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Sometimes, significant expenses in life go beyond the reach of a savings account no matter how frugal we may be. Major home renovations, a dream wedding or simply covering emergency expenses can sometimes go beyond what we’re able to save.

In these instances, it might be possible to get a personal loan. Banks or credit unions offer these loans for personal expenses like those listed above, as well as things like credit card debt consolidation, funeral expenses or other large purchases. 

Read the full article in the Finances FYI section of The Seattle Times, sponsored by 1st Security Bank.