Payday Loans Blog

This year you may have a goal to get rid of your debt and/or save more money this year. For the year 2010, here are ten ways to help you achieve this goal:

1-      Eliminate Impulse buying

2-      Limit expensive cars and use public transport or walking

3-      Use coupons and buy in bulk at the grocery store

4-      Get the generic brand

5-      Eat at home instead of dining out

6-      Find cheap but good forms of entertainment (red box, dollar theatre, school plays, etc.)

7-      Cut out expensive habits (smoking, drinking, gambling, lattes)

8-      Check bills for errors

9-      Make your lunch to take to work or school

10-   Pay your bills on time to avoid late fees

When you want a card that will help you to learn how to budget your money better, take a look at Check City’s prepaid debit card. It will allow you to decide how much you need and then only make that amount available until you load more on the card. Loading money is easy- so go to any Check City location today to learn more about the Netspend Prepaid Debit Card.

Money orders can help you to get those bills paid on time- especially if you don’t have a checking account. You can receive free money orders at any Check City location.

Making and keeping a budget is not always simple. In fact, budgeting takes a lot of hard work and dedication. But, by creating a budget you can help stabilize and secure finances for you and for your family.

Here are five steps to help you make a budget that will work for you.

1 - write down your fixed expenses. Fixed expenses include house payment/rent, utility bills, insurance premiums.

2 - under your fixed expenses, write down all of your basic needs expenses. For most people these include food, gas, clothing, toiletries, etc.

3- add all of these amounts together and subtract from your total monthly paycheck. The amount that is left is what you actually have to work with in terms of budgeting.

4 - list all of your remaining purchases for the month; every single thing you spent money on down to the smallest detail. Be honest and make sure you write down every single item.

5 - add up the amount you spent on all of those items and subtract that amount from the amount you had left for budgeting. How much did you spend? You may be surprised by this amount.

Sometimes life throws unexpected financial curveballs, one right after another. Whether it is car maintenance issues, medical emergencies, bills, or other things- they can easily overwhelm. When this happens, even with budgeting you may not have the money to pay off all of the bills.

The struggle with money sometimes seems constant. When this occurs, Check City offers cash advances that gives you cash quickly and can help you make it to the end of the month.