Extra Cash

How to Ensure You Have Cash When the Holidays Come Around

Every year, you might find that money is tight during the holidays. Keeping decent savings for emergencies and gifting or leisure might seem like a daunting task, but there are tried and true ways to ensure that you’ll be able to afford gifts this season.

Budgeting for the Holidays

Budgeting, at its core, is simple math and planning. Even when money is tight, there are many budgeting tips to help keep you on track financially, even during the holiday season.

The 50-30-20 Rule

First, figure out your income after taxes. If you pay taxes throughout the year, that’s great. You will likely be eligible for a refund during tax season. If you don’t, make sure you’re setting aside money frequently, so you don’t face financial strain later.

Once you know your income, a great practice is the 50 30 20 rule. Start by writing down all of your expenses, organized in categories of needs versus wants. The Needs will be payments towards rent, utilities, internet/cable, travel (parking, gas, car payments, train fare, etc.), groceries, insurance. Your needs should equal 50 percent or less of your income. If over 50 percent, consider places you can cut back. Be mindful about where you shop for groceries and what you buy. Junk food is expensive. Contact your loan servicer to discuss loan payment reduction opportunities.

Needs Versus Wants

Anything else is a want, and this can account for as much as 30 percent of your income. A budgeting tip to always keep in mind is: how can you reduce spending in this category? Can you get rid of subscriptions, cut spending on coffee and restaurants, or alter your lifestyle to benefit your bank account?

Savings

The last 20 percent (or more) should be saved. If you [...]

By |September 21st, 2020|Tips and Hints|Comments Off on How to Ensure You Have Cash When the Holidays Come Around|

How Payday Loans Can Help In An Emergency

It’s normal for some people to find themselves short of cash towards the end of the month. Sometimes an unexpected expense happens. It becomes embarrassing to borrow when people know you have a job. If you ever find yourself in this situation, a payday loan might be just what you need. A quick payday loan saves you from the shortcomings of having to borrow from friends and relatives. For any of your financial emergencies, payday loans always swoop in to save the day. Below are different ways on how payday loans can help you out in a crisis.

Flexible Repayment Schedule

Taking a payday loan doesn’t mean all your financial troubles are over. While it might take you some time to get back on your feet, the payday loans will help push you out of a financial hole. The lender understands your situation, and this is one reason the payday loan comes with a flexible repayment plan. It’s upon you, the borrower, to schedule a payment offer that will stretch and cover the troubled times.

Quick Cash

When financial emergencies arise, quick cash is the only thing that can help you out. With payday loans, you receive money on the same day, depending on the amount and the terms for the specific money lenders. Some directories offer information about different lenders and their terms and conditions as well.

No Need to Worry About Credit Score

With payday loans, you only have to be worried about the terms and conditions of the lender. You don’t have to be bothered about your bad credit score. Payday loan providers only take into consideration the repayment plan. The lender doesn’t mind if you have a low or bad credit score as long as you [...]

By |August 17th, 2020|Payday loans|Comments Off on How Payday Loans Can Help In An Emergency|

Why Use A Direct Payday Loan Lender

Surviving paycheck to paycheck is never easy, but it is hard for many people and families. However, in the event of an emergency, anyone may find themselves strapped for the funds they need to resolve the crisis without falling into financial ruin. In such a crisis, a stopgap measure may be the difference between financial safety and disaster. In such situations, payday loans from a direct payday lender might do the trick.

Why a Payday Loan?

Payday loans are fast ways to get a quick financial stopgap in the event of a financial emergency between paychecks. Working with a direct payday lender is a fast and easy way to cover emergencies since banks or third-party lenders do not handle them. Those in need of a payday loan can get them fast without agonizing over bad credit or long bank delays.

There are other benefits to direct payday loans as well. For one, repayment of the loan is just as easy as getting the loan itself. This ease is because, just like the payday loan comes directly from the lender, payment is also direct. As a result, the loan process is quick and easy. Payday lenders often respond to loan applications with a day, rather than days or weeks banks or loan companies can take. For money needed in a hurry, this makes payday loans ideal for those who require cash fast.

Payday loans also utilize far less personal information than traditional loans. Payday loans do not increase the risk of identity theft or having private data sold to advertisers. Banks and other third-party lenders are notorious for selling such information, and being unable to keep it secure from identity thieves.

Contacting payday lenders is much easier than dealing [...]

By |August 3rd, 2020|Payday loans|Comments Off on Why Use A Direct Payday Loan Lender|

Traditional Banks Vs. Payday Lenders

People in difficult financial situations—including those with bad credit—typically endure an uphill battle in finding viable financial solutions. In such cases, the most common options for short-term loans are payday lenders or traditional bank overdrafts.

Unfortunately, consumer advocacy groups tend to paint payday lenders as the bad guys due to their high-interest rates for payday loans. But by looking at financial data, this criticism is more-or-less unwarranted with what banks charge for overdrawn accounts.

The Hidden Truth of Traditional Bank Overdraft Fees

A rarely discussed topic among consumer advocacy groups is traditional banks raking huge profits from unscrupulously high fees on insufficient funds. According to data from the Consumer Financial Protection Bureau (CFPB), banks make more than $17 billion annually from insufficient funds and overdraft fees.

Unless consumers take an active initiative to monitor their bank accounts consistently, insufficient fund fees can quickly add to exorbitant amounts. For example, let’s assume that a bank charges an average fee of $35 for every transaction that exceeds the level of funds in a checking account. A slight $10 overdraft could result in a $35 NSF fee, equating to an interest rate of 350% (per transaction).

To make matters worse, news reports—and even lawsuits—suggest that some traditional banks purposively manipulate the system to claim more overdraft fees. The prevalence of these overdraft practices is reiterated by articles appearing in Forbes and ABC News. The subject of burdensome overdraft is even touchier today amid the COVID-19 crisis as banks capitalize on unsuspecting account holders to make huge profits.

The Less-Discussed Benefits of Payday Loans

Contrary to traditional banks’ overdraft facilities, payday loans are structured to be transparent and upfront with their fees. Sure, the interest rates may be higher than the average APR of credit [...]

By |July 20th, 2020|Payday loans|Comments Off on Traditional Banks Vs. Payday Lenders|

Payday Loans and Other Tips to Help You Stretch Your Budget

It can be difficult finding the money for all your expenses in tight financial times, but if you find yourself short at the end of most months, you may want to reconsider the way you budget. Here are a few tips you can use to stretch your monthly budget further.

If surprise expenses have affected your ability to pay for budget necessities, you may also be able to get some extra help with a payday loan from Cash Fast Loan Center in Gastonia, North Carolina.
Payday Loans and Other Ways to Make Your Budget Go Farther
Prioritize Expenses
At the start of each month, it is important to sit down and settle on financial priorities. Before you spend a penny, decide which of your monthly expenses are the most important. This list should have housing, utilities, and food at the top. These expenses should ideally fall just under 50% of your income. When these costs are taken care of, spend about 20% of your income on debt. Whatever money is leftover can be spent on entertainment and other discretionary expenses.
Set Aside Money for Necessities
Once you budget out your high-priority payments, pay them immediately. If you can’t pay early, set the cash aside in an envelope. This puts this money out of play while you spend on wants through the month.
Make Allowances
Split the money you have leftover further. Set aside as much as you’re comfortable with to go into a savings account. The rest can go towards whatever you want to spend it on. If you’re can’t manage to save any money, you may need to examine your buying habits to see if there are places you can spend less.
Track [...]

By |October 27th, 2017|Payday loans|Comments Off on Payday Loans and Other Tips to Help You Stretch Your Budget|

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|

Payday Loans and More Easy Ways to Make Cash in Charlotte

Low on money between paychecks? Don’t let unexpected financial issues keep you from meeting your monthly expenses. Take advantage of some of the great side jobs available around Charlotte, North Carolina, to help lighten your money problems. If you’re still low on cash, consider an easy payday loan from Cash Fast.
Payday Loans and Other Easy Ways to Make Money Around Charlotte, NC
Pet Sitting
Plenty of people are looking for supportive homes to keep their pets in while they travel. Pet sitting isn’t just easy. It also lets you spend time with cats and dogs without the perpetual chores associated with owning and training them. Some pet owners are even willing to pay for people to walk their dogs.

Consider working with a pet sitting company like the Waggle Company or becoming an independent sitter.
Participate in Clinical Studies
Plenty of scientists, doctors, and researchers are looking for willing volunteers to serve as subjects in studies. Many of these researchers are willing to pay. Don’t think taking part in experiments is dangerous or involved. They may only need you to come in for a few examinations.
Drive for Uber or Lyft
The great thing about driving for Uber or Lyft is the convenience. Drivers can make their own schedules, and drive when they’re able. You can drive as often or as little as you can. All you need is a car and a smartphone.
Take Surveys
You don’t even need to leave the house to make extra money. Plenty of websites pay you to take online surveys. Complete a few surveys while you sit and unwind from work. The money adds up fast.
Food Delivery
Food delivery is a great weekend and evening [...]

By |August 9th, 2017|Loans|Comments Off on Payday Loans and More Easy Ways to Make Cash in Charlotte|
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    How No Credit Check Payday Loans Can Help You Get Quick Cash

How No Credit Check Payday Loans Can Help You Get Quick Cash

If you’re running low on money between paychecks, it can be stressful figuring out how you can pay bills and take care of expenses. You might even run the risk of missing payments. Fortunately, there are ways you can put off these problems and get together some quick cash without a credit check.
No Credit Check Payday Loans and Other Ways to Overcome Financial Problems
Ask Friends or Family for Loans
Most loved ones will be willing to lend a helping hand. Make sure to pay your family or friends back as quickly as you can to avoid any strain on the relationship. One way to make your loved one confident you’ll pay them back is to offer a valuable item up as collateral. Writing out a contract also gives those you care about the guarantee you will pay them back.
Put Off Expenses
When you’re running low on money, you need to prioritize. Make a list and decide what is most important. Take care of essentials like food, housing, and energy first, then budget out the rest of the payments. Even though it is difficult, you may need to cease services like satellite or forgo travel until you’re in a better financial situation.
Rework Payment Plans
Consider contacting the companies you owe money to, and asking them to re-work your payment plans. You’ll be surprised how reasonable most of the companies are willing to be. This gives your budget some breathing room.
Sell Items You Don’t Need
Parting with old possessions can be difficult. However, if you’re low on money, finding some quick things to sell can help you get some extra cash. eBay is a great place to find buyers for almost [...]

By |August 2nd, 2017|Loans|Comments Off on How No Credit Check Payday Loans Can Help You Get Quick Cash|