Personal Finance

5 Ways To Avoid Peer Pressure In Our Personal Finances

Posted on November 29, 2019 by Kristy Lamar

Keeping up with the Jones can have a serious impact on our personal finances. We like what we like, but we also want what our friends like. Financial peer pressure is painful when a friend persuades you to spend more than you have. It isn’t always shopping, but trips to movies, eating out, and going to clubs that keep our wallet in a tailspin. We have to decide to spend less and never utilize credit cards to keep up with social status. It’s hard to stay home when everyone you … Continue reading →

Posted in Personal Finance | Tagged bad credit, budget, debt troubles, money management, peer pressure, personal finance, savings plan |

4 Tips to Dodge Credit Card Mishaps

Posted on November 23, 2019 by Kristy Lamar

Dodge ball is a popular playground activity. At a young age, we learn to watch the player with the ball. There is a competitive skill in watching the thrower select a target, take aim, and throw. The good players know when the ball is coming their way and step away as quickly as they can. The players who get hit with the ball, (you know the ones who are always out first in the game), either don’t pay attention to the ball, lose focus in the high-speed game or simply … Continue reading →

Posted in Personal Finance |

11 Personal Finance Steps for Those Pushing 40

Posted on March 19, 2014 by Kristy Lamar

By the time the average person reaches the age of 40, there have been significant milestones reached. Most are homeowners, have a career, married and had their children. At this point, they are definitely thinking about the future decades in life. To be more specific, personal finances. Emergency fund – If there isn’t one already set up, now is the time to make it happen. Without money set aside for unexpected costs, people turn to credit cards or worse yet, payday loans. Going into the second phase of your life … Continue reading →

Posted in Personal Finance | Tagged invest in your future, money help, personal finances, retirement account, Spotya!, Spotya! online cash advance |

Break habits that put your personal finances at risk

Structure Your Personal Finances to Break Bad Habits

Posted on March 12, 2014 by Kristy Lamar

How can you structure your personal finances in order to prevent any more debt build up? We live in the land of consumer freedom. We have everything at our fingertips and plenty of ways to make it happen; buy online, home-delivered goods, extended payment plans, immediate credit opportunities and fast cash loans. Each day brings new spending opportunities on top of what we had the day before. We live in a never ending spending opportunity world. Most of us got lost and forgot what it is like to go without. … Continue reading →

Posted in Personal Finance | Tagged budgets, lower debt, personal finances, spending plan |

5 Ways Your Finances Can Benefit From Credit Card Use

Posted on March 10, 2014 by Kristy Lamar

Credit cards will claim the demise of many household finances with long-term debt to plague family budgets. The cards are easy to use and difficult to manage. Some people give up using the cards in order to maintain a good budget. This action hurts their credit score in return. People need to learn how to use credit cards to their advantage without suffering from money loss or lowered credit scores. If they are so difficult to manage, why are credit cards good to have? 1. Revolving credit differs from installment … Continue reading →

Posted in Personal Finance | Tagged budget, Cash Advance, credit cards, fast cash advance, money management |

What Does A “Charge Off” Do to My Credit?

Posted on March 4, 2014 by Kristy Lamar

If you see a “charge off” report on your credit history, your original creditor finally took your debt off of their books. What does this mean for your credit? Since the creditor reported the loss, your score will feel negative effects for the next seven years. Understand a “charge off” You had a credit card account that went unpaid. The creditor tried to collect but the debt went into default. What was once an asset to a creditor has now become a liability. Eventually, that creditor will ‘charge it off’ … Continue reading →

Posted in Personal Finance | Tagged build credit, charge off, debt management, paycheck advance loan, paycheck advances, savings account |

Don't let payday loan use trap your budget

Is Your Secret Payday Loan Use Hurting Your Finances?

Posted on March 3, 2014 by Kristy Lamar

Secrecy is one of the biggest issues behind payday loan usury problems. Whether money troubles stem from overspending or neglect, a budget that demands any type of reliance on short-term loans will create problems. When secret use is involved, it is natural to hide negative results. Unfortunately, when it comes to money, secrets compound with monetary loss. With every payday loan, there are fees, budget stresses and a debt trap ready to catch someone’s fall. Overspending. Shopaholics, emotional spenders or those trying to keep up with the Jones next door … Continue reading →

Posted in Personal Finance | Tagged budget, budget management, credit card debt, debt, debt trap, direct payday lender help, overspending, Payday Loan |

Gat a payday loan when you need fast cash

Do Cash Advance Lenders Follow The CARD Act Amendment?

Posted on March 3, 2014 by Kristy Lamar

Even though many households swim in credit card debt, unemployed spouses may once again obtain new lines of credit. In 2009, creditors lost their right to approve credit cards to stay at home spouses. The CARD Act was amended that year to block creditors from issuing cards to those with limited or no income. Third party income was no longer used to support debt. The Credit Card Accountability Responsibility and Disclosure Act (CARD Act) amendment made sense. With so much debt filling the homes of Americans, why set people up to obtain … Continue reading →

Posted in Personal Finance | Tagged CARD Act, cash advance lender, house-husband credit, house-wife credit, qualified income, spousal loans, terms and conditions |

Will Credit Card BalanceTransfers Save Money In The End?

Posted on February 28, 2014 by Kristy Lamar

Balance transfers are often used as a strategy to get out of debt quicker. Move a balance from one account to another for a lower rate is a popular marketing strategy. It lures in new customers. Credit challenged households eagerly hope for an offer in their mailbox. They can’t find relief with alternative payroll or title loans but will the transfer ease money problems? Creditors mail introductory offers by the masses. The offer gives the recipient an opportunity to apply not a promise for approval. There are several introductory rates … Continue reading →

Posted in Personal Finance | Tagged alternative money, balance payoff, balance transfers, credit card offers, introductory rates, payroll loans |

Financial problems cannot rely on a fast cash advance

What Can Family Members Do to Help Financial Problems?

Posted on February 27, 2014 by Kristy Lamar

Have you bailed a family member out of financial problems again? When do you decide that enough is enough? The reasons behind the debt troubles would probably be the deciding factor for most people. If your generosity is enabling bad money behavior, it would make lots of sense to back away as their money solution. If you are helping someone who lost their job or needs more medical attention than they can afford, you are an angel in their lives. Bad money behavior does not make a person bad, but … Continue reading →

Posted in Personal Finance | Tagged budget, family help, financial problems, money help, money leaks, payroll loan |