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How To Manage A Logbook Loan Debt You Can’t Pay Back

You have taken out a logbook loan thinking that you will pay it back quickly, only to find that circumstances didn’t work out the way you would have liked them to and you aren’t able to meet your regular payments. This happens, life isn’t always straightforward and...

Increase Collagen Naturally

Increase Collagen Naturally Collagen is an essential compound which helps in keeping the skin healthy, strong and younger looking. But it’s an undeniable fact that our body’s ability to produce collagen decreases as we continue to age and the damage that’s brought...

How to Tend Your Home

How to Tend Your Home When you want to improve your home, you have to invest time, money and hard work to make sure that you get the best out of your work. But even though it’s a rewarding experience to do home renovation yourself, it can turn into a disaster if...

How to Tend Your Home

How to Tend Your Home When you want to improve your home, you have to invest time, money and hard work to make sure that you get the best out of your work. But even though it’s a rewarding experience to do home renovation yourself, it can turn into a disaster if...

A Small Market In Need Of Regulation

Taking out a loan need not always be necessary if your finances are in good shape in the first place. Saving for emergencies can help you meet unexpected bills when you may have otherwise had to take out a logbook loan. Let’s take the scenario of your car needing lots...

How To Manage A Logbook Loan Debt You Can’t Pay Back

How To Manage A Logbook Loan Debt You Can’t Pay Back

You have taken out a logbook loan thinking that you will pay it back quickly, only to find that circumstances didn’t work out the way you would have liked them to and you aren’t able to meet your regular payments.

This happens, life isn’t always straightforward and unexpected events crop up to throw plans you had up in the air.Loan repayment

Think clearly

The first thing to do is not to panic and speak to the logbook lender that you arranged the loan with and tell them that you are having difficulty making payments. A good lender will come to an agreement with you regarding the debt balance. They may be able to defer the payment until you can put the money together or, lower the payment for a short time.

You need to show evidence that you are working to find the money and intend to make the next payment as soon as possible. When you take out a logbook loan you are putting your car up as security for the loan and this is always at risk if you don’t pay the loan back. The lender legally owns your vehicle and can repossess it at any moment.

Be communicative

For this reason you need to cooperate with the lender as much as possible in order to reduce the possibility of your vehicle being repossessed. They will want to help you resolve your payment problems because they will often repossess your vehicle as a last resort. It isn’t ideal for them as they have to spend time and money doing this, when they would rather you made the payments due.

Debt help

If you are having debt problems there are charities out there that can assist you and give advice. The Money Advice Service is an excellent place to start and we recommend this to anyone looking to educate themselves about money issues.

There are plenty of other charities out there who will lend a hand to helping you solve your debt problems. This is a useful list from the HMRC of some of the main organisations, and we have come up with our own list here.

It can take time and patience to clear a logbook loan that you are having trouble with. A good lender will give you that to a certain extent. It is not a good idea to take out a logbook loan to pay off another similar loan. You are likely to find yourself falling further into debt, with less hope than before of paying the loan off. Focus on paying the original loan off first so you get your finances back on track as quickly as possible.

Increase Collagen Naturally

Increase Collagen Naturally

Increase Collagen Naturally

Collagen is an essential compound which helps in keeping the skin healthy, strong and younger looking. But it’s an undeniable fact that our body’s ability to produce collagen decreases as we continue to age and the damage that’s brought upon to our skin decreases collagen production further. What are the ways that you can do to increase collagen?

Here are just some of the foods that you can consume that can help to increase collagen:

Dark Green and Leafy Vegetables

Vegetables like spinach and cabbage are excellent sources of the antioxidant called lutein. This helps in the collagen production if you include them in your daily diet. Furthermore, these vegetables also help in hydrating the skin and promoting skin elasticity, preventing wrinkles from appearing. They’re also rich in Vitamin C which aids in collagen production and protein synthesis.

Vitamin C

If you want to increase collage production, you can never go wrong with Vitamin C. It can easily be found in various fruits and vegetables like orange, tangerine, lemons, strawberries and more. Vitamin C helps in keeping the collagen production of the body at a normal level while our skin experiences damage throughout the day. This is also why many beauty products like creams, lotions and face masks that help in collagen production contain Vitamin C.

Genistein

This element can easily be found in soy products like soy milk and tofu as well as different kinds of cheeses. Genistein aims to increase collagen production while also blocking the enzymes that breakdown and cause damage to the skin. It can easily be obtained nowadays since soy products come in various forms.

Prunes

Free radicals are the common culprits when it comes to skin damage and hindering the production of collagen. That is why you need a suitable source of antioxidants that provide adequate protection for your skin and help in maintaining the normal production of collagen. Prunes are just one of those sources which help increase collagen naturally by consuming prune or aged fruits. While prunes contain the highest level of antioxidants, blueberries are also suitable sources as well.

 

Red Fruits and Vegetables

Because of the compound lycopene, the antioxidant protection that our body has is further strengthened when eating these kinds of fruits and vegetables. Apples, beets, red peppers, tomatoes and more are great sources that help increase collagen in our body. Aside from those sources, sweet potatoes and carrots are also potential sources of lycopene. This is because research has shown that fruits and vegetables that have red, yellow and orange colors provide antioxidants that protect the skin from ultraviolet rays.

Beans

Hyaluronic acid is an essential ingredient when it comes to keeping the skin healthy and maintaining the adequate supply of collagen in our body. To increase collagen, eating beans is important as they are excellent sources of hyaluronic acid.

Fishes

When it comes to collagen production, omega acids provide a suitable environment for its optimal functioning. Omega acid can be obtained from sources like tuna and salmon which help in keeping the collagen production at a normal capacity. Read more..

How to Tend Your Home

How to Tend Your Home

How to Tend Your Home

When you want to improve your home, you have to invest time, money and hard work to make sure that you get the best out of your work. But even though it’s a rewarding experience to do home renovation yourself, it can turn into a disaster if you’re careless. Here are just some tips that can help you in taking care of your home.

Alternative to Paint and Wallpapers

When you’re in a rented apartment or house, some landlords don’t permit you to do your own painting of the walls or even apply wallpapers. This leaves you stuck with often unpleasant wallpapers or a horrible paint job on the walls. Flat bed sheets are an excellent way to go around this since you can easily tack them to the wall to add an artistically pleasing design. You won’t have to worry since this won’t damage the underlying wallpaper or paint while you still add your own tastes.

Check Contractor Credentials

Getting a trustworthy contractor is a must if you want to get their services. Always check the background and credentials to make sure of their credibility. Ask friends and family if they have engaged in deals with the particular contractor. There are a lot of scam contractors out there and you need to be careful.

Smart Paint Job

Painting stripes before applying panels is a good way to hide cracks. You should first determine where the panels meet before installation to hide the unnecessary cracks on the walls. Painting stripes give an illusion, going well with the panels of the room.

 

Doing home improvement by yourself is a rewarding experience. But to prevent mishaps that can result in long term damage that’s expensive and a bother to repair, you have to work smart and efficient. These tips will help you go about problems easily in ways you might not even think of.

A Small Market In Need Of Regulation

A Small Market In Need Of Regulation

Taking out a loan need not always be necessary if your finances are in good shape in the first place. Saving for emergencies can help you meet unexpected bills when you may have otherwise had to take out a logbook loan.

Let’s take the scenario of your car needing lots of expensive work in order to pass it’s MOT. This can come as a nasty surprise to many people and completely unexpected. If you had put aside £50 a month over the course of a year you would have saved £600. This might cover, or go some way to covering the costs of the repairs and stop you from needing to apply for the loan.Budgeting pounds

If you were to take out the loan, not only would you be paying for the repairs but you would also have to pay the interest rates on the loan. The longer you have the loan for, the more it will cost. If you keep it for a long period of time you may end up paying the same amount as you borrowed, or even more in interest payments.

Of course, saving £50 is impossible for many people, you might just not have anything left at the end of the month. If you find yourself in this situation, analyse what you spend each month. Set up a spreadsheet on Google Docs or use Microsoft Excel to write down every one of your expenses. This includes rent or mortgage, all household bills, TV subscriptions, mobile phones and expenses for entertainment. This is a very good budget planner, with tips on how to do it in an efficient way.

Analyse all these monthly expenses and be brutal. What is not essential? What can you cut back on? You might be surprised that when you really need to cut back you will be able to find a way.

If you want to have a more comfortable existence when it comes to money, sometimes you need to be a bit hard on yourself so you can save up some kind of an emergency fund. This will avoid you needing to use expensive loans and getting into debt problems.

Loan companies will tempt you with great rates and deals and sometimes a loan is a good idea, but this should only be when you have exhausted all the possibilities of saving money for yourself.

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