Author - Money 4 You Payday Loans

Personal Loans vs Payday Loans: What’s the Difference?

Lady Talking in Mobile and Holding Laptop with Another HandIf you’re like most modern consumers, you’ve experienced cash flow issues every now and then — and you probably know all too well how financial issues often cause a domino effect that can have a significant impact on your life. For instance, unexpected vehicle breakdowns may cause loss of hours at work, and in worst case scenarios, you might even lose your job. The same dynamic applies with utility shutoffs. Companies generally charge a huge deposit if they have to shut off your utilities for nonpayment, meaning that the family has to make tough choices about priorities. How have you handled these situations in the past, and what would you do differently now?

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How to Qualify for an Online Payday Loan

Have you ever wondered: Do I qualify for a payday loan?

Couple using Laptop

Payday loans are also known as payroll loans, short term loans, cash advance loans, and payday advances. These loans are paid out on the basis that you are employed and have payroll records to prove it.

Payday loans are useful for a multitude of reasons. We all know how hard it can be to manage things when money gets tight. A blown tire here, a visit to the ER there, and before you know it, you’re behind on rent and other bills. In these situations, you can avoid late fees and other financial problems by getting the funds you need now, before payday. Many people also find Utah payday loans useful when shopping for gifts around the holidays or paying for textbooks and supplies for school.

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4 Money Saving Tips for New Parents

Parents in a Kitchen with Their Child

Everyone knows that having a baby is expensive. The average cost of having a baby in Utah is $10,000, and research shows that the average middle-income parents spend just over $14,000 on baby-related expenses during the first year. This means it is important to develop good financial habits from the get-go. Seasoned parents have plenty of money management tips for new parents that will help you protect your finances and your credit score. Take a look at the following smart money tips for new parents.

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3 Things Worth Spending Money on that Benefit Your Kids

Happy Mom And Daughter

Everyone is busy and would like a few more hours in the day to spend time with the people that they love. Many parents feel this way about time spent with their children and seek ways of how to make the most of their quality together. Every day is important and, as the kids grow up, this is time that is difficult to get back. It is vital for every parent to protect the one on one time that they get with their kids. Cherish these moments and use them to create memories. For this reason, it is the quality of the time that matters. Below are 3 things worth spending money on for the kids.

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4 Ways to Get a Mortgage with Bad Credit

Sometimes life can be unfair and bad things may happen to good people and bad credit is quite often one of them. A poor credit score can be a difficult thing to cope with since it becomes tougher to get approved for loans, let alone a mortgage. Your only hope for now may be applying for online payday loans. When your credit score is bad, it is easier to write off your dreams of being a homeowner in Utah, but the good news is that all isn’t lost. Just like online payday loans, there are mortgage options available for individuals with a bad credit rating if you know where to look.

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7 Money Mistakes Every College Student Should Avoid

For most people, starting college life usually means taking on a host of new freedom and responsibilities that you might be relatively new in one’s life. Besides making new friends and handling the rigorous coursework, you also need to tackle the difficult task of managing your personal finances for the first time in your life. While some people might succeed going through college without damaging their bank accounts, to others, it is a nightmare. Here are the top seven money mistakes that every college student should avoid.

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Money Goals for Your 20s

Being financially responsible for 20-somethings in today’s day and age means finding the right job to get your own place, pay bills and buy groceries. For those having kids and starting families, it can seem like an endless daily struggle. For college grads, it can be a rude awakening. But if you set financial goals and work to achieve them while you’re still in your 20s, you will set yourself up for a more secure and less stressful future as you approach the big 3-0!

Even if keeping up with your finances seem to completely dominate every single dollar you earn, there are a few good financial habits that you can utilize to reach your money goals. From booking a well-deserved vacation to investing or buying your first home – you have the power to change your financial outlook and reach your target goals, even while you’re still in your 20s.

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4 Payday Loan Myths

Payday loans are designed for people who want to avoid over-drafting their bank accounts from missing bills such as rent during financial emergencies or delaying a payment that is time sensitive. Although payday loans have earned a reputation for being used by money mongers and loan sharks to mint money, they have benefited a lot of people. However, due to myths and misconceptions about online payday loans for bad credit, many people refrain from taking advantage of payday loans during emergencies. Here are 4 payday loan myths and why they are actually an amazing option for those in an emergency situation.

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