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may be the better choice. Consider annual fees and interest rates before you apply for a Bad Credit Card or other Guaranteed Cards. Secured Cards can also be a great choice for college students and teens to teach them responsible use. Use our free learning center of articles to give you a boost in finding the Best Credit Cards for all situations and needs.



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Review our free Secured and Unsecured Personal Loan Tips and Other Funding Options.


Borrow Money for Christmas:

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


When family will not let you borrow money for Christmas, a short term personal loan may be an option to get money fast.


Credit, Financial Record Keeping:


It 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. 


It 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.


Stop 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 filing system.


For 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.


What 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, marriage papers.

* Pictures or videos of things that are important for filing insurance, in case of a fire.


The 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.


 Credit Tip: April 22, 2014 Want a big loan but have bad credit? You may be able to get approved for over $10,000 dollars but it could be at a higher interest rate. Work on repairing credit over a few months to improve credit before applying for a large loan.



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