One of the best ways to lower credit card debt and limit cash advances would be to get a higher paying or a second job. With the unemployment rate as high as it is, a person will need to self-promote themselves during an interview to come out on top.
Too many consumers are maxing out their credit cards and using multiple credit cards rather than doing the extra leg work within their budget. Simple math will showcase debt problems: less income, more expenses and third party money to make up the difference. We as consumers have two choices, increase income or lower expenses. The Pew study has already proven that many consumers would rather take the debt option of cash advances or credit cards in order to balance out the equation.
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5 tips to score in a job interview
- Dress like a professional. Walk in ready to shake hands and introduce yourself with confidence. First impressions are huge.
- Be alert. Don’t forget your morning cup of coffee and act sluggish. Smile, be enthusiastic and engage with eye contact.
- Exude confidence. Research the company prior to the interview. Relate examples of how you can help the company reach their objectives.
- Self-promote. Include examples of how you self-monitor yourself on the job. Employers love employees who do not have to be policed in order to see accomplishments.
- Be interested. Ask questions about the company. Show that you have an interest in how the company works as well as what the job entails.
An employer wants to hire someone who is not only qualified, but has a good work ethic, is easy to get along with and will be a self-monitoring team player. The first three things can often be evaluated within the first minute of entering the interview.
Cash advances help, but they eat more of your income in fees and interest.
As discouraging as it is at times, finding new employment is an ongoing process. While you search for additional income, keep at the rest of the equation. When there is no other income, credit cards may be the only way to make ends meet. Without proof of some income, a cash advance will not be an option. These short-term loans are known to be easily accessible with no credit bureau check applications, but lenders do require proof of income.
If a second job is too demanding with the current schedule, find other ways to add a few dollars to your budget. Sell items over the Internet or in a garage sale. This won’t help in the long-term as most people will ruin out of unused items. Is there a hobby with a finished product which you might be able to sell as well? Could you shop at other garage sales and resell the items for a small mark-up cost? All the small stuff adds up.
Check with family or friends if it will keep you from cash advance lenders or maxing out credit cards. If you are struggling to pay debt, the last thing you want to do is add more to the pile. Here is a tip: before you approach family or friends, create a list of ways to cut back and start doing them. When you approach someone for help, your request will sound more meaningful if you can show how you are working to help yourself first.
