We are devoted to empowering you by providing useful information and valuable resources. We are passionate about sharing ways to save you money, find relief from debt, repair your credit, budget your income, work towards financial security, and even help the environment. We do not profit from the resources we provide you and 100% of any compensation that we do occasionally receive from our affiliate companies is donated to charity. Our commitment is to help you. We value your feedback and we love hearing from you, so please feel free to leave a comment when something we blog about interests you!
ATM Fees Add Up
ATM fees seem so simple, but if you frequent one that does not belong to your bank, you will be paying more than just one fee. There are two types of ATM charges; the surcharge and the foreign fee. The surcharge is the fee you will pay to the owner of the machine. The owners will decide how much of a fee they will charge for each transaction. The foreign fee is the charge you will pay to the institution that owns the card you are using. When you swipe a card at the ATM, some company owns that card and you will pay a fee to that company for using this card in a transaction. If you are using your own bank’s card, they may not charge you if you are using that banks ATM as well. It gets a bit tricky and you end up paying for the convenience of fast money. Depending on where you are, your fees may be way above the norm.
The percentage of money taken out verses the price of fees paid for the transaction makes it quite a high price for convenience. An online cash advance will not drain money from your checking account, and the fees are only being charged to one company. If you keep a good eye on your budget and plan ahead, you get get that extra cash you need for your travels ahead of time when you apply for a cash advance. The advance will be directly deposited into your account the next business day. You will be able to set out knowing that you have the extra money. If you need to actually have the cash in your pocket, head over to your bank and withdraw the money without any surplus fees taxing your money.
Spot is Having Fun!
Spot is one lucky dog! He is having a great time travelling around with all of our Spotya! friends. We can’t wait to hear all of his great stories!
Well, okay, I know Spot won’t be sharing, but it sure is fun seeing all the entries come in. There was a Facebook post of a dog who has markings on his side that looks like our Spot. It is great to have all of our followers share in their day. We have the best fans out there. Our page is becoming a real community as our followers are inviting their friends to join us.
You do not need to be a payday loan customer, but the idea that you know a company who is there just in case you or someone you know might need a budget boost to carry them over to the next pay cycle. Spotya! is a company who cares.
We follow all state regulated guidelines. The state you live in determines whether or not you can apply for a payday loan, how much you are allowed to borrow, and what kind of fees will be applied to your loan. These are all precautions so you do not send your information out to a company who is not your friend. Spotya! is your friend with or without a loan.
Come join us on Facebook, Twitter, and Google Plus. You never know what kind of fun Spot will be up to…he is always looking for new ways to have a good time with his friends!
Borrow for Needs
When you find your budget is not working and you have a need to borrow some money, take a good look and see why you are borrowing. A wise decision is to borrow for needs verses borrowing for wants. When you borrow money or even use a credit card, you are paying money to get money. Make that money worth your time and cost by borrowing for necessities. An online payday loan is a great way to get the money you need to make your budget work.
Your payment will be due when your next paycheck comes. You don’t want to cramp your next pay cycle with extra payments for borrowing money for things you do not need. Most people who find themselves living from paycheck to paycheck do not have room to be paying extra for money they do not have. Use your options to help your house budget run smoothly. If that means cutting out the trips for coffee or lunches out for a bit till you catch up, it makes good money sense. Those who get credit cards and use them for those extras, are only taxing their budget more. The interest each month continues to add to the cost of that original purchase. Try not to get trapped into spending the open balances of credit cards. Payday loans work so well to prevent this as you get only the certain amount of money you need. If you borrow only for needs, you are setting yourself up for success. Good job!
Think about where you are concerning your budget before you find a solution. A short term solution of a payday loan will take care of your impending bills quickly and will not set you up for future failure. Take charge of your finances and trust that a payday loan will give you the boost you need to get your finances on track.
Think about your finances before you find a solution. When you are finding a need for some extra cash, find a great short term solution and take care your bills in the fastest way possible.
Another Work Week
Another work week is approaching. It may be a pay cycle week for some of you and for others, there may be a wait. Take a look at what kind of bills are due this week and how that amount compares to how much you have sitting in your bank account. If the two do not match and you find yourself running short on cash, an online cash advance is a great option for you.
Apply for an amount that will carry you through to your next paycheck. You want to be able to make all the payments on time so your credit score does not get negative comments added to it. Your creditors will report your late payments. Grace periods of allowing a few days late are a thing of the past.
When you set up your budget for the week and you know that you can get the money you need to keep up with your budget’s needs, Monday morning will not start on such a rough note. You can plan to cut down on the extras and save some money so when your payment is due, you will have the savings plus your paycheck to pay it off in full. A cash advance works well to help those in a financial crunch. Easy money in and a fast payoff out.
Payment Options
When you apply for a payday loan, you will be given choices for payment options. The least expensive way would be to pay it all back when you receive your next paycheck. For those of you where that option wouldn’t work well, there are other payment options to choose from.
Any type of money borrowing will come with interest charges that get applied to your loan amount. The longer you keep your loan outstanding, the more fees you pay. The great part about a payday loan, is that you get to choose the date you make your payment. Schedule it to occur on your pay cycle so you are guaranteed to have money in the bank. Pay down on the loan as much as you can and take control about how much in fees you will pay.
Spotya! will work with you to pay the least amount in fees as possible. The whole idea behind payday loans is to get money that you need quickly, and pay it off just as fast. Many people have trouble finding the financial help they need to get through a rough financial patch. Payday loans are an option to keep your rough time from spiraling downward. It is much harder to get it together once the downward slope quickens, and it is harder to fix the damages. Your credit history takes seven years to correct.
Short term money solutions do work. It is not your credit that regulates the money. It is the state that you live in which determines how much you can apply for as well as what types of fees will be associated with your loan. Take advantage of a payday loan to help get your budget back in working order, before it crashes all together.
Where Are You Taking Spot?
We started a new contest on last Monday. Print out a picture of Spot from our Sweepstakes web page and capture a photo of you and Spot doing something fun!
So what are your weekend plans? Are you going to take Spot along? Spot loves a good time. Make it unique and fun and be in the running for an Ipad2 or $500 visa card. You will need to upload that photo on the sweepstakes entry form. Pretty simple to do and the prize will make it so well worth a few moments of your time.
Take the print of Spot and your camera out with you wherever you go. The weekend could promote many opportunities to capture a good time with Spot. Be creative! Think of something unique to do with him. Most of all, have some fun! Spot likes fun.
Don’t forget to “Like” our Facebook page so you can keep up with all our fan activities and vote for your favorite photo once the top three are posted. Good Luck!
Shut-Off Notice Warning
Whether you receive a shut-off notice for your phone, electricity or even your water bill, take it as it is… a warning. Now that you have been warned you have a few days to do something about it.
Payday loans come in handy for people who need a bit of their next paycheck in a hurry. It’s so easy to get behind when there are so many bills to take care of. A payday loan is a great option to take care of the ones with an emergency status. If you have received a warning to shut off your service, that bill is now on emergency status.
Click on our link and you will be at our payday loan page. Start the application process right then and there. Spotya! works hard to make the process as stress free as possible. We know that if you are at this point of needing emergency cash, that you do not need to be frantically searching for ways to solve your problem. Not everyone has family to go to, not everyone has good credit to fall on, but if you have income being deposited into your bank account…you have a payday loan option.
Help With Taxes
Tax season is a stressful time of year. Some people have to worry about how much they will owe to the IRS once the tax return has been completed. Others worry about money needed to hire a Certified Public Accountant to help process through complicated forms and proper deduction tracking. Then you could be like me and worry about where to find the $50 needed to buy the software so I can do it at home.
Taking out a payday loan can help make some of these financial matters less difficult. Of course, depending on how much your tax liability is, a payday loan may not help. The state you live in regulates how much you are allowed to ask for and then your income will help guide the loan figure as well. You do not want to work with a payday loan company who will loan you any figure just to collect on the fees. Spotya! is one of those trusted reliable companies who will follow all state regulations as well as consider your finances in processing your approval status. We want you to be successful in your finances NOT take advantage of someone who is in trouble.
It’s Valentine’s Day!!
Happy Valentine’s Day Everyone!
Have you shopped for that special someone yet? If you answered yes, congratulations and have a great evening! If you answered no, hmmmm…let’s see what we can do for you to stay out of the dog house.
- Make reservations to a favorite local restaurant.
- Call the florist and see what can be done last minute. Some florists will make up a few extra arrangements just for those last minute sales. Now it is up to you to beat all the other late comers to the florists!
- Hit the grocery store and start preparing some favorites for a nice home cooked meal.
- Make sure the card is something special since there may not be a gift along with it.
- Go get a gift card to a local spa with a nice note that elaborates on how you want only the best in health and well being for your significant other.
If you do spend money, just know that you can apply for a cash advance and get the money back into your account tomorrow. Fill out the online application and once you know you are approved, you won’t be hurting your budget to go get a few things to makes your evening special.
You may have your own answers of what to do and how to make it happen. No matter what you do this evening with your special someone, make it an honest expression of your heart. That is priceless on its own. If you are by yourself this evening, treat yourself , YOU deserve it!
Let us know how it goes!
New Contest Starts Today!
We have now started our next contest, “Site Seeing with Spot”!
This contest starts today February 13, 2012 and the winner will be announced on March 13, 2012.
We will have images of Spot, the Spotya mascot available to print out for you on our Sweepstakes web page. You can take that printed image on a trip or doing something fun and have a picture taken of you doing it with Spot. You will submit that picture of you and Spot through our sweepstakes sign up form. We will accept submissions starting today and will end on February 24, 2012.
Contest Time Line:
- 2/13 – 2/24 Have fun with Spot- take a picture with him- upload your picture on the Sweepstakes sign up form.
- 2/27 – 2/29 Spotya’s panel of judges will select top 3 photos.
- 3/1 – 3/9 Facebook fans will vote for their favorite photo ( you may vote for one photo each day)
- 3/13 Winner will be announced on Spotya! TV LIVE!
Follow Us!
Get Cash Now
Subscribe and Share
