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  • Learning to Budget
    different goals Next figure out your monthly income from all sources This is your net pay what you actually take home in the way of income Now you need to determine your month expenses Take an entire month and track all of your expenditures This means keeping receipts and writing down every cent you spend Fixed expenses are relatively easy to calculate They would include your rent or mortgage any auto loan payments and any other type of fixed loan payment Other monthly bills can vary from month to month food gasoline utilities telephone credit card bills cable insurance etc Remember to include entertainment expenditures also These could be restaurant expenses movie tickets sporting events and the like Preparing a budget Now you are ready to plan a realistic budget The simplest way to do this is to write down all of your monthly expenses leaving nothing out and then balance it against your total monthly income This is the easiest way to become aware of how much money you have how much you are spending and if there is any surplus Many times there is no extra cash once you ve balanced your income and expenses There are also instances when the amount of money going out is greater than the amount of money coming in Dealing with financial matters can be a stressful and even frightening experience for many people But ignoring the situation or just hoping for the best will not give you financial security or peace of mind No matter what your circumstances are the only way to successfully deal with them is head on Keys to budgeting Successful budgeting requires you to keep precise accurate records of what you take in each month as income and what you spend The easiest way to do this is to keep your receipts This not only tells you how much you spent but also what you spent the money on Whatever system works for you is what you should use Save your receipts keep a journal It s your choice Your Bank Statement If you have a checking account your bank will either send you monthly paper statements in the mail or you can access your account information through its online banking website The important thing is to check your account statement carefully for any inaccuracies or unusual activity This statement will also list all the transactions you have made over the past month including checks debit card purchases or any automatic withdrawals you have set up Paying by Card Any time you use your debit card or credit card or make an ATM withdrawal you should keep the receipt for your records Keep track of your account balance so that you can avoid overdraft and bounced check fees Compare Your Monthly Expenses At the end of the month go over your receipts and add them up Compare what you actually spent to what you budgeted See if there are ways to cut your expenses It may take

    Original URL path: http://www.paydayadvance.org/Learning-to-Budget (2016-02-17)
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  • Debt Help
    will try to work with you if at all possible Make minimum on time payments While you are struggling make the minimum payment due but always pay on time Once the situation improves increase the amount you pay every month Get credit counseling There are many professional licensed nonprofit agencies that can help you get back on track Stay away from agencies that charge exorbitant fees for their services MORE ON DEBT TIPS When to Consider Bankruptcy Over the past five years millions of Americans have made the decision to file for bankruptcy Much of this is due to the harsh economic conditions that have been in place since the financial meltd More Understanding Subprime Lending One of the keys to long term financial security is being knowledgeable about the credit and lending market Having a strong grip on your personal finances includes understanding the different types More Beware of costly debt traps Borrowing almost always carries a certain risk But it s important to understand that not all debt is created equal Any time you make a credit decision you should give it thoug More Car Title Loans with Bad Credit Car title loans have some features in common with other types of payday advance loans Here are a few of the similarities Offer quick access to cash funds More Improve Your Credit by Using Payday Advance Loans Payday advance loans are short term loans which allow customers to have quick access to cash funds in times of a financial emergency While most experts agree that these types of loans are risky and e More Common Warning Signs of Impending Financial Disaster Overwhelming debt doesn t happen overnight Usually it s a gradual process caused by constant overspending and poor money management skills If you are living from paycheck

    Original URL path: http://www.paydayadvance.org/Debt-Help (2016-02-17)
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  • Planning for Retirement
    will have less money to put towards retirement Pay off your debts It s much easier to handle retirement if you own your home and automobile For most people their mortgage is the biggest expense they have But it s also their greatest investment Your goal should be to pay off these large debts before you retire and have less income Invest in different savings plans Many companies offer IRAs and contribute matching funds to whatever amount you save monthly This is a wonderful opportunity to build your retirement fund Consider speaking with a financial advisor to learn about various investment opportunities that might be to your advantage Consider a retirement job The days of sitting on the front porch in a rocking chair are almost non existent now for most retired people People are living longer and their productivity and experience doesn t end with retirement Consider putting all your knowledge and skills to good use perhaps in completely different area The possibilities are endless MORE ON PLANNING FOR RETIREMENT Bad Habits That Can Lead to Financial Disaster If you are like many American consumers you may be overwhelmed with credit card debt The first step in getting out of a financial hole is admitting that you are in one The next thing you need to More Making Good Financial Decisions It is almost certain that most Americans are feeling the effects of the current economy While conditions have improved somewhat over the past five years there is still high unemployment along wit More Get Help contact us How It Works The Loan Process Rates Fees Terms Conditions Privacy Policy FAQ Application Help Loan Process Payments Extensions Personal Finance Saving Money Learning to Budget Debt Help Retirement Planning Credit Tips Consumer Topics Debt Collection Federal Statutes Predatory Lenders How

    Original URL path: http://www.paydayadvance.org/Retirement-Planning (2016-02-17)
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  • Credit Tips
    who shop with cash spend less and give more thought to what they purchase Impulse buying can wreck a budget Applying for Credit A lender will ask many questions when you are applying for any type of new credit You will need to provide income information along with a rough estimate of your monthly expenses They may ask how long you have been employed at your present job and what type of assets you have such as a car or home Your responses along with your credit report help them determine your creditworthiness They want to be confident that you can and will repay the loan you are asking for Before applying for new credit you should ask yourself a few questions also Do you really need to take on more debt Will you comfortably be able to make the additional monthly payment or will it be a burden Make certain that you actually need additional credit before you commit to more debt Here are three things that most lenders take into consideration when deciding on whether to approve a loan for a customer Capacity This is your ability to make on time payments In other words your income Lenders like to see steady employment and at least one year of working for your current employer They will also look at your debt to income ratio Collateral This can be savings investments or other assets which you own Lenders want to assess your ability to manage money Character This is basically your credit report It will show creditors if you have paid your bills in a timely manner and paid off your financial obligations in the past Tips for a good credit record Pay off your balance in full every month If you can t pay it off in full then pay the most that you can If you only make the minimum payment each month you will never get out of debt Pay on time Making timely payments is one of the best ways to build good credit You will also avoid excessive interest payments and expensive late fees Check your monthly statement Always go over your credit card statements and check them for accuracy Mistakes do happen If you see something unfamiliar call the company and inform them immediately Shop for the best deal on a credit card Interest rates are uniformly high on credit cards Try to find one that charges 15 or less The higher the rate the more you pay Try to avoid credit cards which charge an annual fee Maintain a low Debt to Income Ratio Only take on new debt that you truly need and can fully repay in a short amount of time The higher your income the higher the debt you can carry But it s always best to have a very low ratio Don t apply for too many loans or credit cards Each time you apply for a credit card or loan the creditor makes an inquiry to the

    Original URL path: http://www.paydayadvance.org/Credit-Tips (2016-02-17)
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  • Predatory Lenders
    and stick to it Get in the habit of saving Start small if you have to and increase the amounts as you can The important thing is to start Use financial common sense If you can t afford to pay cash for something you probably can t afford it period Have an emergency fund and this really means strictly for emergencies Remember that there are no quick fixes for financial problems and there s no such thing as easy money Bad credit no credit no problem Run do not walk from any loan company which uses this marketing pitch Rent to own No money down You must act now Avoid these common come ons also Any loan including a first mortgage which uses the equity in your house as collateral should be regarded with much skepticism and be carefully reviewed before signing Fully read and understand any loan document before signing Never sign an agreement that contains blank spaces If you need professional advice concerning a loan agreement consult an attorney The fee you may have to pay can be a bargain compared to what you might lose Always shop around for the best rates and terms before committing to a new loan Never accept the first offer To learn more about consumer protection and your legal rights visit The Center For Responsible Lending Never take on new debt to pay off old debt Resist hard pressure tactics You have every right to take your time when considering a loan You are not legally obligated until you sign on the dotted line Take responsibility for your financial well being Predatory lenders rarely take advantage of smart well informed consumers Get Help contact us How It Works The Loan Process Rates Fees Terms Conditions Privacy Policy FAQ Application Help Loan Process

    Original URL path: http://www.paydayadvance.org/Predatory-Lenders (2016-02-17)
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  • Payday Advance Alabama - Fast Loans in AL
    should funds not be available on the agreed upon date Court costs and up to 15 for Reasonable Attorney s Fees on the total amount can be sought should court action be required to retrieve the loan amount Proposed Alabama Legislation for Restricting Payday and Title Loans As of March 2013 Alabama legislators are seeking to push through bills that would restrict both payday and title loans Currently payday loans can charge up to 456 25 annual interest while title loans can charge up to 300 APR The proposed legislation would cap the interest rate on payday and title loans to a maximum of 36 APR This legislation would follow suit with numerous other states that have passed similar laws Such payday loan regulating legislation is designed to protect borrowers from predatory lending practices which is good for the consumer However most short term lending companies argue that they cannot remain in business with such limited interest and fee amounts and therefore are forced to either shut down or move their business strictly to the Internet Such action can make it difficult for those seeking payday loans to obtain them easily since any state lender or online lender would have to strictly adhere to the state s laws governing such loans Requirements for Obtaining a Payday Loan When seeking to obtain Alabama payday loans first ensure that the companies you want to deal with are licensed Then determine the amount of cash advance you desire up to 500 keep in mind that it is best to only borrow what you absolutely need and can comfortably repay upon your next payday Check on interest rates and all related fees before committing since these can vary from company to company You will be required to present a form of personal ID as

    Original URL path: http://www.paydayadvance.org/Payday-Advance-Alabama (2016-02-17)
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  • Payday Advance Alaska - Fast Loans in AK
    of personal ID A short application is filled out for the desired loan amount and presented along with the above required information You will also need to present a post dated check which is cashed by the lender upon the designated date of payment This is also sometimes done electronically via your supplied savings or checking account information Normally your bank account info will need to be supplied so that the funds can be applied to your account upon approval You will also be asked to sign a repayment plan that outlines the terms of the loan as well as the agreed upon repayment date Your application is then processed and is generally approved within a 24 hour period Once approved your designated loan amount is deposited into your bank account Alaska Payday Advance Loan Guidelines In the state of Alaska payday loans are legal as long as the lender has a required license Alaska payday loans can be obtained in amounts up to 500 with a minimum loan term of 14 days There is no maximum number of payday advances that can be obtained by one person However a maximum fee and finance charge of 5 plus either a 15 per 100 of loan or 15 percent whichever is less is charged for each transaction The annual percentage rate APR on a 100 loan lasting the minimum 14 day period is 520 percent Two rollovers are allowed per payday loan Rollovers are allowed extensions of loan payment should they be required However extra fees and continued interest are incurred on the amount Should there not be sufficient funds available in the account at the time of repayment a 30 one time NSF fee can be charged plus additional late fee penalties and interest If court proceedings are required to

    Original URL path: http://www.paydayadvance.org/Payday-Advance-Alaska (2016-02-17)
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  • Payday Advance Arizona - Fast Loans in AZ
    Such loans should only be used in emergency situations This is due to the fact that payday advance loan contracts require repayment on your next scheduled pay date and they charge higher interest rates and fees than traditional consumer bank loans However payday loans are good sources of quick cash that allow you to cover daily expenses make due or past due payments on vehicle loans house payments rent utilities medical bills insurance premiums etc for which you might not have immediate funds available Payday loans also do not normally require any other verification other than current employment are approved rapidly usually within 24 hours and usually don t require credit checks Preparation for Payday Loan Application Before you actually apply for an Arizona payday advance you should first prepare by considering a few points First you should determine the amount of money required It is not advisable to request more money than you need simply because the amount requested is due in a short amount of time and contains high interest fees and penalty charges Rollovers or extensions on payment are usually allowed on payday loans but the number of times you can rollover a payday loan varies from state to state You should check with your lender on how many rollovers they offer for Arizona residents Also keep in mind that high fees are charged for making rollovers so it is advisable to avoid them if possible The Payday Loan Process Once you select a payday advance Arizona lender you will be asked to fill out a fairly simple application form Normally you will be asked to provide your income source usually your employer along with some sort of proof verifying it as well as a form of personal identification You will also be asked to provide checking

    Original URL path: http://www.paydayadvance.org/Payday-Advance-Arizona (2016-02-17)
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