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Curb Your Bad Credit Loans Habit- Shop Frugally This Winter

Author : Sean Teahan

One of the pitfalls of having a bad credit rating is the restricted access to the best loans available. Often, the only loans available are loans for people with bad credit which isn't always the best for those with limited finances. Personal bad credit loans have higher interest rates than regular loans.

If you want to get out of this rut that is personal bad credit loans, it is imperative that you improve your credit score. When you spend feasibly, you can set more money aside that could either go as savings so you don't have to get a loan, or add it to pay your current debt quicker. Here are some of the frugal tips you can do this winter:

Consume less energy at home. During the cold spells, the heater is on 24/7. And as much as this is comfortable for the family, it is but distressing to the budget. Your energy consumption during winter takes a huge chunk off your monthly budget. Stock on firewood and use a fireplace instead.

Lower your petrol consumption. The cold is a good excuse to stay at home and avoid driving to anywhere. If you do have to run errands, try to do them on the same day, and on an organized order. This way, you get to accomplish what needs to be done without consuming an entire full tank of petrol from driving.

Buy nonperishable foods in bulk. Summer is a season of abundance, especially food-wise. But in the dead of winter, you have to suffice with canned versions of what you need in the kitchen. Since these are non-perishables, stock up on them by bulk.

Hand-me-down winter clothes. Your kids outgrow their clothes really fast. No need to buy new winter clothes every year when you can have them use their older siblings' clothes. Unless of course it is very necessary to buy them some new items, that should be the only time you spend some cash on winter apparels.

Have weekend activities indoors. Going to the movies or to the mall during weekends can cost you a lot. Do some fun and free activities at home instead like a DVD marathon.

With these frugal tips, it becomes easier to save more money and graduate from loans for people with bad credit. Use your savings to pay down your existing debt in order for you to stop getting some personal bad credit loans only. When time comes you are approved for good loans, you know your frugal efforts in the winter have paid off.

Author's Resource Box

Thousands of readers follow the financial writings of Jimmy Cash. If you feel inspired by his words on the finance industry have a look at his writings on Payday loans and there will be plenty of useful money tips you can apply to your own profit and loss statements.

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Tags:   loans for people with bad credit, personal bad credit loans

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Submitted : 2011-06-28    Word Count : 479    Times Viewed: 483