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Author Archives: Holly Petherbridge

About Holly Petherbridge

I am a Blogger, Web Content Writer, Teacher, Mom. A woman of many hats. As an elementary teacher, I had always encouraged my students to write more. I find myself falling back on my own teaching techniques to share what I know about building and rebuilding personal finances.
Budget help for graduates

Budget Tip For Graduates: Look Ahead When Managing Debt

Young graduates are not looking to get stuck with bed debt problems. Unfortunate, many are. Coming out of college in their early 20’s, graduates face tens of thousands of dollars’ worth of student loan debt without the promise of a high paying job. How many of these same graduates fell into credit card debt as well? According to a CNN survey, the average student leaves college with $35,500 in government, family and personal private loans. It also includes about $3000 of credit card debt. That’s a tough starting position to … Continue reading

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HOw much cash advance can you afford?

What Is An Online Cash Advance Affordability Check?

It would seem obvious that just about every applicant who applies for a cash advance online has some sort of money trouble. Is it safe to say that all people who need a fast cash advance cannot afford to get one? The answer seems clear as it is supported by endless stories of financial. On the contrary though, the loans are affordable if used correctly. Can you afford not to use a short-term cash advance? When looking at affordability, you have to look beyond the final cost. It is safe … Continue reading

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Payday loan help for credit challenges

Is Bad Credit Keeping You Attached to Payday Loan Money?

Do you know what is important to you? Many of us get trapped into thinking that we need so much when in reality much of it is unimportant. What we thought we couldn’t live without ends up in the back of the closet or in the garage waiting to giveaway or sell. How many payday loans online were used in the meantime to make ends meet, cover emergencies or even increase your purchasing power? The need for alternative money is a result of bad credit. It’s not like you have … Continue reading

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Payday loan success feels great

5 Steps to Payday Loan Payoff Success

Struggling to pay off your payday loan lender? Are you making excuses as to why you cannot pay? You can say “I can’t” all day but it won’t change the end results. You need to pay back your loan to keep more trouble out of your finances. It is important to accept the debt, be realistic as to how you will afford it and make the necessary changes to get it paid off. Remind yourself that you are not the only person who has ever struggled paying back a payday … Continue reading

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question your payday loan needs

5 Questions to Ask Before You Try for a Payday Loan

Being able to apply for an online payday loan advance and pay it back properly are two different stepping stones. Not everyone gets approved for the fast cash loans. With that said, it is also true that not everyone who gets a loan can actually pay it back on time. The added cost to loan extensions is often cost effective in comparison to what not borrowing would accomplish. Most of the time, this cost only increases financial problems. It is very important that you ask yourself some important questions before you apply. … Continue reading

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Cash advance debt does not have to lock you down

4 Steps to Payoff Cash Advance Debt and Recover

No matter what your reason was for using a fast cash advance, you now have the debt to pay back. Not only will you pay back the initial loan but the finance charge that comes along with convenient money. At this point, there is no need to make up excuses or try to justify the reason why you did, whatever it was is now in the past. Right now, you only have to deal with the getting it paid as quickly as you can. 1. Make a resolution to yourself … Continue reading

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Discuss shopping problems in budget

7 Discussion Points to Address Budget Change with a Spendaholic

How do you go about changing a spendaholic’s ways? If you have come to realize how money habits are negatively affecting the household budget, the biggest hurdle is over. Acceptance is a difficult part of the task to improve money matters. If it is your partner’s bad habits that are creating a problem, the problem is much bigger. It will take thought and good communication skills to get over the first hurdle; get your partner to accept that there is a problem. No one wants to be told what to … Continue reading

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Break habits that put your personal finances at risk

Structure Your Personal Finances to Break Bad Habits

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

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Smart budget choices

5 Smart Financial Decisions For Your Budget

Too many people give up on their budget when money becomes overly structured. When there isn’t enough room to breathe or have some fun, the budget falls wayside. What are we all juggling? Let’s see, we have to make time for work, family and fit in sleep? We eat and drive, change in the car and pay bills from our phones. It’s hard to keep up with the demands of a budget unless smart financial decisions help simplify our finances. 1. Don’t think about saving money, just do it. Set … Continue reading

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