expenses

Expenses are both monthly bills and unanticipated expenditures that you may need quick access to cash for payment.

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|

Affordable Ways to Spoil Your Pet When You’re on a Budget

Financial difficulties don’t have to mean your pet gets less. There are plenty of affordable ways you can continue to shower the four-legged member of your family with affection while you get your budget back on track.
Free and Cheap Ways to Spoil Your Pet in Clover, SC
Activities
Homemade Toys: Don’t pay the massive markup on pet toys. Making your own pet toys is affordable and fun, and many of them can be thrown together from things you have laying around your house.

One of our favorites uses a paper towel roll, paper, and some tape. Cut some holes and slits in the roll and fill it with your pet’s favorite treats, and seal off the sides with paper. Both cats and dogs will enjoy rolling the toy to get treats to come out.

Local Parks: Dogs also love getting a chance to explore the outdoors. There are plenty of local parks you can bring your furry friend to, like the Clover, South Carolina, Community Park. If you’re willing to make a drive, you can take your pooch to socialize with other dogs at Central Bark in Tega Cay.

DIY Pet Bed: Sleep is most pets’ favorite activity. Make your dog or cat’s nights more comfortable, keep hair out of your own bed, and save money by making your pet a bed from repurposed things around the house.
Affordable Pets
If you haven’t chosen a pet yet, consider getting a smaller breed. Overall, smaller animals need less food, shaving dollars off your budget.

You can also save money by rescuing your cat or dog. Rescue fees are usually very low and rescue animals often come with neutering and vaccination already taken care of. You’ll [...]

By |April 20th, 2018|Tips and Hints|Comments Off on Affordable Ways to Spoil Your Pet When You’re on a Budget|

5 Times When a Payday Loan is Your Best Solution

It isn’t pleasant to think about, but we can’t always control what happens. Sometimes expenses can pop up out of nowhere and derail your financial plans. If you’re worried you won’t be able to make ends meet this month, a payday loan may be the best choice for you.

Here some reasons you might consider looking for a payday loan center near you.
5 Situations Where You May Need to Visit Your Nearby Payday Loan Center
Emergency Medical Costs
Whether it’s from an accident or sudden illness, medical costs add up quickly, especially if hospitalization is required. If you need cash quickly to take care of medical expenses, a payday cash advance can help.
Cover Basic Expenses
Even small expenses can throw off your budget. Sometimes you find that you’re completely out of money by the end of the month, but you still need to buy groceries or pay utility bills. If you can’t put these expenses off, a payday loan is your best choice.
Car Troubles
If you’re like most Americans, you use your car to get to work every day and you can’t afford to postpone auto repairs. However, mechanic bills can put a major dent in your budget. A payday loan can help you get your car back on the road.
Pay Time-Sensitive Expenses
Emergencies aren’t the only reasons to get a payday loan. Sometimes time-sensitive opportunities like special deals, rare items, or limited events present themselves. If you don’t have the money, a payday loan can keep you from missing out.
You’ve Failed to Acquire a Bank Loan
Sometimes your credit score may have been brought down by emergency debt. Although it isn’t anything to be ashamed of, it can [...]

By |February 22nd, 2018|Payday loans|Comments Off on 5 Times When a Payday Loan is Your Best Solution|

How to Save Money on Your Holiday Party This Year

Your yearly holiday party is a great time to get together with family and friends, but it can put a major dent in your budget, especially if you’re already experiencing financial issues. A tight budget shouldn’t mean you don’t celebrate. Here are some ways to throw a festive holiday bash for less.
How to Host a Holiday Party on a Budget
Postpone the Holiday Gift Exchange
It may be more difficult to capture the holiday mood in early January, but if you can put off your gift buying, you’ll be able to save big. Stores will be lowering prices and offering sales to move the extra inventory and items they weren’t able to sell over the holiday shopping season. Take advantage of these discounts and have your gift exchange later.
Have a Wrapping Party
The presents aren’t the only thing that can add up this season. Wrapping paper, tags, ribbons, and bows aren’t cheap. However, if you get together with some friends, you can spread out the cost of these supplies. Wrapping parties are also an affordable way to spend more time with loved ones.
Make it a Potluck
The meal is usually one of the most significant expenses of any party. You can decrease the food budget by asking guests to bring their own dishes. If you still want some control over the menu, assign the foods that people make. It’s also fun to let them choose whatever dish best represents them. Either way, you’ll get a great variety without the costs.
Get Creative with the Decor
Getting your home ready for the season shouldn’t have to mean spending money on expensive lights and decorations. You can create a festive feel for less [...]

By |December 12th, 2017|Loans|Comments Off on How to Save Money on Your Holiday Party This Year|

Ways You Can Spend Your Emergency Instant Loan

Even the best budgeters run into expenses they couldn’t have planned for. Unexpected costs can throw off your financial planning and make it difficult to pay your monthly bills. It can happen to anyone. Fortunately, there are options for getting your budget back on track.

Cash Fast Loan Center near Charlotte, North Carolina, offers instant loans to help pay for those sudden expenses. Here are a few of the things you can pay off with a payday or title loan.
Ways to Spend Your Instant Loan
Medical Expenses
Health issues can come out of nowhere. If you or a family member has experienced an accident or suffers from an unexpected disease, the medical bills can stack up quickly. A payday or title loan can keep medical debts from becoming a burden.
Car Repairs
Whether you use your car to get to work or for daily errands, you can’t go without it for long. That’s why most Americans can’t afford to put off major auto work. Whether you need to replace a failing part or repair your vehicle after an accident, instant loans can help you find the extra money you need.
Death Expenses
The passing of a loved one is one of the worst things a person can experience. This pain is often compounded by the costs of burial and funeral arrangements. Even if your loved one had life insurance, the costs are often greater than what you are prepared to cover.
Pay Rent or Bills
Sometimes little expenses add up, and by the end of the month, you’re short of the amount you need to pay your basic expenses. If you can’t put off any of these costs, you can use an instant payday [...]

By |September 8th, 2017|Loans|Comments Off on Ways You Can Spend Your Emergency Instant Loan|

4 Exciting Free Local Events to Celebrate Independence Day

Independence Day is a time to celebrate, but barbecue supplies, fireworks, and drinks can add up in cost. Celebrating doesn’t have to be so expensive this 4th of July. Make your holiday more affordable by taking advantage of one of the many free celebrations around Charlotte, North Carolina, and York County, South Carolina.
Save this Independence Day with These Charlotte, NC, Area Events
The Carolinas are full of free July 4th celebrations that let you enjoy the holiday without needing to drain funds. Here are a few of our favorites.
Skyshow Charlotte
July 4th, 9:30 pm

Outside BB&T Ballpark

When it comes to 4th of July fireworks, the bigger, the better. So why settle for anything less than the biggest? Skyshow in Charlotte, North Carolina, bills itself as the largest fireworks display in the Southeast, and it is truly a sight to behold. Although the best seats are from BB&T Ballpark, you can get a stunning view of the spectacle from Romare Bearden Park or one of the nearby parking lots.
Harrisburg 4th of July Celebration
June 29- July 4th

Harrisburg Park

The town of Harrisburg in North Carolina always put together an impressive 4th of July Celebration, and 2017 is their 20th year. With three days of great activities, shows, and events, there is something for the whole family to enjoy.

Although there is a pageant on the 29th of June, and plenty to do on the 3rd of July, festivities kick into full steam on the 4th. After a 9 a.m. parade, visitors can enjoy a full evening of food, fun, live music, and fireworks.
Queen City Brass Band
July 3rd, 7:30

Mint Hill Town Hall

Take in some classic patriotic music this holiday with a free concert from [...]

By |July 1st, 2017|General|Comments Off on 4 Exciting Free Local Events to Celebrate Independence Day|
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    Beat the Heat of Carolina Summer With These Tips from Cash Fast Loans

Beat the Heat of Carolina Summer With These Tips from Cash Fast Loans

In the Carolinas, summer heat can be hard to bear sometimes. It can be instinct to blast the air conditioning for a respite from the oppressive warmth. However, a well air-conditioned house comes with a high price tag.

If you’re tight on cash, you can save yourself some money this summer with these easy tips to help beat the summer heat.
Tips for Affordable Relief from Summer’s Heat in Carolina
Blinds
With the beautiful weather of a Carolina summer, leaving the blinds wide open is tempting. However, tons of heat comes in through the windows. Blocking out the sun’s rays cut the heat going through your house by as much as 45%. White blinds are the best for deflecting sunlight.
Cold Water on Wrists
You can quickly cool off most of your body by running cold water on certain specific points. These spots are close to major veins, letting cooled blood move throughout your body.

The easiest spots to reach are your wrists. Run them under cold water in the sink for several seconds when you get too hot.
Use Public Spaces
Public areas like libraries or coffee shops always have excellent air conditioning. If you’ve got some work to do, or are meeting someone, consider one of these locations.
Maximize Your A/C
Running a fan and an air conditioner at the same time can help cut the cost of cooling your home. With the fan blowing the cool air around, you can have the A/C at a much lower setting.
Cook Outside
Give your oven a break! The oven is a massive source of heat in any home. By cooking outdoors, you keep yourself from having to bring extra heat indoors by leaving [...]

By |May 12th, 2017|General|Comments Off on Beat the Heat of Carolina Summer With These Tips from Cash Fast Loans|
  • Memorial Day Cookout
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    6 Simple Ways to Save Money on Your Cookout This Memorial Day

6 Simple Ways to Save Money on Your Cookout This Memorial Day

Memorial Day is right around the corner, giving us a chance to reflect on the sacrifices made by America’s servicemen and women. This holiday also marks the beginning of the summer season and an excellent opportunity to celebrate with a cookout.

Don’t let being low on funds keep you from enjoying the weather with friends and family. Here are some tips on how to have a spectacular cookout on a budget!
Have a Great Cookout without Breaking the Bank this Memorial Day
Having fun on Memorial Day doesn’t mean you have to break the bank. Here are some tips to help you save on your cookout.
Choose Cheaper Cuts of Meat
A good way to trim money from your barbecue budget is to forgo expensive cuts of meat like sirloin steak, strip steak, or chicken breast. Going with a cheaper cut can save a lot of money without losing out on flavor.

Marinate flank steaks in soy sauce, garlic, and Worcestershire sauce for a flavorful and tender steak. A similar treatment can also help elevate a skirt steak to a delicious entree. Chicken thighs are also just as versatile as chicken breasts but are significantly cheaper.
Eat More Fruits and Vegetables
Fresh produce is much cheaper than fresh meat. Providing plenty of plant options is a good way to stretch your dollar. You won’t even need to do anything special to cook them. You can throw most vegetables and fruits on the grill.

Everyone loves grilled corn, asparagus, and bell peppers. You can also throw pineapple and peaches on the grill for a light dessert.
Make More things Yourself
When you’re in a hurry, it can be tempting to buy ready-made potato salads, barbecue [...]

By |May 4th, 2017|Tips and Hints|Comments Off on 6 Simple Ways to Save Money on Your Cookout This Memorial Day|