Author Archives: Kristy Lamar

Online Payday Loans or Open Financial Discussions?

Posted on November 12, 2019 by Kristy Lamar

People who are afraid to talk about money may find themselves deeper in unnecessary debt than those who will discuss financial troubles. Could it be that they don’t know anyone who they feel comfortable speaking to? Maybe there is shame involved, and keeping it locked inside makes it more convenient to live with. It’s tough to hide money problems in the closet with all of the other skeletons. You can avoid going into a closet, but it is much tougher to ignore a struggling bank account. How do you … Continue reading →

11 Personal Finance Steps for Those Pushing 40

Posted on March 19, 2014 by Kristy Lamar

By the time the average person reaches the age of 40, there have been significant milestones reached. Most are homeowners, have a career, married and had their children. At this point, they are definitely thinking about the future decades in life. To be more specific, personal finances. Emergency fund – If there isn’t one already set up, now is the time to make it happen. Without money set aside for unexpected costs, people turn to credit cards or worse yet, payday loans. Going into the second phase of your life … Continue reading →

Posted in Personal Finance | Tagged invest in your future, money help, personal finances, retirement account, Spotya!, Spotya! online cash advance |

Is it time to let yoru budget control your shopping?

Tips to Track Expenses: Get A Handle On The Budget

Posted on March 18, 2014 by Kristy Lamar

Extra expense tracking may help steer your budget demands away from an online cash advance dependency. When you take out more than a few short-term loans each year, you will want to start finding a solution right away. Instead of paying the direct lender finance charges, you will keep that money for yourself. How do you back track? You start with old bank statements and any receipts you still have kicking around your purse, wallet, counters or desk. Highlight all checks, debits or withdrawals that are not associated with regular bill … Continue reading →

Posted in Budgets | Tagged budget, budget problems, Cash Advance, credit debt, debt problems, tracking expenses |

Budget Tip For Graduates: Look Ahead When Managing Debt

Posted on March 18, 2014 by Kristy Lamar

Young graduates are not looking to get stuck with bed debt problems. Unfortunate, many are. Coming out of college in their early 20’s, graduates face tens of thousands of dollars’ worth of student loan debt without the promise of a high paying job. How many of these same graduates fell into credit card debt as well? According to a CNN survey, the average student leaves college with $35,500 in government, family and personal private loans. It also includes about $3000 of credit card debt. That’s a tough starting position to … Continue reading →

Posted in Budgets | Tagged alternative short-term loans, bad credit, budget, building savings, graduate debt, money management, money tips, payday loans, saving for retirement, student loan debt |

What Is An Online Cash Advance Affordability Check?

Posted on March 17, 2014 by Kristy Lamar

It would seem obvious that just about every applicant who applies for a cash advance online has some sort of money trouble. Is it safe to say that all people who need a fast cash advance cannot afford to get one? The answer seems clear as it is supported by endless stories of financial. On the contrary though, the loans are affordable if used correctly. Can you afford not to use a short-term cash advance? When looking at affordability, you have to look beyond the final cost. It is safe … Continue reading →

Posted in Cash Advance | Tagged best practices, Cash Advance, cash advance affordability check, hidden fees, online cash advance, predatory lending practices, Responsible cash advance lenders |

Is Bad Credit Keeping You Attached to Payday Loan Money?

Posted on March 17, 2014 by Kristy Lamar

Do you know what is important to you? Many of us get trapped into thinking that we need so much when in reality much of it is unimportant. What we thought we couldn’t live without ends up in the back of the closet or in the garage waiting to giveaway or sell. How many payday loans online were used in the meantime to make ends meet, cover emergencies or even increase your purchasing power? The need for alternative money is a result of bad credit. It’s not like you have … Continue reading →

Posted in paycheck loan | Tagged alternative money, bad credit, Direct Payday Lender, no credit bureau check loan, Payday Loan, short-term loan |

5 Questions to Ask Before You Try for a Payday Loan

Posted on March 14, 2014 by Kristy Lamar

Being able to apply for an online payday loan advance and pay it back properly are two different stepping stones. Not everyone gets approved for the fast cash loans. With that said, it is also true that not everyone who gets a loan can actually pay it back on time. The added cost to loan extensions is often cost effective in comparison to what not borrowing would accomplish. Most of the time, this cost only increases financial problems. It is very important that you ask yourself some important questions before you apply. … Continue reading →

Posted in Payday Loan | Tagged debt cycle, paycheck advance, payday advance, Payday Loan, payday loan advance |

4 Steps to Payoff Cash Advance Debt and Recover

Posted on March 14, 2014 by Kristy Lamar

No matter what your reason was for using a fast cash advance, you now have the debt to pay back. Not only will you pay back the initial loan but the finance charge that comes along with convenient money. At this point, there is no need to make up excuses or try to justify the reason why you did, whatever it was is now in the past. Right now, you only have to deal with the getting it paid as quickly as you can. 1. Make a resolution to yourself … Continue reading →

Posted in Cash Advance | Tagged Cash Advance, cash advance debt, debt payoff plan, debt recovery, fast cash advance, money management, online cash advance |

7 Discussion Points to Address Budget Change with a Spendaholic

Posted on March 13, 2014 by Kristy Lamar

How do you go about changing a spendaholic’s ways? If you have come to realize how money habits are negatively affecting the household budget, the biggest hurdle is over. Acceptance is a difficult part of the task to improve money matters. If it is your partner’s bad habits that are creating a problem, the problem is much bigger. It will take thought and good communication skills to get over the first hurdle; get your partner to accept that there is a problem. No one wants to be told what to … Continue reading →

Posted in Budgets | Tagged budget, correcting budget problems, Discussing finances, making budget changes, personal finances, shopaholic, shopping problems |

Break habits that put your personal finances at risk

Structure Your Personal Finances to Break Bad Habits

Posted on March 12, 2014 by Kristy Lamar

How can you structure your personal finances in order to prevent any more debt build up? We live in the land of consumer freedom. We have everything at our fingertips and plenty of ways to make it happen; buy online, home-delivered goods, extended payment plans, immediate credit opportunities and fast cash loans. Each day brings new spending opportunities on top of what we had the day before. We live in a never ending spending opportunity world. Most of us got lost and forgot what it is like to go without. … Continue reading →

Posted in Personal Finance | Tagged budgets, lower debt, personal finances, spending plan |