Archive for October, 2010

No need for a credit card if you can find a short term loan

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October 14th, 2010

After finishing university, I moved out of my parents’ house pretty quickly, as I was keen to maintain the independence I had gained there.  Sometimes, though, it was quite tricky to keep up my rent payments when I was still feeling the strain of student debt.  Last May I became quite anxious because I just did not know how I was going to pay my rent.  It was so difficult because I knew that as soon as my next payday came I would be okay.  I started looking for a short term loan.  All I had to findwas a cash advance that would see me through until I next got paid.  Luckily, I found a company called Cash Genie who were able to give me instant loan approval and transfer the money into my account really quickly.

I was able to borrow between £75 and £750 – I was quite happy that the amount wasn’t higher as I knew I would have been tempted to take out a bigger loan, which I might not have been able to pay off as easily.  The application was fairly easy, as the only conditions I needed to fulfil were being over 18, employed, and earning over £500 per month.  These small loans are for people who do not have access to mainstream credit.  I could have got myself a credit card, but I was concerned that as I was struggling with cash a bit, I could end up with a huge credit card bill that I wouldn’t be able to pay back.

The company highlighted that they are a short term solution.  Indeed, you can only borrow from them for a 30 day period.  The speed was certainly a good thing for me though, as the instant loan approval was just what I needed.  After the cash was transferred to my account, I paid my rent immediately so I knew how much money I had left, and then worked out an exact budget for what I would be able to spend until my next payday, when I would have to pay back my loan.

I definitely think that for me, a short term loan was a better option than getting a credit card, which would almost certainly have left me in bigger amounts of debt.  The straightforwardness of getting a cash advance to last me through until my next payday made things really easy, and I didn’t have to fill in lots of forms.  And getting instant loan approval really gave me peace of mind, and saved my relationship with my landlord.

Please visit http://www.cashgenieloans.co.uk/ for further information about this topic.

http://www.cashgenieloans.co.uk/

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Advice, Loans, Personal Finance

The internet as a helpful tool in seeking sales jobs jobs London

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October 10th, 2010

Finding work in the London area can be a real struggle.  It can be difficult to know where to start – whether to approach a recruitment agency or look at job advertisements.  The internet can be the jobseeker’s most useful tool, you need to know how to use it skilfully in order to make the most of its potential.  When seeking job vacancies, it is important to tailor the search to your exact requirements – typing, for example ‘security jobs jobs London’ or ‘sales jobs jobs london’ if you want to find these types of jobs in the general London area.  You may need to be very specific about the exact type of job you are looking for.  You might, for example, search for accounts clerk jobs in Bedfordshire, or sales ledger manager jobs in London.

Having found the types of jobs that you want to apply for, you will need to think carefully about your CV and covering letter.  The covering letter needs to be short and to the point, but carefully illustrate the ways in which you meet the demands of the role.  If you can give examples of how you have met the necessary requirements, this is the best way to get the recruiter’s attention.  The key words are concise and specific, as most HR staff reading your documents will only have a few minutes to devote to the task.  In terms of your CV, it is important to make sure it is in a clear and easy to follow format, and that the information starts from your most recent experience and reads backwards.

Sometimes, you will have an online application form instead, and this can be a bit more tricky.  These forms are often worth a few days’ work.  The questions might not be very tough, but often the hardest part is making sure you send off the application with no mistakes, as these can be easy to miss on a computer screen.  If you can get a friend to look over your application before you submit it, this could make the difference between getting through to the next stage and being rejected immediately.

Whether you are looking for sales ledger manager jobs in London, or accounts clerk jobs in Bedfordshire, the same advice applies.  A carefully written CV and covering letter, or a well thought out application form, are all you need.  As long as you make the most of the potential of the internet, which you can look  for security jobs jobs London or sales jobs jobs london, or whatever it is that you are seeking, you should have no difficulties finding the vacancies that suit you. When you have found the vacancies and sent off the application, you just need to make sure you have a well ironed suit and have thought about some answers to the interview that you will no doubt be invited to.

Please visit http://www.jobsfromblue.com/ for further information about this topic.

http://www.jobsfromblue.com/

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Jobs

I don’t want to do a graduate scheme – so how will I find a job that was right for me?

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October 5th, 2010

I spent most of my time at university socialising and working, devoting very little attention to graduate jobs.  It was only really in May of my final year that my thoughts turned seriously to what I was going to do after graduation.  I had studied History, which is one of the least vocational degrees, and I wasn’t quite sure what to do with it.  I could tell my family were a little concerned about what was to become of me.  My father had joined the graduate scheme of a big company as soon as he finished university, and I thought he rather felt that this would be a good choice for me.  I couldn’t seem to be able to muster any interest in the business world, and was really quite keen to get a job in the media sector.  All the advice I got about getting into media was to try to land internship jobs, and use those as a stepping stone.

If I was to do a succession of internship jobs, this was to mean one thing for sure – I wouldn’t be earning large amounts of money for a while.  But I thought that it was really important to spend some time looking for a job I would actually enjoy.  So I sent my CV off to a number of companies that looked interesting, asking whether I could come in and do some unpaid work for them.  My local newspaper got back to me and invited me in the following week, which was great.  I got on so well with the team there that I ended up getting really involved and staying for two months.  They really made me feel at home, and I wrote lots of articles for publication, including a front page spread.

I really liked the experience but the editor said he wouldn’t be able to give me a job there unless I took a journalism course, which I wasn’t too sure about.  I had just finished a Masters course and was keen to get involved with a job rather than do more studying.  So I wrote off to some more companies while I was there, and was fortunate enough to find a local newspaper which was recruiting a junior staff member, and was willing to pay me to train.  I was over the moon and have now been atthis paper for six months.

I don’t tend to look with jealousy at my friends who went down the graduate scheme route.  I know that with so many graduate jobs around, you have to think carefully before you settle for something, and for me, doing internship jobs was the best way to do this.

Please visit http://www.careerplayer.com/ for further information about this topic.

http://www.careerplayer.com/

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Employment, Jobs, University