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Tips for Avoiding Annoying Upfront Personal Loan Fees

When you’re in need of money, the ease of an online personal loan may be tempting. However,the hidden cost of upfront fees can take money from you when the application is submitted, which can leave you even more strapped for cash.

Also known as an origination fee, an upfront fee is sometimes charged by a lender, particularly online companies. These fees can be tricky as they don’t show up in the interest rate, and are only found in the annual percentage rate (APR).

Upfront fees can range from anywhere between 1% of the total loan to as much as 6%. They are also based on the borrower’s credit score and length of the loan.

These fees can be a hinderance to [...]

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    Six Important Financial New Year’s Resolutions You Should Make

Six Important Financial New Year’s Resolutions You Should Make

There is something about the start of a new year that makes us want to set goals and try new things. If you’ve been thinking about setting financial goals for yourself, then now is the perfect time to start.  

Creating New Year’s resolutions involving saving and other monetary tasks may seem intimidating at first. However, all of your financial goals can be easily realized by following a few steps and ensuring certain safety nets are in place.
How to Create Achievable Financial Goals
Open a Savings Account

When you decide to make saving part of your budget, you feel in control of your finances rather than letting them control you. No longer is the question “Should you save?” but rather, [...]

Happy Holidays from Cash Fast

Sometimes, with the hustle and bustle of the holiday season, it’s easy to get caught up in the stress and to-do lists. We’ve all been there. But, as we inch closer towards the end of the year, it’s time for us all to slow down and remember what this season really is all about.

Whether you’re staying close to home or traveling across the country, we hope you have a magical time with friends and family. We wish for your days to be filled with fun games, delicious meals around the table, and plenty of quality time with the ones you love.

If you are sticking around the Charlotte, North Carolina, area, then make sure to check out one of [...]

Two Easy Ways to Get Quick Cash Loan for Last-Minute Gifts

By now, you’re probably a pro at holiday shopping. You’ve created a budget and you’re sticking to it. And, just like St. Nick, you’ve made a list, and you’ve checked it twice. While you’re adhering to your budget and lists, you may want to utilize a quick cash loan.

Perfect times to use a quick cash loan during the holiday season are:

Taking advantage of a special sale
Purchasing a one-of-a-kind item or an item only available in a limited quantity
Buying a special item from an auction site, such as ebay or Everything But the House

Get Money Fast With Quick Cash Loans
There are two types of quick cash loans: payday loan and title loan. Each [...]

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    Five Simple Ways to Save Money on Thanksgiving in Charlotte, NC

Five Simple Ways to Save Money on Thanksgiving in Charlotte, NC

To many people, Thanksgiving means parades, turkey, and football. It can also mean that your wallet will feel a lot lighter at the month’s end. According to the American Farm Bureau, the average cost of a Thanksgiving dinner for 10 cost around $50. And we think, with a few tips, you can exceed that average to make things cost a little less — and it’s easier than you may think.

Start Buying Now

While you may want to wait until it gets a little closer to Thanksgiving to buy perishables, you can start buying items such as boxed stuffing, canned vegetables, and frozen turkeys now. This allows you time compare prices and cut coupons.

So, when you see a good deal, [...]

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    What Questions Should You Ask Before Opening an HSA Account?

What Questions Should You Ask Before Opening an HSA Account?

When you get sick, the last thing you’ll want to worry about is how to pay for medical expenses. Healthcare is generally expensive, which can add stress to an already stressful time. Fortunately, this anxiety can be avoided with a Health Savings Account (HSA).

What is a Health Savings Account?

In concept, HSAs are similar  to personal savings accounts; HSAs are accounts that are used to save money which will only be used for healthcare expenses. The owner of the account, rather than employer, is the person who controls the money. In addition, money put into this account is not taxed.

Am I eligible for a Health Savings Account?

In order to open an HSA, you must have a special type of [...]

4 Easy Steps to Create a Realistic Holiday Budget

The holiday season is a very special time of year, and it’s rapidly approaching. It’s a time when we can get together with friends and family and enjoy one another by celebrating and indulging in beloved traditions.

But the holiday season is also a very expensive time of year. Fortunately, you can avoid the shock of end-of-year spending by creating a holiday budget.
4 Tips for Holiday Shopping on a Budget
Look at Last Year

The best place to start when making a budget for this year’s holiday season is by taking a look at how much money you spent during last year’s holiday season. If you don’t have a budget or receipts from last year, then don’t worry. It’s [...]

Answers to Your Most Pressing Questions about Sinking Funds

Sometimes emergencies that require cash pop into our lives. It’s hard to plan for these types of events and they often take us by surprise.

But what about those events or occasions we know are coming? Do you have payments for school, your friend’s birthday, car payments, or even Christmas coming up?

Setting up a sinking fund is an easy and financially responsible way to prepare for these events.

 
What is a sinking fund?
The simplest definition of a sinking fund is an amount of cash formed by periodically setting money aside. These funds are used to either pay off a debt or to purchase a specific item.

When large organizations utilize sinking funds it is typically through the repayment of bonds. [...]

20 Halloween Costumes You Can Find In Your Closet

October 31st is just around the corner, and it’s time to start thinking about your Halloween costume. Typically a fun activity, brainstorming easy and cheap Halloween costumes can turn into a stressful task when your bank account is running low.

There’s no need to worry, though. There are many costumes you can put together with items that are most likely in your closet already. Not only is this an easy way to save money, but it’s a fun activity that will have you pulling out items in your closet that you may not have worn in a while.
Cheap Halloween Costume Ideas Found in Your Closet
Cost-Effective Halloween Costumes for Children

Baseball/Softball Player

Team hat
Team shirt
White [...]

How Interest Rates Work

Whenever you open a bank account or a retirement account, or when you’re applying for a loan for a home, car, or business, you wind up dealing with interest rates. What is interest, and what does it mean for you? Knowing more about interest rates and how they work will help you make wise decisions when saving and borrowing money.
Why Interest Rates are Important
What is Interest?

There are two ways interest can affect you. One way is it is given to you as the result of having an account with a bank or credit union. Interest is also added to expected payments required by a lending organization.

First, let’s consider interest when it is given to you. When you [...]