Author - money4u

How to Vacation on a Small Budget

Money-4-You-Budget-VacationThe high cost of traveling had many families resigned to the “stay-cation” in recent years. But not leaving home tends to leave you with a lot of the day-to-day issues you’d like a vacation away from, like cleaning the house, running kids around, and the in-laws dropping by unannounced. You need to get away, but you don’t have a lot of money to spend. So figure out what you can afford and look into getting some advance cash from Money 4 You Payday Loans before you trek that first mile.


Back To School Money Saving Tips

Money-4-You-Back-To-SchoolAs the long days of summer wind down, parents roll up their sleeves in preparation for back-to-school shopping. Although school supply lists seem to grow longer every year, you can get everything you need without breaking the bank. Following practical spending tips and knowing what to avoid will help you obtain all those classroom essentials for less. If all the end-of-summer shopping has been especially hard on your wallet, Money 4 You Payday Loans can help you get your budget back on track.


When Should I Choose a Loan Instead of Credit?

You don’t like getting into debt, but sometimes you don’t have a choice. Perhaps you have medical bills you need to pay, or maybe you need funds to pay your school tuition or start a business.

When you must borrow money, your first instinct is probably to charge your credit card. But there are several reasons why you should take out a loan instead.


Save Thousands: Couponing for Beginners

You usually throw out the big stack of coupons that comes in the mail every week. But did you know that you’re throwing out thousands of dollars when you toss those coupons?

It’s true. People who learn how to coupon effectively can save money on nearly everything. And when you’re pinching every penny, long-term couponing can be just what you need to make ends meet.

New to couponing? Keep reading! We’ve got everything you need to know about couponing basics, as well as tips about how to avoid couponing burnout.


Starving Student? 10 Ways to Save at School

Your ramen noodles stare up at you glumly. You stare back. If you hadn’t had an $800 bill for textbooks this semester, you wouldn’t be eating instant noodles with the nutritional value of a Styrofoam plate.

Education can be really expensive, and sometimes the thought of eating ramen for the rest of your life-just so you can pay off all of your school-related debt-can be overwhelming. Go to school without becoming a starving student. We’ve got the tips and tricks for surviving school without breaking the bank.


5 Creative Ways to Pay Your Loan Early

As you count the days until your next payday, you probably follow a routine something like this:

  1. You send bill payments at the last possible minute.
  2. If you use checks, you post-date your checks, hoping the bank will deposit them late.
  3. You pay the minimum-due amount on a regular basis.
  4. You take out a payday loan to tide you over until your bank account deposits your paycheck.
  5. You cross your fingers, hoping that all the above strategies will help you get by.


7 Ways to Motivate Yourself to Get Out of Debt

When medical bills overflow from your mailbox or the credit card company bombards you with calls, you might feel like there’s no way to get out of your debt. Maybe you took out a pay-day loan to cover your bills, but now you can’t cover the interest charges. You don’t want to get caught in the vicious cycle of debt, but you can’t see a solution.

When debt takes over your life, you lose control of your financial situation. You also lose the freedom to do what you want with your money or to save for your future. To get out of debt, you’ll need the courage and motivation to persevere. With these seven motivational tricks, you can do just that.


15 Ways to Make a Little Money Until Your Next Loan Payout

When you’re strapped for cash in an emergency, you take out a payday loan. You make an agreement with the loan company that you will repay the loan when you receive your paycheck next month. But what if you want to pay off your loan earlier than that? What happens if you still don’t have enough money for groceries, bills, or even that night out you planned three weeks ago?

Don’t assume that your only option is to wait for the remainder of your next pay period. You have plenty of paying possibilities outside your current workplace. Below, you’ll find 15 easy ways to make money until your next loan payout.


6 Ways to Save Money on Your Night Out

When you’re going through a difficult financial time, you might not think you have money to spare on luxuries like nights out. But the opposite can actually be true-when you’re under a huge amount of pressure and stress, you need an outlet more than ever.

For many people, the best way to relax is to spend a night out with their friends or partner. However, buying drinks and paying for cab fare takes its toll, and you could end the evening with a substantially lighter wallet. If you’re not careful, your night on the town might become another financial stressor instead of providing some much-needed relief.

To enjoy time with your friends without losing your hard-earned cash, follow our tips below. We’ll let you know how you can take a break from the daily grind, get the most out of your night, and hang on to your money at the same time.


The 10 Best Apps for Saving Money

We live in an increasingly digitized world. Handheld devices like smartphones and tablets have become staples in many households, and users rely on them to act as their calendars, their alarm clocks, their fitness trackers, their social media outlets, and more. However, you can also use them as another tool: a budget tracker.

Smartphone or tablet apps make budgeting easier than ever. Some allow you to find and save coupons, while others alert you about special deals. Some even link to your bank account so you can track your spending’s every detail.

Start budgeting smartly today by downloading one or several finance apps. We’ve given you an overview of some of the most popular apps below.