Payday loans – your complete guide

Payday loans – your complete guide

If you are a bit low on cash and an unexpected bill arrives – it can leave you in an awkward situation. You may be tempted to ask your friends and family for a loan, but this can be embarrassing and most people don’t really like this option! Another choice is to take out a loan or credit card from your bank, but if you have a low credit score, this can often be impossible. However, there is another option, in the shape of a payday loan.


What is a payday loan?

A payday loan is for short term funding needs and is designed to be paid back on your next pay day. It is ideal for occasions when an emergency bill arises and you don’t have access to funds to pay it. It can also help for special occasions when you don’t have any spare cash. Many people find a payday loan useful for tiding them over until they get paid again and although these loans tend to have a high interest rates, they are cheaper than other options, such as unauthorised overdrafts and some credit cards.


Who can apply?

If you have a UK bank account, you are over 18 and you reside in the UK, you can apply for a payday loan. There is no guarantee that you will be accepted for the loan. However, it is generally a lot easier to get accepted for a payday loan than a bank loan or similar. In some cases, the payday lender won’t even carry out a credit check.


Application process

The application process for a payday loan is generally quite quick and easy – it shouldn’t take longer than a few minutes. As part of the application process, you will be asked for your personal details; including your employment and income. This will be used as part of the credit check or decision making process. You can also decide how much you want to take out for the loan, and the scale will usually be from as little as £50 to several thousand pounds. It is unlikely that you would be accepted for a high value loan, unless you have already had payday loans with the lender before. You also decide on the duration of the loan; anything from a few days to a month. The interest paid on the loan will be determined by the value and duration and these will be transparent on the application. The decision will be made on your application and if accepted, you will usually be paid into your account on the same day or the next working day.


Paying it back

Your payday loan will be automatically debited from your account on the specified date. However, you can pay it back early and this is recommended; as your interest rate will be lower if you do this. If you need an extension on your payday loan, it will be at the lender’s discretion. You should always get in touch with the lender, if you are having difficulties paying it back, as they will be able to help. If you ignore it, you will end up with higher charges and your credit rating will be adversely affected.


Benefits of payday loan

There are many benefits to payday loans, especially if you can’t get credit elsewhere and you need your funds quickly. They are quick and easy, and your funds are usually available on the same day, so these are ideal for emergencies. The application forms don’t take long to complete and the criteria is much less strict than other financial institutions.


The drawbacks

Although there are benefits to payday loans, you should be wary about taking these out, as the interest rates are higher than many other types of loans. You should ensure you can pay it back on your next pay day, otherwise you could find your financial situation a lot worse. It is important to work out your budget, before you take out a payday loan and what you can realistically afford to pay back. You should not consider payday loans as a source of income, they should only be used in emergencies, when there are no other options available. Payday loans can be great, if you manage them in the right way. As long as you do this, they can be useful for emergencies.



5 Steps To Help You Achieve Your Financial Goals


5 steps to help you achieve your financial goals

If your financial situation is far from perfect, it would be a good time to start finding ways to improve the situation. There is nothing worse than arriving home to a pile of bills and this can be quite damaging to your mental well-being. It may be that your financial situation is not as bad as this, but you just want to make improvements and start saving some cash for the future. If you want to achieve your financial goals, you need to start taking action and these are some ways to do it.


Understand your goals

The first thing you need to do is to understand your financial goals. What do you want to achieve with your finances? Maybe you just want to clear your debt or perhaps you have plans to buy a new property. You can’t achieve your financial goals without knowing exactly what you want and how much you will need to reach these. What would make your life better and how much would you need to do this? Some people are happy with a small flat, while others strive for a 4 bedroom house. Both are perfectly acceptable. They are your goals and they can be whatever you want.


Create a vision board

In order to achieve your goals, it is important to have these written down, but it will be even more effective if you create a vision board of what you want to achieve. For example, if there is a car you want to buy, print out a picture of this and stick it on your vision board. Vision boards work as the more you see your goals in front of you as an image, the more likely you are to manifest these. You should aim to check these at least once a day and before you know it, you will have manifested everything you see in front of you!


Manageable goals

The best way to achieve your overall financial goals is to break them down into smaller goals – which are easier to achieve. For example, if you have debt of £2,000 – you would work out how quickly you want to pay it back and how this would be broken down throughout the year. If you are saving for something specific, such as a new home – you would work out how much you can afford to pay and how much you would need to save to reach your goal within a set timeframe. If you have specific figures to work with, it will be much easier to achieve small and then overall financial goals.


Develop a budget

In order to meet your financial goals and achieve what you want from your money, you need to work with some kind of budget. A budget is great as it can show you where you are wasting money and where you could be making some important savings. For example, if you tend to use public transport, when you could quite easily walk – keep a note of how much you could be saving, as this will be a good incentive for slipping into those trainers instead. You may even want to put the money aside for your savings, as this will soon mount up. If you buy a magazine every other day, this can mount up over the course of a month and you may want to consider whether this is really necessary. Could you get the same information online? It’s not about depriving yourself, but just making small chances which will enhance your future financial situation.


Monitor progress

You should aim to monitor your progress as you go along to keep yourself on track to achieving your goals. You may want to check your goals every week and make adjustments if you are not quite seeing the results you want. It can be very easy to lose track of your goals and go off the rails, but if you keep monitoring your progress, this will be far less likely. As long as you stick to your short term goals, you will see vast improvements in your financial situation over the course of a year. Just think what you could achieve in 5 and 10 years if you keep on track like this!

How To Get Fit On A Budget



How to get fit on a budget

You want to work out and get fit, but what if you don’t have the spare cash for a gym membership or to attend classes? This is an excuse many people make when try to find tactics to avoid exercise, but in fact, there are lots of ways to get fit, even if you don’t have much money to spare. These are some ideas for getting fit and into shape on a budget!


Go running

One of the best types of exercise for getting trim and fit is running and best of all – it is completely free of charge. As long as you have a decent pair of trainers, you are ready to get going and the beauty of this type of exercise is that you get some fresh air at the same time. This is something you won’t get if you’re in the gym working out. You can make your running more interesting by going to an area you have never been before or getting a buddy to go with you. There is also the option of joining a running club, where you can meet new people, as well as working out.



If you have a decent amount of space in your home and access to YouTube, you can create your very own exercise space, with no costs. There are loads of fitness videos on YouTube, including aerobics, yoga and Zumba – there really is something for everyone. Get your friends to join you and make it more fun!



This is one of the most beneficial kinds of exercise and you can do this anywhere – cost free. Set yourself a goal and track your steps on a free app. You can even challenge other people too! This will encourage you to get out at lunch time and find ways to walk, instead of taking the car or bus. Walking burns a lot of calories and can help keep you trim and toned.


Tennis courts

If you take a look around your local area, you will be likely to find parks which provide free tennis courts, where you can work out without any costs. Of course, you will need the equipment to play tennis in the first place, but you can usually pick these up at low costs or second hand.



The ultimate treasure hunt for adults and children – geocaching is free, outdoors and you get lots of exercise in the fresh air. With geocaching, you can walk for as little or as long as you want, and you use technology to find geocaches; which are literally everywhere! It is a great opportunity to see a bit more of the country (or the world) at the same time and you never know where you might end up!


Take photos

If you enjoy taking photos; this can be a great way to get exercise, without even thinking about it. As you walk around taking your photos, you’ll be having lots of fun and won’t even notice that you are getting loads of exercise at the same time!


Join a meet up

The website, is ideal for finding new activities to enjoy, meet new people and lots of these are cost free. There are lots of classes available, such as yoga and salsa at no cost – or only a small fee, so get signed up and you will soon find lots of ways to get some exercise and meet new people at the same time.



There are lots of activities you can do as part of fundraising events – and many which involve exercise. You will be doing your bit for the community, as well as getting exercise. An opportunity to feel good in more ways than one!



This one is not much fun I’m sure you’ll agree, but it is a great work out and you’ll feel so much better of your home is in good shape. If you do a full clear out and create a clutter free zone, you’ll feel more productive and you’ll feel the efforts of your hard work in your body. You never know, you might find some hidden gems as you do your housework, so you can make money – rather than spending it.

Is a payday loan a better option than an overdraft?

Is a payday loan a better option than an overdraft?

In an ideal world, no one would ever need to take out any kind of finance; but this isn’t the reality of life. There are always going to be times when you feel a little more short of cash than others and at these times, you might need a bit of a helping hand. It may be that you are behind with your rent, you have just received an unexpected urgent bill or maybe you just really need a holiday! Whatever the reasons for a financial shortfall, you are probably weighing up your options as to what kind of financial credit to opt for. There is, of course, the option of a bank loan. However, these are extremely difficult to get nowadays and you may only need a small amount of cash, so a bank loan might not be the best option. What about an overdraft or payday loan to deal with your emergency funding needs?


Payday loans

These are short term loans which are designed for those times when you need access to funds; quickly! You can usually borrow as little as £50 to as much as a few thousand pounds – depending on the purpose and how much you need. The good thing about payday loans is that you don’t usually need to pass a strict credit checking process and the funds will be deposited in your account the same day or the next working day, on most occasions. Payday loans usually have high interest rates, but if you can afford to pay it back when it is due; you won’t incur any further fees.



If you are experiencing financial issues and you need access to funds, it may be tempting to just let your bank account go overdrawn. In many cases, banks will have a facility to allow you to do this, so that you can still pay your bills. Some may even let you continue to take out cash, even when there are no funds in your account. This is great, right? How generous of them! Well, not when you start to see the fees for taking out an unauthorised overdraft! Of course, there is the option of authorised overdrafts, but these are often either not available as part of your bank account or you may not have a good enough credit rating to get access.


Overdraft vs payday loan?

When it comes to choosing between a payday loan or allowing your bank account to go overdrawn; the payday loan may be the most favourable option. With a payday loan, the fees are transparent. It is clear how much you will need to pay back, so you are not under any delusion. However, with overdrafts, it can be a bit hit and miss. Many banks will charge as much as £10 per day for every day you are over your overdraft; which definitely adds up over the course of a month.


Benefits of payday loans

There are lots of benefits of taking out a payday loan as an emergency means of credit; as long as you pay it back on time. Payday loans can be accessed quickly and the funds are usually available in your bank account, either on the same day or the following day. You have the freedom to choose how much you want, so you may just want a small amount to cover a bill or you may need access to a substantial figure. It is at the discretion of the payday lender, but ordinarily, you would need to take out a few payday loans and pay them back on time, before you would be considered for large sums of money. Another positive of payday loans is that the criteria is a lot less strict than it is with banks, so even if you have a less than perfect credit rating, you will still be considered for the payday loan.


What to do next?

It is important to take steps to manage your financial situation, as this will save you the need to use either or any other options like these. However, these things happen to all of us – so take time to work out the best option for your circumstances and set out a budget so you don’t find yourself in a similar situation in the future.

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Why Online Selling Can Hold The Key To Financial Freedom



Why online selling can hold the key to financial freedom

If you are struggling for cash, you may be thinking that you have no options for making more money. You pick up the same pay cheque every month and you don’t feel that you have any skills for anything else. Sound familiar? This is a common misconception but in fact, there are options for making money all around us – you just need to know where to go. Buying and selling is one of the most lucrative ways of making some extra cash, so if you want greater financial freedom, this is the best way to start. These are some ways to get your online selling off the ground.


Discover best sellers

There is no point in buying products which won’t be of interest to anyone, so you need to do some research before you get started. You can use selling platforms such as EBay to check on the most popular items. Facebook groups are a good place to sell too and you can get a good idea of what consumers are interested in by taking a look at some of the posts and where the interest lies. When you have a good idea of the most popular items, you can then go on the hunt for these.


Places to buy

There are all sorts of places where you can find items to put up for sale online. You may want to start by raiding your home for unwanted items and visiting charity shops is a good way to get a bargain. If you decide to sell clothes online, you might want to look at your favourite shops and see if they have any sales on. You can easily pick up items for as little as a few pounds, which can be sold online for a lot more. As one season ends and another begins, most retailers are keen to get rid of their old stock, so this is the best time to pick up a bargain. Police auctions are another good place to find some bargains. These are perfectly legal and are the place where police sell stolen items which have not been claimed. Some people choose to buy from wholesalers, where they get a good deal on bulk items and sell them on individually for a profit.


Where to sell

There are all sorts of places where you can sell your items online, although you may need to pay a fee if the item sells. EBay, Amazon and Gumtree are just a few popular suggestions. There are also loads of buying and selling groups on Facebook and these can be good for selling locally, so you don’t need to pay postage on the items. Another option is to set up your own groups on Facebook or a profile on Twitter, so you can sell your items via social media.


Build your rating

People who buy online want to be sure that you are a trusted seller and that they will receive their items quickly and in good condition. It takes time to build up a strong reputation, so it is a good idea to start selling small items first, improve your rating and then move onto bigger items. As your rating increases, you will find that you will drive more interest to your items, which means greater profits for you.


Promote your products

There are so many items up for sale online, that you can quite easily get lost in the crowd. This is why it is important to put a strategy in place for marketing your items. For example, you may want to share your items via social media or ask your friends and family to share. There is also the option for setting up a business page on your Facebook page, where you can share all your items and encourage others to join the page. As you grow your online business, you may even want to consider investing in a website, where you can place all your items up for sale. A strong marketing strategy will encourage buyers to visit your website or page, which means people will start to find out about you and you will increase your customer base – making it much easier to sell.

How To Fund Your New Business Without A Bank Loan


How to fund your new business without a bank loan

If you have decided to go it alone and start your own business, you are probably feeling excited about the future, and quite rightly so! The prospect of setting up on your own and becoming your own boss is an elating feeling, but there is always a concern around funding and where you will find the money to get the business off the ground. There are a lot of outgoings when you start a new business, including initial set up supplies, marketing and office space. These costs can quickly spiral out of control. It is not as easy as it used to be to get a bank loan, so if you can avoid it – it is better in the long run. These are some alternative ways of funding your business, instead of taking out a bank loan.


Start slow

With some businesses, you won’t need much capital to at least get your business off the ground. This is the mistake that many people make and it can really put you off starting in the first place. If you need materials, look around to find the cheapest option. If you need a laptop, try a second hand one first and start by working from home, rather than renting an office. Most businesses grow organically and although it might be difficult at the start; your business will grow, which means you can update all your materials and equipment as you go along.



If you have savings in the bank, this is the time to use them! There is no use in having savings, if you don’t make good use of them and starting your own business is definitely a reason to dig into these. When you fund your business yourself, it can be attractive to potential investors. It also saves you the hassle of asking anyone for money.



There are many government funded grants available for start up’s, so it is worth delving into this to see if there are any options available locally. With this option, you will usually need to complete a business plan before you will be able to proceed with an application. It is definitely a good option for either getting your business running in the first place or to build on what you currently have in place.


Payday loan

If you need access to a loan in the short term for materials or equipment for your new business, but either don’t want to go to a bank or you know you won’t be accepted, a payday loan can be another option. It is important to ensure you can afford to pay it back when the loan repayment is due, usually your next pay day. Payday loans can often be a quick and easy option for short term funding needs and the good thing with these are that you usually won’t need an excellent credit rating; which you would need if you opt for a bank loan.


Friends and family

It is not easy to ask friends and family for help, but if you need some support with your business, it is another option. You might be surprised at how willing your friends and family will be to help you out, especially if they strongly believe in your business. It may be worthwhile giving them some options, in addition to paying back the funds they lend you. For instance, you may be able to pass some work their way in the future or offer them a small share of the business. It is best to use this option carefully and only ask those who you can trust and set up a proper agreement with them for repayment of the loan.



This is a Dragons Den style option, which basically means that you ask companies to provide you with funding and you offer them a share of your business. Angel Funding is one such option; where you register, submit your pitch and then connect with investors. You should make sure you are happy to offer shares of your business though, as this can prove to be quite costly, depending on how much you make.



This is a really popular way of getting funding and involves asking a number of people for investment and usually small amounts. Businesses or individuals who use crowdfunding always offer an incentive for investment, such as samples of the product or the product in its entirety. In some cases, you may also offer small shares in your business.

10 ways to make extra cash in your spare time


10 ways to make extra cash in your spare time

If you are left with very little cash after you have been paid at the end of the month, the chances are that you will be looking at additional sources of income. Unfortunately, there are no get rich quick schemes; making money always takes some time and effort. However, there are ways you can make some extra cash, even with the luxury of doing it from home. If you combine a few of these, you will find that you will start to earn a decent amount over the course of a month and after all, every little helps! These are some ways you can make extra cash in your spare time.


1. Buy and sell

This may seem like an obvious suggestion, but it is one of the best and most effective ways to start earning some extra cash. The best way to start is to look around your home; you’ll probably be surprised at how many items you have which are just lying around gathering dust. If you no longer use it – get it up for sale on eBay, Amazon or Facebook groups. If you have a good eye for a bargain, why not visit some local charity shops and see what you can find to sell on?

2. Cashback sites

There are loads of websites which will pay you just for shopping and although this won’t make you a millionaire, it is an easy way to make some extra cash. It is not advisable to make frivolous purchases for the sake of getting some cash back, as this defeats the purpose. However, if you are already shopping online, make sure you check out the cashback sites before you make your purchase.

3. Freelance work

If you have a specific skill and extra time on your hands, it may be worth trying to get some work from freelance websites. There are many freelance websites out there, including People Per Hour and Upwork, where you can apply for freelance work in a wide range of different industries. The good thing about this is that you can pick up work as and when you need some extra cash.

4. Create a course

There are lots of websites where you can create a course, upload it and make money every time someone downloads it. If you are talented in a particular area, such as writing or art, this can be a nice little earner. Although this will require a bit of initial effort, you will be able to make passive income from this.

5. Online surveys

Your opinions matter a great deal to retailers, as it helps them get an understanding of what works and what doesn’t – and many are willing to pay to hear what you think. Websites such as Swagbucks and i-Say will either pay in cash or vouchers when you complete their online surveys. This is not a big earner, but is a good way to make some extra cash, as you sit at home relaxing.

6. Rent out space

If you have some extra space in your home, you may be able to make some cash by renting it out. It may be that you can store items or even rent out a spare room in your home. There are always people out there looking for storage facilities and rooms to rent, so if you have areas in your home that you don’t use, why not get paid for these instead?

7. Sell photos

Images are needed for all sorts of purposes, including websites and blogs, so if you have some good photos that you don’t mind sharing – you can start to make some cash for these. With websites like Shutterstock, all you need to do is upload your photos and you will receive a cut when these are sold. A quick and easy way to make extra cash!

8. Mobile phones

Most of us have perfectly good mobile phones lying around the house just gathering dust and there are companies who will pay you good money for these – even if they are damaged. Mazuma Mobile are just one of these, but there are plenty of others.

9. Exercise

Yes, you heard it right – you can actually make money by increasing your daily activity. Bounts is one company who will pay you for your daily workout routine. All you need to do is log your exercise and you can start receiving vouchers from a range of retailers.

10. Direct marketing

This is a tried and tested way of making extra money – if you have some spare time. Companies such as Avon are still going strong, and well worth considering if you want to boost your income.

Is Your Attitude To Money Affecting Your Finances?


Is your attitude to money affecting your finances?

‘I can’t afford it’, ‘I’m skint’ and ‘I wish I had more money’ are all common phrases most people use on a daily basis, but did you know that these could be seriously affecting your finances? When it comes to good financial management, a switch in your attitude could hold the key. Have you ever known two people who earn the same, but one is always skint? This isn’t down to earnings; it is all about attitude and these are ways you can change your attitude to improve your finances.


Be money positive

Instead of thinking about what money you don’t have, make good use of what you do have and stretch it as far as possible. We all experience times when we have a shortfall of cash, but if you change your negative attitudes towards your financial situation, you will soon find you have more money available to you. When you constantly have the frame of mind of not having enough, you never will have – so don’t think about being skint, think about all the other positive things in your life and appreciate every penny you do have.



Mindless spending is often the root to being financially poor and if you become a bit more aware of what you spend, you will soon have more money than ever before. For example, do you really need to spend money on a coffee every morning? Could you not wait until you get to the office instead? It may not seem like much, but this kind of frivolous spending can really affect your financial situation. Extra spending on things you don’t really need can all add up over the course of a year. Spending £3 a day on your favourite latte, amounts to almost £800 over a year! I think we would all agree that there are better ways to spend your cash!


Social spending

If you have a hectic social life, this could be seriously affecting your finances, but some simple changes can help. It doesn’t mean you need to stop going out altogether, but instead, find new, cost-free ways to spend your spare time. Could you perhaps swap your coffee dates for a walk instead? Or instead of going out for a meal, why not invite your friends round for something you’ve cooked instead? Small changes in your attitude to social spending can have a positive effect on your finances.


Track expenditure

It may seem boring, but if you start to track your expenditure and change your attitude to what you spend your money on, you could find some easy ways to save money. Try doing this for a month; you will probably be surprised by how much you are spending on things you don’t need. If you have a monthly gym subscription for example, but you’ve only been twice in the last year, it is a waste of your money, so it’s a good idea to cancel it and find an alternative way to exercise. This doesn’t mean you can’t have nice things, but wait until you can afford it and you will appreciate it all the more.


Pay off debt

If you are up to your eyes in debt, this will be affecting your attitude towards money and will be preventing you from reaching your true earning potential. It is easy to say pay off debt, if you don’t have a lot of spare money, but rather than tearing up those unpaid bills and burying your head under the sand, make an arrangement with your lender. Most lenders will accept even a small amount, so if it is as little as £5 per week, start to make payments to your debt. When you arrive home to a load of bills every day, it can be seriously damaging for your well-being, so make arrangements as soon as you can. Set up a direct debit to pay off your debt, forget about it and focus on bringing in money.


Change your social circle

If you are surrounding yourself with people who have a negative attitude towards money, this could be affecting you too, without even realising it. We all know someone who is always complaining about having no money and guess what? They probably always will, as they have this negative mindset towards money. It is much more beneficial to surround yourself with people who have a positive attitude towards money – and life in general! Choose your social circle wisely.

I can’t get credit! What can I do?




I can’t get credit! What can I do?

If you are applying for credit and constantly receiving rejection letters – it can be highly frustrating. Lenders will check your credit score before deciding whether to accept your application and if they feel it is below par, they will reject your applications. Quite simply, lenders want to be 100% sure that you can afford to pay it back, otherwise they will be reluctant to allow you access to additional funds. Unfortunately, this means your finances are not in a good state, but there are options available to you. These are some steps you may wish to take if you are frequently getting rejected for credit.


Do you need the credit?

Firstly, it is worth taking the time to work out whether you really need the credit or not. It is often the case that borrowers get themselves in a panic when an unexpected bill arrives and rather than looking at other options, they instantly attempt to get credit. It is important to make use of other options first. For example, your friends or family may be able to help out or you could ask for an extension on the payment date. You should only apply for credit, if you really need it.


Check your report

It may be that you are unsure why you are getting rejected. Maybe you believe your finances are in a good state and are confused as to why you can’t get access to credit. In this case, you should take a look at your credit report. It may be that there are some errors on your file which need to be rectified. The sooner you know where you stand with your credit, the easier it will be to make some changes.


What is the criteria?

When you know your credit score, you will be in a better position to understand your options. Lenders have different criteria when it comes to accepting applications and if your score is below the criteria, there is no point in applying, as you won’t be accepted. Always check the criteria before you make your application.


Stop applying!

If you are desperate for some extra funds, it can be very tempting to keep applying for credit, in the hope that someone will accept your application. However, this is the last thing you should do – so, if you are getting rejected, stop applying! Your credit report could be negatively affected every time you are rejected for credit, which means you could make your situation worse, rather than better.


Try a payday loan

Everyone experiences situations when they really need access to funds, but with pay day weeks away, they have no other options. In this case, it may be worth applying for a payday loan. A payday loan gives you access to funds quickly in an emergency and these are a good solution if you urgently need to pay a bill. Payday lenders tend to be a bit more lenient with credit scores than other financial institutions, so can act as a lifeline for many. If you decide to go for this option, just make sure you only take out a loan which you can afford to pay back on your next pay day. The last thing you want is to add more to your debt, so be careful when exploring this option.


Get good at budgeting

The only way to improve your current financial situation is to take a look at your finances. Quite simply, you shouldn’t be spending more than you are bringing in, so careful budgeting is important. If you are getting rejected for credit, it is down to your current situation; but there are always improvements you can make in this area. It is a good idea to sit down and take a look at what you are spending your hard earned cash on, as you are bound to find some ways to make savings. For example, if you are buying takeaways twice during the week, you could make savings by making your own meals instead. Could you walk to work instead of taking public transport? These may seem like small amounts, but over the course of a year, can really add up. The smarter you become with your finances, the more money you will have, which means less need to take out credit.


Boost your score

The only way to start getting accepted for credit is to improve your credit score. It doesn’t matter how low your score is at present, you can improve it. If you have outstanding debt, make arrangements with the lender to pay it back. Take a break from applying for credit until you have made some drastic improvements.