Wednesday, January 25, 2012

Tips on how to save money

I am gonna give you some tips on how to save money. Like most of us, I has debts, however, I decided that I wanted to be debt free this year. The methods that will be shared here can help you save and be debt free.

1) Never foreget to pay your credit card in full, If you can not afford it, pay the minimum required.

2) Plan your trips inadvance, Do not go back on the same direction just because you didnt check earlier to find out what was on the way.

3) By things like toilet paper and washing liquids from 99cents store.

3) Try to carry lunch, it gonna help you to stay healthy and save money.

4)Dont buy things you know that you dont have money to pay for.

 

I have used these tips, for two years and now I am financial fee, and that a great accomplishment and wonderful feelings.

Tuesday, January 24, 2012

Using a Payday Advance Lender for Quick Cash

Most people at some point in their lives run into financial trouble.  For many different reasons, you might need extra money to cover expenses or make a purchase.  While there are a few options for obtaining money in times of need, some of them are easier and faster than others.  Arguably, the quickest and simplest way to get a loan is by using a payday loan lenders.  While these lenders have been around for decades and provide a needed service to some people, you need to know the facts before taking a loan from them. 

 

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While some people may have bad things to say about instant cash lenders, the do provide customers with what they need.  Perhaps your vehicle was stolen and you need to get a car as soon as possible to get to work.  Maybe someone in your family is ill and you need to cover medical costs.  No matter what you need the money for, payday lenders can be a reliable source of funds in a very short amount of time.  While traditionally brick and mortar type stores located in towns and cities around the country, these days there are also online sites that offer the same service as well.  You can use either one, but if you go in person you can usually get your cash right then.  If you apply online, it will be wired to your bank account the next business day usually.  

If you were thinking about getting this type of loan, you would be wise to explore any other options available to you.  Usually, a payday loan will be your most expensive option for borrowing money.  Friends, family, or employers are always a better option.   Even obtaining a credit card cash advance usually works out cheaper than a payday advance.

The service fees, interest rate, and the amount that you can borrow will depend on which state you live in.  An average fee for this type of loan is around $25 per $100 borrowed.  If you borrowed $800, you would need to pay back $1,000 when your next paycheck arrives.  This translates into 25% interest for borrowing money for one or two weeks.  If for some reason you cannot repay you loan when your paycheck arrives, the lender may be able to “roll over” your loan.

With some good planning, you can borrow a payday advance without incurring excessive fees.  A good rule is to only allow yourself to take as much money as you can repay in the repayment period.