Tips and Hints

Tips and hints from Cash Fast Centers will give insight about various components of your financial health as well as dispel misconceptions about no-credit-check loans.

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 still possible to formulate an educated guess.

Write a list of the gifts you gave and their costs. If you can’t remember their cost, then you’ll still probably be able to look up the prices of many of the gifts you gave.

Calculate Any New Costs

Once you have a pretty good idea of how much money you spent during the holidays last year, it’s time to take a look at this year’s events and activities. Discovering these added costs are easy if you ask yourself the following questions:

Is there someone I’ll need to buy a present for this year that I didn’t last year?
Am I hosting or co-hosting a party or event that I didn’t last year?
Will I be traveling to places that I didn’t visit last year?

If you answer yes to any of the above questions, then take a moment to calculate these costs. It’s important to get a realistic idea of any additional funds you may be required [...]

By |October 28th, 2016|Tips and Hints|Comments Off on 4 Easy Steps to Create a Realistic Holiday Budget|

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 pants
Sneakers
Glove/bat/baseball

Hippie

Tie dye shirt
Bell bottom pants
Round sunglasses
Beads
Beaded headband

Black Cat

Black top
Black pants
Cat ears

Scarecrow

Overalls
Straw hat
Plaid shirt
Straw to stick out of overall’s pockets

Winter Olympics Athlete

Toboggan
Winter coat
Gloves
Medal

Ladybug

Red shirt
Black pants
Black circles cut out of paper and taped to red shirt

Mouseketeer

White shirt
Black skirt/pants
Mickey mouse ears
Sneakers

Sleepy Head

Pajamas
Robe
Pillow

Minion

Yellow shirt
Jeans
Suspenders
Round glasses/goggles

 

Cost-Effective Halloween Costumes for Adults

Gym Teacher

Short athletic shorts
T-shirt
Sweatbands
Tennis shoes
Stopwatch

Spy

Trench coat
Sunglasses
Newspaper

Beatnik

Black shirt/turtleneck
Black pants
Black shoes
Black beret
Sunglasses

Nerd

Button-up shirt
Glasses with tape around the middle
Cardigan
Suspenders
Pens to stick in your [...]

By |October 13th, 2016|Tips and Hints|Comments Off on 20 Halloween Costumes You Can Find In Your Closet|
  • Four glass jars with coins and plants
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    The 3 Best Savings Accounts For You and Your Hard Earned Money

The 3 Best Savings Accounts For You and Your Hard Earned Money

Though saving isn’t fun or glamorous, it’s crucial to a healthy financial life. Money-saver extraordinaire Dave Ramsey says, “A budget is telling your money where to go instead of wondering where it went.”

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, “Which savings account should you choose?”
Which Savings Account Should You Choose?
Regular Savings Account

Considered one of the simplest ways to save money, a regular savings account can be opened easily at one of your local banks and requires you to put aside a little bit of money each month. The amount is generally set at the time the account is opened, but can be changed at any time. Because you are committing to put a certain amount in your savings account each month, the bank is able to offer you a higher interest rate than they are able to offer you in your checking account.

A regular savings account is best for people saving for a short term goal like a vacation, car, or wedding. It’s also the perfect account for those just wanting to get into the habit of saving. The money can be accessed at any time, and the account can be closed whenever the account holder wishes.

You need to remember that savings accounts have strict rules. For instance, missing a monthly payment to your savings account could incur severe penalties. Each bank has its own rules regarding their savings accounts, so talk to someone at your bank to learn the ins and outs of your account.

Money Market Account

If you’re looking for a [...]

By |September 9th, 2016|Tips and Hints|Comments Off on The 3 Best Savings Accounts For You and Your Hard Earned Money|

3 Clear-Cut Ways to Calculate Loan Repayments

If you’re considering applying for some sort of loan, then it may be helpful to first know what the payment amounts with interest might be. Not only will calculating loan repayments give you the confidence in your ability to make your payments, but you will also be able to gain trust with your lender by showing her your research.
Easily Calculate Loan Repayment Amounts
There are several ways to calculate a loan repayment. Whichever method you choose, you must first understand the variables that are involved in loan repayment calculation and their symbols.

Some methods will ask for the symbols while others will spell out exactly what they are asking for. Referring to the descriptions below can make the process go a little more smoothly.

M is the Payment Amount
P is the Principal, or the Amount of Money Borrowed
J is the Effective Interest Rate

To calculate the Effective Interest Rate, follow these steps:

Divide the annual interest rate by 100 in order to get it into a decimal form.
Then, divide the decimal form by the number of payments that will be made.

N is the Total Number of Payments

Now that you are familiar with the common variables involved in calculating loan payment amounts you will be able to more easily understand how to arrive at a solution.

How to Calculate Loan Payments With a Formula

If you would like to calculate your loan payments manually, then you can use the loan payments formula:
M = P * (J/1 – (1 + J) – N))
In order to solve this formula, you need all of the necessary information. It is also essential to use a graphing calculator because a standard calculator opens you up to the risk [...]

By |August 15th, 2016|Tips and Hints|Comments Off on 3 Clear-Cut Ways to Calculate Loan Repayments|

How to Save Money on Your Back to School Shopping

Believe it or not, summer is ending and the first day of school is quickly approaching. Whether you’re getting your kids ready, or you’re headed to the classroom yourself, back to school shopping is one of the first tasks on everyone’s fall to do lists.

While back to school shopping can be fun, it can also be a big drain on your wallet. However, with a little bit of planning, this doesn’t have to be the case. Follow the simple back to school tips below, and your family can start off the school year right.
Save Money on Back to School Supplies in Charlotte, NC
Create a Back to School Budget

Though it’s arguably the least fun task, it is the most important. Creating a budget for all back to school shopping is a necessary step to ensure you don’t make unplanned purchases. An excel sheet or a piece of paper with notes are both great ways to make a financial plan and stick to it.

Make a Back to School Supplies List

Just like creating a budget helps you to avoid knee-jerk purchases, making a back to school supply list will help avoid those as well. Stores are well prepared for a large number of consumers for back to school shopping. Eye catching displays and “discount prices” are tempting to anyone, but sticking to the supply list will help you stick to your budget.

Find the Back to School Sales

In the coming weeks, there will be many sales devoted to back to school shopping. The only thing you need to do is find them! Fortunately, blogs like Charlotte on the Cheap post deals throughout the area so you’re able to get the best possible price [...]

By |August 1st, 2016|Tips and Hints|Comments Off on How to Save Money on Your Back to School Shopping|
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    Savings Bonds vs. Savings Accounts: The Difference Will Interest You

Savings Bonds vs. Savings Accounts: The Difference Will Interest You

Whether you’re starting to plan for retirement, looking to make a big purchase, or simply want to put money away for a rainy day, there’s no time to start preparing like the present.

Don’t be intimidated by all the options out there, though. With savings bonds and saving accounts, starting to save is easier than you think. But when it comes down to it, is one better than the other?
Is a Savings Bond or Savings Account Right for You?
Savings Account

Savings accounts have been around just about as long as banks. They’re commonly used to ensure a secure financial future, and they’re easy to set up at a local bank.

The key features of a savings account are:

Better interest rates than checking accounts
Depending on the bank, checks may not be allowed to be written from the savings account without the account owner being charged a fee
May have a limited number of transfers/transactions
Easily liquidated
Meant for long-term investments
Able to access funds through the local bank, ATM, or online
Not intended for daily expenses

While they may not have the highest savings interest rates, it is easy to build up money in your savings account by following simple saving tips. Budgeting and automatic transfers are just two ways to start getting that money flow into your account.

It’s also easy to set up multiple savings accounts to prepare for different events in the future. One account can be devoted to your dream Europe trip and another to your daughter’s wedding. The professionals at your local bank will be more than happy to help you create a plan that is best for you.

Savings Bond

From the time [...]

By |July 13th, 2016|Tips and Hints|Comments Off on Savings Bonds vs. Savings Accounts: The Difference Will Interest You|

Summer Fun Doesn’t Have to Cost You Your Savings

Charlotte is a great place to be in the summer. Whether it’s riding the rapids at the U.S. National Whitewater Center, experiencing motorsports history at the NASCAR Hall of Fame, or a day out with the whole family at Carowinds, Charlotte’s got a lot! You’ve worked hard all year, and you deserve to have some fun! When payday is a week away, but your favorite band is playing tonight, Cash Fast Loan Centers can help you enjoy yourself without delving into your savings account.

In as few as 15 minutes, Cash Fast can get you the money you need for the things you want to do. Whether you need a few bucks for the weekend, or a larger sum for an unexpected emergency, Cash Fast Loan Centers offers easy, no-hassle solutions for any situation. There’s never a credit check, and we lay out all the terms in easy to understand language and with the utmost in personal service.
Two Services to Keep You from Dipping into Your Savings
We offer two types of services, Payday Loans and Car Title Loans.

Payday loans are ideal when you just need some extra cash for the weekend, and it’s a very simple process. All you need are these five items:

Your most recent bank statement
Your driver’s license or state issued ID
Your Social Security card
Your checkbook
Your most recent pay stub

After all your information is entered into our system, you write us a post-dated check for the amount we’re loaning you plus our finance charge, and we hand you the cash! A few days after your next payday, we’ll cash the check, and your loan is paid back in full! All of this is done in-house, with the [...]

By |June 14th, 2016|Tips and Hints|Comments Off on Summer Fun Doesn’t Have to Cost You Your Savings|

How to Successfully Build Up Money in Your Savings Account

Are you frustrated watching your money never add up? It seems like every paycheck disappears as soon as it hits your account, and eventually you push the idea of a growing savings account to the back of your mind. We know how critical savings can be — we want to help you reach your saving goals.

In order to bank the big bucks overtime, you have to make saving a habit.

No matter what your income or financial state, there are some simple life habit changes you can make to start seriously saving today.
Habits That Make Saving a Breeze
Budget

The first step is to actually start following that budget you made months ago. This step is absolutely crucial to reaching your savings goals. If you have never made a budget, it can feel overwhelming, so start small. Start tracking your savings: figure out how much of your paycheck each month actually goes to bills, food, or fun. Once you know where your money is going, it will be easier to redirect it.

Another tip to creating a successful budget is figuring out what your financial priorities are.

Once the bills and other necessary spending are budgeted for, what is the priority for the rest of your income? In this case, your financial priority is to save that money — by putting it immediately into your savings account. This can be as easy as depositing $10 a month into your savings account for the first few months. Making specific, attainable goals increase your chances of success. It is okay to start small to be successful in the long run. Not to mention, most banks offer savings account interest rates that help build even more money [...]

By |May 31st, 2016|Tips and Hints|Comments Off on How to Successfully Build Up Money in Your Savings Account|

Dollar Store Savings: 5 Home Essentials for 5 Dollars

Looking for an easy way to save money fast? You’ll be amazed at how far a dollar goes at your nearest dollar store.

Dollar store savings are a great way to stock up on essential supplies and accessories for your home. It pays to be thrifty, especially with things you know you’ll need. Brand name products from the grocery store can really add up, so go somewhere that will slash the prices for comparable goods.

 

By |May 20th, 2016|Tips and Hints|Comments Off on Dollar Store Savings: 5 Home Essentials for 5 Dollars|

Dollar Store Savings for Every Room of Your House

We all have our favorite tricks up our sleeves to help us save big on must-have items for the home. But how many of your everyday items could you be saving money on by utilizing the dollar store? The dollar store is beautiful for one very simple reason: everything costs a dollar. So what can you buy there instead of paying regular grocery store or convenience store prices?

Dollar store savings can be made on items for every room in your house, starting with your living room. Stock up on candles, batteries for the remote and other electronics, and simple decor pieces like picture frames. Three easy switches and a purchase that could have cost you more than $20 is now costing you $3.

Another room to think about while you’re in the dollar store is the kitchen. Useful items like glassware, sponges, and dish soap can cost more than $3 or $4 each at grocery stores or supermarkets, but will save you lots of money at the $1 price in the dollar store.

Cleaning products are a necessity and can be costly at regular supermarket prices, but check out your local dollar store for savings on the cleaning supplies you use in your bedroom, bathroom and all over your house. You can pick up shower cleaner, glass cleaner, many types of disinfectants, and laundry detergents at the dollar store to keep more of your money in your pocket.
More Ways to Save: Three Fun Ways to Cut Costs
What to do when the desired product can’t be bought at a dollar store? Don’t worry—there are tons of additional ways to save.

For items that just can’t be bought at a dollar store, try couponing. Yes, that just [...]

By |April 22nd, 2016|Tips and Hints|Comments Off on Dollar Store Savings for Every Room of Your House|