The easiest way to ruin a vacation is to over spend.  Your vacation may end, but your debt will follow you home. A vacation is supposed to be about relaxing, and your friends at QuickQuid discovered some great ways to save money while traveling from GetRichSlowly.org.  Take a look below to read some of our favorite advice.

• 20% Rule – Budget 20% more than you think the trip will cost.  You never know where that extra money will end up, like impulse spending (everyone loves a souvenir), or unexpected needs (Tylenol for a headache).
• Be Prepared – Do some research about your vacation location.  Some places have additional taxes and fees that can really hit your budget.
• Create a Savings Goal – Set a limit on your spending.  If you come home below your goal, put that extra money towards credit card bills, or into a savings account.

Want more tips?  Take a look at this post from GetRichSlowly and share with friends and family.  We know that everyone loves to travel, but everyone really loves to save money.  QuickQuid is here to help!

Image: Flickr User

Tax Season is never easy.  Sometimes it feels as if the answer to one tax question creates another question.  Once your taxes are finally finished, it always seems like you have less money, and even less patience.

On Tuesday, July 20, the British government created the Office for Tax Simplification.  Let’s repeat those two key words, “tax” and “simplification.” While announcing the new office, Chancellor George Osborne, said that the current Tax Code “is a spaghetti bowl of reliefs and exemptions and allowances …”  Chancellor Osborne’s goal to untangle this “spaghetti” will likely help you during Tax Season.  A simple Tax Code can equal more money, and more smiles.

When it comes to your money, it is nice to have others help out.  At QuickQuid, we may not be doing your taxes, but we are always here to help pay those unsuspected bills with an online payday loan (even on the same day! §).

London, England – The Office of Fair Trading report published June 2010 stated payday loans can be cheaper than unarranged overdrafts.¹

According to the OFT, “Customers of payday loans often take them out in preference to unarranged overdrafts which can be more expensive.”² Unarranged overdrafts can be very expensive for Britons in a bind, and the BBC estimates British banks generate £2.6 billion a year from unauthorised overdraft fees.³

A uSwitch report published in June 2010 revealed that approximately 1 in 3 banking customers had overdrawn their accounts.  In addition, 2 million customers experienced unauthorised overdrafts at least 4 times a year, which cost an average of £70 per occurrence.⁴

A short-term loan from QuickQuid provides Britons a much better alternative.  For example, a £100 unauthorised overdraft taken for 15 days would cost £50 or more at most High Street banks.  In contrast, a £100 QuickQuid payday loan borrowed over 15 days would cost only £18.75.

“QuickQuid customers are savvy internet shoppers who understand that our short-term loans are cheaper compared to unarranged overdrafts,” says Alex King, Managing Director of QuickQuid.  “Our customers value our service and the cost savings we generate for them.”

To echo Mr. King’s comments, several QuickQuid customers voiced their appreciation in June 2010:

“I was able to get the cash I needed for only a small fee instead of over a hundred in overdraft charges!” – Lucy M.

“…when I went £28 overdrawn for 6 days they [the bank] charged me £105 and failed to inform me,” said QuickQuid customer Graham E., who vented his frustration with the lack of notification from his bank.  Graham went on to voice his satisfaction with QuickQuid, “QuickQuid dispatched the loan amount in the same day, saving me hundreds of pounds in banks fees and overall costing around £30 – £40 to borrow the money. If QuickQuid were not so quick to help and reasonably priced I would still be sinking in bank fees today.”

“QuickQuid hasn’t just saved me money, it’s given me more freedom too.  Without the worry of overdrafts and missing payments on bills to incur charges. The company is a blessing, really.” – Kate S.

QuickQuid has generated significant cost savings for Britons since 2007 after having issued more than 500,000 payday loans.  It is encouraging that the OFT recognises the cost savings the payday loan industry provides to Britons temporarily short on cash.

You can find out more at www.QuickQuid.co.uk.  Also, you can contact Andrew LaPointe at 0808 101 7453 or email media@quickquid.co.uk.

¹ “Review of high-cost credit”, Office of Fair Trading, June 2010, p.19, section 2.12
² “Review of high-cost credit”, Office of Fair Trading, June 2010, p.19, section 2.11
³ “Banks win Supreme Court Case on overdraft charges”, BBC, 25 November 2009 http://news.bbc.co.uk/2/hi/8376906.stm
⁴ “Do banks profit from your overdraft”, 17 June 2010, http://www.talktalk.co.uk/money/features/bank-account-overdrafts.html

People sometimes say, “third time’s a charm!” Well for you, it can be! If you applied for a payday loan from QuickQuid 3 times already, the next time you apply for a loan you will be able to save 10% on your finance charges with our Preferred Member Programme!

If your cooker breaks down or you can’t keep up with your monthly bills, there’s no need to worry. You can always take out a fast cash advance with QuickQuid. If you’re just one of those unlucky people to whom emergencies always happen, your bad-luck streak may be ending soon.

As a regularly unlucky person, you may have taken to believing in superstitions. One of these superstitions being that 13 is an unlucky number. But your luck is about to change! The 13th time you take out a payday loan with QuickQuid, you can get 20% off of your finance charges! What could be luckier than that?

So stop fretting about all of your expenses and start relaxing a little because QuickQuid can put an end to your bad-luck!

When you’re in need of a payday loan, you probably need it as fast as possible. But what if you have a quick question? Calling us is a fast solution but what if you don’t have a land line and don’t want to add even more minutes to your mobile phone bill? Just talk to us online instead!

You’ve realized that going to cash advance shops is a strain on your daily schedule. There are too many lines and it just takes too much time. So you’ve decided that your best option is to get a payday loan online from QuickQuid. So if you’re already getting your fast cash loan online, why not ask your questions online as well? Just click on our Live Chat button and you’ll instantly be connected with someone who will help you with any of your needs!

London, England – According to the BBC, the Office of Fair Trading (OFT) report dated 15 June 2010 recognises the value provided by payday lenders.  The short-term lending “…markets work reasonably well in that they service borrowers not catered for by mainstream lenders,” says the OFT.

“The recognition of the important service we provide is very encouraging,” says Alex King, Managing Director of QuickQuid, one of Britain’s leading short-term lenders.  “In essence, the OFT acknowledges that lenders like QuickQuid provide an important and fair service for Britons in need of short-term lending solutions.”

One of the recurring proposals brought up by payday opponents to supposedly protect consumers is a rate cap.  According to The Guardian, the OFT report was clear that a rate cap would likely have the opposite effect.  Consumers will have dramatically less options as some lenders might exit the market, leading to reduced competition and higher fees for consumers who rely on payday loans for emergency situations.

As the short-term lending industry stands today, it is working reasonably well; consumers can quickly and easily access the money they need for urgent and unexpected expenses.  According to the BBC, the OFT says that payday loans meet a need for people who could not otherwise borrow cash from more traditional sources.

For more information, contact Andrew LaPointe at 0808 101 7453 or media@quickquid.co.uk.

A new QuickQuid TV commercial, “Wally & Purse: The Domestic Duo Make Ends Meet,” featuring talking wallet and purse puppets launched 21 June 2010. The QuickQuid commercial, part of a series of adverts, star interviews and bloopers, highlights QuickQuid’s quick and easy payday loan services as a convenient, immediate solution to short-term financial needs for credit-crunched consumers.

The QuickQuid TV commercial is filmed from the point-of-view of a savvy purse and cash-strapped wallet. This clever take lets viewers imagine what a purse or wallet may think about their owners’ financial situations. In the QuickQuid commercial, the purse puppet highlights QuickQuid’s quick and easy service, and advises the wallet on what to do when hit with too many immediate expenses.

Consumers that view QuickQuid on TV are offered a 25% off promo code that can be applied to the initial finance charge of their first payday loan from QuickQuid. Applicants with the special QuickQuid TV promo code can enter the code at https://www.quickquid.co.uk/quid before applying to receive the 25 percent discount.

The QuickQuid commercial airs on several national and local channels including UK Dave, SkySportsNews, Channel 5, ITV, Living, Bravo, Virgin1, Watch, Movies4Men and CBS Reality.

QuickQuid aired its first QuickQuid TV commercial May 2009, which created a strong television presence to complement its internet marketing initiatives.

If you’d like to view QuickQuid on TV or are interested in learning more about the QuickQuid TV commercial and QuickQuid TV promo code, visit the QuickQuid media center. Viewers of the QuickQuid TV commercial can find out the special QuickQuid TV promo code, which qualifies approved applicants for 25% off their initial finance charge. To redeem the discount, visit https://www.quickquid.co.uk/quid and enter the QuickQuid TV promo code before applying.

Question about QuickQuid cash advances? Call our friendly Application Support team at 0800 635 0327 to get all of your queries answered.

Visit QuickQuid.co.uk today to get cash in your wallet or purse today!

It can be hard to save cash when your bills are more than your income. Here are a few easy tips for saving a few quid here and there:

1. Buy staples in bulk. This can cut down on your cost per usage by quite a bit over the long run. Consider buying items in bulk like tissue paper, detergent and soap. Plus, if you buy in bulk, you won’t have to run out to the store so often, saving you time and petrol.

2. Read more for entertainment. There are so many great books out there, new and old, and you can get them all for free at your local library. Avoid spending tons on the cinema or going out to eat. Enjoy a good book for free and save!

3. Don’t speed on the motorway. Speeding is an inefficient use of petrol and if you get pulled over, it could cost you a lot of quid.

Get a cash advance of up to £1500^† as early as 8:00 at no extra charge!

QuickQuid provides same-day funding,^§ but did you know that we now offer early morning funding times to our existing customers?

Simply apply at www.QuickQuid.co.uk before heading off to work, and if approved by 7:30, get funds deposited directly in your account by 8:00. Don’t worry if you miss the cutoff! Apply before 14:30 and still get funds in your account the same day^§ at no extra charge. Learn more.