3 Worst Spending Habits and How To Fix Them


Despite having the best intentions with your money, sometimes it’s not always easy to know how to best spend it. Over time it’s easy to find yourself struggling to pay the bills if you aren’t careful. It’s in your best interest to eliminate financial stress from your life, if possible.

Curbing your bad spending habits can not only bring more peace to your life but will also pave the way for a more comfortable future, like being able to buy a home. If you’re ready to take control of your finances, then take a look at some of the worst spending habits you should get rid of first.


Impulse Buying


If you frequently find yourself seeing something you just can’t live without buying, then you may be guilty of impulse purchases. Impulse buying is an impractical way to spend your money based on emotion. Stores know that people are susceptible to impulse buying; that’s why they put enticing products next to the cash registers. People who are smart with their money know how to purchase with a good head on their shoulders rather than buying something just because it sounds good.


If you suffer from an impulse buying problem, the best way to fix it is to recognize your triggers. Before you buy something for yourself, ask yourself whether you really need it. Unless you’ve been anticipating buying it for some time, force yourself to reflect before buying it. Giving yourself time to think about your decision will often lead to you realizing that you never really needed it in the first place.


Failing To Budget


A lot of people would rather not bother with the budget; however, the truth is that taking some time to create a budget for yourself can have a huge effect on your spending habits. One of the reasons you may be living hand to mouth is because you don’t have a budget to live off of.

A budget allows you to see exactly what’s coming in and going out of your bank account. It forces you to take a look at how you’re spending your money and make changes where necessary. It doesn’t have to be something that takes a lot of time out of her life. Nowadays, there are plenty of apps and automated spreadsheets that can do your accounting for you.


Using Your Credit Cards Too Much


There’s something to be said for credit, and it’s undoubtedly a part of modern life whether you want it to be or not. In fact, not using credit is the same as having bad credit. However, it’s important that you don’t rely on your credit cards too much.


Not only do you have to pay your credit cards back, but you have to pay interest on top of whatever you spend. Over time, you could end up getting yourself into unmanageable goodnight debt.





3 Ways to Boost Your Credit Score Starting Today

Having poor or non-existent credit can be a distressing and crippling situation. Not only do you fear having to go before a loan officer, but having poor credit could end up costing you a position or getting access to basic amenities in some cases.

However, you should know that there are concrete things everybody can do to improve their credit situation. Some of these only require a minor effort on your part, and many of them won’t cost you a thing. Here are some ways that you could start fixing your credit starting today.

Get Your Credit Report

This is the very first thing that you should do. There’s nothing worse than getting rejected for a loan or card application because you had an error on your report or an account you’ve paid off that is still showing.

Make sure that you get your hands on your credit report. All UK citizens are entitled to a free copy of their report from one of the three major agencies: Experian, TransUnion, and Equifax.

You are then free to report any issues and have them corrected within 28 days. Each service will have an easy to follow the procedure to dispute false information. It is your right to have these issues straightened, so make sure that you order your copy today and see if everything is in order.

Take Some Good Debt

First of all, you have to know that debt isn’t inherently bad. In fact, there are plenty of ways that you can improve your credit using debt. It’s also the only way that you can start building a credit history.

One of the ways that you can do this is by getting a secured credit card. This is a card that is backed by collateral. This collateral is usually a sum of money that you will be asked to deposit. This will eventually be the credit limit on the credit card.

The other option is to get a short-term loan. There are plenty of short-term loan providers in the UK that will allow you to borrow anywhere from £100-£1500 and pay it back over a short period of time. You can get short term loans UK from providers like Bingo Loans for instance, who will pay more attention to your current income when deciding if you’re eligible. So, this could be an option to consider if you have a steady income.

However, in order for both methods to be successful, you have to behave responsibly. Just one late payment could be enough to ruin your efforts, so make sure that you can handle the debt and pay on time each month.

Become an Authorised User

Another way that you can start improving your credit is to become an authorised user on someone else’s account. A lot of people don’t know this, but being an authorised user will allow you to benefit from the main user’s activity, and it will show on your report. On the other hand, any bad information will also show, so that could be a double-edged sword.

Just using these few tips could be enough to start turning your credit report around and slowly start rebuilding it. Make sure, however, that you follow through with some responsible spending and budgeting if you want to keep your good name.

8 Vital Steps to File a Personal Injury Lawsuit

If you are harmed or injured due to the negligence of some other person, you must file for a personal injury lawsuit as it is your right to get the compensation you deserve. There is a common notion in society that it is immoral to sue for personal injuries.

There is no doubt that there have been some immoral people who exploited this provision and led to recent changes in the law, but we need to understand that such lawsuits have also stirred a sense of accountability. Therefore, we have listed here eight vital steps you must follow to file a personal injury lawsuit so that you can get the compensation you deserve.

1. Put everything in writing:

You must jot down everything about the incident right down to the minor details, and it should be done as soon as possible because you will not be able to recall all the details after a while. As a result, the opposing attorney will be able to find the loopholes in your story even if it is true, and you may end up on the losing side.

2. Gather evidence to back your claim:

Once you have tended to your medical needs, it is paramount that you start collecting evidence to support your compensation claim. It would help if you took the pictures of your injuries and the place of injury as soon as possible. Moreover, you can also engage the people who have observed the accident because they can be presented as witnesses to reinforce your claim.

3. Hire an attorney:

After collecting the necessary pieces of evidence, hire a competent lawyer like a Seattle l&i attorney because he will be able to help you in many ways. For example, a relevant attorney will be able to understand the nuances of personal injury cases in dealing with the insurance company or understanding the delaying tactics used by the opposing counsel.

Moreover, these attorneys work on no win-no fee basis, which means that they are not going to get paid if they do not win; therefore, they will be more motivated to get you the best deal.

4. Settling the claim:

The next logical step would be to notify all the defendants and send the demand letter to the insurance company of the opposing party that will mention the number of damages they are required to pay. They will then decide the fate of this claim by accepting, renegotiating, or utterly rejecting the offer.

5. Filing the lawsuit:

In case you are not happy with the counteroffer or your offer is utterly rejected by the opposing party, your lawyer must move to file the lawsuit in the appropriate court.

6. Discovery:

In this phase, both plaintiffs and defendants will look to gather evidence to support their respective positions, which will then be shared for further proceedings. In this pre-trial phase, both parties will be subjected to depositions that will involve stern cross-questioning, which will eventually decide the future of the trial. Many lawsuits are settled in this phase, and if parties are unable to come to a mutual arrangement, your case will go to trial.

7. Trial:

During the trial, both parties will present their evidence in front of a judge or jury. They will analyze the details, determine the fault, and decide whether the plaintiff should be awarded for any damages.


In a nutshell, you must always know these steps to file a personal injury claim because there is every chance that you can get injured due to someone else’s negligence.


Life Changing Slot Wins

The biggest casino wins in history have come from slots which makes them nothing to sneeze at. Becoming a millionaire with a low bet and the push of a button sounds like a pretty good deal. Here are a couple of life changing wins that have turned slot players into millionaires. You can also play some and learn at topslotgames.com.

Online Slots

The online platform has revolutionised the way people gamble. It has produced winners that have walked away with substantial wins. The world record for the largest online slot win so far is from the Mega Moolah jackpot. A British man won £13.2 million in 2015.

An anonymous Australian slot player also won a life-changing cash prize of 10.4 million Australian dollars playing the Dark Knight online slot.

PokerStars Casino has a couple of slots that feature progressive jackpots. The smallest of these are currently valued at over $1 million. Since January 2017, there have been 12 lucky players that have become millionaires by playing on these slots. They come to an accumulative $23.6 million. The most recent winner was an online player (Anchor72) that pocketed more than $3 million while trying their luck playing Millionaires Island.

Slot Machines

It isn’t surprising that slots have such a high level of popularity as the chance to hit it big such low risks are enough to tempt anyone. The biggest slot wins have come from the Megabucks machines, 700 of these slots are scattered throughout the state of Nevada. These state-operated machines form a network and are connected by a progressive jackpot. Progressive jackpots are jackpots that are added to whenever a bet is placed at one of the machines. The pot keeps growing until someone wins it. This has made for some life changing wins; the current jackpot stands at a minimum amount of $10 million. The most recent win at one of these machines has been winning a jackpot to the value of $11.8 million.

The first mega win was back in 1998 when a retired flight attendant won the jackpot that had reached over $20 million. This player certainly doesn’t regret over spending $300 in Palace Station since it earned a return of $27.5 million.

A war vet hit the jackpot not once, but twice while playing the Megabucks slot. The first jackpot he won was valued at $4.6 million only ten hours after the venue opened to the public. The 76-year-old continued to hit the slots with the hope of becoming the first player to win the jackpot twice. Then, 16 years later, he won $21 million from the very same jackpot.

The biggest slot win in history is a win at another Megabucks slot in Excalibur in 2003. This player won a whopping $39.7 million. This is the biggest jackpot to this day. It had to be paid out in instalments over 25 years.

The biggest wins that have come from slots are jackpot wins, especially progressive jackpots. Slots might not be considered VIP games, but they are the most popular and profitable casino games both online and offline.


A College Student’s Guide: Easy Ways to Save Money Living in NYC

Living in New York City is expensive, especially when you’re going to school full time. You don’t have a lot of money to spare and what you do have is going to your education and living expenses. If you’re hoping to save a little extra money this year, here are a few simple ways.

Get A Roommate

One of the best ways to save money in NYC is to get a roommate. When you compare renting a one-bedroom apartment by yourself to renting a two-bedroom apartment with a roommate, you could save over $1,000 a month. Saving more than $12,000 a year could be huge for you, especially when you’re in school and not able to work full time. While you might not love the idea of sharing spaces with another person, the benefits do seem to outweigh the inconvenience.

Remember to decide on rules for shared living spaces, such as when they can be used and what food you’ll share (if any). Having a good relationship with your roommate means you’re able to discuss issues when they arise. It doesn’t mean you have to be best friends. See if your school has a way to match up potential roommates if you’re worried about finding someone trustworthy. The benefits of your savings account will be well worth it.

Sell Your Car

Less than half of New Yorkers own a car, and only 27% of workers use a car to commute. With its public transit system, New York City has plenty to offer for those who don’t own a car, and not owning a car can save you a lot of money. Depending on the car and how much you drive it, owning one could cost you thousands of dollars a year between the car payment, gas, and insurance. MTA’s unlimited ride cards will cost you much less than that a year. You certainly don’t need to own a car in the city, so save yourself the money and the hassle by selling it.

Focus On School

This might seem like a strange way to save money, but staying focused on school will actually help you in the long run. When you’re not focused, you spend time doing other things that cost money, like going out with friends. Keeping your nose in the books will actually prevent you from spending more money than you should. You’re also setting yourself up for success when you stay focused on your work. Keep yourself organized with custom pocket folders (which you can also easily use for a side hustle) and keep your mind on your schoolwork. Getting good grades and learning will help you land the perfect job out of school, which will help you stay happier and financially stable.

Get A Scholarship

Scholarships are meant to help students defray the costs of getting an education. Take advantage of the scholarships that are available and save yourself some money. If you’re majoring or minoring in the arts, head to https://www.todaytix.com/insider/nyc/posts/education-student-scholarship to see how you could win $1,000 for your education. When you’re in school, you want to be able to focus on your learning. If you don’t have the funds to pay for your education, you’ll have to get a job, if not several jobs. Scholarships allow you to attend school without stressing about money or adding to your student loans. Talk with your school about the TodayTix scholarship and any others that might be available.

Saving money while living in NYC is easier than you might think. If you follow these simple steps, you’ll have a little extra cash for school and fun.

4 Ways to Save Money When Renting Off-Campus Housing

If you are heading off to college or university, you have a lot of key decisions to make. First you will have to decide which schools are the best for you. From there, you’ll have college admissions tests to take and seemingly endless application forms. All the effort will have been worth it, though, when you hear that you are accepted at one of the schools.

Once you know which college you will be attending in the fall, you will find that there are still more decisions to make. One of your biggest choices involves selecting the right university housing option for you. Some students will decide on a dorm and meal package but increasingly those attending college are finding that off-campus housing offers better options for both housing and meals.

Instead of just living in a small, dark dorm room with no amenities and having bathrooms that are shared by lots of people on the same floor, it pays to consider off-campus housing options. Typically, off campus apartments offer each student adult living with private bedrooms, private baths and a comfortable living room. This option can even save you money over the more expensive dorm room and board.

Living with Roommates

You can save a lot of money on college housing by renting a multi-bedroom apartment and sharing it with roommates to reduce the overall cost. While dorm rooms can be very cramped and often have shared bedrooms, off campus apartments are set up to give each roommate their own bedroom and private bath plus a shared living room. This gives each person in the apartment plenty of private space and still lets everyone hang out together when they want.

Cook Your Own Meals

Unlike dorms, where you purchase an expensive meal plan, off campus apartments come with a kitchen where you can prepare your own meals. By shopping weekly grocery sales and eating food you’ve cooked yourself, you can save a substantial amount of money. It also helps if you and your roommates pool money for basic kitchen essentials such as oils, spices, rice, soy sauce and other items.

Live Close to Campus

If you choose an off campus apartment complex that is close to your college or university, you won’t need a car to get to your classes. Cars can be a huge expense for a college student, so not needing one will save lots of cash. With an apartment close to the school you will be able to walk to class and school events.

Live Close to Grocery Stores and Other Shops

It’s also wise to find an apartment that is located within walking distance of grocery stores, coffee shops and the like. This way it will be easy to do your weekly shopping or to stop off at a local coffee shop for that morning jolt of caffeine or to write your paper. By being able to walk to these locations you will save money on monthly car payments, expenses and gas.

If you want to save money on your college expenses, consider renting an off-campus apartment instead of living in a dorm. You will find that your dollar will stretch much further when you choose to live off-campus during your college years.

Six Tips to Help You with Private Money Lenders in Los Angeles

If the term “hard money lending” evokes images of shark-like loan sharks that trade cash out of alleys with high-interest rates, it is probably time to rethink. In fact, hard money loans are financed by reputable investors who specialize in helping clients with cash problems with their short-term loan needs.

It is much easier to obtain hard money loans than conventional loans. If your bank says “no,” hard money lender might say “yes.”

So, If you are in California and you are looking for an investment loan with a simple and fast approval process and lower rating benchmarks. A hard money loan may be right for your needs.

However, because your credit score is a less important factor in determining your eligibility, many hard money loans tend to have higher interest rates.

There are affordable private money lenders in California, though; You just have to know where to look. It all comes down to choosing a transparent and reliable hard money lender to work for. Here are some tips to help you.

1. Choose a Hard Money Lender That Has Experience with Similar Cases like Yours

There are some legal requirements issued by private money lenders in Los Angeles, as for any other types of loans. An expert is needed to structure the loan and meet the regulations.

As a result, you should look for a specialized hard-money lender that has adequate experience with clients that are just like you. Also, you should start thinking about how you intend to use the loan.

Private money loans can be used for a variety of purposes, such as:

  • Obtaining financing with a low credit score
  • Short term financing
  • Fix & Flip Loans For Businesses
  • Scroll from the traditional income requirements for prime loans

It is possible that a hard money lender who works primarily with low credit score clients may not have the necessary experience to help a commercial customer who is looking for fix and flips.

On the other hand, a hard-money lender focusing on flipping may not be the ideal option for a borrower trying to avoid the reality of low credit rating.

Once you discover your needs, you can choose a lender that can meet those needs effectively.

2. Look up the Lender’s License Information

Always verify official licenses before working with a lender. This is important, regardless of the type of loan you are applying for, but it’s vital for hard money loans.


3. Make Sure the Lender Operates Transparently

Be wary of promises that a lender cannot keep. You want to look for a competitive interest rate and friendly terms, but you need to think realistically. Become familiar with the typical rates offered to borrowers with your credit score and bought accordingly.

I hear and offer by the lender that sounds too good to be true then it probably is.

Before signing a loan, make sure you have an intimate understanding of the terms and have read all the fine print. You should be able to calculate exactly what you owe throughout the life of the loan (assuming a fixed interest rate).

If a hard money lender avoids questions about interest rates, terms, licenses, or anything else, you should probably look for another company to do business with.

4. Choose a Lender That Can Provide What You Need in Terms of Interest Rates, Approval Deadlines, Etc.

Next, you should think about what you would normally do when looking for a loan: the interest rate you will pay, the duration of the loan, the terms that govern it, etc.

If you are selecting a hard money loan specifically to facilitate a quick and easy application process, ask the lender how long it usually takes to complete the approval.


5. Be Wary of the Disadvantages

Because they are riskier than conventional loans, hard money loans are generally issued at much higher interest rates.

Typical rates start at around 7 percent and increase from there with an average of 12 percent rates. You must also pay between 1 and 10 percent of the lender’s fees, known as points.

There is a good possibility that the loan will be structured as a very short-term loan of, say, six months to three years, with a monthly payment of only interest and a sizeable global fee when the loan expires.

As with any secured loan, the lender can execute the mortgage on the underlying property if you do not make the payments.

6. Be Sure to Look for Reviews

As the last step, when selecting a hard money lender, you should always check customer reviews online.

Use common sense when evaluating reviews so as not to confuse actual and quality reviews that competitors may have left or bought to inflate ratings.

You may want to request references and follow-up as well.

In Conclusion

Finding the right private money lender in California can be challenging these days. All over the state, numerous new money lending agencies are popping out and gets hard to find the right one when they all promise the best possible conditions.

Make sure that you remember these six tips and for any further details, it’s always advisable to consult a professional finance man to help you with all nitty-gritty details.

Low-Income Issues: How to Save Money When You Earn Little?

Being your own boss, living the life to the fullest, being able to afford more than you could ever imagine, not getting worried about the money you spend – that’s the life most of us are striving for. However, the truth is that it takes time, patience, and effort to get to that point.

Every successful person starts somewhere. Most often, they have nothing at the beginning and grow to have everything.

How to do this? In this article, we are going to share some excellent tips on how you can save money on a budget.

There may be plenty of reasons why you earn a little. Most often, this is a temporary issue. Yet, at this time, it is important to become a pro in budgeting in order not to overspend.

Becoming more thoughtful about what you earn and how much you spend can be a tough task. However, even being on a budget, it is possible to buy the stuff you need or want. You just have to follow these simple money-saving tips:

Keep Track of the Money Flow

The first step to smart budgeting is always to start recording what you earn and what you spend.

First of all, try to record every penny you make. This includes not only your monthly salary but also any bonuses, cash from the lottery you won, money that you’ve been given on a birthday, loans, etc. You have to keep track of everything to get an idea of what your financial limitations are.

Next, you should also note down all expenses, including every coffee, tips you give to a waiter, unexpected spending, and everything else.

Getting used to keeping track of everything can be hard. However, there are plenty of helpful tracking apps that will help you make it a habit!

Cut Down Your Expenses

This is probably the worst part of living on a budget, but you have to cut your spending to start saving more.

The main tip here is not to rush into it and deprive yourself of everything. Instead, evaluate the things you spend money on and think about what you need and what you really don’t. Here are a few ideas of the expenses you can cut down on:

  • Food – you may love that takeaway pizza from a local restaurant or enjoy going out to eat. But is it really something you could not survive without. Start cooking more often, and this will significantly reduce your monthly spending;
  • Entertainment – no, you don’t have to deprive yourself of attending various entertaining events. What you can do is to look for ways to do it cheaper! There is always a movie theater with lower prices or a less fancy cafe. Also, there are plenty of opportunities for finding free or cheap events that won’t hit so hard on your budget;
  • Services – another huge opportunity for money saving are all sorts of services you’ve been using. For example, you could attend a hairdressing salon less often or take a walk to work instead of using transport. If you are a student constantly googling such a line as website to write my essay – well, maybe some expenses cannot be avoided!

There are plenty of other things that you can cut down on. However, be extremely mindful of what expenses you exclude.

Start Planning Ahead

Our next tip is to get on a schedule. Planning is a habit of highly productive and successful people. It can help you in many ways and save some money as well!

Use a calendar to note down all dates and events that require spending money. It should include the following:

  • Payment days;
  • Dates of automated payments such as utility bills, rent, and other expenses;
  • Important events and holidays (including birthdays of family members and friends), etc.

These are just a few examples of events for which you will have to save some cash. There can be many additional items of expenditure, so be sure to note them down. Doing so, you will never get caught by a surprise when your rent payment is due tomorrow, and you have no money left to pay for it.

Start Making More

If cutting down on expenses doesn’t sound too tempting to you, remember that there is always a way to increase your income!

Look for alternative or additional sources of income. This can be pretty much anything from selling some of the things you don’t need to getting a freelance side job.

The Bottom Line: Save Today to Have a Better Life Tomorrow

Probably each of us has been involved in the cycle of living from one paycheck to another, at least at a certain point. The good news is that it’s possible to get out of this vicious circle.

The modern world is full of great opportunities for everyone. So, all you need is to recognize and catch them. Work hard for the sake of your future success!

The bad news is that until you leave this cycle, you really have to ensure you are living within your means. Restricting your expenses at this point, though it can be a challenge, is the only way to stay afloat.

However, don’t get despaired too early! Living on a budget can still be comfortable. The idea is not to deprive yourself of all the fine things in life. It is more about setting the right priorities!

With a bit of patience and wise budgeting, even with a low income, you can afford lots of things! Use the tips given above to become more mindful of your spending and income, and you will have a chance to live your life to the fullest, even on a budget. Keep up the good work to destroy your boundaries. You got this!


Different Ways to Earn Passive Income

Earning money without taking much effort is something that we would all want. Imagine a life wherein you are just laying by the beach the whole day, or in the luxuries of your home with your family, yet you are making money. It sounds like a dream, isn’t it?

Having a stable income stream without you being directly involved is possible, and there are numerous ways on how to achieve this. If you are interested in earning money passively so you can have financial independence and the freedom to do the things you want, then you should read on as this article will discuss the different ways on how you can earn passive income.

Real Estate

Real estate investing is one of the most common ways to earn money through passive income. It is divided mainly into two categories, which include commercial real estate and residential real estate. With the proper guidance of trustworthy commercial realty advisors, there are numerous ways on how you can earn passive income through real estate, which include the following:

  • Office Rentals

Owning a property in a business district is definitely beneficial because this would mean that you could rent out your property to businesses that need office space. When these businesses flourish and rent your property longer, then you will earn consistent passive income for quite some time. If you are planning to buy properties for office rentals, then you should definitely consult reliable commercial realty advisors so that you can make savvy financial and investment decisions.

  • Residential Rentals

One thing is for sure, as long as there are people in a particular location, rental properties will not go out of business. The main reason for this is because people need living places for shelter. Once you own a rental property and you have a long-term tenant, then passive income will follow.

  • Commercial Property Rentals

Owning a commercial real estate is definitely essential if you want to earn a stable passive income through real estate, this is because it encompasses different types of businesses such as industrial, retail, tourism, and many more. Not only does it provide passive income through rentals, but the appreciation of its value increases over time depending on the location of the property.


Investing in the stock market is probably the most accessible form of passive income in the financial world and also quite simple. When you buy a number of shares of stock of a certain corporation, you will own a small percentage of that company. When the stock price of the company increases in value, the value of your investment increases as well, and you make money through capital gains.

Another way to earn passive income from stocks is through dividends. When a particular company makes profits, directors of that company may decide to use a portion of those profits to give back to their investors; the money you receive will depend on the number of shares of stock that you own.


Everything you need to know about PlayStation Network Gift Cards

PlayStation Network gift card is one of the most convenient and attractive purchases on the PlayStation store. It should come as no wonder that precisely these cards constantly make their way in the top positions of most popular purchases, whether it’s on the official store or various other websites all throughout the net. Today’s article aims to provide all the necessary information that you would need before making the final purchase.

We’ll cover everything from their use, accessibility, and availability, to their kinds, prices, and a hefty ton of other need-to-know features. The prepaid PlayStation Network gift card can be used for multiple occasions, it has no expiry date, and the funds inside are safely locked until you yourself decide otherwise. So, once you have the prepaid card in your possession, launch your PSN account, click on the Store, scroll to the very bottom of it, and search for Redeem Codes button. Enter the prepaid card’s code, voucher code, or card number (depending on your purchase type) and enjoy the newly gained possibilities.

Use as a thoughtful gift

There’s no denying it, one of the most popular PlayStation Network gift cards uses is the boost for one’s own account’s funds. However, the PSN card also works wonders as a thoughtful and well-meaning present. If there’s someone close to you, who just so happens to own a PlayStation console with an active PSN account, it might be a good idea to reconsider your gift-list for the upcoming occasion. There’s probably not a single gamer in the world that wouldn’t express joy from receiving a loaded gift card as a present – it’s simply a fact.

Use to access multiple PSN™ services

PlayStation Network is a vast platform, with multiple convenient services you should definitely be aware of. While PlayStation console is dedicated to gamers, it offers a loadout of other uses too. And PlayStation Network gift card can serve as the key to unlocking the doorway separating you, and the realm of possibility. Gain access to thousands of games, movies, add-ons, various streaming platforms, and such trademark services as PlayStation VR, PlayStation Plus, PlayStation Now and plenty more – all with the help of funds on the prepaid card.

Cards by country, currency, and price

PlayStation Network is a global platform; however, it has certain restrictions which shouldn’t be taken lightly. PlayStation Network gift cards are categorized by country, currency, and price. You should consider each of these factors if you choose to purchase a gift card on one out of many digital key distribution marketplaces. For example: if your PSN account was created on the US server you should only buy gift cards for the United States, as any other region-specific key will not work. In some cases, your region might not have a designated gift card. To solve this nuance, prior to purchase, you should check on whether your PSN account is in a region that supports one of the available gift card options.

Use a gift card – save twice

Buying a PlayStation Network gift card, more often than not, is a bargain on its own. While gift card prices on the PSN Store are in most cases already predetermined, they are constantly shifting elsewhere. Thus, by carefully following the gaming market‘s tendencies, you can save a pretty penny even before making a game purchase on the PSN Store. A 50 USD gift card can drop to as little as 45 USD or in some cases even lower, and if you are able to catch such a price drop, you can greatly capitalize on it. Some would say it‘s quite a bang for your buck, others would simply call it the right kind of knowledge. It‘s also worth noting that various price comparison websites can do wonders if you‘re hunting for these worthy deals.

PlayStation Network gift card variety

Choosing a gift card based on your wallet‘s funds is not only possible, but it‘s very convenient too. PSN gift cards range from 5 to 100 USD, with 10, 15, 20, 25, 30, 50, and 75 USD values in-between, so you can easily pick the purchase that would best suit your needs and goals. It‘s also worth noting the ongoing tendency on various marketplaces; the pricier gift cards often tend to cost even less than their lower-priced counterparts. So, if you have the budget for it, with most of your PlayStation Network gift card purchases, you‘ll get more for less if you choose to buy the bigger package.

Use an alternative way to redeem your code

Redeeming the sum locked within your purchase isn‘t tricky, however, there‘s more than one way to do it! An alternative way to receiving your card‘s funds can be found once you visit your in-store Cart. Select a couple of neat items from the PSN Store, add them to your Cart, and click on the selection that offers you to ‘Proceed to Checkout‘. Once you click on this button, a payment selection menu should pop up, along with other options, you should notice a ‘Redeem Codes and Gift Cards‘ feature. Click on it and enter the prepaid card’s code, voucher code, or card number (depending on your purchase type). Voilà!