Skip to content
Menu
Finance advisor Carlos Pena – some great tips on saving
Finance advisor Carlos Pena – some great tips on saving

Category: bad credit loan

13 Money Saving Tips

Posted on 13/09/2022 by Carlos

Who doesn’t want to save money every month? These tips to save money will help you spend less each month. You can use the money you save to pay off some debt, build your emergency fund, or save for a large purchase.

Visit the library.
Instead of buying books and renting movies, take a stroll down to your local library. Your taxes are used to fund it anyway. You can check out many of the newest releases from the library for no cost at all.

money saving tips with bad credit loanDon’t pay ATM fees.
Unfortunately, when you use an ATM other than your own bank’s you get hit with double the fees – one fee from your bank, another fee from the other bank. You could end up paying $4-$5 to pull out $20.

Use cash.
When you use a check card, you never know how much money you’re really spending until you get to a computer to check your balance, especially if you have bad credit loans. Using cash can keep you from overspending since you can always count what you have left.

Shop around for deals.
Instead of buying on impulse, shop around for purchases. The internet makes it easier than ever to get the lowest price possible. Just pull off the websites of stores near you or use a site like PriceGrabber.com to compare prices.

Bundle cable, internet, and phone.
Most cable providers now offer internet and phone service. Bundling all three services under one provider lets you save.

Ditch the home phone.
If everyone in the household has a cell phone, forgo a landline phone all together and use the cell phones only. You could save anywhere from $30 – $75 a month depending on the service you get.

Cook at home.
Eating out several times a week will quickly add up to several hundred dollars a month. You could spend half that on groceries and cook your own meals. Can’t cook? Pull up some recipes online or tune in to the Food Network.

Take your lunch.
Now that you’re putting your cooking skills to good use, cook enough so you have leftovers. You can take your lunch instead of eating out or buying from the cafeteria.

Shop with a list.
If you have a shopping list, you’re less likely to buy on impulse. Make the list before you shop and make sure you stick to it.

Don’t shop on an empty stomach.
It’s a fact that shopping when you’re hungry will cause you to spend more money. You’re ravenous appetite will lead you to buy things you ordinarily wouldn’t.

Avoid impulse buys.
Before you spend your money on an item, make sure it’s something you need and have budgeted for. Ask yourself if you really need it before you let the cashier scan it.

Service your car regularly.
Getting your oil and air filter changed and having your tires rotated improves your gas mileage allowing you to save on gas.

Get insured.
Yes, insurance costs extra money, but think of what you’d have to spend on an accident if you didn’t have insurance. Get a higher deductible for a lower premium.

Use a budget and track your spending.
Once you see where your money’s going each month, you can look for more ways to save.…

When you need payday loan, you can get it without any problems

Posted on 03/06/2021 by Carlos

When you need bad credit loan offers, you don’t want a run around. You don’t want to struggle to get the funds in place that you rely on. Instead, you need to know you have options and that you can pick the right lender for your needs. Not all lenders offer the same types of loans. Some require faxing documents when you apply online and others don’t. Some lenders are local too so you will be able to walk in and get the money you need.

It all comes down to how you feel the most comfortable and where you would like to apply for the funds. One thing that does need to be pointed out though is that you will pay less interest when you apply online for a cash advance. These lenders don’t have as many expenses relating to the ongoing processing of the business. You will also save money if you go with direct lenders. They don’t have to pay third parties commissions that result in them charging you higher rates of interest.

Look over reviews online and you will find plenty of information that is unbiased about any payday loan lender. These reviews are from people just like you that have applied with them. Look for a lender that has plenty of positive feedback from people. Steer clear of those that have negative information about them or that you can’t find any reviews on at all. Don’t underestimate the value of this information from other people out there.

The key though is to make sure you are working with the right lender. Always find one that can offer you the dollar amount of money you need. Don’t get into a situation where you are applying for several loans to get a total dollar amount that you need. It can be extremely difficult to have to pay back many lenders at once in NC.

You want a lender that has been around for a while so find out how long they have been in this business. You also want to check their reputation through the BBB. If they have a history of complaints then do yourself a favor and find a better lender to work with. You don’t need problems when you are trying to get a cash advance. Look for lenders that offer you a very low rate of interest too. As you look around at different offers, you will quickly be able to see the best rates.

The interest that is charged for cash advances depends on the lender. Your credit or lack of it never influences what you will pay for the interest. Don’t let a lender get more from you than they really should. It is your own downfall though if you don’t compare rates and you pay too much. Even though you need the money right away, the time frame really can influence rates too. Getting cash in 1 hour from a lender can cost you more than accepting it in 24 hours from another lender.

What is the situation for paying back that lender too? You never want to borrow funds through a payday loan without looking very closely at that information. You need to be confident you can pay them back according to the terms you set up. The two common options are either you have to pay the money all at once or you get smaller payments over time. With the payment up front, you pay less in interest and you get the loan done and over with fast.

With the payments, the money you owe can fit better into your financial obligations. However, you will end up paying more in interest over this longer frame of time. It also means that you have that loan outstanding over you for a period of time. Think about all of this when you need payday loan though. It will really help you to get pointed in the right direction. It will ensure you don’t pay too much, that you don’t wait too long for the money, and that you can keep your end of the obligation from start to finish.…

Recent Posts

  • 13 Money Saving Tips
  • How Fast Can I Get A Loan Online?
  • When you need payday loan, you can get it without any problems
  • When our car broke down, we didn’t know what to do
  • What to Look for In a Cash Advance Settlement Company

Archives

  • September 2022
  • August 2022
  • June 2021
  • May 2021
  • April 2021
  • March 2021

Categories

  • bad credit loan
  • Cash advances
  • lawsuit
  • Loan Online
  • Money
  • no problems
  • Saving Tips
©2023 Finance advisor Carlos Pena – some great tips on saving | WordPress Theme: EcoCoded