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You can use an unsecured loan for a variety of reasons, such as: • Buying a car • Renovating your house • Consolidating your debts • Vacations • Wedding A personal loan can be challenging to apply for because you will have to meet the following criteria: • Your credit score should be good. In case of a bad credit rating, interest rates will be higher. • You should have a stable income source. • Your budget should have the scope to pay off the debt. What should you know before applying for a personal loan? Here are the things you should know before using unsecured loans: • Interest rates you will be charged A lender usually charges fixed interest rates. They are more affordable than variable interest rates as the size of monthly instalment does not change. You should carefully research interest rates to choose the best ever deal. Interest rates will vary by lenders regardless of your credit score. High-interest rates will be charged when your credit report is not up to

We all have big dreams - that dream home, college fund, epic vacation. But dreams need dollars to become reality. The key? Smart money management. With careful budgeting and planning, you can achieve major goals.   It starts by getting clear on your goals and associated costs. This way, you can create a realistic savings plan. Living below your means and automatically funneling funds into dedicated accounts can help you make steady progress. Identifying Your Major Goals What are your biggest dreams and aspirations in life? Maybe you're picturing yourself as a homeowner, the founder of a thriving business, or an intrepid world traveller. Defining these major goals is key.   How to Identify Your Biggest Priorities? Take time to reflect on what truly matters most to you. Visualise your ideal future and jot down any recurring themes. Do you crave financial freedom? A sense of adventure? The pride of entrepreneurship?   Narrow it Down From your broad list, pinpoint t