by 
Money is a tricky business. Everything around is is governed by it, yet we struggle to control it and are often frivolous with it, despite this dependence. But when our money management starts to get away from us, we need to realise that it is time to get things under control and take a different approach, or be ready to face the consequences.
It really doesn’t grow on trees
No matter how hard you look, you are not going to find easy money. You will definitely find plenty of claims of easy money, especially online, and probably a few good ways of losing what little money you do have, but there is no quick fix for money troubles. So you need to respect yourself and your future enough to stop and say that enough is enough and there needs to be changes. Any responsible lender, much like Multi-Choice, will understand how easy it can be to get yourself into difficulties and be ready to help you help yourself out.
More than one way
Don’t let yourself fall for ‘guaranteed’ loans, as they are only guaranteed because they can then trap you with insane interest that will cripple any chances of repayment that you have. It may prove more difficult to get approved for a loan from a mainstream lender, but if you can show good financial planning and explain the purpose of the loan is to sort out your money situation, most will be prepared to at least listen. There are loads of great resources online, but if you need a starting point here are multiple loan calculators that will help you start to look at your borrowing potential. This could be against property, counter sign may be required or some other type of loan. Whatever your options are, knowing in advance how you would utilise it will show that you are taking this seriously and that will help your case.
Don’t be scared of honesty
There really is very little point in trying to deceive a lender as to your situation as they will be checking into you before granting a loan application. But there are some pieces of information that it is normally best to offer up front to establish your case and the determination you have to resolve your problems. This is not going to guarantee the result you are after, but it gives you a fighting chance. Remember, just because one lender says no, does not mean that they all will. Work through your options and in most cases a solution will present itself. When one does though, make sure that you stick to your plan as if you mess up this opportunity then the next application you file could be bankruptcy.
There are so many easy mistakes to make when trying to manage money, especially when you are young and have only really just gained financial independence. There is no shame in realising that you have fallen into bad habits and wanting to change, only in thinking that it will never catch up with you. Take control now, whilst things can still get better.
