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Money for Christmas:
is right around the corner and it is the time of year when you may need to
borrow money for Christmas. If bad credit or no credit is a problem, the only
loan may be a short term personal loan. Getting money for Christmas may not be a
big problem with the many online lenders. Review their terms and conditions and
make sure to repay the loan on the date due. Borrow $500 or up to $1,500 for
Christmas when approved for a personal loan to get money for Christmas. Have fun
and enjoy getting the gifts you need and apply for a loan today.
How to Borrow
Money for Christmas, Other Ways to Get a Loan:
Ask family or friends and write an "I owe You" sign and date the
paper. Consider negotiating a pay back schedule.
Apply for a home equity loan to borrow money.
Use the cash advance feature of a credit card for money for
Sell items, have a garage sale, pawn items for money
family will not let you borrow money for Christmas,
a short term personal loan may be an option to get money fast.
Financial Record Keeping:
is so easy to let mail pile up on a table and it is even easier to let financial
papers stack up all over the house. Having papers that may be considered
important for taxes,
or receipts that may be needed, can soon get out of control. It gets frustrating
to try to figure out what to keep, where to keep it, and what needs to be tossed
into the trash.
can make financial life a lot less frustrating, if some type of organization is
used daily. There are many tips and ideas on how to file and keep financial
records, finding one can be easy online. Knowing what is important to keep can
begin with looking over a couple of tax statements or asking your tax accountant
for some advice. Getting organized can save time and stress when a financial
document must be pulled out at a moment's notice. It can be very time consuming
getting organized, but it will pay off in the end.
tossing papers in a stack, look over the mail each day and toss junk mail
quickly. This gets rid of a of a lot of papers from piling up instantly.
Consider getting a filing cabinet and label some folders, for example, you may
want a medical folder and toss medical bills or receipts into that folder. Don't
go over board keeping unnecessary papers just because you have developed a
papers like Wills or other important documents, consider a fireproof safe or
safe deposit box that is rented. For other papers, only a metal filing cabinet
is needed in a good location. This helps make filing quick and easy. Some tax
records need to be kept for five to seven years. Some people take the time to
scan documents and keep them on their computer. Sometimes it is much easier to
just stick papers into a folder in a file cabinet. The goal is to get organized,
keep it simple, and stay on track.
Financial Records Should Be Kept?
Investments, dividends, stocks, bonds.
Personal Will and insurance policies.
Tax records for three to seven years.
Real estate and mortgage papers.
Important receipts and warranties.
Medical bills and prescription receipts.
Credit card statements for tax purposes.
Any paper that could be needed for taxes.
Divorce, military, citizenship, and adoption papers.
Bank statements, interest earned, loan information.
Money owed to you, repaid by you, contracts, and W-2 forms.
Retirement information, deeds, birth certificates, social security, passports,
Pictures or videos of things that are important for filing insurance, in case of
IRS is usually satisfied with a past three years of documentation, however, they
can do an audit any time there is the possibility of fraud. Under estimating
income can be serious enough for an audit for up to six years. It can be a good
idea to keep, and to date important papers.
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