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Tag Archives: cash advances

Retirement Plans Gone Sour: It’s Not All Cash Advance and Credit Cards

Posted on February 25, 2013 by Kristy Lamar

Entering that last decade before retirement? I bet these folks are doing their best to keep their debt from building, take care of all their own necessities and be the support for family. This generation is feeling the financial stress as they work to rid themselves of credit card and cash advance debt. Why all the stress for this age group? It isn’t necessarily because they are making too many trips to the mall. Those in their 50’s are looking towards their retirement, hoping to be free of debt. Who wouldn’t want to be debt free and live the … Continue reading →

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Put A Cash Advance In The Background and Face What Is Ahead

Posted on February 24, 2013 by Kristy Lamar

The end of the month is drawing near. Are you already contemplating a cash advance to push your budget through to next month? I would bet you are not alone. I have learned over the years that pay cycles have lots to do with how budgets function at the end of the month. Let’s be honest, it also has to do with spending control or lack thereof. If your pay cycles are set dates or certain weeks each month, there needs to be a budget which combinationes. The end of the month does not need to … Continue reading →

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How I Stayed Away From Cash Advances and Limited Credit Card Debt

Posted on February 22, 2013 by Kristy Lamar

To be young again. It was a struggle to make it out on my own, fresh out of college and diving into the life of being a responsible citizen. Financially speaking, the starting pay which I started out with was peanuts compared to today, but the cost of living has also increased. I didn’t use online cash advances to support cost of living or rack up credit cards. I had one credit card which I saved for emergencies and held a second job until my salary could support my essentials … Continue reading →

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Using Critical Thinking To Solve Cash Advance and Credit Card Debt

Posted on February 22, 2013 by Kristy Lamar

In order to solve a cash advance problem, there may need to be some critical thinking components active within the household budget. By the time a person is at a point where cash advances are used, there tends to be more debt and possible budget problems elsewhere. Cash advances tend not to be the cause of a financial problem, but are often the last piece of straw which breaks the camel’s back. Critical thinking approach to solve cash advance reliance Critical thinkers often approach problems with an open mind and a self-motivated ambition to solve the … Continue reading →

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Cash Advance Loans and Shopaholics Don’t Blend Well

Posted on February 21, 2013 by Kristy Lamar

I read an article today about a man who grouped his family together for an intervention for his mother. Most often we read about interventions dealing with some sort of addiction. This gentleman was looking out for his mother as she continued to bury herself  further in debt with cash advances and credit cards. The addiction which the family was called in to support and help stop was a shopping addiction. It may sound humorous to many, but the problem is more severe than most think. Using third party money to continue feeding into this habit not only … Continue reading →

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Identity Thieves May Hide Behind Cash Advances or Credit Card Facades

Posted on February 21, 2013 by Kristy Lamar

It isn’t groundbreaking news that there are everyday occurrences of fraudulent activities on the Internet when it comes to people trying to steal identities. Hiding behind cash advance lender robes or new employment opportunities, finding anyway to get a person’s personal information, people become victims too easily. It is unfortunate that those who do this sort of thing make more people leery of using certain areas of the web, but for those who continue to use it cautiously, it is always good to know what to do if identity theft does hit home. When you are … Continue reading →

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How Much Money Do You Waste On Cash Advance and Credit Card Debt?

Posted on February 20, 2013 by Kristy Lamar

How much are you paying in interest for your cash advance? Your original due date has passed and as you continue to pay your fees and pay down your principle amount, have you calculated how much income goes towards the loan? Did you plan on having the loan extended beyond the first term? Have a fast payoff plan before you get your cash advance. I’m sure there are very few who know about the high interest attached to cash advances would plan to keep this loan out for longer than necessary. Short terms and high interest … Continue reading →

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What Might Happen If You Default On A Cash Advance Loan?

Posted on February 20, 2013 by Kristy Lamar

If for some reason your cash advance debt went into default far enough to be sold to a collection’s agency, there are some proper ways to work with them. The more you understand how collectors work, the better prepared you will be to handle communication with them. There are three ways a direct lender or creditor can collect on bad debt: soft collections, hard collections or through a collection attorney. Many cash advance companies have their own “soft” collection practices What are soft collections? Some companies employ their won collectors. These employees work at … Continue reading →

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Cash Advance Your Only Option? Check Out Your Credit Report For Errors

Posted on February 19, 2013 by Kristy Lamar

Did you know that a new study by the FTC has reported that 5% of consumers have errors on one or more of the three major credit reports? If you find that for some unknown reason your credit is low and the only cash advance you can obtain is from a direct short-term loan lender, you may want to obtain a free copy of your credit report and find out why. No credit check cash advances are not affected by credit scores What do errors do to credit report? They give ample opportunity to … Continue reading →

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Do You Take Your Cash Advance From A Specific Type Of Lender?

Posted on February 18, 2013 by Kristy Lamar

So often, we read about bad credit cash advance loans as an opportunity for desperate borrowers who are looking for fast cash. I guess it is all about point of view. What side you are looking at these loans from? Are you a lender hoping that someone will apply or are you a borrower wishing to get some emergency help? Some borrowers just need money sooner than later and choose to apply for a cash advance while others cannot get help elsewhere and are desperate for an approval. Bad credit … Continue reading →

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