Personal loans aren't cheap, but they canbeeasy and fast to get compared with other types of financing.Andthe loan, typically $5,000 to $35,000, can be used for analmostunlimited list of needs, wants, goals and dreams.The most popular use of a personal loan is to combine otherdebts,such as car loans, credit cards and payday loans, into just 1loanwith a fixed rate, fixed monthly payment and closed-endterm.Before you take out a loan, it’s important to determine howmuchmoney you’re going to put down. A hint: Zero is NOT thebestanswer, unless you’ve got cash stashed away to pay off theloanthat’s earning more money than what you’ll be paying ininterest onyour new loan. Businesses all over the place work toenticeconsumers with the “No Money Down!” message, as if it’s agreatthing to finance 100% of what you’re buying. However, this canleadto a big mountain of debt and large payments real quick. Whenwework to teach our kids about money, we try and instill in themthatit’s best to simply pay cash when possible, or to have themoneyfor the loan earning a high interest rate elsewhere, but wealsoencourage them when they don’t have the money to pay the loaninfull, that it’s important to put at least 20% cash downforwhatever item they’re borrowing for.The Debt-to-Income RatioThe debt-to-income ratio is a number that many people arestilllargely unaware of in their lives. A person’s debt-to-incomeratiois calculate by dividing all of your minimum monthly loanpaymentsinto your monthly income. So, if I had loans totaling$1,000 amonth, and my income was $3,000 a month, my debt-to-incomeratiowould be 33%. Mortgage and other loan companies, whendeterminingyour DTI ratio, will use your gross monthly income, butmanypersonal finance experts suggest using your net monthly incomefora more accurate picture of your DTI ratio. Whether you useyourgross or net monthly income to determine your DTI ratio, Ithinkit’s safe to say that a 30-35% DTI ratio is about as a high aratioas a person would want to safely go when they work to take outaloan. If your new DTI ratio after the loan you’reconsideringtaking out is above 35%, you might want to reconsiderthe loan, orput a higher amount of cash down. The important thingis to not putyourself in a situation where the new monthly paymentyou’ve takenon has put you in a financial position where you’releft withoutany expendable cash at the end of the month.The Term of the LoanThese are the days of the 40-year mortgage and the 7, 8 and9year car loans. Before you take out a loan, it is imperativethatyou think long-term when deciding on how long you want tomakepayment on what you’re buying. When you work to take out aloan,think seriously about digging in and getting it paid off asearlyas possible. This doesn’t necessarily mean that you’ve got totakea higher payment than you’re comfortable with for the sakeofpaying the loan off early, but instead, commit to makingextrapayments whenever possible, even if it means you’ve gottosacrifice a few dinners out, some new clothing, or livingwithoutcable TV until the loan is gone.

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