When you find yourself having to depend on it day after day, week after week. At PayDayOK, we want to be here for you whenever you need us, but we dont want you to think of us as a long term solution. So ask yourself, do you think of a cash advance as part of your monthly income? Or as a short-term emergency solution? If weve become like an extra paycheck, maybe its time you also considered these other choices.
Try to have some savings. Try even a few of these OK tips and youll be amazed at what you can save.
PayDay OK?s tips for finding money to save Monthly
1. Bring lunch to work $60
2. Clip and use coupons $50
3. Substitute regular coffee for those designer coffee drinks $40
4. Eat out 2 fewer times a month $30
5. Pay credit card bill on time to avoid late fee $25
6. Bounce one less check a month $20
7. Save $.50 a day in loose change $15
8. Cut soda/pop consumption by 1 liter a week $6
9. Comparison shop for gas $4
There are also some programs such as America Saves which can help you set monthly goals as little as $10 so you can start building up savings. For more tips on saving money, click here.
Try to negotiate directly with your creditors Sometimes all it takes is asking to get a lower rate from a creditor. People with big bank accounts ask all the time so dont be shy about it. You can also negotiate for more time, or a payoff schedule. Just dont be afraid to ask!
Check with your state or county for assistance A state program called the "Prevention, Retention and Contingency Program" offers grant money to working poor families to help them maintain self-sufficiency. Each county has its own eligibility requirements. Contact the Department of Human Services in your state for help.
Apply for a loan at your financial institution Try to see if you can get your bank or credit union to offer you a lower interest loan to pay off debt -- then plan to start fresh!
Use part of your tax refund to pay off debts This is a great way to pay down, or off, high cost loans. Be sure to try it the next time you receive a refund. Finally, remember, whenever you decide to use a payday loan cash advance, borrow only as much as you can afford to pay with your next paycheck, but still keep enough for yourself so you can make it to next payday.
At PayDayOK, were doing everything we can to make our loans the right choice . . . at the right time.
Some loans are offered by a federally insured state financial institution not affiliated with PayDay OK. PayDay OK does not grant or deny credit with respect to these loans. All loans are subject to credit approval. Certain limitations apply.
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