with his trusty sidekick, Jazzy Jeff.
This is not the first time Airbnb has banked on ’90s nostalgia; just a few years back, the booking platform was offering a stay at the Barbie Malibu Dreamhouse for just $60 a night, and they recently put out a listing in Deschutes County, Oregon to book a stay at the last remaining Blockbuster video store. Now, if you happen to be a little young for that, here’s a more recent pop culture location for you: Tony Stark’s cabin in Avengers: Endgame is also available on Airbnb (though be warned, a stay here doesn’t come cheap).
But we have to appreciate all the efforts made to appeal to die-hard fans of the ’90s sitcom. The limited time Fresh Prince rental offered access to a specific wing of the house consisting of Will’s bedroom (all decked out in ’90s paraphernalia, basketball hoop included too), a full bathroom, the pool area, an outdoor lounge, and the dining room.
More cool perks for fans staying at the house included one pair of Air Jordans for each guest and access to Will’s wardrobe on the show (where one could easily spot some iconic outfits, like the shirt Will Smith wore in the intro song of the show).
The Fresh Prince house is still up on Airbnb, but it doesn’t seem like you can book a stay anymore. Only a few dates were available throughout the month of October, and there’s no news on whether or not the property will be open to the public anytime soon.
More homes from popular TV shows
Is it Real? Lucifer’s Den of Sin & Luxury Penthouse at Lux The Real-Life Homes from Modern Family — and Where to Find Them We Are the Ones Who Knock — on Walter White’s Fictional Door in Breaking Bad All the Glamorous Penthouses, Suites, and Lofts in Gossip Girl
Hollywood has plenty of well-kept secrets, and one of them is this house in Malibu that seems to be attracting celebrities like a magnet. Which comes as no surprise, given that its owner is a celebrity herself. Betty Moon, a well-known singer, songwriter and producer, is known to have quite the flair for real estate, with her previous projects landing her quite a few mentions in luxury magazines.
Located off Malibu Knolls Road, her three-bedroom, three-bathroom, 2,100-square-foot rental hasn’t been struggling to find tenants — and high-profile ones at that. Even though it costs a whopping $35,000 / month, celebs have been lining up to chill at the property, so you might want to get in line.
And if you do decide to give it a try, you’ll be in good company: Matthew Perry reportedly rented the home in August, Cardi B has booked November, and Taraji P. Henson will be renting it from January through April 2021. You might be wondering, what’s so special about this house that it has celebrities lining up to live here?
First of all, Malibu in itself is one of the most popular destinations for the rich and famous. It offers luxurious properties, proximity to Los Angeles, as well as seclusion and privacy, which is what celebrities are desperately craving. For these reasons, there are a lot of celebrities living in Malibu, including Robert Downey Jr. and Edward Norton, who live fairly close to the Malibu Knolls Road property.
Secondly, celebrities travel a lot, so many of them prefer to rent rather than buy a home in each place they visit — although some of them do. However, renting a celeb-friendly, luxury home in Malibu doesn’t come cheap, but it might be totally worth it.
This Malibu celeb magnet is the epitome of indoor-outdoor Cali living, featuring large glass walls that seamlessly blend the interior with the grounds. It’s also perfect for entertaining, as it includes an infinity pool with fabulous ocean views, a spa, and a fire pit. Can you think of a better way to spend those warm California nights?
The entertainment continues inside, as the house includes not one, but three indoor fireplaces, as well as a media room, making sure you stay entertained throughout the entire year. Amenities include everything you could possibly need, from in-unit laundry and air conditioning to five parking spaces, an outdoor patio and a cabana.
As previously mentioned, the house not only rents out to celebrities, but it’s also owned by one. Betty Moon, a celebrated Los Angeles musician, songwriter and producer, currently owns the property which she recently renovated before listing it for rent.
Moon is no stranger to flipping houses and luxury properties in the area; she made news with her Encino property in 2018, garnering mentions in the LA Times and the Wall Street Journal.
Claire Dorfman of LA Estate Rentals is in charge of the listing.
More celebrity homes
Every Celebrity House Featured on Netflix’s New Show, ‘Get Organized’ Kendall Jenner Gives Us a Tour of her Peaceful, Art-Filled Home Morgan Brown Re-Lists Stunning West Hollywood Home Amid Split from Actor Gerard Butler The Story of Taylor Swift’s Holiday House — Home to “the Last Great American Dynasty”
Sculptures in interior design are something we often see in magazines, but rarely in the homes of our friends and family. Why? – It seems that many people are afraid to incorporate sculptures in their home decor simply because they consider them too artsy or do not know exactly what to do with them.
At first glance, sculptures might seem too pretentious or “too much” for your regular interiors. But let’s be real. You don’t have to place a 6-foot statue in the middle of your living room; you can always pick something small and cute that goes with everything else.
We no longer live in times where sculptures could only be admired in museums or maybe in the home of an art collector. It is time to make room for some beautiful pieces inside our own homes.
Bold and contemporary
People who are into minimal, contemporary style could certainly go for abstract sculptures and bigger dimensions. Clean lines, shiny or matte surfaces, thick or thin, it is up to you because the offer is vast.
A custom metal sculpture from wire or copper can do wonders in terms of aesthetics. Do not be afraid of answering questions about the object’s meaning because it really does not matter. If it looks chic and fits into your interior style, go for it!
Mixing modern with classic
A classical-looking marble sculpture can be a great twist to a contemporary interior design. If you are not into abstract forms, just go for a marble torso or a portrait in the Greek style.
You do not necessarily have to use modern materials such as metal or iron. A piece of marble or stone can add warmth, and people will be intrigued by that piece of art, so it is a great conversation starter too.
Lush and vibrant, rococo style style stands for luxury, and pieces like that can quickly transform your home and add a dash of luxury to it.
Rococo pieces do not have to be solely sculptures; plenty of furniture have a lavish wooden construction with plenty of flowers and leaves. Chandeliers and candle holders can also be a great choice. Thus, something functional can count as a sculpture too.
It is believed that certain animals bring luck, prosperity, and money.
In many cultures, smaller or bigger sculptures of elephants, frogs, or turtles are very popular. But lately, one animal became particularly popular, and it is the flamingo bird.
Whether it is pink or metallic, the tall and elegant flamingo goes well with everything, and it can be a nice pop of color.
What about Feng shui?
Feng shui is basically the art of curating or arranging objects until they are in perfect harmony. One particularity of Feng shui is having Budha sculptures around the home, and there is an entire philosophy around it. It is believed that these statues bring serenity into the home and enhance the flow of chi energy.
Experts agree that a statue of Buddha should be placed facing the front door so that when the chi energy enters the house, it faces the positive aura of deity. But Buddhas can also be placed in a living room, above the eye level because that is the main space where everyone can enjoy a view of deity. Avoid placing them near bedrooms and bathrooms.
Dare to make a change
If you are hesitant about large sculptures, but you still love that artsy vibe they bring into every space, then start with smaller figurines, or statement pieces. Not every sculpture has to be tall and wide to stand out. Sometimes smaller sculptures can be even more attractive and eye-catching.
Author’s bio: Pamela Lezama is an interior designer. Her skills and passion enable her to help people in making their dream house a reality. She is not just particular on the designs, but she also makes sure that the quality of the bed and mattress she chooses are topnotch.
More tips for your fancy home
These are ‘Queer Eye’ Bobby Berk’s Top 6 Choices for Wall Décor 10 of the Most Stylish Minimalist Wall Clocks You Can Buy on Amazon The Cutest Cat Condos You Can Get on Amazon 6 Smart Home Devices to Keep Your Pets Safe, Well Fed and Entertained While You’re Away
Everyone needs extra money from time to time, and this doesn’t change when you have bad credit. Unfortunately, your options become much more limited when you have bad credit. This makes it difficult to qualify for a loan, even when you need it to cover a financial emergency.
Whether you’re wondering how to get a car loan with bad credit, pay hospital bills, or even qualify for a mortgage with bad credit, we’ll show you how to improve your credit score and get your finances back on track.
Not only will you find out how improving your credit score can save you money on your next loan, you’ll also learn steps you can start taking today to start building your credit.
How does bad credit affect your ability to get a loan?
Before you start looking for a loan, it’s important to get an accurate understanding of your credit score. Most lenders use the FICO scores, which ranges from a low of 300 to a high of 850. A “bad” credit score is typically defined as lower than 629.
If you want to know your exact number, you’ll have to purchase that information from FICO. But if you simply want to see what kind of derogatory items are on your credit report (and potentially fix them), you can request a free copy of each of your three credit reports.
It’s a good idea to take advantage of this free service every 12 months to check your reports for accuracy even if you’re not actively looking for a loan.
Once you’ve established whether or not your credit score is low, find out the exact impact bad credit can have on your life. Bad credit affects you both financially and emotionally, but the most expensive effect is the type of loan you’re able to get.
Higher Interest Rates
When applying for a loan, the lender will charge you higher interest rates for a poor credit score. That’s because your lender sees you as a greater financial risk, so they charge higher rates in case you default on the loan.
Higher interest rates can really add up over the life of the loan. Keep reading to find out exactly how much.
Even worse than getting a high interest loan, you may not qualify for a loan at all if your credit score is too low. If the loan is for something non-essential, then this may not be that big of a deal.
But it can significantly affect your well-being if you have serious financial needs, like car repairs or medical bills. At this point, some people decide to turn to “no credit check” lenders who offer predatory products like payday loans.
Though short-term, these loans have extraordinarily high APRs and often lead people into a cycle of never-ending fees for what started off as just borrowing a few hundred dollars. Luckily, there are many ways to avoid ending up in this situation.
Where can you get a loans for bad credit?
If you do have a poor credit history, some reputable lenders might be willing to offer you a loan. Just remember, you’re going to be paying a lot of interest on top of the amount you borrow.
Check Out Our Top Picks:
Best Personal Loans for Bad Credit
It’s always good to check with your local bank or credit union, although they are likely to have stricter lending standards and a slower origination process. If you have an existing relationship with a bank or credit union, they may be willing to help you out.
Many online lenders offer quick approval and funding, even for borrowers with a low credit score. Just be sure to do your research to make sure the company operates a legitimate business.
Before taking out a personal loan from anyone, check to see what kind of reviews that company has received and what its Better Business Bureau rating is.
Bad Credit Lenders
Here are a few online lenders that offer bad credit loans:
Avant is a major online lender offering bad credit loans that only requires a minimum credit score of 580.
MoneyMutual is a lending aggregator that offers short-term loans to borrowers with low credit. You do need to have a consistent monthly income of at least $800 to apply.
CashUSA partners with lenders offering loans to people with bad credit between $500 and $10,000. The credit and income requirements are flexible, but the interest rate could be pretty high.
BadCreditLoans.com is a lending marketplace for borrowers with bad credit who need quick access to cash. You could receive up to $10,000 with loan terms up to 60 months.
PersonalLoans.com is another lending marketplace that offers personal loans to borrowers with poor credit. You will need to prove that you have a monthly income of at least $2,000 to qualify.
OneMain has physical locations in addition to its online presence and actually has no credit score minimum. The company says its average customer has a credit score between 600 and 650. Don’t get too excited, though – your APR could be as high as 35.99%.
Things to Know About Applying for a Bad Credit Loan
If you do decide on getting a bad credit personal loan, keep a few things in mind so you don’t damage your credit scores even further. First, limit your number of loan applications.
Every time you apply for a loan, the lender makes an inquiry on your credit report. This lowers your credit score anywhere between one and five points depending on your situation.
That might not seem like a lot, but it could affect your interest rate if you’re on the border between “bad” and “fair” credit. Plus, many lenders view a large number of inquiries as a risk factor, especially if they’re all made within a short period of time.
Thoroughly research potential lenders in advance and see if they offer to make a soft pull on your credit rather than a hard one. That way you can compare interest rates without hurting your credit even more.
Going through a lending marketplace is a good way to limit your credit inquiries as well. With just one application, you’ll receive quotes from multiple lenders that are willing to work with you.
How much extra interest should you expect to pay on a loan with bad credit?
Even after getting approved for bad credit loans, there’s no getting around the fact that it’s going to be an expensive decision. Just how expensive depends on the terms and conditions of the loan.
On top of your interest rate, your lender may also charge an origination fee. Unfortunately, this is a pretty universal concept, so there’s not much you can do to avoid paying it.
The origination fee is usually charged as a percentage of your loan amount, so – just like interest – the more you borrow, the more you pay. You don’t have to come up with the cash upfront; instead, the fee is deducted from your loan.
Make sure you account for this deduction in your loan request. For example, if you need a $20,000 loan and there is a 3% origination fee, be sure to request $20,600 because 3% of $20,000 is $600.
Annual Percentage Rate
A helpful tool in determining the best interest rate and applicable fees is the loan’s annual percentage rate or APR. This number helps you compare offers that have different rates and fees to see which is better on an annual basis.
However, APR does not account for the loan term, which is the amount of time it will take you to pay off your loan. A loan may have an extremely low interest rate, but if it takes 10 years to pay off, you might actually end up paying a lot more in interest.
There are a lot of variables to consider when figuring out how much interest you’ll be paying. Let’s look at an example to help put these facts and numbers into context.
Auto Loan Calculator
Let’s say you want to figure out how to get a new car loan with bad credit. By using an online calculator, you can determine if making the purchase now is worth paying the extra interest compared to fixing your credit first.
According to Experian, the average length of a new car loan is 67 months and the average loan amount is $28,711. For simplicity’s sake, let’s say you get a 60-month (five year) loan for $28,000. Here is how MyFICO estimates different credit scores to stack up in the same scenario.
The differences in the amount of interest paid over the life of the loan are jaw-dropping: a person in the lowest range pays nearly $9,500 more than someone in the highest range. So you wouldn’t be paying $28,000 for that new car, you’d actually end up paying almost $37,500.
Bumping your credit score up just 31 points from a 589 to a 620 could save over $4,600 in this scenario. Think of how many paychecks that adds up to before you decide on getting a loan with a bad credit score.
Total interest paid
720 – 850
690 – 719
660 – 689
620 – 659
590 – 619
500 – 589
Should you fix your credit before applying for a loan?
If you want to potentially save thousands of dollars on your next loan, then yes, you should consider fixing your credit before you apply. While some credit components take time to improve, there are many actionable steps you can take right now to improve your credit scores.
It’s always better to get a head start on the process rather than waiting for a financial emergency. If you don’t need the money right away, take the time to fix your credit now so you can save big when you are ready to borrow.
Here are five steps you can take right away to fix bad credit:
1. Dispute any errors on your credit report
Before you attempt to repair your credit, you want to know what you’re dealing with first. So the first place to start is by reviewing and disputing any errors on your credit report. And checking your report will give you a good idea of where you can begin making improvements.
2. Start making your payments on time
One of the easiest ways to raise your credit score is by making your monthly payments on time. Your payment history counts for a significant portion of your credit report, so if you struggle to make your monthly payments on time, your credit scores will take a hit.
And you may be surprised to learn that this applies to more than just lending products. It also includes credit cards, personal loans, home loans, utilities, and even your cell phone bill. Once you have that under control, start paying down any existing credit card debt.
3. Lower your credit utilization ratio
Your credit utilization ratio accounts for 30% of your credit score, meaning you’re not just judged on the amount you owe, but also on the amount you have borrowed compared to the amount you are allowed to borrow.
If your credit cards let you borrow up to $10,000 and your balance is $4,000, your credit utilization ratio is 40%. Ideally, your credit utilization ratio should be below 30%, so try to make extra payments until you can reach that ideal range.
4. Consider using a credit repair service
If you’ve already taken the steps we outlined above with minimal success, then you may want to consider hiring a professional. A credit repair service can dispute any negative items on your account and help improve your credit score faster than if you’re doing it on your own. Here is our top choice for a credit repair service.
By law, an item must be removed from your report if the creditor can’t verify it within 30 days. By having a tireless advocate on your side, you’ll make sure your current and past creditors are following the law. They will help you make sure your credit history has been updated to accurately reflect your financial history.
5. Show a lender can you repay the loan
Once you’ve put in the work to raise your credit score, it can help to look for ways to show an online lender, bank, or credit union that you’re able to repay the loan. Providing proof of income can give a lender more peace of mind and demonstrate that you’re financially capable of repaying the loan.
If you don’t have any proof of income and your credit score is still lower than you’d like, you can consider applying with a creditworthy co-signer. Ideally, this will be someone who has a good credit history and can vouch for you with your lender.
However, you should only use a co-signer if you’re certain you can repay the loan. If you default on a loan, the bank will go after your co-signer, which will put their financial future at risk.
How can you maintain your credit score once it’s fixed?
After taking the time and effort to raise your credit score, make sure you do everything in your power to keep it up — or get it even higher!
You might not be looking for another loan or line of credit at the moment, but you never know what your financial future will look like. Perhaps you rent an apartment now, but want to buy a house further down the road.
Getting a Mortgage
It’s hard to figure out how to get a mortgage with bad credit, so do your best to make sure you take care of your credit now. That means paying all your bills on time, setting aside cash for emergency savings, and not racking up unnecessary debt.
Remember, most infractions stay on your credit report for up to seven years, so the financial decisions you make now stick with you for a long time.
Renting an Apartment
Plus, think of all the ways poor credit affects your life outside of getting a loan. Many landlords run credit checks on prospective tenants, so it can be difficult to rent an apartment with bad credit.
Potential employers also sometimes run credit checks on job applicants to see how they handle their money. Why? They think that if you’re not responsible in your personal life, you probably won’t be responsible in your work life.
So bad credit not only affects your spending power, it affects your earning potential as well. Keep every door open by making a conscious effort to continually improve your credit. It would be a huge waste of time and effort to give up on all the progress you just made. Do yourself a favor and consciously manage your money going forward.
It certainly is possible for people with bad credit to get a loan, but that doesn’t mean it’s the best decision for you. Analyze just how urgent your financial needs are. Then, decide if you can wait a while to improve your credit before taking out a high-interest loan.
A reputable credit repair service can help you aggressively put your credit score on the fast track to improvement. Check out our credit repair reviews page for a list of reputable credit repair companies that can get you started today.
If you’re interested in learning how to save money for a car, then you have come to the right place.
Buying a car, just like buying a house, can be quite exciting. But it is one of the biggest purchases you’ll make in your life. So you want to make sure you get it right and avoid some pitfalls. For example, are you going to pay for the car upfront with cash or are you going to borrow?
Do you need an auto loan? For most people, auto loan financing is the preferred and most affordable route. Whether you need a loan to finance your car or pay for it right away, you need to figure out how to save money for a car and develop a savings plan to help you reach your goal.
One thing to keep in mind is that you don’t have to get a car loan through the car dealership. It’s often cheaper to get a loan from a bank.
Find out: Get An Auto Loan Quote Today.
How to Save Money for a Car:
Before you start saving money for a car, it’s always a good idea to check your credit file or make sure you have a good credit score. Why is that important?
A good credit score not only can get you qualified for a car loan faster, but also it can save you thousands on interest.
So before you borrow money, get a free credit report at CreditSesame to now exactly what your credit score is and take steps to improve it.
1. Figure out how much money to save for a car.
Figuring out how to save money for a car shouldn’t be a problem once you figure out how much the car will cost you.
Cars are quite expensive. According to TrueCar.com, the average price for a new car is around $38,000. The average price for used cars is around $19,000.
For reviews on cars, list of cars, consumer reviews, or to find out what people are paying for cars, visit the following: CarGurus.com, Edmunds.com, or CarMax.
2. Figure out how you will pay your car.
Once you have an idea of how much money to save as a down payment for a car, you need to know which a loan to take out for the car.
It’s always a good idea and much cheaper to buy a car outright than it is to buy it on finance or taking out a loan through a bank. But if you don’t have the cash upfront, you will need to get a car loan. If you end up taking out a loan, make sure you shop around because interest rates and related fees and charges for car loans vary a lot.
Compare the rates now for your car loan.
3. Make saving money for a car a priority.
Keep in mind that while you’re saving money for a car, you need to also make sure to budget for your other expenses as well such as your mortgage and other monthly bills.
Once you figure out how much you’ll need to buy your car, the next step is to start saving money.
If you need to work extra to earn more money on the side, know that there are multiple ways to make extra money. From completing surveys to watching online videos. These extra cash should go towards car savings goal.
4. Set up a high interest savings account.
What is the best account to save for a car?
Instead of putting your money under your mattress, think about opening up an online high yield savings account. They offer better interest rate which compounds so you can interest on the interest and your savings keep growing.
5. Make your savings automatic.
One of the best ways to save money for a car is to make it automatic. If you have a job, transfer some of your paycheck directly into your savings account.
You can do it yourself or ask your employer to do it for you. Saving your money automatically allows you to ‘set it and forget it,’ so your savings will grow each time you get paid.
6. Save more and more.
Think about ways to cut back on necessary items like gym membership, clothes, subscription magazine, etc…
Track your everyday expenses , so you know what you’re spending your money on. The Personal Capital free and easy to use app will help you to keep track of where your money is going.
Before you buy a car, take time to learn how to save money for car by doing the following:
Check your credit score before you buy your care. That can save you thousands of dollars in interest. You can get a free credit score and credit report either at CreditSesame or Credit Karma.
Save as much money as you can to buy your car, and make savings a priority. Remember the more money you put down, the less you have to pay.
If you decide you’re gonna take a loan to buy a car, remember to shop around for the best deal. So take time to compare interest rates at LendingTree. Remember even a small difference in the interest rate can make a huge difference on how much you have to pay.
Related: How to Save 100k
Work with the Right Financial Advisor
You can talk to a financial advisor who can review your finances and help you save 100k (whether you need it to pay off debt, to invest, to buy a house, or plan for retirement, saving, etc). Find one who meets your needs with SmartAsset’s free financial advisor matching service. You answer a few questions and they match you with up to three financial advisors in your area. So, if you want help developing a plan to reach your financial goals, get started now.
The average student loan debt has risen to $31,172, which can be a heavy weight over individuals who are ready to move on and experience life. Ignoring student loan payments for more interesting pursuits may be tempting, but defaulting on your student loans can have disastrous consequences, including wage garnishment.
If you’re one of the many Americans struggling to pay back private student loans, here’s what you need to know about wage garnishment and your options for avoiding it.
The Difference Between Federal and Private Student Loans
Federal student loans and private student loans both help you pay for your higher education, but they have distinct differences. Federal student loans have fixed interest rates, are guaranteed by the government and include a range of protections for borrowers mandated by the Higher Education Act.
Private loans, also known as alternative loans, are issued by banks and other financial institutions without any direct financial backing from the federal government. Because private loans aren’t subsidized by the government, they’re not regulated as closely and often carry higher interest rates and fewer protections for the borrower.
>> Tip: Want to reduce your student loan payments? Compare your options.
Private loans have variable interest rates and require credit checks that may necessitate a cosigner if you don’t have a good credit history. You may not be eligible for the same types of deferment, forbearance, discharge and forgiveness options as you would for federal loans. It’s wise to fully exhaust your federal loan options before looking for private loans.
What Happens If You Default on Private Student Loans
When you default on your private student loans, one of the first things lenders do is report it to the credit reporting agencies. If your loan had a cosigner, this negative mark may also go on their credit reports as well. This negative information stays on your credit reports for seven years, making it difficult for you and your cosigner to get other forms of credit or reasonable interest rates.
Lenders may then send your student loan debt to a collections agency. Debt collectors contact you and any cosigners to attempt to get you to repay your debt. You may receive several phone calls and letters demanding this payment. You might also face hefty collections fees added to your student loan debt, increasing your total balance.
You may also face a lawsuit if the lender has trouble collecting from you and decides to sue. Your cosigner is also on the hook for repayment, so they may also be named in the lawsuit. If the lender wins a judgment, they can pursue a wage garnishment against you and your cosigner.
If you think your student loans have been sent to collections erroneously, review your credit report and consult a professional for assistance.
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Wage Garnishment Explained
Wage garnishments are basically a lender’s last-ditch effort to collect on the debt you owe by going after your paycheck. In most states, creditors must obtain a court order before initiating a wage garnishment, which means they must sue you and win a judgment in a court of law. Although federal student loans offer a nine-month period before your loan goes into default, the U.S. Department of Education can garnish your wages without a court order. Your employer is then required to withhold the amount garnished and forward it to your lender.
Most private student loan creditors must sue you and win a judgment in a court of law before they can initiate wage garnishment.
An administrative wage garnishment for defaulted federal student loans are limited to 15% of your disposable pay. Depending on the state, a wage garnishment for private student loans can be up to 25%. Lenders can also get a court judgment against you or your cosigner to seize assets, including financial levies on bank accounts, and place liens against property owned by either of you.
Can Your Taxes Be Garnished for Private Student Loans?
Your taxes can’t be garnished for private student loans, but tax refund garnishment is possible for federal student loans. However, if you deposit your refund into your bank account, it could be fair game to private lenders, depending on the laws in your state.
Do Private Student Loans Have a Statute of Limitations?
Private student loans do have a statute of limitations, which varies by state. Lenders can’t collect the debt through the court system once it expires. This time limit varies between three and 15 years, but the most common statute of limitation on private student loans is six years after loan default. Federal student loans don’t have a statute of limitations.
Can a Private Student Loan Be Discharged?
You can discharge a private student loan through bankruptcy, but it’s more difficult than other types of debts because of the Bankruptcy Abuse Prevention and Consumer Protection Act. The easiest way to discharge student loans is by proving that paying the loans causes an undue financial hardship. Private student loans that don’t fit the definition of a qualified educational loan could be treated like other types of unsecured debt and won’t require you to prove undue hardship.
How to Stop Loan Garnishment
If you have defaulted on your private student loan payments and your creditor has threatened wage garnishment via lawsuit, you have a few options:
Fight the lawsuit
Ask for a forbearance or settlement
Refinance or consolidate your loans
Rehabilitate your loan
Pursue a financial hardship
Pay off your debt in full
File for bankruptcy
Although there are more protections for borrowers of federal student loans, depending on the terms of your private student loan, you may still have access to similar options to stop a wage garnishment.
Step 1: Demand Proof
Before the garnishment is granted, demand proof that the debt belongs to you and the amount of the debt is correct. If the lender can’t produce the proper paperwork, the lawsuit can’t proceed.
Step 2: Fight the Lawsuit
“There are ways to fight and win these [wage garnishment] lawsuits,” says Heather Jarvis, a public interest lawyer and student loan expert at AskHeatherJarvis.com. “If the lender gets a judgment, they have a specific length of time in which they can enforce the judgment, but most states let lenders renew this time repeatedly.”
With the help of a legal professional, you may be able to argue that the creditor has miscalculated the amount due, charged too much for attorney’s fees or collection costs, charged fees not allowed by law, waited too long to sue you or attempted to collect more than you agreed to pay.
Step 3: Ask for Forbearance
Not all private loan lenders offer forbearance, but it’s possible to temporarily lower your student loan payments by making interest-only payments for an approved length of time. This strategy provides short-term relief, but it also increases the amount you pay back over time, and it’s typically available for only a limited time over the life of the loan.
Step 4: Ask for a Settlement
Settlements are difficult to get for private student loans and usually require a large lump sum. Most private lenders won’t even discuss a settlement until the loan is in default or written off, which means you may deal with a collection agency instead of the original lender. On the plus side, collection agencies often settle for lower amounts than the originating lender. When dealing with a collection agency, you have the same debt collection rights to fight back against abuse and harassment as you would any other debt, even if you’re in default.
Step 5: Consider Refinancing
Refinancing your private student loan once it’s defaulted makes it current again, and it may even lower your monthly payment. However, your credit score takes a hit when you default, so it could be difficult to secure a new loan.
Step 6: Consolidate Your Loans
If you have more than one private student loan, consolidating them can reduce your payments and get you caught up on those in default. Like refinancing, consolidation requires a new loan, which can be difficult with negative marks on your credit reports from defaults.
>> Tip: If you have other debts that are making it difficult to pay off your student loans, consider consolidating that debt.
Step 7: Rehabilitate Your Loan
Rehabilitating your loan requires you to make a specific number of on-time payments to prove your renewed ability and willingness to repay your debt. Borrowers with federal student loans are entitled to a rehabilitation program under federal law, but private lenders aren’t required to offer rehabilitation. The terms of your contract tell you whether this is a viable option.
Step 8: Explore Financial Hardship
If you prove to the judge that the proposed garnishment would create an extreme financial hardship, you might be able to stop private loan garnishment. You must prove this hardship through documentation, including extensive details about your finances.
Step 9: Pay Your Debt in Full
Paying your debt in full is the fastest way to stop your wage garnishment, but it’s not always possible. Defaulting on your private student loan damages your credit, so look for every possible avenue to pay off your loan, such as using your savings or asking relatives for assistance.
Step 10: File bankruptcy
It’s possible to discharge private student loans under the right circumstances. However, filing bankruptcy severely hurts your credit scores, so explore all your other options thoroughly first. If you’ve looked into other possibilities and you’re still considering bankruptcy, consult with a legal professional to discuss your options.
>>Tip: If you decide you need to consider bankruptcy, some of Lexington Law’s attorneys and of-counsels practice bankruptcy law as part of their non-credit repair work. Check out the Firm profiles for your state and see if someone could help you. You will need to call their office to schedule an appointment, as bankruptcy representation is not provided online.
Build Your Credit After Student Loan Default
If private student loan defaults have negatively impacted your credit score, learn how to fix your credit with helpful tips from Credit.com. Start by reviewing our easy-to-understand Credit Report Card that breaks down your credit report information using letter grades and two credit scores updated every 14 days for free.