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Over The Top Birthday Celebrations

Posted on March 20, 2012 by Kristy Lamar

In some families, it is almost a contest to see who can top who with the children’s birthday celebrations. I’m pretty glad that I live out of state so that I do not have to keep up in the running with my two children. I did take my son to a birthday party a few months back when I over heard the mom talking about spending almost $1000 on the party. I just sat there and imagined what I could do with that kind of money. I do know it wouldn’t … Continue reading →

Sunday Budget Tip #3

Posted on March 18, 2012 by Kristy Lamar

#3 Energy Savings When the light bulbs go on in your home, are you saving money? Replace old bulbs with new more energy efficient ones. Get in touch with your energy company or look to your state government assistance program if you are a low income household. There are applications to fill out for assistance that can lower your energy bill. I know in California there is a program that can lower your bill by 20%. It doesn’t hurt to fill out the application. The worst they can say is … Continue reading →

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Protect Yourself

Posted on March 16, 2012 by Kristy Lamar

Have you ever been on the lender end of someone you know looking for financial help? Did you give them what they needed or what you could afford? Borrowing and lending within personal relationships creates a shaky line between trusting their word or having some sort of contract. I’ve seen it done both ways, and one thing I have learned is that there needs to be full communication from the beginning. What happens when the other party cannot fulfill their end? That is when a business has an advantage to work at getting repaid. All I can say … Continue reading →

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Stretching your Budget

Posted on March 13, 2012 by Kristy Lamar

With the prices food so high, it sure is difficult to stretch your grocery budget nowadays. Food that is healthy has a much higher price tag. It makes keeping a healthy balance for your family that much more of a challenge. Some people have a grow it yourself option. Having a yard and living in an area with a longer growing period can cut down costs. Growing what you can and canning/freezing for the off season is how I grew up. Not everyone has this option though. Cutting down on restaurant conveniences … Continue reading →

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Low Cost Recipe to Help Your Budget

Posted on March 12, 2012 by Kristy Lamar

Spotya! Cash Advance would like to share a low cost recipe that might just help your budget planning. As with any recipe, you can put in your family’s favorite meats and vegetables. This recipe ends up being about $1.50 per serving. This recipe comes from Anne Coleman (aka Short Order Mom). Lasagna Wannabe 1 pound cooked elbow macaroni (any small pasta will do) 1 pound of your favorite meat ( beef, chicken, sausage, Ground turkey or tofu crumbles) 1 jar (26 ounces) Pasta Sauce, fresh works too! grated Parmesan cheese -(you … Continue reading →

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Sunday Budget Tip #2

Posted on March 11, 2012 by Kristy Lamar

Today, we will be discussing groceries with Tip #2. Groceries are an expense that has to be budgeted, but the amount you spend fluctuates. The more steady you can make the weekly average, the easier it is to budget. This is also an area that can be cut down if you are willing to do some leg work. If you live in an area that has more than one grocery chain around, you can take advantage of the weekly competitive sales. There are also coupons to be used. Buy items … Continue reading →

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Fluctuating Work Hours

Posted on March 9, 2012 by Kristy Lamar

Do your hours at work fluctuate? It is tough to keep a working budget when some weeks you work 30 hours and other weeks you get 40? Working with fluctuating hours makes for a budget that gets spread throughout the month. Maybe your hours get affected when you do not have sick days to cover being home with the flu. A cash advance is an option for you to get some fast money when your paycheck varies from one week to another. Making payments on time is crucial in safekeeping your financial … Continue reading →

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Your Information Under Locks

Posted on March 6, 2012 by Kristy Lamar

The Internet provides ways to share information back and forth. If you are working with a website that has a picture of a lock showing in the URL, the information that you are sharing is under lock and key…safe and secure. Like banks who take security measures, online banking does the same. Online cash advances are a form of online banking and that security lock is just as important. Personal information is going only to the receiver. Seeing that lock in the URL while you are filling out forms will … Continue reading →

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It’s Friday!!

Posted on March 2, 2012 by Kristy Lamar

We have another weekend before us. Gotta get through today. Do you have any plans? It would be interesting to know how many people have made plans prior to the start of the weekend and then change them once the weekend gets up and running. I’m sure a lot. I know I try to make plans and end up doing chores around the house all day and get lazy to go out at night. House chores are my money saver, but not much fun. I try to budget my extra curricular activities with money I save … Continue reading →

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Money Tree Option

Posted on March 1, 2012 by Kristy Lamar

It is instilled in our heads from an early age, that when there is an emergency you dial 911. Where do you go for a cash flow emergency? There are many problems than can cause a budget to need some emergency cash. Wouldn’t it be great if there was such a thing as a money tree? My mom used to joke about money trees when we were young. Every time my brothers and I asked for stuff we really didn’t need, she would answer that the next time she picked from the … Continue reading →

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