Today, consumers are finding it easier to get products they want even if they don’t have enough money at the time of purchase. Buy now pay later credit has made it possible. Truth be told, the money will not always be there when you need it. Could be your payday is two weeks from now and you want to buy a pair of shoes for an upcoming event. What do you do? Without a doubt, it is a big challenge to many people, but the buy now pays later credit option allows you to get what you need and make repayments later. Here are the benefits of buy now pay later credit you should know:

Interest-Free Credit

The thought of buying something without having to pay interest is a great advantage to consumers. As you probably know, it’s something that most lenders don’t offer. Thus, one of the benefits of buy now pays later credit is that you get interest-free credit for the product you want to buy. This means that you won’t have to pay more than the actual price of a product when making repayments. As long as you pay within the period of agreement between you and the retailer, you will not have to pay any additional money. Many customers take advantage of this offer to get goods they need but they can’t afford them at the time of purchase.

Helps You Meet an Urgent Need

There are times when you will need to buy a particular product so urgently but the biggest hurdle between you and having it is a lack of enough cash. The good news is that you have a way of redeeming yourself from such a situation by opting for a buy now pay later credit. The processing of this agreement is fast, thus allowing you to meet your urgent need with ease. Retailers are willing to give their customers this offer as it allows them to build customer loyalty. Therefore, in case you find yourself in a tricky financial state, the buy now pays later credit option will come in handy.

You Have Time to Repay

Generally, once you purchase your goods through the buy now pay later credit system, you will have an arrangement with your retailer on how you will repay the amount. This should not be a big problem if you have a plan of how you can make monthly payments. The advantage here is that instead of paying for what you are buying upfront, you will have the opportunity to pay later at your own convenience. You will not be under pressure to pay the whole amount at once, which gives you time to plan yourself.

Partnering with NowLoan

At NowLoan, you can apply for a loan to help you make a payment, just in case you get stuck along the way. If you fail to make your payments within the stipulated period of time, you will attract an interest fee. Hence, you can avoid this by applying for a doorstep loan to give you the financial relief you need. The online application is easy and connects you with potential lenders fast. Therefore, in case you need help getting doorstep loans to facilitate your repayments, you can always consider partnering with NowLoan, your safe and convenient financial partner.

Do you feel like your personal style is looking a bit dated or tired, and is need of an update? Or perhaps you want to embrace this new year (and new decade!) with a whole new look. You may simply want to experiment a little and try something different.

There are many reasons you may want a bit of a make over. This doesn’t need to involve  bit investment, a lot of work, or even any dramatic changes. A make over can be something small that focuses on just one aspect of your look, such as your hair, accessories or make up, and is something you can do yourself.

Here are some tips and ideas for doing your own mini-Style Make Over.

Prepare for Your Make Over

The first step for any make over is to come up with a plan. Start by deciding what needs to change and why. What are the aspects of your look you don’t like? What about them don’t you like? Think about people whose style you admire, either people that you know or celebrities. What about their style do you like? Pinterest is also a great place to search for ideas and inspiration. From there you can work out how to apply these ideas to your own style.

You can also ask your friends what they think about your style. Tell them you want their honest opinion about what is lacking and what needs to change, and be prepared to listen without taking it personally. Finally, don’t forget to take a before picture of yourself before your mini-make over so you can assess the results!

Start with Accessories

If overhauling your entire wardrobe feels intimidating, focus on just your accessories instead. Jewellery, hats, shoes and bags can make or break an outfit and an interesting accessory or two can breathe new life into your entire wardrobe.

Hit the high street or search online for pieces that you love. The more unique and distinctive the better, as this will allow you to start creating your own unique sense of style. Stores like the DC Jeweller have unique and custom designs that will bring a fresh new aspect to your look.

Update Your Make Up

Updating just your make up can make a huge difference to your overall look. You could start by choosing a new colour of eye shadow, or more dramatic nails. Read up in the beauty magazines and blogs, and try out one of the latest trends. Be sure to keep to colours that suit your skin tone, but otherwise be brave and experiment!

Another great idea is to head to the makeup counter at your local department store. Here you can usually have your make up done for free, although it is expected that you’ll buy a product or two. The professional doing your make up will know the best products and make up styles for your face and will likely have some great ideas.

Try a New Hairstyle

Changing your hair style can be a big decision, but it also delivers big results. A new hair cut can completely change how you look, and also how you feel. People can often be hesitant to make a big change to their hair, because this can often be difficult to reverse and take months to grow out. However the right change and make you look and feel amazing!

Collect pictures of hairstyles you like – whether in magazines, on Pinterest, or just photos you see online. Take the photos to your hairdresser and ask for their opinion. Professional hair dressers will have a good idea of what will work with your face shape, and what won’t. 

If you’re not ready to take the big leap and cut all your hair (yet) a new colour can also be a great option. Try something subtle like highlights or going a shade darker, or make a more dramatic change by going for a much lighter or darker shade, a shocking red or even an unconventional shade like blue or purple. The great thing about dyeing your hair is you can always dye it back! 

Shake Up Your Wardrobe

You can make some small but impactful changes to your wardrobe without having to go to all the work and expense of throwing everything out and starting over. A great way to mix things up is to get your mates together and have a clothing swap. Everyone brings in items they never wear, and you can swap them with each other – something which doesn’t work for your friend may look great on you!

You can even mix things up without any new pieces by simply combining the pieces you already have in different ways and wearing items in a way you wouldn’t normally. If you have one or two items, your favourite pair of jeans for example, that you wear all the time, try to shake things up by wear other items instead. Forbid yourself from wearing your favourite one or two pieces for a week and see what new ideas you come up with!

Everyone aims to look fashionable on every occasion, which means you need formal attire, dinner dresses, and informal clothes. With all the clothes you require annually, it can bust your budget. Luckily, saving money on clothes does not require rocket science. The main trick is to stay fashionable without putting a dent in your finances. Many people go for low-cost clothing, thinking they are spending less, but in reality, they end up spending more money. For instance, purchasing one shirt worth $100 is different from purchasing ten pieces of $10 each. The $100 shirt will give you more value for your money since it will still look new after washing.

Here are six tips to help you dress well without messing up your budget:

1. Take Advantage of Sales

Many high-end boutiques and designer stores have clearance sales scheduled annually. It is the ideal time to get designer pieces at a pocket-friendly price. Most of the items on the clearance sales list are priced to sell, but they are of high-quality. Therefore, you do not have to sacrifice your fashion goals. To get amazing discounts, you should make sales associates your allies. You can also sign-up for the mailing list of your favourite designer store if you want to receive notifications of upcoming sales.

2. Visit an Op Shop

Op shops and thrift stores are a goldmine for vintage pieces at a fraction of the original cost. You will find designer clothes made from high-quality fabrics. However, you need to be patient and spend a lot of time sifting through the pieces to find the hidden gems. If you have mastered the art of thrift store shopping, you will find remarkable pieces.

3. Add Accessories to Change Your Look

Instead of buying new clothes for every occasion, you can save money by buying accessories to create dozens of looks. For instance, instead of buying a new dress shirt, get a couple of ties that will make your outfit unique. However, for accessories to work, you need versatile clothes. Ensure you shop for clothes that you can combine with anything and still pull off a fashionable look. Once you have the right dresses, pants, and shirts, you can get the most out of your outfits by purchasing a new scarf, hat, belt, and ties. You can also complete your outfit with a new pair of shoes to create a unique look.

4. Rent Dresses

When attending an event like a wedding or formal dinner, you need to make a fashion statement with your outfit. However, that is a bad idea if it is at the expense of your budget. Besides, you will likely wear the dress or tuxedo once before putting it in your closet to gather dust. If you rent your outfit for the event on sites such as The Volte, you will save some cash. Many of these stores offer a designer dress or tuxedo for your occasion at a pocket-friendly price.

5. Recycle Your Favourite Pieces

You do not have to shop for clothes every month when you have fantastic pieces in your closet. You can create multiple combinations by mixing and matching your favourite pieces. For instance, you can wear a blazer with your favourite dress to give it a unique look. You can also combine different colours and prints with your skirts and jeans to get a new look.

6. Swap Clothes With Friends

Trading clothing and accessories with your friends can save you money, and you can land some exceptional items. Occasionally, have a party or a get together where your family and friends can bring clothes that they no longer use after some light uses. If your friends have a unique taste, you will find fantastic clothes and accessories to revamp your look.

You do not have to spiral into debt to look good. A little creativity and smart shopping can save your bank account without destroying your fashion image. As a thumb rule, always go for a few quality pieces instead of piling your wardrobe with low-quality clothes.