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Payday Loans and Cash Advances: 10 Things to Consider Before You Sign

Posted on June 6, 2012 by Kristy Lamar

There are countless of avenues to turn to with getting assistance with your finances, but not every avenue  will lead you in the proper direction. Risking your hard earned money by not fully understanding the road you are on will not support a working budget. In this day and age, most families are struggling to keep up with all the financial demands of running a household while maintaining a way of life for the family. Cutting out expenses can help keep the budget to stay on task, but sometimes, emergency costs … Continue reading →

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Debit Cards: How Do They Work?

Posted on June 5, 2012 by Kristy Lamar

Debit cards are becoming more popular as they are {frequently|often|} being used as a replacement for filled credit cards. These cards often come attached with a major credit card logo, allowing them to be used with a personal identification number (PIN) or charged like a credit card. The major difference between this type of debit card and a regular credit card is that the price for which you charged will be treated just like a check. Sometimes the amount will be deducted automatically while others may take a few days to go through, … Continue reading →

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Debit Card Safety

Posted on June 4, 2012 by Kristy Lamar

Be aware of some drawbacks to using your debit card. For starters, there are some circumstances when merchants will place a temporary hold or block on money in your account which can last a few days. What does this mean to the card holder? It means that the merchant has taken a precaution to protect the charges you have or may have charged by placing a block on a certain amount in order to reserve room for any additional spending on your part. Examples of blocking by a merchant: You … Continue reading →

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Debt Problems: Help for the Elderly

Posted on June 3, 2012 by Kristy Lamar

There continues to be a rising problem concerning the debt of the elderly. As cost of living expenses rise, the elderly are using credit cards to help make ends meet. Pensions do not rise and Social Security has barely risen more than a percentage, which leaves very little room to take care of rising costs without using credit cards or draining savings accounts. There are a third of retired people utilizing Social Security as 90 percent of their income. This reflects upon the serious problem with debt and the elderly. Credit cards are becoming … Continue reading →

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Student Loans: Collections Differ from Other Unsecured Loans

Posted on June 2, 2012 by Kristy Lamar

Loans fall into two categories, secure and unsecured. A secure loan is money which is tied to property such as a home or car used as collateral. This practice gives the lender more security. If you do not pay the lender back, your property will be seized. An unsecured loan does not use property for security, rather, it is based on your credit history and good faith that the money will be repaid. Lenders of unsecured loans scrutinize the applicants more closely because of the risk involved. Student loans fall under the unsecured loan definition as … Continue reading →

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Budgeting with Comparison Shopping Tools

Posted on May 25, 2012 by Kristy Lamar

Budgeting has become a way of life for many hard working people. Everyday costs continue to rise at a much greater rate than income. The demand for fuel, food costs and utility charges are making budgeting additional costs an even harder job. When it comes to making purchases other than the basic necessity items, comparative shopping has become essential. Comparative shopping is defined as: gathering prices and reported information on the quality of each item in the given category by different manufacturers and examining the findings before making the purchase. … Continue reading →

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Payday Loan Budget Tip # 12

Posted on May 20, 2012 by Kristy Lamar

Spotya! Payday Loan wants you to know that Best Buy now accepts video game and electronic trade-ins for store credit. Other stores may do similar with some products that they sell, but having such a large nationwide store offer this service, there will be many more people taking advantage of the trade-in offer. If you are looking to purchase something new, instead of putting them in a closet or selling them for cheap at a garage sale and it is still in working order and good condition, you should bring it into the store … Continue reading →

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Fees for Debt Relief

Posted on May 18, 2012 by Kristy Lamar

When you shop in the stores, you can find the price for items by looking at the price tag. If for some reason the price tag is not found on the item, you ask or find a set price check scanner within the store. I want to know the price for the item before I pay for it. The price needs to combination the quality to make me happy. When you are searching for help with your debt, there are fees for the services and as with any type of shopping, you … Continue reading →

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Debt Settlement Program Problems

Posted on May 15, 2012 by Kristy Lamar

Debt settlement companies are presenting lies in their pitches to consumers.  The Federal Trade Commission (FTC) has brought suit to over a dozen debt settlement companies for such lies that prey on consumers who are searching for answers with their burdened debt. Debt settlement companies who claim to be non-profit but actually are using this ploy to get the customer to trust their company over another. Other companies omit discussing their fees all together or try to present it as no fee or low fees. The  FTC mandates that debt companies explain their fees … Continue reading →

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Payday Loan Sunday Budget Tip # 11

Posted on May 13, 2012 by Kristy Lamar

Sunday Budget Tip # 11 from Spotya! Payday Loans to help keep your spending budget friendly. Shop the clearance racks smartly. Many stores will put their clearance items on sale and offer coupons for an extra percentage off and during those times, it is great to go shopping. So often, items get pushed to the clearance racks in order to make room for new product delivery. Knowing when you favorite stores have their deliveries scheduled will give you an idea as to when to start looking. Save money and time when shopping smartly. … Continue reading →

Posted in Help with Debt, Money Saving Ideas, Payday Loan | Tagged , , |
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*THE OPERATOR OF THIS WEB SITE IS NOT A DIRECT LENDER. It does not broker loans to lenders and does not make short term cash loans or credit decisions. This Web Site does not constitute an offer or solicitation to lend. This site will submit the information you provide to a direct lender. Providing personal information on this Web Site does not guarantee that you will be approved for a short-term cash in advance loan. The operator of this Web Site is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. Not all direct lenders can provide up to $1,000. Cash transfer times may vary between lenders and may also depend on your individual financial institution. In some circumstances, faxing may be required. This service is not available in all states, and the states serviced by this Web Site may change without notice. For details, questions or concerns regarding your short-term cash loan, please contact your lender directly. Payday loans online and/or cash advance loans are meant to provide you with short-term financing to solve immediate cash needs and should not be considered a long-term solution. Residents of some states may not be eligible for a payday loan online based upon lender requirements.

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