วันอาทิตย์ที่ 20 มีนาคม พ.ศ. 2559

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In today's tight economy getting a bank loan is not always an option. The only quick cash out there seems to be in the form of a short term, high interest payday loan.If managed properly these loans can serve a purpose in a time of need, though often they lead to a cycle of fees if not paid in full quickly.
There are nightmare stories of people in payday loan debt for years, paying only 'renewal' or 'roll over' fees. Many still owing the same amount as the day they took out the loan. Pretty hard to swallow. The only way to avoid the payday loan debt trap is to plan and save. We can save in so many more areas of our lives than we consider. The following money saving tips will hopefully help save some money and avoid payday loan debt or get out of it quicker if it's too late.
Tips For Saving Money and Avoiding Payday Loan Debt
In General Plan your budget. List all sources of income and your regular expenses. Take a look to see what you can cut back on. Look for better deals (for example - shop around for auto insurance).
Bring your lunch instead of buying it everyday.
Pay yourself first. Each month, try to save at least 5% of your take home pay. Increase that percentage whenever possible. Set goals. You'll want to save more if you know exactly what you're saving for.
Avoid impulse buys. Think about whether you need something before you buy it. You'll be surprised how much you can save by being disciplined.

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