The New Year is here and the flurry of Christmas spending is over, but for many of us the lingering effects of splashing out on extravagant gifts, lavish parties and self-indulgent food will still be with us. So, it\’s worth planning on how you can get your finances back in order now 2013 is upon us.

I\’ve assembled an instant list of some basic ideas to help ease the extra strain caused by seasonal spending using things you already own.

Make use of your possessions to secure an online pay day loan

Diamonds, gold, fine jewellery, designer watches and antiques – to name but a few – can be used to secure a short-term loan online. Sometimes, this kind of financing can be a better choice than selling your belongings outright. Here\’s why:

– Provided you repay the loan, you can keep your possessions – this is perfect if the item in question has sentimental value

– You can use the identical possession to secure another loan or sell in the future

– You\’ll receive an accurate valuation (as long as you use a reputable provider, that is!) so you can be sure you\’re getting a fair deal

– No credit rating

– You can receive your loan within Twenty four hours of it being approved

Loan – Local market stalls

Secure a short-term loan from a Pawn broker

You might have been thoroughly spoilt over the Christmas season, but it is fairly likely you will probably have received at least a few gifts that you don\’t really want – it happens to us all. Instead of hanging on to these out of sheer politeness, you can put them to use to help recoup some of your seasonal spending.

As a quick caveat, it\’s best not to do this with anything that might have sentimental value – as an example, if a family member has passed on an heirloom.

There are particular ways you can sell your unwanted Christmas gifts. You can, for example, take up a stall at a local market – provided you have plenty to sell. Or, if you have fewer items, you could simply take them along to an event like this and see if any of the stallholders would be interested in selling them for you.

As a brief tip, it\’s worth taking a good look around your property to see what else you can include in this. After all, the New Year is the ideal time to de-clutter with a spring clean, so you may as well sell, rather than simply discard, any personal belongings you no longer want or need.

So, choose any books you do not need, old toys the kids have grown out of, and ornaments that have spent the last few years packed in boxes. There\’s no need to be super-selective about what you sell – after all, the worst that can happen is you\’ll end up taking something home again – but do make sure whatever you offer is in good condition. Or else, you might put off customers.

Use online auction sites

Naturally, you may not have the time or tendency to man a stall – even just on a non permanent basis. But, online auction sites (like eBay) are wonderful alternatives.

Using these, you can sell your unwanted gifts and old possessions without having to freeze in the process. It\’s worth remembering you need to be timely with your posting to avoid getting bad ratings, though, so it\’s a smart idea to have packaging ready.

However, if you own anything that\’s either got sentimental value or is worth a lot, I\’d recommend instead going with my first suggestion and using it to get a short-term loan instead.

Contributing author Mark Aucamp has been providing Money Saving Tips with regular Money Saving Advice and comments. Mark has extensive experience in providing Financial Advice and Solutions. Today Mark discusses a great way to secure a short-term loanPAWN BROKERS http://moneysavingtips.net/

Contributing author and publisher Mark Aucamp has been providing Money Saving Tips with regular Money Saving Tips and advice. Mark has extensive experience in providing Financial Advice and Solutions. Today Mark discusses \”How to obtain a QUICK LOAN from a PAWN BROKER http://moneysavingtips.net/

Author Bio: Contributing author Mark Aucamp has been providing Money Saving Tips with regular Money Saving Advice and comments. Mark has extensive experience in providing Financial Advice and Solutions. Today Mark discusses a great way to secure a short-term loanPAWN BROKERS http://moneysavingtips.net/

Category: Finances
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