Unusual Money Saving Tips

Jan 22, 2014 by

Unusual Money Saving Tips

Most likely you have heard various financial tips. Some of them you may have followed and some of them you may not have felt the need to do. No matter how you feel about financial tips, there are some that are unusual but really do work.

When you go out to eat you can see on the menu that some meals are larger than others. Most of the time the meal that are larger are not really much more expensive than the smaller meals are. Order the larger meal. You can take home the left overs and have another meal that did not cost any money because it had been paid for already.

Get your friends to cut your hair. Make a party of it. Getting your friends to cut your hair can save a lot of money over the course of a year. Think about how much you pay per haircut, is it worth it? Depending on what you want done to your hair and your friend’s skill level there is no reason they cannot do it for you.

Use dryer sheet two or three times. Dryer sheets are still good after their first use, do not throw them away. They can be used two to three times and still be effective. Reusing dryer sheets will help you to save money by not needing to buy more than necessary.

Saving Money

Saving Money (Photo credit: 401(K) 2013)

The day after Christmas there are so many sales and deals. You can find great gift baskets for next to nothing. There is nothing wrong with buying a lot of them and saving them for next year. You may even find that you can give them as gifts for other things throughout the year such as birthdays. This saves a lot of money, because the day after Christmas they are trying to get rid of all the items they have in stock for that year.

Do not buy rags at the store. When a towel or piece of clothing is worn out and no longer of use cut it up. You can use the scraps of clothing or towels instead of buying rags. This saves money and can give you many more rags than you would actually buy at the store and if one gets ruined you will not mind as much because it was not a new rag, it was an old piece of clothing.

There are many ways to save money. Some are more unusual than others. It does not matter if it is a way that most people use to save money or if it is a big more unusual. The point is to save where you can. You may surprise yourself by finding more ways to save than anyone you know, or a new way to save that no one else is doing.

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You Cannot Plan For The Unexpected

Dec 31, 2013 by

You Cannot Plan For The Unexpected

Here’s the main thing you have to understand about life: as much as you think that you can plan for things, the unexpected is just around the corner. This is especially true when it comes to your fnances. While you may find that a few months of good fortune allows you to save money and have Financial Relief, you soon find that Unexpected emergencies occur that can lead you back to a situation where you don’t have the money to pay for your monthly bills. It doesn’t matter how financially responsible you may be, these unexpected issues can throw you for a loop. Even if you have put money away, these issues can quickly lead you looking for a loan to make sure that you don’t fall behind on your regular monthly bills. While you may be looking for Payday Loans that you can get either from those who offer Text Loans or Bad Credit Cash Loans for surprisingly little risk, you are also looking for peace of mind that you don’t have to worry about taking a credit hit, and further financial issues, due to events that have occurred.

A Wide Variety Of Events Can Effect One

Risk

There are certain events that are apt to lead you to financial issues. While there are a wide variety of things that can through you for a loop, there are some that tend to occur more than others. For example, if you have a car, you are going to have repairs and services needed here and there. Sometimes, though costs will eat into your savings, and affect your ability to pay monthly bills. Same goes for health issues that either lead a family member into the emergency room or, worse, spending the night in the hospital.

Be Smart About The Loan That You Pick

While there is no such thing as a “no risk” loan, there are some loans that are less risky than others. Payday loans tend to be on the lower side of the risk because they should be paid back the next month, and they are based upon the money that is coming in a paycheck.

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Why Setting Up A Budget Makes Sense

Nov 27, 2013 by

Why Setting Up A Budget Makes Sense

One of the smartest things that you can do for your finances is to set up a monthly budget. While you may have a general idea of how much you have to spend and where you have to spend it, by setting up a budget you can get a better idea of what your finances are. Of all of the Financial Tips that are out there, putting together a budget is one of the easiest that you can do. Here are three ways putting together a budget can help you out:

See How Much You Have To Spend

budget

budget (Photo credit: 401(K) 2013)

While you may have a general idea of how much money you have to spend with each paycheck, seeing it in a budget will change the way that you think about it. By knowing how much you can spend, you will be closer to your money, and understand just how important each purchase you make is.

Know Where Your Money Goes

In addition to knowing how much money you have to spend, it is also important to know where your money is going. It isn’t just about the amount that you spend on bills, it is about knowing where you money is going on your daily purchases such as gas, food and purchases that involve your entertainment.

See Where You Can Save Money

When you know where you are spending your money, you can see where you can save money. If you realize that you are spending an exorbitant amount of money on lunches each week, you can see how much you can save by just packing your own lunch a couple of times a week.

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Saving Money By Eating At Home

Nov 6, 2013 by

Saving Money By Eating At Home

It happens more than you would like to admit: you are driving home from work after a long day and you suddenly realize that you don’t feel like cooking. While you may have something defrosting at home, and you know exactly what you are going to cook, there is a point where you just don’t feel like doing that 30-hour of prep and cooking. Because of this, you end up either going somewhere to eat with your family, or you pick something up on your way home from the take-out menu. While it is okay to do this from time to time, it is not something that you should make a habit of.

Eating At Home Saves Money

Of all of the Financial Tips that you can, one of the best that you can pay attention to is that it is always cheaper to eat at home as it is to eat out. While you may understand that going to a restaurant and spending $15 a person is more expensive than eating at home, it is important to recognize that simply going to a fast food restaurant is going to cost you more than eating at home. The average hamburger at a fast food restaurant is going to cost you between $2-$4; if you make that same hamburger at home, it is going to cost you less than a $1. If you eat our regularly, that savings can add up, especially if you tend to go out a lot. With this in mind, if you can limit the amount that you eat out and plan ahead for meals at home, you can end up saving a lot of money from month to month

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How A Cash Advance Can Help You Get Through A Short-Term Crisis

Oct 23, 2013 by

How A Cash Advance Can Help You Get Through A Short-Term Crisis

Are you struggling with a short-term cash problem? Are you looking for a quick and easy solution? A non-secured Cash Advance loan can help solve your short-term financial emergency. A payday loan or a cash advance loan is a short-term loan that is held against your next check allowing you to cover those unexpected emergencies or cash flow problems. There is normally no credit check involved and you can have your money when you need it, no unnecessary waiting and worrying. Payday loans are popular because they are flexible, simple and get the money in your hands fast.

Reasons You May Need a Payday Loanred-cross-bandaids

  • Car Repair will be needed if your car breaks down and you have no access to transportation. It’s important for you to have transportation so that you can get to work. Quick cash can help you get your vehicle repaired before your next paycheck so you can continue to get to work.
  • Many people today are uninsured. You can have a medical crisis that can cause financial problems. You may need to pay for medicine or medical emergencies that you were not expecting. Doctor office bills alone can cost anywhere from $60 and up.
  • Unexpected Bills such as higher utility bills due to warmer summer or colder winter. Extra money may be needed to keep them from being disconnected. School expenses or legal expenses due to divorce or court proceedings.
  • Travel expenses due to the death of a family member or moving out of state. If you live out of town you will have unexpected travel expense to attend funeral services, etc. If you or your child are attending college out of state, you will have travel expense for that as well.
  • For a family illness or death you may have to come up with some money to help pay for the funeral expenses.
  • Taxes such as your property tax or income tax that needs to be paid.
  • If you were in an accident and need to have your car repaired, you may be required to pay a deductible.
  • Storms such as hurricanes, tornadoes, hail or floods can occur at any time. You may need fast cash to have tree limbs or other items that have been damaged by storms removed until you can get your insurance check. You may need cash so that you have temporary shelter available for your family as well such as a motel room. Insurance checks can sometimes take weeks before they get to you.
  • Veterinarian bills. Most people don’t carry pet insurance. What happens if your pet runs out in front of a car and get hit? If your pet has an illness and needs emergency surgery and medicine how will you pay for those expenses? A pet crisis can be expensive. An average emergency pet surgery could cost up to $1500.

General Payday Loan Requirements

  • Must meet the minimum age requirement of at least 18 years of age.
  • Must have proof of income. Income levels vary with each lender. The cash loan is secured against your income. If you don’t have the required income your loan cannot be processed.
  • Must be employed. Some lenders require a certain amount of time that you have to be on the job such as 3 months.

How to Get a Payday Loan

  • Determine how much cash you require.
  • Apply for the loan. It’s fast and easy. You will fill out a simple application online, in person or by phone. You will need basic information such as job and income verification and checking account information such as your checking account number and bank routing number.
  • Once approved, your money will be given to you directly or deposited into your checking account according to what was set up during the application process generally within 24 hours or less.

You don’t need to struggle with short-term financial problems. When you borrow responsibly, payday loans can help you get through a short-term financial crisis until you get your next paycheck. They are designed to give a person an extra boost when cash is needed that cannot wait. When applying for a cash loan, have a clear understanding of the loan requirements, lender fees and interest rates as these vary from state to state and lender to lender.

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