If you are in need of obtaining additional money quickly, then your main choices are using a credit card or obtaining a personal loan from a bank, building society or from a specialist loan company.
For short term borrowing credit cards can be useful, but for longer term borrowing a loan may seem to be the best option. Whenever you take out a loan or credit agreement, your prospective lender will assess your personal circumstances and decide whether to offer to lend you the funds you require subject to its repayment with added interest being paid.
Depending on the result of a financial health check (completed by the lender), you may be offered, on average, up to $15,000 to be paid back over a period of between 6 months to 10 years. The actual amount that you can borrow and the interest rate charged will depend on factors such as your past credit record, amount requested, duration of loan, purpose of the loan, whether the amount borrowed is secured or unsecured, and acceptance of various terms and conditions applied by the lender.
Why do this?
- Because it gives new readers context. What are you about? Why should they read your blog?
- Because it will help you focus your own ideas about your blog and what you’d like to do with it.
The post can be short or long, a personal intro to your life or a bloggy mission statement, a manifesto for the future or a simple outline of your the types of things you hope to publish.
To help you get started, here are a few questions:
- Why are you blogging publicly, rather than keeping a personal journal?
- What topics do you think you’ll write about?
- Who would you love to connect with via your blog?
- If you blog successfully throughout the next year, what would you hope to have accomplished?
You’re not locked into any of this; one of the wonderful things about blogs is how they constantly evolve as we learn, grow, and interact with one another — but it’s good to know where and why you started, and articulating your goals may just give you a few other post ideas.
Can’t think how to get started? Just write the first thing that pops into your head. Anne Lamott, author of a book on writing we love, says that you need to give yourself permission to write a “crappy first draft”. Anne makes a great point — just start writing, and worry about editing it later.
When you’re ready to publish, give your post three to five tags that describe your blog’s focus — writing, photography, fiction, parenting, food, cars, movies, sports, whatever. These tags will help others who care about your topics find you in the Reader. Make sure one of the tags is “zerotohero,” so other new bloggers can find you, too.
