It only takes a financial emergency to cause havoc for you and your family. This is especially true if you have limited savings in the bank. And research shows over half of all Americans do not have enough money in the bank to cover $500 in emergency expenses.
Payday loans are fee-based loans. That means there are established fees per $100 you borrow. Almost all states have regulated these fees so you know what you will pay before you decide to accept a loan offer. For most states, the fees allowed range from $10to $20 per $100 borrowed. You can check your state website to see what fees are allowed where you live.
If you are applying for a new car lease (or even a used car purchase), a new credit card, a home or property purchase, etc. then you need a credit score and preferably one that is ‘good’ or higher.
You may have picked up some financial tips from watching movies in the past. Here are a few good pointers gleaned from some hit movies from years’ past in no particular order.
Whenever you find yourself in a tough financial spot, you may feel that you have run out of options. Millions of Americans experience this every year, especially in the present tough times. So, if you are currently facing a financial crisis, remember that you are not alone.
If you do not have a well-structured and documented budget, now is the time to start. You still have the time to do it, and it should be something you do for a lifetime. Start by adding up all income you will have while unemployed. Then list all expenses and cut anything that is not essential.
The number one complaint about payday loans is their high cost. Many times, the APR of the loan is highlighted. But this is the wrong way to look at these truly short term loans. They are fee-based loans, and the fees can be high. Why? Because the lender's risk is remarkably high, and those seeking these loans have poor credit, to begin with.
It is a simple process. Using your smartphone, you can access the loan request form and fill it in. As soon as the application is approved, you get connected to your lender to complete the process-no driving around looking for a store, especially when more than 100 lenders see your request.
A refrigerator is an important appliance in your kitchen that helps to keep food cold and fresh for a longer time. However, it requires regular maintenance and repairs to stay in the best condition.
Those who are trying to build or rebuild credit can’t simply get a credit card from a credit card company or lender. Without a credit history, it’s unlikely. A secured credit card that allows you to make a deposit will help build credit.
