Your QuickQuid team had a lot of fun with this post.  We were asked about the most outrageous money saving tips we have ever used. Don’t be fooled, there was a lot of laughs at the “expense” of saving money (we couldn’t resist an absurd joke).  Check out our top three wild money saving tips, and the stories behind them.

• Don’t Shower – We don’t mean “stop altogether,” but stop showering regularly.  Save money on your water bill while your bathroom products last longer.  Your QuickQuid team member, Arun, went five weeks without showering regularly.  When asked for comment, he said his water bill was “significantly lower, but I would rather not try it again…  It was a bet. Comfortable or uncomfortable, I won and saved some money!”
• Stop Shaving – This suggestion is as “hairy” as it sounds.  Our team member Denny has not shaved in eight months (don’t worry, he’s in a band).  Denny said that not shaving has saved him “over 300 pounds so far… My beard is thick, so I was always buying razors and shaving cream…  It keeps me warm in the winter.  Plus, my wife likes it. It’s an odd way to save some money, but everyone is happy.”
• Live Without Heat or Airconditioning – Our QuickQuid team member, Colleen, uncomfortably tried this for a full year while saving money for a house.  ”My winter was spent wrapped in blankets, but I had a savings goal in mind.  The more money I saved, the more motivation I had.”  If you can through it out like Colleen, your growing bank account will keep you comfortable.

Although these stories were fun to share (and write about), it shows how everyone is willing to save money in the oddest of ways.  Unfortunately, no matter how much we save, life can always throw you an unwanted expense.  As you can see, your QuickQuid family knows how this feels.  We are always here to help when you need fast cash with an online, short-term, payday loan.  We can help you get started, right here.

Photo: Flickr User

It’s hard to determine if you are emotionally ready to be a parent.  However, you can take steps towards becoming financially ready to a parent.  Your QuickQuid family has some ideas from The Simple Dollar to help you out.

1)   Is the Time Right? –  The emotional decision to have a child can cloud a decision based on reality. Sit down with your partner to make sure the costs (time, money, energy, etc.) do not outweigh the benefit of a child.

2)   Plan Now –  According to The Simple Dollar, “The sooner you get your own financial house in order, the easier the arrival of children later in your life will be. Get an emergency fund started. Pay down your debts with a particular focus on maximizing your monthly cash flow. Invest your energy in building a sustainable career.”

3)   Smart Money – Low cost solutions does not mean low quality for your child.  Such as, purchasing clothing at resale stores.  That money you save can be better spent on an education.

Your QuickQuid family knows that becoming a good parent sometimes begins before your child is even born.

Photo: Flickr User

Walley and Purse are making their QuickQuid radio debut today and are offering  25% off the initial finance charge on your next short-term loan!  Is your own wallet being stretched too thin?  Or stung by your bank with overdraft fees?  Take the advice of Walley and Purse, head on over to QuickQuid radio at http://www.quickquid.co.uk/radio and use the promo code RADIO. Listen in below as Walley and Purse discuss the benefits of an online short term loan.

Is Your Wallet Stretched Thin?

Have You Been Stung?

Photo: Flickr User

It’s the largest sporting event in the world — are you tuned in? Britons across the UK are caught up in the World Cup frenzy, especially considering that the English National team has been predicted to do great things in South Africa.

It doesn’t matter if you’ve followed football your whole life or if you’ve never watched a game before now. There’s no denying that the World Cup has captured the attention of many across the U.K., especially leading up to Saturday’s big match against the United States, a long-time rival.

The World Cup is played every four years and it gives fans a chance to take a glimpse into other cultures. Regardless of your interest level, you should tune into the action tomorrow and cheer on England in hopes of a win. While the action gets under way this weekend, you don’t want to have to worry about emergency money needs. Take care of your immediate expenses today with a payday loan from QuickQuid.

You may have noticed that the APR displayed on our website has changed from Typical 2356% APR to 2278% APR. What’s the deal you ask?

Well, recently we reviewed all cash advances lent to our customers and the APRs that applied to them. Our new lower APR is more representative of the terms our customers have been receiving. Some reasons for a lower typical APR could be longer average loan terms or more customers receiving discounts or applying promotional coupons.

An APR is an annualized percentage rate for a loan that would have been borrowed for a full year. Since our loans are borrowed for as few as eight days and limited to your pay date frequency, you will never be charged for a full year.  That said, regulations require that we display APR.

According to an article from www.dailyfinance.co.uk, the Office of Fair Trading (OFT) says that APR is not always an accurate reflection of the cost of a loan.

APR stands for annual percentage rate. Annual means one year. So APR is describing how much a loan would cost if the loan was borrowed for an entire year. QuickQuid only lends short-term loans. Our short-term loans are typically borrowed for four weeks. The law (Consumer Credit Act 1974) requires QuickQuid to list the APR simply for the fact that it’s a financial product, but APR really has nothing to do with a four-week loan. Yes, the 2356% APR listed by QuickQuid appears as a large percentage, but according to the OFT, the Typical APR for a short-term loan is not necessarily reflective of the amount of interest actually paid.

“A 2000% APR rate may actually be quite low,” says the OFT.

Here’s how to calculate the actual cost of a payday loan from QuickQuid:

For every £50 you borrow from QuickQuid, your loan’s finance charge will be between £10 and £14.75 per pay period.

So you can see that even though the APR is listed as a high percentage, the actual cost of a QuickQuid cash advance isn’t so high after all.

Yesterday was Earth Day and here at QuickQuid we’re still celebrating!

Did you know that requesting online payday loans can save energy opposed to requesting a payday loan from a payday loan shop? Applying for an online payday loan can save you a trip to the store, which also saves petrol. Less driving, less energy used, more earth-friendly!

Plus, with online payday loans the application is completely online. This means there’s no extra payday loan paperwork to fill out and post. This saves paper!

There are tons of ways you can save energy in your everyday life. Did you know that if chargers for devices such as mobile phones and MP3 players were unplugged when not in use, the UK could save enough electricity each year to power 115,000 homes? Imagine the money you could save on your utility bills by simply unplugging all of your appliances not in use! Make every day Earth Day and follow these eco-friendly tips!

Need online payday loans today? With QuickQuid, you can apply for online payday loans today and get funds deposited into your current account the very same day. Online payday loans today are a great way to cover immediate expenses like car MOT and repairs or food shopping. Apply for online payday loans today and pay for your car tax or TV license fee. Even use online payday loans today for your water bill or council tax. The list of things you could cover with online payday loans today goes on and on. Just make sure to use your online payday loans today for immediate expenses, not holiday or leisure. Online payday loans today are for emergency money needs that many of us encounter in our day to day lives. Consider QuickQuid for your online payday loans today!

During times of recession, many people fall in debt and have trouble paying for all of their bills. Online loans are a simple way to access money to cover bills between paydays. Imagine your car breaking down on the way to work or not having enough money for groceries. Both of these situations could be put to right with online loans from an online loan company like QuickQuid. Online loans from QuickQuid are quick and easy to apply for right from the privacy of your own home. You can receive the money from your online loan directly into your current account the very same day you apply for the online loan. If you’re in debt or struggling because of the recession, consider applying for online loans to help you with your emergency money needs.

Want fast cash and want it today? QuickQuid can provide you with a fast cash loan the very same day that you apply. Fill out the fast cash application in minutes, get instant fast cash approval and get fast cash in your current account today. It’s that easy to get fast cash with QuickQuid.co.uk.