Payday loan stories are often in the news. It isn’t surprising to hear of bad debt stories, law suits against predatory companies or state legislatures working to control the reigns of the payday loan industry. Louisiana is currently working within their communities to take fast cash loans off the table altogether. The government feels that it is time to take this alternative money option away from its citizens. People within the state take an average of over 4 loans each year. Considering the fact that there are plenty of people … Continue reading →
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 →
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 →
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 →
When your wallet is tight, it is time to scale back the budget. Fixed expenses are not the easiest to pare back on unless you downsize your home. Discretionary spending is the perfect place to start. There is a lot of wiggle room with money spent on costs above and beyond what you need to survive. With one significant change, a wallet will loosen up to a more comfortable spot. If several changes are made money worries will remain in the past. Where can you make cutbacks to support a … Continue reading →
Why would a cash advance lender care about how many other short-term loans an applicant was currently paying for? They don’t care about credit card debt, car payments or a house mortgage and if they did, there would be a credit check. There isn’t one. It is a saving grace to credit challenged customers. Do payday lenders even care if a customer uses other direct lenders? Some do. There was a study done in England to find out whether or not payday companies would approve a loan with several others … Continue reading →
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 →
The payday loan industry is laden with negatives. Financiers shout about the high APR costs without mentioning the fact that a borrower would have to keep a loan out for a year to happen. Customers are warned about predatory practices. There is no reminder that there are honest hard working companies helping the credit challenged every day. Bad news is handed to the town crier to shout it all out throughout the land. The good news remains a secret whisper among those who find the service useful. A payday loan … Continue reading →
Since fast cash payday loans are used by many credit challenged borrowers, the concept was adopted by some banks and credit unions. These financial institutions set up their own short-term payday loan versions to help customers themselves. It made sense for many customers to use their own bank since there was already a trusted relationship. With all the negative reports towards direct payday lenders, it made sense to keep their money solutions all in one. Unfortunately, these loans ended up being problematic for many borrowers anyway. For starters, because bankers … Continue reading →
On time payments are a driving force behind many payday loan applications. When money management has slipped and late payments are recorded onto credit history, credit scores drop. Low scores will eventually turn into credit worthiness problems. Once your score drops below the prime level you will find money options have shrunk. Alternative money, like a fast payday loan, is available to those who qualify but the payoff may create future troubles if not handled correctly. Money management is an important skill to acquire before troubles begin. It is important … Continue reading →
Photo Credit: Ubi Desperare Nescio via Compfight cc Looking to cool your house off this summer? Wanting to stay warm in the winter? Temperatures will sky rocket to triple digits or stumble below freezing.
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