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Cash Loans: The Good, the Bad, and the Debt-Free
Happiness is what they're selling. Relief from the crushing weight of that gigantic rock we're all forced to carry called 'financial burden.' It's heavy and cumbersome, and the very thought of unloading it for a short time is so tempting, that some of us find it easy to throw caution to the wind and apply for the quick cash loans these small payday advance lenders offer. Why not? The cops towed your car off, and you need eighty bucks to pay off the ticket. You can't work without your car. You don't have the money to get your car. You don't get paid until next week. A cash advance seems like the logical solution. They don't even look at your credit history. They just want to see a paycheck stub and a bank account. How easy is that? Then there's that thing you've been wanting to buy...it's only a few bucks more, so you may as well make it a hundred instead of eighty dollars. Oh, and your kid has been begging for that game. Another twenty won't make a difference. The excuses for more will keep adding up, and here's this company ready and waiting to hand you a wad of cash. Cold hard cash. The kind that's easy to spend, because it's in your pocket (burning a hole) instead of in the bank (waiting for bills). Why not? Because if you don't have the money you need saved in the bank, it shows you have a hard time controlling your spending habits, and you're probably going to have a hard time paying off cash loans. This means a new set of weekly fees that you hadn't planned. Before you're through, you'll end up spending much more than you borrowed just in interest and late fees. Stop the mad cycle of easy cash loans and payday advances. You might have no choice but to borrow, but following a few simple steps can help eliminate the painful after-math of a cash advance. Only borrow as much cash as you need This might be one of the hardest parts. When you're applying for a cash loan, and you know you'll be out of diapers before your paycheck comes, it's so tempting to add a few bucks of spending cash to the credit line. Stop yourself right there. Ask yourself a few questions.
Can you wait for the extra money? You probably can. It's nice to have everything you want without waiting for it, but it will save you a lot of money if you just hold off until payday. Will you spend this money immediately? If you want to advance an extra thirty bucks so you'll have enough to for gas on Friday, you should reconsider. If you know for certain that you'll need it, fill your tank on the way home. Don't carry the extra cash in your pocket, because you're likely to spend it on something else. Can you find another way to get by? Most of us are surprised by what we can accomplish when we're strapped for cash. Use only half the soap for laundry loads. Buy the cheap hotdogs for supper tomorrow, and reheat last night's meal for tonight. But don't use credit. Are you really going to spend the money on what you think you're borrowing it for? Cash is hard to hold on to. You know your habits. If you've blown the grocery money at a restaurant before, then don't borrow it. Don't let the late penalties kill you You've followed good sense and only borrowed what you needed. You skimped by on as little as possible, and now your pantry and gas tank are empty. You want to stop at the bank, cash your check, and buy a few things before going to the loan company to take care of your advance. Here's where you'll make your biggest mistake. When you have your paycheck, go straight out and pay off that loan...all of it. The groceries can wait. The movie rentals can wait. Your only concern should be to get out of debt. Most loan companies can cash your check for you. This will make it easier to do all at once. Don't spend a single penny until your debts are satisfied. If you delay your payment, or only pay it partially, you'll start that ugly cycle again, and who knows when it will end, or how much extra you'll spend. Sell all your toys and eat macaroni and cheese for the next two weeks, but settle that loan. Now it's time for discipline You borrowed only what you needed. You paid all your cash loans in full the very day your paycheck came. Now you're debt free and living easy on payday. You even have a few extra bucks in your pocket. Maybe you can afford to buy the gourmet coffee. Just one cup to celebrate. Oh, and a doughnut to go with it. Wrong. Now comes the real work. Now it's time to roll up your sleeves and keep this from ever happening again. You need to restructure your spending habits. You need to stop thinking of those extra dollars as spending cash, and start thinking of them as your safety net. Put the money away. Put it in a different account. Not a checking account, but a savings account. One that you need to actually go to the bank in order to withdraw, because the situation will rise again. You'll have another emergency, and you'll need cash. Your car will get towed again, your water heater will stop working, or you'll get a tooth ache and have to go to the dentist who only accepts payment at the time of service. Here are a few tips to avoid frivolous spending. Cash loans are convenient, and sometimes necessary, but they are not ideal. They are for emergencies, but with some careful planning and healthy spending habits, you can avoid the need for them altogether. Virginia Douglas is a freelance writer for http://www.faxless-payday-loans.net an online website that offers information about fast cash loans and payday advances.
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Trump administration refuses to publish required report on student-loan borrower complaints MarketWatch The plight of student-loan borrowers could get a little less attention this year. The Consumer Financial Protection Bureau failed to release an annual analysis of ... Pawn Central seeks to write loans on guns Galesburg Register-Mail GALESBURG — Pawn shops like the one on East Main Street write loans on everything from televisions, video games and electric guitars to hydraulic ... Oakland Loans Housing Developer UrbanCore $2.35 Million for Market-Rate Housing Project East Bay Express Meanwhile, San Francisco is suing UrbanCore over an unpaid $5.5 million loan. Do These 5 Things Now That The Student Loan Grace Period Is Over Forbes And just like that, your six month grace period on your student loans is over. Here are 5 things to consider doing next. Your 5 Next Steps. There is typically a six ... Sputtering Oil Industry Puts Brakes on Nigerian Bank Loans Bloomberg Nigerian lenders are in retreat. Rising costs and declining appetite to lend is prompting banks to repay dollar borrowings. Brent crude prices near their lowest ... Could this government program wipe away all your student loan debt? Military Times The Veterans Affairs Department and the Department of Education are working together to make it easier for you to apply to have your loans forgiven. Here are ... Help, I Can't Afford My Student Loans Forbes If you can't afford the monthly payments for your student loans, you're not alone. U.S. Secretary of Education has called the rising student loan debt issue a ... "Buy now, pay later": Critics concerned about new online payment plans CBS News Tech companies like Affirm, Afterpay and Klarna are offering instant installment plans as an alternative to credit cards. My Client Got Public Service Loan Forgiveness Forbes One of the most exciting things that could possibly happen to a student loan lawyer happened to me just a few days ago: one of my clients got her student loans ... Change in student loan accounting could add £10bn to national debt The Guardian The government faces an extra £10bn being added to its borrowing as the result of a radical shake-up in the accounting for student loans, with experts warning ... How to Manage Student Loan Debt Without Making It Worse NerdWallet When you're struggling financially, keeping up with your student loan payments might feel like you're stuck on a runaway train — and student loan forbearance, ... Lenders target California seniors with costly clean-energy loans The Mercury News Elderly homeowners who have built a sizable nest egg over many years are being targeted by financial lenders to take energy-efficiency home improvement ... Here's How Parents Can Repay Parent PLUS Student Loans Forbes Parents are borrowing more to send their children to college and struggling to repay those loans, says a new study from The Brookings Institution. Here's what ... Auto debt in America — mapped CNBC A new map by the Urban Institute traces auto delinquency rates in counties across the U.S. How people fare with their auto loans varies dramatically from one ... How's the Market? All kinds of loans- part II Record Bee Last week, I began describing the many types of real estate loans available for residential, commercial, industrial, or agricultural property. Thinking about buying ... What will happen to my student loans now Virginia College closed? WJBF-TV AUGUSTA, Ga. (WJBF) - With 70 Virginia College campus, including one in Augusta, shut down, it's the largest closure since two other for-profit colleges ... This 34-year-old celebrated his birthday by paying off the last of his $117,000 in student loans—here's how he did it CNBC A New York-based financial reporter paid off the last of his almost $117000 student loans just before turning age 34, including $16000 in 2018 alone. Roughly ... Were Your TEACH Grants Converted To Loans While Teaching At A Qualifying School? NPR If you're one of the thousands of teachers who had grants converted to loans even though you were meeting the teaching requirements of the TEACH Grants ... She took out $20,000 in loans for her son's college. Then he went blind CNBC A bipartisan bill would allow parents who borrowed student loans for children who became severely disabled to walk away from their debt. Student loans totaling $150M to be forgiven by US Department of Education Yahoo News The U.S. Department of Education plans to cancel about $150 million in student loan debt, which means about 15000 borrowers will be forgiven. Yes, student loans really are making millennials go broke | TheHill The Hill Ten years after America's largest financial institutions upended the economic livelihood of millions of millennials entering the job market, a new report from the ... Parents struggling to repay college loans, report finds Tampa Bay Times Parents are increasingly shouldering the student loan burden and risking their financial health to do it, according to a new report. How You Can Get Your Student Loans Discharged In Bankruptcy Forbes One of the biggest myths surrounding student loans is that you cannot get your student loans discharged in bankruptcy. While it's rare, it's completely possible. $1.3B award upheld against racecar driver over payday loans NBCNews.com A U.S. appeals court on Monday upheld a nearly $1.3 billion award against pro racecar driver Scott Tucker, who was sent to prison following a conviction for ... 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USA TODAY Americans are forecast to spend more than $1000 during the holidays. Many people turn to personal loans to finance that spending. Racecar driver must pay $1.3 billion award in payday loan suit Fox News A U.S. appeals court on Monday upheld a nearly $1.3 billion award against a pro racecar driver who was sent to prison following a conviction for cheating ... Investors signal concerns with leveraged loans Financial Times Risk premiums rise for securities backed by lower-rated corporate credits. You were right to take out student loans, says author of 'I Will Teach You To Be Rich' CNBC Personal finance guru Ramit Sethi says that, in the long term, your student loans are worth the pain of having to pay them back: Educational "debt can be a great ... Ecuador is feeling pain of China loans Herald-Mail Media QUITO, Ecuador — Rafael Correa wanted to fast-track development projects when he was president of Ecuador, so he borrowed billions of dollars from China. 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Students At For-Profit Colleges Are More Vulnerable To Student Loan Distress, NYC Report Finds Forbes Black and Latino students, low-income students and older students -- all communities with higher rates of loan defaults --were all more likely to attend for-profit ... Your Former Student Loan Watchdog Is Back Forbes Your former student loan watchdog resigned in September. Now, he's back in a new role. Here's what you need to know and how it can affect you. The Student ... The Simplest Ways To Save Interest On Your Student Loans Forbes There are several simple ways that you can save interest on your student loan debt. You need to spend five minute to make it happen. Teachers in grant program could see their loans erased by U.S. Education Department: report NOLA.com The U.S. Department of Education is finalizing a plan to help teachers who have been wrongly saddled with debt because of a federal grant program. ONLY ON 7: Ameritech Financial employee says embroiled student loan debt relief company was helping people KGO-TV For the first time, we are hearing from a current employee of a Sonoma County student loan debt relief company whose CEO is in hot water with the Federal ... Don't make this common student loan mistake that can cost you thousands of dollars CNBC Nearly 45 million Americans have some kind of student loan debt, and the system for paying back those loans can be confusing. That means it's all too easy to ... California community colleges reject state aid tied to allowing students to seek federal loans EdSource For years 22 California community colleges did not participate in the federal student loan program, blocking students from taking out federal loans to cover their ... A new study says an overwhelming majority of millennials want to be homeowners, but student loans are holding them back CNBC For many millennials, the idea of homeownership is still a big picture dream, with a new study saying 89 percent plan to purchase a home in the future — but ... Betsy DeVos Is Wrong About The 'Government Takeover' Of Student Loans Forbes Education Secretary Betsy DeVos has a reputation as a champion of the free market. It was therefore disappointing to see her praise a defunct program that ... Wall Street banks turn skittish on leveraged loans Financial Times Wall Street banks are offloading leveraged loans at discounted prices and demanding that borrowers accept less advantageous terms, as they move to protect ... TSP Loans and Hardship Withdrawals FEDweek There are currently two ways that an employee younger than age 59 ½ can get money out of the Thrift Savings Plan. They are by means of a loan or a hardship ... Disaster loan applications still being accepted for Tropical Storm Michael damage Roanoke Times A handful of Roanoke Valley property owners have sought and received federal disaster aid in the wake of the October flooding unleashed by Tropical Storm ... This 27 year old lives in a van to save money—here's how he makes it work CNBC "I feel more financially competent and stable and well-set up than I ever have," says John Sweat, who is able to save more by living in his van, and who aims to ... Who's buying leveraged loans anyways? Financial Times The booming loan market for highly indebted companies has faced a lot of scrutiny in recent months. The IMF has repeatedly aired its grievances. Multiple ... Hard-up firms in China use cashmere and pork to repay loans The Economist LI XINTONG DID not want one overpriced cashmere sweater, let alone a hundred. But when his loan to Jicai came due, the investment firm offered to repay him ... LESSEN THE LOAD: More companies helping employees ease student loan debt KTRK-TV More employers are providing benefit offerings to help employees with student loan debt. What to Do Now That the Student Loan Grace Period Is Over Lifehacker College grads with public student loans typically get a six-month grace period after convocation before they have to start making payments. And that means for ... Here’s How the Student Loan Landscape Has Changed Since 2013 Bloomberg The latest numbers on student loans were all too familiar: Outstanding debt hit another record and delinquency rates spiked in the third quarter, according to ... Fareway offers employees help paying off student loans Des Moines Register Fareway is offering full-time workers a new benefit that will assist them with studen loan repayment. A Default Setting That Can Ease the Student Loan Crisis Bloomberg Student loans are imposing crushing burdens on millions of young Americans. According to one account, about one-quarter of the borrowers who began ... Farm loan waiver a necessity: Kamal Nath Times of India India News: "I am not going to be deterred by what these economists say in their rooms. A farmer today is born in debt and all his life gets stifled under loan bu. Before you pause your student loan payments, consider the risks CNBC It can be hard to come up with your student loan payment each month. Yet if you take a break from the payments, the situation can get worse. Loans to get dearer as US Fed gears up for another rate hike Khaleej Times The UAE and most GCC countries are expected to increase key interest rates this week in line with the US Federal Reserve, which will announce a decision on ... Fintech Squirrel makes UK purchase, targets 15 minute loans The Australian Financial Review Meet Australia's newest mortgage market hopeful. Privately-owned fintech Squirrel reckons it could be offering clients home loan approvals within 15-minutes ... DeVos decries student-loan program as a ‘looming crisis’ Washington Post Education Secretary Betsy DeVos on Tuesday warned that the federal student aid program is a “looming crisis in higher education” in a speech that some ... Montgomery, Prince George’s file federal lawsuits accusing banks of peddling ‘predatory’ loans WTOP WASHINGTON — Federal lawsuits filed Tuesday by Montgomery and Prince George's counties claim banks flew in the face of Fair Housing protections, aiming ... What Is a Predatory Loan? U.S News & World Report Money Predatory loans have unfair, misleading or unaffordable terms that generally benefit the lender at the expense of the borrower. Predatory loans have the ... SoFi CEO Anthony Noto: Our loans 'have really strong risk controls' CNBC Jim Cramer and SoFi CEO Anthony Noto break down how the millennial-facing financial company is preparing for an environment with higher interest rates. Spanish banks step up sales of bad loans and distressed property Financial Times Spanish banks have taken more steps to offload bad loans, as Banco Sabadell announced the sale of its real estate services business and Bankia confirmed it ... Ross Spano should be disqualified from Congress after illegal campaign loans, top Florida Democrat says Tampa Bay Times The head of the Florida Democratic Party said newly elected U.S. Rep. Ross Spano should be disqualified from serving in Congress after he acknowledged he ... Vegas bank offering teachers interest-free loans KTNV Las Vegas The Bank of Nevada is offering new Clark County School District teachers interest-free loans. Butte County BOS votes to forgive loans for Concow residents who lost homes to fire twice KRCRTV.COM The Butte County Board of Supervisors met on Tuesday to discuss Camp Fire concerns amid the devastation and destruction. In addition the Butte County Sheriff ... She needed $500 for food and now owes $1,700. Is it time to regulate payday loans? Star-Telegram Rebecca Anthony needed a little help putting food on the table. She'd already received assistance from a church and friends, but it wasn't enough to put whole ... Ecuador faces a huge budget deficit because of loans it received from China Los Angeles Times Rafael Correa wanted to fast-track development projects when he was president of Ecuador, so he borrowed billions of dollars from China. But the loans have ... There’s a better way to solve the student loan crisis | TheHill The Hill How does an exceedingly expensive, regressive redistribution of federal dollars turn into a college affordability proposal embraced by progressives? Editorial: Feds should investigate Spano loans Tampa Bay Times The new U.S. House Republican acknowledges he received personal loans and then loaned his campaign most of that money. Will Ross Spano face an investigation into campaign loans before he even gets to Congress? Tampa Bay Times TAMPA — The Democratic candidate who lost to Republican Ross Spano for the congressional seat from District 15 said this week she has requested an FBI ... Instant shopping loans cause worries for shoppers | News KCTV Kansas City There are a handful of tech companies offering something called “point-of-sale loans.” The Trump Administration Is Quietly Denying Federal Housing Loans To DACA Recipients - BuzzFeed News The Trump Administration Is Quietly Denying Federal Housing Loans To DACA Recipients BuzzFeed News The Department of Housing and Urban Development hasn't announced a formal policy denying FHA loans for DACA recipients, but lenders tell BuzzFeed News ... Farmers eligible for emergency loans The Times and Democrat Farmers in The T&D Region are eligible to receive emergency loans for losses suffered during this year's hurricanes. |
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