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Payday Loans: Regulation Perspective

Posted on June 17, 2012 by Kristy Lamar

There are many aspects to our lives which are regulated by the government. Every now and then there are new crazy ideas by some politician to control one more aspect of our lives. Just the other day on the radio, I heard about a mayor trying to regulate the size of sugary beverages that can be purchased. I personally don’t think that one will go very far, but maybe the regulation should be on how much it truly costs to buy that jumbo soft drink. The idea of paying three dollars or … Continue reading →

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Bank Loans: What Is Required?

Posted on June 16, 2012 by Kristy Lamar

When applying for a bank loan, the better prepared you are for your meeting with the banker, the easier it will be going through the application process. There are some key items which banks will be looking for and you want to avoid mistakes providing them. It all begins with your credit report. Read through your credit report says and know what the information means to a possible lender. If you have negative marks on your report, be prepared to have reasons which will justify your errors or wait till you have six months clean of any negative remarks … Continue reading →

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Safeguarding Records: Protect All Documents

Posted on June 15, 2012 by Kristy Lamar

Did you ever think about how to recover once a natural disaster strikes? Have you thought about what kinds of documents would be beneficial to have safeguarded for emergencies? Whether you may live in an area susceptible to tornadoes, hurricanes, earthquakes or hazardous fires you will want to have important documents protected. What kinds of documents would this pertain to? The IRS would like for all taxpayers to keep returns forever, but a good number to follow would be for seven years. These documents should be kept in two forms and in different safe … Continue reading →

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College Debit Cards: Fees Eating At School Funds

Posted on June 14, 2012 by Kristy Lamar

Debit cards work great if handled correctly. They offer easy access to money in your account without the worry of long-term payments. Keep track of account balance and a keen sense of how much is being spent to avoid any fees associated with debit cards. Bank overdraft fees are pricey. Their convenient status have them filtering into the lives of college students. Banks and colleges have teamed up to offer students easy access to their college funds. Campus debit and pre-paid cards are being offered to those students receiving student … Continue reading →

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Safeguard Your Budget: Make Your Own Cleaning Supplies

Posted on June 13, 2012 by Kristy Lamar

When it comes to saving money, being frugal can come in handy. Frugality does not mean you have to go without, but more like being smarter with the everyday choices you make. My shopping bill always goes up when it is time to replenish the household cleaners. What I would normally spend at the store increases by $20 easily, if not more, because of these items. There are less expensive ways to keep your home areas clean. You can make your own cleaners in reusable dispensers. Your initial expense to purchase the ingredients and containers will … Continue reading →

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Budgets: Prioritize Healthy Foods

Posted on June 12, 2012 by Kristy Lamar

At Spotya.com, Payday Loans and Cash Advances are at the core of what we do. We are here to support our present and future customers if  ever in a short term financial jam. Our purpose goes deeper than just providing  online  payday loans or cash advances. Our office has a passion for good health and we want to extend that passion to not only our customer but anyone that desires a healthy life style. We also understand that good health can come at a monetary price, so finding ways to … Continue reading →

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Debt Increase: Overview Of The Problem

Posted on June 11, 2012 by Kristy Lamar

Americans are fighting with debt and the outlook does not look like it will present itself with instant relief for those people. Jobs are becoming increasingly harder to come by as a greater number of people enter the work force than there are new job openings. During the month of April, mortgage servicers reported that over 63,000 loans, which are backed by the Federal Housing Administration, had foreclosure proceedings started against them. These  fallen loans are those that had been funded during  2008 and 2009. It is uncertain whether or not it is a beginning of … Continue reading →

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Saving Money: Save A Little…Save A Lot

Posted on June 10, 2012 by Kristy Lamar

Using money saving tips everyday will be saving you handfuls of change or even a few dollars at a time. Put all these savings into a bucket and your total will be shockingly large by the end of the year. Let’s take a closer look at a few specific ways you can save money. Do you stop for coffee in the morning? Depending on your coffee order and whether or not it may include a croissant or pastry, you could be spending up to $3-$5 each work day. Based on … Continue reading →

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Financial Stresses Linked To Health Problems

Posted on June 9, 2012 by Kristy Lamar

Medical professionals have been warning people for many years to de-stress their lives in order to prevent medical issues. Financial stresses have emerged as a major concern for the medical field as more and more patients are showing signs of stress related symptoms. Health problems are now being linked to financial stress.  There are many financial problems lurking in many American households. Whether it is with the rise in food, gas prices, mortgage problems, or difficulties keeping up with debt; the effects of financial stress are emerging into depression, sleep disorders and anxiety. … Continue reading →

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Bankruptcy:Defining The Difference Between Chapters 13 And 7

Posted on June 8, 2012 by Kristy Lamar

When debt is bad enough and no other option is available to you, the next serious step to inquire about is bankruptcy. This decision is not to be taken lightly as it has some serious consequences that goes along with it. To begin this process, you will need to hire a lawyer. When you do choose a lawyer, you will be expected to pay upfront costs. Be aware of the money involved with the procedure, the time it will take, any requirements that may be expected of you, and the price … Continue reading →

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