getting a bank loan will it affect my future|free bank loan without deposit

what to do if you need money fast
What would I do with a £200 loan?
Getting a bank loan is a bad idea if you have any other way of raising funds. Extending your overdraft or borrowing from a family member or friend is probably a less expensive way of doing it - and if you’re needing to borrow money, then it stands to reason you don’t have a lot of it.


Getting a loan from a friend or family member is likely to be interest free, but there’s an increased guilt factor, and if you can’t pay it back when you agreed you would, it leads to all sorts of awkward conversations and unspoken reminders.

It’s a very bad idea to borrow large sums of money from your housemates, unless you know them well enough to ensure they’ll ask for it back when they need it.

If I had £200 for 30 days? Boringly, I’d put it in the highest interest account I could, then pay it back at the end of the 30 days, and spend the interest on something pink and sparkly!

Is "plus size" politically correct?
In my opinion, it is useful for there to be a category of clothing ranges that cater for the larger woman, and for this category to have a universal name so that these larger women can easily deduce whether a brand sells clothes that are targeted for them.

However, I do think that ‘plus size’ is a slightly derogatory term, as ‘plus’ implies ‘excess’ which may make women feel that if they wear plus size clothes, they have been distinctly catagorised as being larger than the average woman, and larger than is normal. I do believe that it is possible to be a size 16 woman and still be well proportioned and healthy.

I think it would be a better idea if clothes were sold with the angle of flattering different shaped bodies, rather than selling to the ‘normal’ women, and selling to the ‘plus size’ women. For example, jeans labels could say ‘For those of us with unforgiving thighs, these wide cut jeans are beautifully flattering.’ Other cuts of other items could focus on helping women reduce the appearance of ‘belly fat’, a large bum, wide ankles, broad shoulders etc. This approach is similar to the recent Dove campaign, and instead of alienating women who are not perfect, encourages them to joke about their imperfections and shows them how to look their best and be confident with who they are.

I do, however, also think it’s important not to get carried away and ignore the problem of obesity that is becoming prevalent in our society. However, I believe that in our current society it is not the problem of the clothes manufacturers to tackle this problem and that obese women should be allowed to enjoy women’s fashion just as much as their smaller counterparts.

If you’re in debt, get help!
If you are in debt and struggling, please get help. The stress and worry can seriously damage your health.

Ignoring debt does not make it go away, it just adds to the problem. The companies that you owe money to are more likely to negotiate terms with you if you are up front and admit to having problems before they have to start chasing you.

The best advice for anyone with debt problems is to go to your local citizen’s advice bureau. They have specially trained personnel who will help you to plan a viable budget and they will even help you to contact and negotiate with the companies involved.

Don’t hide your final demands and threatening letters, gather them up and make an appointment today. You will feel much better when you are back in control.