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Summer! Wouldn’t it be wonderful to go get away on a beach and get a tan (if you aren’t already). Wouldn’t it be much more wonderful if you got extra cash stashed somewhere to enjoy a day or two in peace? Or maybe spend your holiday in a 5-star hotel? Well, here’s your chance to get 500$ – via Visa, Amazon or Paypal.

A group of generous bloggers teamed up to give you this awesome giveaway, please go through the rafflecopter entries well to qualify. Have fun!

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This giveaway runs from May 21, 2013  until June 11, 2013 at 11:59 PM EST. Please feel free to complete the entries anytime. Remember, you can always come back to enter daily entries for more  chances of winning!

Disclaimer: Tune up your budget is not responsible for the prize fulfillment. Giveaway is not associated with Facebook, Twitter, Pinterest. The host and the sponsors of this giveaway reserves the right to change or cancel the giveaway without prior notice.

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Nowadays, getting money for your current needs is not difficult to do. Banks are no longer the only places where you can get loans and other forms of credit. Other companies now offer loans online, without requiring any financial documents or extensive credit checks. These loans are known as instant decision loans, payday loans or same day loans. This is certainly a welcome development in terms of consumer finance. In fact, industry reports show an upward trend in the number of consumers availing of these loans. While this facility allows consumers to get their money virtually without any waiting time, enjoying all the benefits of this loan product involve some serious thinking.

image via http://money.cnn.com/

It’s not “free” money. This is what financial experts always stress. The ease by which you get the money in your bank account makes it easy for you to forget about the obligation that you get at the end of your loan tenor. It is important to understand that instant decision loans are meant to be emergency loans. These loans should serve to bridge the gap between current financial resources and the next cash inflow. You take out this kind of loan when you have an urgent expense now that you do not yet have the money for, but are expecting to have the funds for it when you get your next pay check. Given this nature, you have to be ready to pay for the amount of your loan plus the interest charges when your next salary comes.

Instant decision loans are financial obligations. Just as you did not have to wait to get your loan proceeds in your bank account, your lender also expects you not to make them wait on your due date. You have to pay your loan accountability in full when you get your salary. Otherwise, your loan repayment amount could easily grow to almost triple your original loan amount within a span of 61 days from the time you got your money. Ensuring that you have enough money to repay your loan is something that you should do before applying for an instant decision loan. Click here to know more about to know about what you need to do to take advantage of instant decision loans.

With the way mobile phone technology evolves, it cannot be helped that people will eventually have a box full of old mobile phone models sitting in storage.  Worse, this electronic garbage can end up in the world’s landfills.  Waste like these can be harmful to the environment.  There is a proper way of disposing of your old mobile phones that will not cause further damage to the environment.  You can save the environment and earn money at the same time when you recycle mobile phones for cash.

recycle!

There are online websites that have taken up the challenge of helping people responsibly dispose of their old mobile phone units.  Everything can be done online.  A mobile phone owner simply has to visit the website and find the instructions for sending in their mobile phones.  The owners of the website buy the mobile phone units and send the payment back to the seller.  The transactions are secure and safe.  You can be assured that you will get top dollar for old mobile phones that you do not have much use for.

Aside from mobile phones, there are other electronic gadgets that make their way to the landfills.  This includes laptops, computers, gaming consoles, tablets, and digital cameras among others.  It is everyone’s responsibility to make sure that their gadgets are disposed of properly.  There are recycling groups and companies that can help you.  You have to take the time and exert the effort to seek these companies out so that you can do your share in protecting the environment.  With opportunities to earn from the proper disposal of your electronic waste, you should be even more motivated to do the right thing.  The future will not run out of new electronic gadgets.  But, when these gadgets are not disposed of properly, there might not be a future to speak of.

There’s a thin line between the spontaneous and the forgetful. At some instances they both get left behind on important happenings. Say, spontaneous decided he would like to watch the next concert of his favorite band…Forgetful said the same thing but both of them were not able to get a hold of any tickets; spontaneous was late to decide on and all tickets were sold out while forgetful simply — forgot.

If there are spontaneous and forgetful people, there are also the busy ones and the disorganized lot. Those who are suddenly unavailable because of a sudden change to a business trip or those who would cancel because they forgot that their parent’s golden anniversary is on the same date and it’s a must that they should be present on a dinner but went on to book without checking. Good thing there are online marketplaces like Stubhub for buying and reselling concert, sports, and theatre tickets. It is an online portal where you can resell tickets you don’t need or can’t use. It’s also a where you can find tickets that were sold out months ago for less – being sold by fans who for one reason or the other can’t commit to using them.  So if you are either a spontaneous or forgetful persona, you might find your One Direction tickets here and be grateful that it is never too late.

Buying and reselling tickets has never been this easy, if you are the busy or disorganized type and you think your recently bought tickets would go to the bin, think again. There are other fans wanting to have those precious tickets. Don’t let your money…or tickets go to waste, with some clicks of the mouse here and there, you can find someone willing to buy them. Setting up an account is as easy as 1,2,3 and you can actually set ticket prices with the help of a comparison list of sorts.

If your ticket on sale gets bought, you receive a confirmation email and you go on to send your ticket via a trusted courier or meet up with the buyer – very eBay-like way to transact since it is also owned by . And because it is an eBay owned marketplace, be assured that it is legit and no fake tickets get sold. Your unused tickets will have a purpose for someone else or someone else’ unused ticket will find a purpose for you.  Everybody wins.

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Most of the people take out payday loan because they’re not required to undergo credit check. So, people with poor credit card can also apply for this loan. As borrowers are not required to undergo credit check, so they continuously take out loan. Most of the people default on payment as the interest rate on this loan is exorbitant. These people pile insurmountable amount of debt and complicate their financial situation. If you’re unable to manage your multiple creditors, then payday loan consolidation is a better option. In case, you’re not aware of consolidation program, you need to acquire complete information before enrolling in this program.

Important ways to consolidate your payday loans:

Here are two ways to consolidate your payday loan that can help to eliminate your payday loan:

Payday loan consolidation program: You can enroll in a debt consolidation program to eliminate your payday loan debt. In this program, the consolidation company may negotiate with the creditors on your behalf to lower the interest rate on the principal balance. Your monthly payment may reduce once your interest rate is lowered. However, the company may charge fee for rendering service to its clients.

Consolidation loan: In this consolidation process, you can consolidate your own debts by taking out a consolidation loan. There are two types of consolidation loan: Secured and Unsecured consolidation loan. If your credit report is blemished, then you can take out a secured consolidation loan. The interest rate on this loan is low as you use collateral against the loan. However, you need to pay back the loan on time to avoid creditors repossessing your asset. But you can take out unsecured consolidation loan only if you have high credit score.

Other ways to consolidate your debts:

Here are some other ways to consolidate your debts on your own:

Balance transfer: You can apply for a new card with introductory offer with zero or low interest rate. You can apply for a card with the help of a cosigner with good credit score. When you transfer balance to a new card, you can manage to lower the monthly payment. Make sure you pay off the balance before the introductory offer expires.

Home Equity loan: You can apply for a home equity loan to consolidate your payday loans. The interest rate on this loan is comparatively lower than personal loan. Before applying for the loan, make sure you have enough equity in your property.

Advantages of payday loan consolidation:

Here are some of the advantages of consolidation program:

1. Reduced interest rate on the principal balance

2. Consolidate your multiple bills into single monthly payment.

3. Eliminate late fees.

4. Lower the number of collection calls.

5. Avoid filing bankruptcy.

Therefore, you can effortlessly eliminate your debts when you consolidate your debts. The effect of debt consolidation on your credit report is negligible as you pay off the debt in full. Once you pay off your debts, you can regain control over your financial situation.

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We all know how important our readers are, be assured. And to show you our appreciation, we, along with our generous sponsors have decided to initiate this humble giveaway!

Giveaways, we believe, are fun and helpful!  So here, get the chance to win $300++ with a click!