How to dress for spring 2013 (if it ever comes)

Looking outside the window, all I can see is a whirlwind of white. March brought the official start to spring, but it would seem that someone forgot to tell the weather that. Currently, I am dressed head to toe in cosy knitwear that I had hoped would by this point in the year, be safely stored in the back of my wardrobe, not rearing their soft  toasty heads until at least the start of September. Instead it’s the cute sun dresses and bikinis that have been condemned to the confines of my closet, begging to be worn, to feel the heat on their fabric, but every time I open the door to grab another massive jumper I have to shake my head sadly and say “not today”. On the off chance that spring finally decides to wise up and give us the sunshine we’ve been waiting all year for, The fashion conscious sponsorship guys over at Wonga.za have provided a list below of a few key pieces to keep you looking stylish in 2013.

Bermuda Shorts

All over the New York runway this season, Bermuda shorts are ideal for anyone who wants to show a bit of leg without having to show their bum cheeks to the world. Super flattering and chic, they suit just about everyone. Perfect for a walk on the beach, they look fantastic dressed down with a pair of sandals or dressed up with some strappy heels. Go for light and floaty this season to be bang on trend.

Statement Sunglasses

This year it’s all about the wow factor with your sunnies – the bigger and bolder the better. With a shape and colour out there to suit every face shape, there’s no excuse not to grab yourself a pair of these bad boys. Not only will you look fabulous but you’ll be projecting your eyes from harmful UV rays. Plus, you get the added bonus of being about to check out those sexy beach bodies without being caught.

Cut-out Pieces

Ok, so not an individual piece of clothing, but anything that shows a bit of skin is going to be big this spring. From midriff bearing separates to sheer fabrics, there’s something for the most daring to the most demure. This year designers have gone for more intricate laser cut designs to create delicate, detailed looks, guaranteed to make you stand out from the rest.

Pinafore Dresses

Cute and quirky, pinafore dresses are making a huge comeback. They’ve had a major reworking this season and you’ll now see them with modern twists, such as the leather pinny that’s shaping up to be one of the biggest key pieces for 2013. You’ll find them in a whole range of styles, from girly and floral to androgynous, there’s a pinafore out there to suit everyone. They make the ideal casual wear, looking great with plimsolls, sneakers or sandals.

Media – Payday Loans Are Here to Stay – Get Over it!

A lot of media are running tons and tons of pieces against payday loans, and we felt that it was a great time to fight back. During the holiday season, people are thinking about spending quality time with their families. Why not enhance that experience with a payday loan if that’s what you really want to do? It’s all about choice, and until they say otherwise, this is still a free society. Everyone should be able to know their limits and work well within them. It’s one thing to know that you just cannot handle credit in any form, and quite another story to know exactly what you’re working with. The last thing that you want to do is find that you just can’t seem to get things taken care of for the long run. You want to be able to get the financing that you need even if every traditional bank doesn’t think that you should have it at all. You will be better off applying for a payday loan online, where the processing time is reduced greatly.

There’s no doubt that you can get a payday loan. It’s not about being popular, it’s not about knowing the right people and it’s certainly not about being liked by absolutely everyone. It’s completely about whether or not you can pay back the loan. You just have to focus on that and everything else will happily fall into place.

There’s something to be said about looking at everything from the most logical viewpoint. When you know that you need financing, why try to delay and pretend that you don’t? This is only going to make it harder to get where you ultimately wish to be.

The media can get over the presence of payday loans. They can indeed hurt people, but that’s the nature of all financial products. You don’t have to fear credit — you just need to learn how to master it.

Again, it cannot be stressed enough — you will definitely want to make sure that you focus on applying online as soon as possible in order to get the best processing times. There’s no reason to sit around when you could have the money that you need.

As a gentle reminder, you can pretty much use the payday loan money for anything that you want to use it on. There’s no one that you have to explain what you will use the money for. So if you want to use the extra after paying the bills on throwing a great holiday party or getting that special someone a gift, you can definitely do that without a problem at all. It’s up to you to figure out where you want to go with this.

Good luck with everything that you have planned this holiday season!

Single Mothers Can benefit From Payday Loans Too!

Life as a single mother is something that is incredibly hard. Of course, we’re not trying to be sexist here at all. There are plenty of single men that are raising children as well. However, since the society we live in has an overwhelming amount of single women trying to raise children on their own, we decided to make a guide primarily for them. Men can read along and adapt the solutions to their own needs, as always.

The bottom line here is: a single woman has a lot on her mind. Her children have to take top priority in her life. They cannot be ignored or set aside — that would just make life difficult. They need so much time and attention that it can really be hard to even think about relationships. If you’re a single mother having a hard time making ends meet, you might feel like you just don’t get any assistance at all. Thankfully, there is a way to get help with extra money when you need it. You can turn to a payday loan.

Now, you might be rolling your eyes right now. That’s what we did too, because we only thought about it in terms of what the media told us about payday loans. There are a lot of reasons to really like payday loans.

First and foremost, it’s available around the clock. Even if the payday loan shops are closed, you can always go online to apply for the loan. You can get approved and have the funds deposited into your account when the normal business hours roll around again.

This money is powerful — you can use it for anything you want. And did we mention that it’s confidential? That means that you aren’t going to have anyone that will know what you’re doing. If you show up with the extra money, nobody will assume that it’s a payday loan. You don’t owe them an explanation either. Taking care of your kids sometimes means that you have to top take extreme measures to make everything work. And that’s okay — you’ll be out of the rough patch soon enough!

It’s a given that payday loans have a higher interest rate, but people don’t think about the cost of inaction. When you’re taking care of a child, you sometimes don’t get a second chance to get things done. You don’t get a chance to make sure that everything and everyone is going to be fine. The reality is that you have to make sure that you’re going to be safe and well. The reality is that you have to make sure that you are looking carefully at just about everything happening both in the short term as well as long term. It’s up to you to take good care of your children, and payday loans help you do that. Are they immoral? Unethical? We don’t think so at all. Family and friends may love you, but they might not have any money to spare. Do you really want to end up failing to make things happen because you’re worried about the future? That’s no real way to live, you know. You have to focus on the bigger picture and not get sucked into the “worry game”. Good luck!

How to Understand the Application Process for a Payday Loan

Did you know that applying for a payday loan is actually fairly easy? Payday loans are actually one of the easiest loans to obtain in the entire world. Below, you will find information that can help you better understand the application process, so that you are familiar with it before you apply.

Payday loans do not rely on your credit history

It’s important to understand that the payday loan company is not going to check your credit history. They are not concerned with what your credit says about you, they are primarily concerned with your employment. As long as you have present employment and you can verify that you receive regular payments from your employer, they should be able to approve your loan application.

Verification can be provided in more than one way. If you do not receive pay stubs from work or receive a check, bank account statements that show regular payments can also be used as a form of verification.

Payday loans feature a simple online application

Another thing to understand is that payday loans can generally be completed online. It’s a very straightforward and easy procedure and it only takes a few minutes of your time. Of course, you have to provide the fundamental information like your first name, middle name, last name, and more. You also need to provide information on your current state of employment and how much money you make. These are details that are necessary to the application process.

After your application is submitted, it will take one to three days for a reply

After you have submitted your application to the company, it will generally take about 1 to 3 days for them to get back to you on your approval status. Of course, sometimes these applications are processed quicker and they will get back to you within a few hours. However, the company generally requests a few days for them to have enough time to process your application and provide a formal and direct response to you.

You will be expected to repay the loan within a timely manner

After the loan has been given out, you will be expected to begin making payments immediately. Payday loans are short-term cash, they have to be repaid fairly quickly. Make sure that you prepare your schedule appropriately so that you can start making payments within as little as 1 to 2 weeks.

How to Find a Quality Payday Loan Company Online

If you are looking for a payday loan company to get a loan from, there are some methods that you can use to find quality payday loan companies on the Internet. Some of these methods have been documented below, these are effective ways to locate a payday loan company within a very quick time frame. Additionally, these methods also help you locate a payday loan company that has a good interest rate, solid repayment terms and lots of additional features.

#1 – Search on Google for low APR payday loans

Searching on Google for low APR payday loans will often help you find a business that offers the lowest interest rate possible on payday loans. Keep in mind, payday loans do have substantially higher APR rates than credit cards and other types of loans. For this reason, it is important that you find a company that advertises their low APR services. This shows you that they cater to those who are looking for a lower interest rate and they can help you save a lot of money, especially if it takes you a significant amount of time to pay off the loan.


#2 – Check websites like Craigslist

Often times, companies will publish advertisements on websites like Craigslist when they are trying to get the word out about their services. This can be a great way for you to find out about companies and learn what types of services they bring to the table. Payday loan companies are commonly found on websites like Craigslist, so be sure to give them a look over if you are trying to find a quality payday loan company to work with.

#3 – Check for reputable payday loan companies based off reviews

One of the methods that you should use to locate a quality payday loan company is to check for reviews. You can look for reviews of the company online, this is one of the best ways to see how many years they had been in business and what the quality of their work is. If there are a lot of clients that are upset with them, this shows you that they have had a lot of hang ups with their company and this may deter you from working with them.

Advantages of a Payday Loan

Payday loans have so much bad press it can be difficult for some people to imagine that there is anything good to say about them. Many people do use them though and so they obviously appeal to them. There are therefore advantages of payday loans for some people.

The loans are available to people with bad credit records. Often a bad credit record means that you will be automatically turned down for any sort of loan and in this case, you will not be. It may your only option and so it could be a very welcome one.

Despite the loans being branded as expensive, there are other ways of borrowing that are dearer. You also only have the money for a short period of time and so the actual interest does not have many days to add up over and so the cost is kept to a minimum.


A payday loan can be organised very quickly. You can sometimes have the money in your bank account within a few hours, which can be very useful in a financial emergency. If you have a credit card or overdraft you can get money that quickly, but most loans cannot be organised that fast and if you have a bad credit rating you are unlikely to be able to have access to these types of borrowing anyway.

You do not need any collateral for a payday loan and this can be a big advantage for people who do not own a home or vehicle or anything else that is valuable. Some loans do require that you put something down and so this eliminates the option for many people.

So if you have a bad credit rating, no collateral and need money fast and for a short time period then a payday loan could be a good solution for you. It is not the best thing for everyone, but there are people that need this sort of help and fall into this category and so the payday loan will be best for them if they have a financial emergency.

Tips for Applying Online for a Payday Loan

If you are looking to apply for a payday loan, the advancement in technology has made it possible to apply for one online. These loans are short-term and you are going to need to pay the lender back once you get paid again.

Start Researching

You’ll want to look around at the numerous companies that offer these types of loans to consumers. You’ll want to read the loan amounts they offer as well as what their repayment terms are. Consider the interest rate as well, but be prepared to see something in the double digits. Once you find a company that you are interested in, begin filling out the application.

Filling the Application Out

Applications for the most part are small and short. You do have to be 18 to apply for one and you do need to have minimum income requirements each month in order to qualify for these loans. You’ll be asked for basic information and before you accept the money, the lenders will ask you for banking information to deposit the money directly into your account.


Close All Other Payday Loans

If you have taken out payday loans before, you are going to have to make sure that they are all up to date or closed. You aren’t going to be able to get any new payday loans if you have others that are in default or are not current and paid up to date. Also, if you have bounced checks or any overdraft charges on your account you are going to find that it might be difficult to get new ones.

Read the Contract

You should make sure that once you apply you have a full understanding of the terms and conditions. Make sure that when you sign the contract, all due dates are listed out in regards to the repayment terms. The loan’s length should be listed out as well.
You’ll need to have a bank account so the lender can deposit the money into. This will be done within a day if not the same day depending on how accurate the information is and as long as there are no mistakes made.

Stay the Course in Your Life – Payday Loans Give You That Power!

If you’re like most people, you probably already have a nice plan set out for your life. There are things that you want to do, places that you wish to see, and many things that you probably want to buy through your lifetime. Everyone has different goals in life, but there are some common threads. Deep down, we want to make sure that our lives are going to be as stable as possible. Yet life always has the power to throw us off. Emergencies can come out of nowhere and strike us when we’re at our lowest point, causing a lot of stress and worry in the process. Thankfully, it is possible to break out and move on with life. You can stay the course in your life, even when emergencies happen and you don’t immediately have the money.

Your next paycheck might be a little far off, but that doesn’t mean that you can’t lock into payday loans. They help you stay the course in your life. If you know that you have the power to get out of the situation that you’re in, payday loans provide that stopgap measure you need to make it happen. If you aren’t careful, you’ll end up being unable to get things done just because you didn’t respond in time. Is that really the path that you wish to take? Not really. You want to focus instead on getting things done as much as possible. It’s tempting to believe that you will have no opposition to this, but you might just be surprised at what will come up when you refuse to take inaction fast enough.


Sure, your friends and family really do care about you, but that doesn’t mean that they will just have money waiting for you. In order to take care of your life, you have to take charge. You have to stay the course, even when others are fooling around in life. You have to stay motivated, even when it feels like it’s impossible to get back on track.

Check out www.paydayloansuk.org.uk for a site that gives you plenty of options in terms of the payday loan that you want. Why not look into it?

Again, don’t fall for the cost of inaction just because the media says it’s okay. You have a right to get your life back on track, and a good payday loan that’s paid off properly will help you do that!

Top Questions to Ask Yourself Before Getting a Payday Loan

Nowadays, it seems that everyone is struggling with their finances, and it leaves many of us looking for a solution. For most people, payday loans are the best way to go about getting out of a rut and to help pay the bills until payday comes around again.

These short-term loans are great for emergencies that come up when you least expect it, and you’ll typically have to pay the loan amount back when you get paid again unless otherwise stated.


A few things you’ll want to ask yourself before you get yourself into one of these loans might include:

•    What do you want the loan for?
•    Is it something you can put off until next payday?
•    Is it something that’s necessary? Can it wait a few more weeks?
•    Can you afford to pay the entire loan off in time?
•    Are you going to have money left after you pay back your loan with your next check?
•    Is this the only option you have at the moment?

By asking yourself these things, you can help determine if this type of loan is something you necessarily need or if you can put off things another week or few days until you get paid. This mainly is because the interest you’ll see with these loans might be through the roof. In fact, some places charge as much as triple the amount of the original loan!

However, financial struggles are a burden to deal with, and for some, it’s the only way to make ends meet. If you’re getting one of these loans to stop the bill collectors and their harassing calls, this is something you can put off another week. Better yet, tell them you can’t afford what they are asking for. Chances are, they are going to take whatever they can get.

If you find though that your flat tire can’t wait or that you need to go to the doctor for a medical emergency, these loans are going to provide you with the funds you need to get you through until next payday.

Here’s What You Need To Know About Payday Loans

In the current difficult economy, many people are discovering themselves short of cash once they most need it. If your credit rating is not good, getting a financial loan may be out of the question. This is exactly the sort of case that makes an online payday loan worth your consideration.

People who need money now may need to use payday loans. It is important for borrowers to understand the details of the loan and also the possible repercussions before getting into a loan agreement. Payday loans have high rates of interest and a number of fees, which frequently makes them challenging to pay off.


In the event that self-employment is your status, then investigate forms you are going to have to complete. Payday loans are different for those that are self-employed. Contact the company and ask a representative that will help you complete the application process. It is then less likely that you’ll make a mistake.

Make sure to step back and give yourself a “cooling off” time period for at least ten minutes before you sign away on a payday loan. Sometimes you’ve got no other options, and having to ask for payday loans is typically a reaction to an unexpected event. Talk to friends and family regarding your financial difficulties before taking out financing. They may have solutions that you simply haven’t been able to see of due to the sense of urgency you’ve been going through during the financial hardship.

Those people who are considering applying for a cash advance ought to check the company’s BBB score before signing anything. This will provide you with insight into the lender’s status, which will go a long way in providing you with peace of mind when you sign anything.

Payday loans may make sense when you will have money, but accessing it might be costly. For example, if your money is currently tied up within an Accreditation of Deposit. If you have other available choices, such as a low-interest credit card or an open up line of credit at your bank, steer clear of taking out an expensive payday loan. Be sure that you have the intentions of paying the borrowed funds back and you’re fine.

Do not fool yourself that the cash you get from a payday loan may solve your financial situation. The circumstances and terms of these offers could trigger a lot of higher rates of interest and fees. Triggering any of the charges or penalties can trigger snowballing costs that place you into an even worse monetary emergency.

You need to be careful with regards to scammers that are associated with the pay day loan industry online. These con artists are generally known by techniques as a) using names much like real companies, b) providing a loan by phone and d) telling you your credit score doesn’t matter. When they get your personal information, the utilizes they will put it to won’t be good, to put it mildly.

As you have study, payday loans will get you cash quickly, and you’ll not have to go out of your way to do this. Nonetheless, before going through with this particular sort of loan, you must make sure you understand all the details. Use the suggestions you have read here to ensure that you do not get yourself in more difficulty.