budget

How to Stick to Your Holiday Budget

Sticking to a budget at any time of the year can be tricky. And when you factor in gifts for friends and family, hosting or attending parties, and decorations, the holiday season can be all the more challenging to your bottom line. 

Below are some tips to help you stick to your holiday budget and keep financial stress off your Christmas list. 
Start budgeting early
The holiday season has a way of sneaking up on us. Start setting aside some spending money several months in advance. Better yet, work it into your budget for every month of the year. The earlier you begin to save, the less money you’ll need to put aside each month.  
Take everything into consideration
It’s easy to only focus on the price of gifts. But little things like wrapping paper, cookies, and even an increased power bill due to Christmas lights can quickly eat into your budget. Make room for every expense, no matter how small. 
Download a holiday app
There are plenty of holiday shopping apps available that can help you find the lowest prices, take advantage of coupons, earn cash back, and more. Also, learn how you can save money on your holiday shopping, which will help you stay under your original budget.    
Stick to cash
Once your budget is set, make an envelope for each category and put the appropriate amount of cash in each. Using a cash system will keep you from overspending, something that can be easy to do with a credit card. 
Shop online to save money on gas
You did a great job of sticking to your holiday budget, but you spent a fortune in gas running to stores all over town. Many [...]

By |December 20th, 2019|Tips and Hints|Comments Off on How to Stick to Your Holiday Budget|

Get Out of a Debt Cycle in These 5 Steps

For many, debt isn’t just an obstacle. It’s a lifestyle. Once you fall into debt, it can be hard to pull yourself back out of it. Debt leads to borrowing, which leads to interest and more debt. And before you know it, you’re trapped in a vicious debt cycle. 

Fortunately there is a way out. Follow the five steps below to get out of your cycle of debt and achieve financial freedom. 
How to Escape a Debt Cycle
Step 1: Save up an emergency fund.
Your first thought is probably to throw every spare dollar at your debt. But one of the things that keeps people locked into a debt cycle is surprise expenses such as a car repair or medical bill. Before fully tackling your debt, build up a small emergency fund. That way your debt payback plan can remain uninterrupted by minor emergencies. 
Step 2: Consolidate debt and transfer it to a low (or no) interest rate.
There are a number of credit cards that offer low or even no interest rates for a select period of time if you transfer your debt to them. Doing this can free you up from interest payments that keep you trapped in a debt cycle. If possible, consolidate all of your debts into one loan or credit card. 
Step 3: Pay more than the minimum. 
Pay more than just the minimum on your balance each month. You’ll pay less in interest and will climb out of your debt cycle faster. 
Step 4: Live on a budget.
A key to breaking the debt cycle is maintaining a pattern of predictable spending. Create a budget so you know how much you’ll be allocating each month to food, bills, [...]

By |November 30th, 2019|Tips and Hints|Comments Off on Get Out of a Debt Cycle in These 5 Steps|

Why Choose Cash Fast Loan Centers for a Payday Loan

There’s more than one option available if you’re seeking a payday loan. So why choose Cash Fast Loan Centers? Below are five good reasons why you should pick us for your next payday loan. 
We make it fast and easy to get the money you need 
When you come see us for a payday loan, you’ll be in and out in less than 15 minutes. Just bring the following items, and if you’re approved, you’ll walk out the door with cash in hand:

Your most recent checking statement
Driver’s license
Social Security card 
Checkbook
Your most recent pay stub 

We don’t even run a credit check as part of the loan process. After all, we don’t call ourselves Cash Fast Loan Centers for nothing.
We’re a reputable lender 
We’re a proud member of the Community Financial Services Association of America’s Best Practices. What does that mean? It means we’re required to follow strict standards that ensure responsible lending practices and protect your rights. Not all payday loan centers can be trusted, and we choose to hold ourselves to a higher standard.   
We guarantee the lowest rates in the area 
You won’t find a lower rate for a payday loan in the area. At Cash Fast Loan Centers, we offer the lowest rates — guaranteed. 
We keep your personal information confidential 
At Cash Fast Loan Centers, your personal information belongs to you. We don’t share your information with any other parties, and the entire process remains confidential. 
We’re conveniently located
We proudly serve the areas of Charlotte, Concord, and Gastonia in North Carolina, along with Rock Hill and Fort Mill in South Carolina. Our locations are open six days a week and [...]

By |October 31st, 2019|Payday loans|Comments Off on Why Choose Cash Fast Loan Centers for a Payday Loan|
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    How Cash Advances Fit Into Spring Cleaning Your Monthly Budget

How Cash Advances Fit Into Spring Cleaning Your Monthly Budget

Budgeting may seem like a tedious chore, but it’s an important part of life. You need to establish a solid budget to ensure that you have money to pay your bills, support your savings, and live comfortably. Many people aren’t sure how to properly organize their budget and may need assistance, which might include a cash advance loan.

Take a look below at a few helpful tips for managing your monthly budget this spring.
4 Spring Budgeting Tips
Budgeting is more than just writing down a list of expenses and subtracting them from your paycheck. It’s about structuring your assets into an easily manageable system so that you don’t find yourself stuck in a financial rut. Here are a couple of pointers to assist you with managing your budget this season.
Establish an objective
What is your goal for your budget? Do you just want to pay off your bills each month, or are you trying to build up your savings?

You need to establish what exactly you want to get out of your budget, even if it’s something as simple as paying off a loan. Having a clear goal is like having a target, and your budget is the arrow.
Prepare an emergency fund
Emergencies can happen at any moment. Is your budget prepared to handle one? No matter what your objective is, you should always have some type of emergency fund on standby in case something unplanned happens.

Ideally, your emergency fund is equal to approximately two months of take-home pay. If you are unable to secure an emergency fund right away, consider a cash advance near you to help you get started.
Regularly audit your budget
Make maintaining your budget an appointment. [...]

By |May 15th, 2019|Cash Advance Loans|Comments Off on How Cash Advances Fit Into Spring Cleaning Your Monthly Budget|

How to Budget and Save Money in Charlotte, NC

With so much to do around Charlotte, North Carolina — from restaurants to shopping centers and more — it can be easy to spend all the money in your pocket. As tempting as that may be, it’s probably not in your best interest. To keep yourself from overspending, check out these helpful money-saving tips.
How to Save Money in Charlotte, NC
Collect a rainy day fund
It’s the oldest trick in the book for a reason. Place a jar on your bedroom dresser or kitchen countertop, and fill it with all the loose change you get when you pay for groceries and make other transactions in cash. Or, make a habit of placing a dollar or two in the jar every time you get home from work. When the jar fills, bring it to your local bank and deposit your collection.

Once the coin machine calculates a sum in 10s, 20s, or even 50s, you can save it or spend it on something you’ve always wanted to do in Charlotte — like go to a football game at Bank of America Stadium or visit Carowinds Amusement Park.
Lookout for free events
After you’ve taken care of the groceries, rent, and monthly bills, save your extra cash and opt for a number of free events and activities around Charlotte. If physical fitness is your jam, stop by the South Tryon Athletic Center Crossfit (STAX) every Tuesday and Thursday from 6:30 to 7:30 p.m. for a free boot camp.

Visit the UNC Botanical Gardens on a warm afternoon, and stroll through three gardens featuring seasonal flowers, plants, shrubs, and more. The Reedy Creek Nature Center and Preserve is another free spot where you can walk along nature [...]

By |October 12th, 2018|Tips and Hints|Comments Off on How to Budget and Save Money in Charlotte, NC|

How to Get What You Need Without Spending Money

Whether you’re low on funds or simply seeking to pad your bank account with a healthy layer of savings, minimizing your everyday expenses may seem like a tough task. Fortunately, there are lots of ways other than payday loans to slash the amount of money you have to fork up to get the things you need.

With some strategic planning, you may be able to get those things without spending a penny. We’ll tell you how.

Ways to Get Items you Need Without Wasting a Dime
Trade with friends
If you’re close with someone, there’s a good chance they’re happy to help you out. But there’s also a good chance that they need something just as much as you do. So why not swap? Trading with friends is an easy way to transform your unnecessary possessions into something you genuinely need while helping out a close connection.
Take advantage of the internet
The internet is a treasure trove when it comes to free stuff. Start your search by posting on social media to let friends and family know that you’re looking for something. Posting online also offers connections outside of your inner circle an opportunity to help you out.

Then, dig into social media groups. Certain platforms offer local swapping groups, as well as groups where users can post possessions they’d like gone. Be sure to exercise due caution, and bring a friend if you’re planning to meet with a stranger.

Finally, make sure to peruse online classified ads. Most websites featuring classifieds include a section for free stuff, so take a look. You may find exactly what you’re searching for.
Clean house
Even if you keep your home clean, it’s easy for less-visible areas to get [...]

By |August 7th, 2018|Tips and Hints|Comments Off on How to Get What You Need Without Spending Money|

Father’s Day Gifts You Won’t Need a Cash Advance to Buy

To celebrate your amazing dad, you want to go all out this Father’s Day — except you don’t have the cash for a shiny new grill or that expensive lawn mower he’s been raving about. It’s not about how much money you spend on a present for your dad this Father’s Day, but about showing your dad how much you truly care about and appreciate him.

At Cash Fast Loan Center in Fort Mill or Clover, South Carolina, it’s easy to get a cash advance, but there are also a variety of gift ideas that will make your dad’s day without breaking your budget.
3 Great Gift Ideas for Father’s Day
Steering Wheel Cover
If your dad is a car lover, surprise him with a new and inexpensive steering wheel cover. It’ll keep his hands warm during the freezing winter months and cooler when the temperatures start to rise, so he’ll be comfortable during every drive. And with the extra grip of the cover, your dad will have a better handle on the wheel.

Sold in an array of different colors, textures, and styles, you won’t have a problem finding the perfect steering wheel cover for your dad this Father’s Day.
Portable Phone Charger
Your dad won’t have to worry about his smartphone losing battery power after you buy him a portable phone charger. Whether he’s at work, on the road, or on the couch, your dad can easily charge his phone without the hassle of plugging a long, twisted cord into a power outlet. Your dad will love this gift, mostly because he’ll be able to stay in contact with you.
Spill-Proof Travel Mug
For the dad who’s always on the go, a [...]

By |June 15th, 2018|Cash Advance Loans|Comments Off on Father’s Day Gifts You Won’t Need a Cash Advance to Buy|

Affordable Souvenirs to Bring Home From Your Vacation

Spring is finally here, which means a chance to get away and travel. Last year we wrote a blog on how to stretch your vacation dollar, but what about souvenirs? Everyone wants to bring back something to help them remember their trip, but all the gifts you buy for yourself and your family can add up.

We’ve included a few of our favorite cost-effective souvenir ideas for your next trip from Clover, South Carolina.
Affordable Souvenirs You Can Bring Back From Your Vacation from Clover
One way you can save is by vacationing close to home. All of these great destinations are less than six hours from Clover, South Carolina:

Atlanta, GA
Myrtle Beach, SC
Outer Banks, NC
Jacksonville, FL
Richmond, VC

Get Something Practical
If you’re going to throw down money on a souvenir, why not get something you’ll actually use?

Clothes are probably the best example of a practical souvenir, but avoid the overpriced, low-quality tourist store t-shirts that line the bottom of most dressers. Opt for an identifiable shirt, swimsuit, pair of sandals, or sunglasses that can become a part of your regular wardrobe. You’ll be reminded of your trip every time you wear it.
Pictures
You probably already have a way to obtain this souvenir in your pocket right now. Just make sure to snap a quick shot of every place you stop, and by the end of the trip, you’ll have dozens of memories. You can print these and put them on display or just upload them to social media to share with those you care about.
A Journal
Keep a journal of your activities while you’re out on vacation. This can include short blurbs, sketches, [...]

By |March 21st, 2018|Tips and Hints|Comments Off on Affordable Souvenirs to Bring Home From Your Vacation|

Simple New Year’s Resolutions to Help You Save Money

New Year’s resolutions are great opportunities to get a fresh start and improve your life. If you’re anything like most Americans, finding ways to save more money is near the top of your list. Fortunately, you can make great headway by adopting just a few minor lifestyle changes. Here are some helpful money-saving resolutions.

Like all resolutions, some setbacks are to be expected. If you’re caught off-guard by sudden expenses along the way, you can make ends meet with a convenient title loan from Cash Fast Loan Center in Clover, South Carolina.
New Year’s Resolutions to Help Yourself Save Money in Clover, SC
Cut Out the Small Expenses
Maybe you pick up a cup of coffee every morning or go out for lunch several times a week. These small expenditures can add up to a massive portion of your budget. Limiting these convenience purchases or cutting them entirely can save you hundreds in a year.
Prep Food Ahead of Time
Buying and prepping your lunches in bulk can save you both time and money. Just make several large servings of the same meal Sunday night and pack them up in plastic containers to reheat and eat throughout the week. This way you aren’t wasting money on ingredients for individual meals every day.

Here are just a few delicious and easy prep-ahead meals.
Eat Less Meat
Another way to save on food is to eat less meat. Meats are typically the most expensive part of any meal, and it can be substituted for high-protein vegetables like broccoli, mushrooms, legumes, and tofu. Avoiding meat can also help you improve your health. Try incorporating a “Meatless Monday” into your weekly schedule to get started.
Set Aside Extra Money
If [...]

By |January 10th, 2018|General|Comments Off on Simple New Year’s Resolutions to Help You Save Money|

Get the Most Out of Your Fall with Quick Cash Payday Loans

From the changing leaves to the excitement of upcoming holidays, fall is full of family-friendly activities. Don’t let unexpected expenses keep you from enjoying the season. There are tons of free and affordable fall activities your whole family can enjoy.

If you’re still running low on funds, you can get quick cash payday loans from Cash Fast near Gastonia, North Carolina, to help carry you to your next paycheck.
Get a Quick Cash Payday Loan from Cash Fast Loans
Cash Fast Loan Center offers quick, no-hassle cash payday loans to help you out in those tough financial times. If you need help making ends meet, we can help you out. Approval takes just 15 minutes, and no credit check is required.
Cheap or Free Ways to Enjoy Your Fall Once You Get Your Quick Cash Payday Loan

Visit a Local Farm
One of the best places to enjoy the harvest season is a farm. Some local farms open their doors to the public with hayrides, petting zoos, pumpkin picking, and corn mazes. Lewis Farms in Gastonia, North Carolina, charges only $5 to stop by for fall fun on October weekend days.

Hiking
You don’t need to travel to enjoy the beauty of the changing foliage. Take a walk through a public park or find a nearby hiking trail to take in the colors of fall.
Collect Leaves
You can also take some souvenirs of the season. While out on one of your fall walks, pick up some of the colorful leaves you find. Once you get them back home, preserve the leaves so you can all remember this fall. Flattening the leaves under books, or ironing them between sheets of wax paper are easy methods.
Make [...]

By |September 18th, 2017|Payday loans|Comments Off on Get the Most Out of Your Fall with Quick Cash Payday Loans|