Can’t Afford Christmas? 10 Ways a Quick Cash Loan Could Help
Christmas is a fun, celebratory holiday that should be exciting! So if you are going into the Christmas season with dropped shoulders and dread, silently crying out “Help, I can’t afford Christmas this year!” then this blog is for you to learn 10 ways a quick cash loan could help you afford Christmas.
Overview
- Consolidate bills
- Manageable repayments
- Stress-free holidays
- Focus on family time
- Christmas is a time for giving
- Afford to treat yourself
- Start the new year on a high
- Plan your new year budget
- No repayments until your paycheck
- Save your Christmas bonus
Can’t afford Christmas? Here’s 10 reasons to get a quick loan
A quick cash loan could bridge you through the holiday madness. But getting a loan isn’t always the right option for everyone, for example, you might prefer to make extra cash for Christmas. If you are looking to get some financial help then here are 10 ways a quick cash loan could help you survive this Christmas season.
1. Consolidate bills
If you can use a short term loan to help consolidate some bills into one payment, it might help you get through this time period more easily. Rather than trying to make several different loan payments, you can use a debt consolidation loan to pay off your different debts and thus consolidate that debt into one place.
2. Manageable repayments
The loan repayments should be small enough to help you make it through shopping for Christmas presents, parties, fancy food, drinks and anything else, relatively unscathed. Once you get through the holiday time period, then you can focus on paying off the rest of the loan quickly.
Perhaps you could make some extra money by nabbing more shifts at work or selling some items you might not need anymore.
3. Stress-free holidays
If you decide to take out a medium term, small personal loan it could help cover costs during the holidays and give you a more stress-free time during the festive time of year. Imagine not dreading the bills coming your way in January!
4. Focus on family time
Your family suffers when you’re stressed out and worried, so one of the best ways to show you care this holiday season is to take the burden off your shoulders. Your loved ones will appreciate seeing you relaxed for once during the holidays. Plus, you might be able to give everyone an extra little gift while still paying off some debts.
5. Christmas is a time for giving
If you feel like you can’t afford Christmas this year, it’s going to be hard for you to get into the Christmas spirit of giving and generosity. As we said above, taking out a quick cash loan might allow you to provide some extra holiday magic for your family, especially if you have little ones.
6. Afford to treat yourself
Even if most of the personal loan goes to paying bills and taking care of debt, that doesn’t mean you shouldn’t allow yourself a night off from your cares. Give yourself a little holiday fun and go out for a nice dinner with your partner or go see a themed show.
Or go out with your mates and attend a fun party. Whatever it is, treat yourself. You work hard and deserve a tiny break!
7. Start the new year on a high
Even if you need to use most of the small loan to pay current bills and do some holiday shopping, perhaps there is enough left over to pay off a small debt, like that last little bit on your credit card bill or a medical bill. Or maybe you’re late on some bills, so instead of thinking, “help I can’t afford Christmas and pay these bills,” you can end your year worry-free and start next year fresh.
8. Plan your new year budget
Use this as an opportunity to set yourself up on a better financial path as you head into the new year. Really take the time to create a budget and factor in all your bills and expenses. You will also need to factor in your loan.
9. No repayments until your paycheck
Another nice perk of taking out a Christmas loan right now is that your first payment won’t be due until your next paycheck day, so you’ll have time to plan how to work it into your budget. If you are using it the right way, then you should be getting rid of some debt while also paying bills, so it shouldn’t be an extra payment on top of everything else.
10. Save your Christmas bonus
If you make a year-end bonus but don’t know how much it will be, it’s smart not to rely on it to pay bills and buy gifts. When you use your payday loan to help you pay bills and get through the financially burdensome holiday season, instead of waiting around for that bonus, you can actually put away some or all of whatever year-end bonus you receive into savings.
Wouldn’t it be nice to kick off the new year with some savings in your account?
So, if every year you have nightmares that you can’t afford Christmas, make this year different. Look at getting a super-simple Swoosh loan – with a quick approval process, fast direct deposit into your bank account and no need to have perfect credit. You can apply for any amount up to $5,000.
So figure out what you can afford to repay and what will make the holidays a little easier for you, and apply now!
