Recession-Proof Your Family

Unless you’ve been living under a rock, you’re probably aware of the great recession that has plagued America. Even if you’re fortunate enough to still have your job, it’s always a good idea to have a financial plan in place- should something happen to you or a loved one. Most financial experts agree, you should have a minimum of 6 months worth of living expenses saved up in an emergency account. Don’t have one? Definitely- get started today. Here are a few easy ways to save:

1. Utility Bills. Go through each one and identify areas to save. For example, do you really need 150 cable channels? Or, could you get by with a basic cable service? Depending on your cable provider, this could save you about $50 per month.

2. Cut down on the places you commute to. Instead of driving to the store around the corner, is it possible to ride your bike? Just think: you’ll be saving gas, the environment- and be getting a great workout!

3. Avoid taking out unnecessary cash loans. These types of loans are very expensive. If you need cash loans for bad credit, consider your alternative choices first. For example, maybe you have a bunch of junk lying around? Why not have a garage sale? Although, it may seem like a pain- it will really pay off in the end.

Basic Budget Worksheet

Get Money with Online Bank Account

These days most Americans are juggling more than ever. With work, family, friends, and weekly errands- it’s no wonder we’re exhausted! If you’re like me, you’re constantly looking for ways to eliminate tedious tasks and save yourself any unnecessary trips to the bank. With an online bank account you can:

-View your account balances
-Access a debit card
-Setup direct deposit
-Transfer money from one account to another
-Pay bills
-Apply for financial products, like a payday advance without ever leaving your own home!

With the modern conveniences of online banking, you can virtually eliminate your trips to the bank. And, just think- instead of wasting time standing in line, you can be doing something you enjoy.

FDIC Bank Guide

Bad Credit Loan for AC Repair

Spring is coming to an end and hot, sticky, summer days are quickly approaching. Is your air conditioning unit functioning properly? If the answer is “no”, you could get stuck paying a monstrous electricity bill. Or, worse, you could be putting your family members at risk of developing heat stroke and other heat-related illnesses. Don’t wait until it’s too late- especially, if you live in an area with extreme temperatures.

With tough economic times, fixing your ac can be a financial nightmare. If you’re like most Americans these days, you probably don’t have an extra $500 lying around. With bad credit, it can feel overwhelming trying to find a loan. When my ac broke down, I didn’t know what I was going to do. A friend told me about MoneyNowUSA and how to get an instant approval payday advance. I was so relieved to have my cash that same day and get my ac working!

Tips on Saving Energy

‘No Money’ Blues

Ask any college graduate what they remember most about their college days (aside from partying-of course) and most will tell you stories about having no money and just how creative one can get with a few dollars. It’s always amazing how many different meals you can make with five ingredients or less. For example, my college roommates used ketchup as a sauce, soup, salad dressing, you name it- they probably tried it. I don’t think I’ll ever miss having no money, but I will say this- those experiences definitely built character.

Looking back on my own college experience, I wish I would’ve paid better attention to my finances and made smarter decisions. Here are a couple ways to make your dollar stretch a little further:

1. Pay attention to your energy use. Keep your thermostat higher when you’re not home. Turn off lights when you’re not in the room. And don’t forget to turn off things like TV’s, Hair appliances, etc. It doesn’t seem like a lot, but these little changes can really add up.

2. Create a budget and stick to it. If you know how much you’re spending each month, you won’t be scrambling when you have to fork over rent and tuition!

For more helpful tips, checkout this article on how to Create a Budget

There’s nothing worse than being sick and feeling stressed about how to pay for it. Between the emergency room bill and the prescriptions, the cost of being sick is enough to give you an ulcer. Not to mention, falling behind at work and possibly missing a few days of pay on top it all. So, what are the options?

First and foremost, talk to close friends and family members about your situation. Explain that you’ve come down with an unexpected illness and you simply don’t have the savings to cover the bills. Sometimes friends and family will lend you the money, saving you high interest fees and hassle of taking out a cash advance.

If you’ve exhausted friends and family, the next best option is to apply for a payday advance. You can apply for a payday advance online, from the comfort and privacy of your own home. A multiple-lender service like MoneyNowUSA, works to hundreds of different lenders to ensure that everyone who applies, qualifies.

Zero Interest Cash Advance

It’s no secret that cash advance loans carry hefty interest fees. In contrast to traditional loans, these loans have interest rates typically in the range of 300% to 800%. However, it’s important to understand that the loan term is generally about 14 days. A traditional loan term can fall in the range of several months to several years. As a result, the interest fees appear to be astronomical, when in reality- they’re not nearly as high as they seem.

So, that brings us to the question: Is there such thing as a zero interest cash advance?
Short answer: Not really. Unless you’re borrowing cash from a friend or family member, you’re probably going to pay fairly high interest fees. The exact interest fee varies with each individual. As a general rule, the fewer outstanding loans you have, the lower your interest fee will be.

Loan Calculator

How Can I Get a Personal Loan if I Live in D.C.?

Several states no longer have personal loan stores that you can walk into. But, you can still get a payday loan online. Internet-based lenders like MoneyNowUSA provide cash advance loans to anyone located in the United States.

First, select a a BBB accredited provider to ensure your information is kept safe and secure.

Second, fill out an application. You will be required provide: social security number, driver’s license, checking account number, and bank routing number. Keep in mind that some states require less documentation. For individual state requirements, check with the National Conference of State Legislature.

Lastly, your application will be approved or denied. Money Now USA works with over 150 credit loan providers. As a result, you can be assured that you’re getting the highest cash advance at the best available rate.

Will a payday advance affect my credit score?

Short answer: It depends.

Generally speaking, most cash advance companies do not run a credit check. If you repay the loan on time- these unsecured loans will have no effect on your credit score.

However, be aware that some companies may run a credit check. If that’s the case, your credit score will go down slightly. Your credit score will also go down if you’re late on any payments.

Most payday loan companies require you to write a check for the loan amount in advance, which they then cash at the end of the loan term. If there isn’t enough money in your account to cover the check and it bounces- that could potentially have a negative effect on services, such as utilities.

Free Credit Report

If you’re like me, it seems like every time I need some kind of medical procedure- money is tighter than ever. Last week, I noticed that a couple of my back teeth were sore. I kept my fingers crossed, hoping the pain would eventually fade. Much to my disappointment, the pain continued to get worse. By the end of the week, I was miserable. To make matters worse, my bills were due and pay day was still a week away.

Frantically, I started to brainstorm my options. First, I thought of asking my parents for a small loan. But, my mom was recently laid off and they were strapped for cash too. I couldn’t ask any of my friends because they’re in a similar financial situation. And, with bad credit, I couldn’t qualify for a small loan from a bank either.

Desperate, I asked a co-worker for her advice. To my surprise, she suggested using a cash advance to pay for the dental work. She warned me that the interest fees are pretty high, but that I would be able to get the cash I needed today. I was relieved to find a fast cash advance online with MoneyNowUSA.

American Dental Association

More information on using a cash advance for emergency dental work.

When you think about buying a home, more often than not, you think of flooring options, fixtures, and an ideal location. Unfortunately, the other part of the process is applying for a mortgage.  Well, that is unless you’ve inherited a large sum of money or managed to win the lottery- lucky you.

If you’re like most Americans, you’ll probably need to apply for a mortgage. There are several things to keep in mind when filling out applications. First, make sure that your credit report is fairly “clean”.  Repay any outstanding personal loans, minimize any student loan credit card debt. Second, it’s critical that you understand the two major types of mortgages: fixed-rate mortgage and adjustable rate mortgage. Generally speaking, a fixed-rate mortgage has an interest rate that does not change. Your loan term is issued (usually 15 or 30 years) as well as the interest rate for the life of the loan. In contrast, an adjustable-rate mortgage changes over throughout the term of the loan. The interest rates are typically lower than a fixed-rate mortgage; however, there is a risk that the interest rates will go up.

Depending on your personal preference and financial situation, one option may be better than the other. To check what the average mortgage rates are, visit Freddie Mac.

For more information on personal loans.