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Cash Advance

Cash Advances or Fancy Piggy Banks? Spend The No Interest Way

Are you one of those people who struggle during the holidays to keep within budget? Do you end up using cash advances or maxing out credit cards to make all the purchases?  Have you ever thought about starting a holiday fund earlier in the year? I know the year is well on its way; but just so you know, it is never too late to start saving, for anything. I used to love to use my credit union’s holiday and vacation clubs when I first started living on my own. I was … Continue reading

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Uncover The Fees To Home Buying – A Cash Advance Won’t Help You

When we hear about hidden costs, we tend to think about lenders who may be hiding their fees. Often times a cash advance lender or creditors are accused of doing such things, but hidden costs are also the ones that are just not talked about that much. A bank does not hide the fact that it will charge overdraft fees. It is a general rule of thumb with no major warning when opening up a new account. A short-term loan lender states the interest rate and lets a person know that the … Continue reading

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A Spring Financial Cleanup Would Payoff Cash Advances First

Have you started your spring cleaning yet? Will you be including your finances in this yearly ritual? Don’t worry, you won’t need cash advances in order to make it happen, but you may want a good paper shredder to kick start your cleaning supply list. Going paperless is not just an environmentally friendly service anymore. When there are no paper trails containing your personal information, there is less chance that someone could steal your identity. Invest in a shredder. The paper which already clutters up your desk drawers should not just be thrown away. Use online banking. You will have stored bank account … Continue reading

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Avoid A Cash Advance and Build Your Own “Pay In Full” Fund

If you budget an allowance for yourself, would you end up needing a cash advance because you can’t control your spending? We give our children an allowance to spend at their own free will, why not give ourselves one? It may help to have some “free will” money to spend in order to keep the other budgeted categories unscathed by the end of the month. Using a cash advance to pay for cost of living expenses is only a budget buster. Plan ahead and keep money aside for the extras. It ultimately boils down to control how much … Continue reading

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A Cash Advance For An Allowance? How Do You Teach Spending Power?

Are your kid’s wants driving your budget to an all-time low? Avoid the online cash advance and start teaching the young generation how to manage  money. Some parents may find that giving a child a weekly allowance is their way of giving a child money skills. More often than not, a child with an allowance is still going to tug on a parent’s arm asking, pleading or most often begging uncontrollably for something new any chance they have. Which parent are you? Buys the item just because a child makes the request? Makes the … Continue reading

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A Low Cost Cash Advance Is Not Unheard Of

How does a cash advance lender get away with promoting a short-term high interest loan as a low fee cash advance alternative financial solution? It all starts with a look into what extra costs a consumer must pay no matter what third party money is used. The most well-known fee is interest. When interest is associated with a loan advance, the last description anyone would offer is low cost. Where does the term come from? What is low cost about a cash advance? As a short-term loan is not initially placed into a low cost category, it definitely … Continue reading

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Credit Counseling Can Help End Cash Advance Cycle

According to the Pew Charitable Trusts, the average payday loan borrower takes out eight cash advances in a year and spends $525 in interest on just $375 of principal as of 2012. This shows that too many people are stuck in a cycle of using cash advances to pay off ordinary living expenses. Listen to wisdom when trying to rid your cash advance debt. When this happens to you, you may want to consider credit counseling. This is a service that will help you look at your finances and come up with … Continue reading

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A Cash Advance For A Splurge? Not In This Budget

Is there a right time to splurge on oneself? We all deserve something every now and again. If you have to use a cash advance in order to make it happen, then it probably is not a good time for something extra. Know the reality of your finances before you make your final decision. Don’t use a cash advance to treat yourself. Paying for cash to splurge does not make good financial sense. It ups the cost of the item and puts your finances at further risk. High interest loans are emergency solutions. If … Continue reading

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Once Cash Advance Debt Is Paid, Would Online Apps Help My Finances?

Do you find yourself using a cash advance or a payday loan to make your budget work more often than you’d be willing to admit? A little more planning and constant monitoring of your day to day spending would help many folks track their expenses easier. With all of the free online budgeting tools available, consumers would help themselves budget more wisely using one of these innovative tools. Keep your budget funds advance free. Why would you want to try one? Would you like to keep your banks accounts in … Continue reading

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Would You Use A Cash Advance To Purchase A Discount Coupon?

Are you signed up for one of the daily online discount coupon emails? Have you ever paid $25 for a $50 trip to a favorite restaurant or clothing store? Did you have the money or did you rely on a credit card or cash advance to make that purchase? Did you use the coupon? These deals are certainly great for those of us who have always wanted to but never thought we could afford it. It also helps those of us who frequent the store or restaurant it brings a savings to monthly spending. Everybody wants … Continue reading

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