Author Archives: Kristy Lamar

5 Smart Financial Decisions For Your Budget

Posted on March 12, 2014 by Kristy Lamar

Too many people give up on their budget when money becomes overly structured. When there isn’t enough room to breathe or have some fun, the budget falls wayside. What are we all juggling? Let’s see, we have to make time for work, family and fit in sleep? We eat and drive, change in the car and pay bills from our phones. It’s hard to keep up with the demands of a budget unless smart financial decisions help simplify our finances. 1. Don’t think about saving money, just do it. Set … Continue reading →

Posted in Budgets | Tagged budget, direct deposit, money management, saving, shopping strategies, smart finances, smart shopping |

What Would You Do To Motivate Budget Success?

Posted on March 12, 2014 by Kristy Lamar

Don’t let your budget go stale. It takes more than making a budget to make financial progress. It is a carefully laid plan filled with details and direction. You can’t let a budget run itself and that is where many folks fail. Here’s the real deal. A budget needs you. It can’t start on its own nor can it run itself without your help. If you can’t make a visit to your financial books at least once a month, your finances are in trouble. Make a plan to motivate yourself … Continue reading →

Posted in Budgets | Tagged budget, budget plan, emergency savings account, limit debt, money management, pay down debt |

Will A Food Budget Tool Help Save Money?

Posted on March 11, 2014 by Kristy Lamar

Have you ever heard of the saying, “spend a nickel, save a dime?” In a budgeting world the focus is always to cut back and cut out extra expenses. How does this saying fit into a budget? Dave Ramsey is always full of good money saving ideas to get people’s finances back on track. Not only is it his mission to help others, but he is passionate about finding tools to help them achieve success. It is not an unknown fact that food costs are one of the biggest budget … Continue reading →

Posted in Budgets | Tagged budget tool, budgets, cutting cost, Dave Ramsey, emeals, food budget, meal plan |

5 Ways Your Finances Can Benefit From Credit Card Use

Posted on March 10, 2014 by Kristy Lamar

Credit cards will claim the demise of many household finances with long-term debt to plague family budgets. The cards are easy to use and difficult to manage. Some people give up using the cards in order to maintain a good budget. This action hurts their credit score in return. People need to learn how to use credit cards to their advantage without suffering from money loss or lowered credit scores. If they are so difficult to manage, why are credit cards good to have? 1. Revolving credit differs from installment … Continue reading →

Posted in Personal Finance | Tagged budget, Cash Advance, credit cards, fast cash advance, money management |

Budget Tips: Find Ways to Better Manage Your Money

Posted on March 10, 2014 by Kristy Lamar

When your wallet is tight, it is time to scale back the budget. Fixed expenses are not the easiest to pare back on unless you downsize your home. Discretionary spending is the perfect place to start. There is a lot of wiggle room with money spent on costs above and beyond what you need to survive. With one significant change, a wallet will loosen up to a more comfortable spot. If several changes are made money worries will remain in the past. Where can you make cutbacks to support a … Continue reading →

Posted in Budgets | Tagged alternative money, budget tips, budgets, credit card debt, money management, Payday Loan, spending haits |

Tips to Control The Baby Budget

Posted on March 9, 2014 by Kristy Lamar

As families grow, so do household costs. A new baby comes into the world with a major price tag attached to the little body especially if it is the first born. Parents feel the need to have this and that and budgets get blown apart. There is a lot of planning which must be done, but there are ways to save money during this exciting time. Give your budget time enough to adjust and recover during the first years of your baby’s life. For those who live in a small … Continue reading →

Posted in Budgets | Tagged baby gear, budget, budget control, control spending, money management, tips to curb spending |

Stop using predatory cash advance lenders

Quick Study Shows How Bad Some Cash Advance Lenders Can Be

Posted on March 7, 2014 by Kristy Lamar

Why would a cash advance lender care about how many other short-term loans an applicant was currently paying for? They don’t care about credit card debt, car payments or a house mortgage and if they did, there would be a credit check. There isn’t one. It is a saving grace to credit challenged customers. Do payday lenders even care if a customer uses other direct lenders? Some do. There was a study done in England to find out whether or not payday companies would approve a loan with several others … Continue reading →

Posted in Cash Advance | Tagged bad credit lender, Cash Advance, cash advance lender, direct lender, fast cash advance, payday lender, Payday Loan |

Why Will Tracking Expenses Help My Budget?

Posted on March 6, 2014 by Kristy Lamar

Most people know how much money they earn every month. They know when the money is placed into the bank account and they know how to use it. There was never a need for financial classes to understand that piece of the budget. Troubles usually stem from money leaving the account. Bills are paid each month and the rest goes where? If you don’t know where all your money goes each month, you may waste more money than you realize. -Trips to the coffee shop -Shopping off your grocery list … Continue reading →

Posted in Budgets | Tagged budget, budget priorities, cash advances. alternative money, cut backs, money management, smart shopping |

Cash advance lenders attract new customers

What Drove Cash Advance Loans Into Middle-Income Earner Households?

Posted on March 6, 2014 by Kristy Lamar

The struggle to find emergency money has helped to evolve the cash advance industry into a booming business. Direct lenders began to stretch their customer base by offering online loans. They didn’t stop there. New terms and conditions to blend a short-term loan with installment loans reached out to even more new customers. The drive to improve service continues. An industry that had once focused on low-income customers now set their sights on helping all credit challenged people. Cash advance companies had help. The surge of credit card use in the … Continue reading →

Posted in Cash Advance | Tagged alternative money, Cash Advance, credit challenge help, direct lenders, no credit bureau check loans, online cash advance, short-term loans |

Control You Savings With Automatic Transfers

Posted on March 5, 2014 by Kristy Lamar

Are you ready to break bad money habits? Some spending habits are easier than others to break and then re- build. One of the hardest habits to build is a saving one. As you cut back on spending, you should allocate the extra cash towards a savings account. It doesn’t happen without effort, but you can save more than you think if you set up an automatic transfer. There is not much involved in setting up automatic savings deposits. If you have not already signed up for online banking, now is … Continue reading →

Posted in savings account | Tagged automatic transfers, debt, money management, online banking, savings, savings account, transfer |