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10 Fun and Budget Friendly Things to Do in Utah this Summer

So Much to See and Do in Beautiful Utah

There’s simply no better time to come join in all the fun filled activities Utah has to offer. If you’re on a budget this summer; no worries! We have put together a list of the “Top 10 Fun and Budget Friendly Things to Do in Utah This Summer.” You’re definitely going to want to make plans to get out and enjoy these activities!

1- Spend the Day at the Museum

Checking out one of our local museums is a great fun and affordable way to spend the day in Utah. Here are some of the popular museums in the area:

  • Clark Planetarium – Free admission to the museum and exhibits as well as huge savings on Dome and IMAX Theaters with membership!
  • The Monte L. Bean Life Science Museum – Fun to see the live animal shows, videos, exhibits and wildlife adventures. And best of all – it’s FREE!
  • Thanksgiving Point Museums – Lots to do including two world class museums, a 55-acre garden, and even a working farm! Prices start at $7 but a family membership gets you tons of free stuff.

2- Pass of all Passes for Seven Peaks Resort

From water slides to go-karts and mini golf, Seven Peaks Resort offers fun in the sun water park and amusement park adventures. Save big with this special.

3- SLC Connect Pass

The Connect Pass grants admission to 13 attractions around the Salt Lake City area, such as the Hogle Zoo, the Utah Museum of Fine Arts, the Clark Planetarium, and more! Great savings here.

4- Visit a National Park

Utah is filled with beautiful Nation Parks that are fun to explore and budget friendly.

  • Zion National Park – Utah’s first national Park offers hiking, camping, backpacking, climbing, and more!
  • Arches National Park – This unique red rock park is a sight for all with its rock formations, trails, and beautiful sunsets.

5- Food Truck Roundup

Find a food truck roundup and try something new – sliders, waffles, grilled cheese, cupcakes, Korean, BBQ, burritos, pizza, sushi and more! Food Truck Roundup Schedule

6- Water Parks and Splash Pads

Nothing beats getting wet and cooling off in the summertime! Utah has lots of ways to cool off this summer including a variety of splash pads and water parks for people of all ages! Some are even FREE and others offer great deals with coupons. See the list of local Splash Pads here.

7- Movies at the Capitol

FREE summer movies on the Capitol’s South West Lawn all summer long! Check out the schedule here.

8- Visit the Animals

Who doesn’t love animals? Utah offers a variety of affordable and even free places to visit the animals including:

  • Wheeler Farm,
  • Hogle Zoo,
  • Tracy Aviary,
  • and the Loveland Living Planet Aquarium.

Be sure to search for coupons and deals!

9- Get Out and Explore Beautiful Utah

Take a hike, visit a cave, admire waterfalls, and drive up the canyon to see our beautiful state. Here’s some affordable and fun places to explore:

  • Timpanogos Cave
  • Bridal Veil Waterfall
  • Hike the Y
  • Drive the Alpine Loop
  • Stewarts Falls
  • Float/Tube down the Provo River
  • Alpine Falls Canyon
  • Donut Falls

10- Relax at our Amazing Parks

There are 126 parks in Salt Lake City and each one offers unique and individual features for summer fun. Here’s the list for summer exploring!

Summer is here and it’s time to get out there and have some fun in the sun in the beautiful state of Utah. If you’re a local, you know how lucky you are to live in such a great state with so much to see and do. If you’re planning a visit to Utah, you’re gonna love these fun and affordable activities!

Money 4 You Payday Loans Can Help You Enjoy Your Summer in Utah

Summer vacation not in your budget? No worries. If you’re in need of some financial help to make the most of your summer fun, reach out to Money 4 You Payday Loans in Utah. We offer quick loans with same day cash. We don’t require a credit check, so approval of one of our quick loans is easy! Contact Money 4 You Payday Loans today to get your summer fun started!

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Don’t Be the Starving Student Anymore! 12 Easy Steps.

man-smiling-happy-holding-piggy-bank-student-moneyThere are plenty of reasons why going to college is great. The chance to go to class in your pajamas, for example. All-you-can eat soft serve at the dining hall. Or the intramural sports – inner tube water polo, anyone?

But paying for college is also a very stressful endeavor. How do you enjoy the best time of your life while trying not to rack up a huge post-graduation debt or surviving off ramen for the next four years? Here are twelve tried-and-true ways to save money and live it up in college:

1. Budget wisely. Start out with a simple question: If you were to spend the same amount each day, how long would it take for you to go flat broke? It you’re looking at a couple of days, you might need to make a change. If you’re the kind of person that cannot get excited about budgeting, there are plenty of software programs available, not to mention your own customizable and colorful templates.

2. Buy used. Really, this applies to everything, but you’ll really benefit from buying used textbooks, from places like Amazon, or borrowing from the library. In fact, having someone else’s notes and highlights can actually be a good study aide. You’re saving money and getting free peer support. What could be better?

3. Home is where your rent check goes. Of course you would be happy with the spacious apartment with three pools and covered parking, but there is really no need to splurge on rent. Instead, find a place more within your budget, split the cost with friends, or simply live at home if it’s close by. Just find a place you don’t mind coming home to everyday with people who don’t completely annoy you. Living on campus is a pretty great idea, as it’s usually way cheaper than living off campus. Think free wifi and zero transportation costs! You’ll be spending most of your time on campus anyway!

4. Let your tuition work for you. Don’t be that senior who has spent the last four years paying for a gym membership when you have access to a free world-class athletic facility. A great way to get acquainted with all the amenities your school has to offer, is to take a campus tour. It’ll feel silly, but you’ll get the scoop on how to get the most out of your tuition.

5. Ask for the discount. One of the best parts about universities are the businesses around them, and with such a variety of restaurants, bars, and frozen yogurt shops, you should really be asking about student discounts. 10% here and there can really add up! There are even student discounts offered for that laptop you’ve wanted for school at places like DellAbobe, and Apple.

6. Forget the car. Unless you commute, getting by for four years without such a money pit is an excellent idea. Get fit by walking or riding a bike, or take advantage of public transportation. You can get a lot of reading done on even a short bus ride. For other trips and errands, you can always ask for help from friends or even look into catching a ride using Uber.

7. Keep your grocery bill low. First, try not to eat out too much. It’s way more expensive than a trip to the grocery store. And when you’re shopping, remember: the twelve-pack of ramen may be cheap, but your best bet is actually to buy healthy, energy-dense ingredients for meals like hearty pasta, pork stir fry, or chicken and rice casserole. After all, it doesn’t make sense to spend what little you have on food that won’t fill you up. There are even companies like Feed U Pantry that are specialized to help students keep food expenses low.

8. Don’t let interest creep up. Again, this one is a toughie. Do you go on that weekend camping trip with your new friends or pay off a chunk of your student loans? It depends on whether you’ll still be happy with your choice when you’re years out of college and struggling with that pesky compounded interest.

9. Cut ties with cable. There are millions of free Youtube videos to keep you busy, not to mention lower cost Neflix or Hulu. Or you could, you know, read a book. Go for a walk. Hang out with friends. Cable is just not a necessity.

10. Consider community college. It doesn’t matter how you started out your college experience: the degrees all look the same when you cross that stage. So why not save a huge amount of money while you can by attending community college?

11. This summer, don’t be a couch potato. You’re going to feel a huge sense of accomplishment and pride if you decide to make the most of out your summer months in a more finance-savvy way. Get a job so that you can live a little bit more comfortably throughout the year, or take summer classes so that those student loans don’t keep creeping up on you!

12. Let others help. You may feel overwhelmed by the prospect of looking for scholarships, but there is a virtually endless supply of easy-to-fill out applications for scholarships, grants, and fellowships. All you have to do is ask. Just don’t forget to fill out the Fafsa to make sure you know how much you are eligible for.

These small changes can go a long way towards easing your money problems in college so that you can focus on what really matters: learning everything there is to know about whatever interests you most in the world, and making memories and friendships that will outlast any tuition bill or student debt payment plan.

Money 4 You Payday Loans Can Help

Are you a student in need of some financial help?  Get a quick and easy loan with Money 4 You Payday Loans! Start by filling out the online application or give us a call at 855-MY-MRMONEY . We offer a 100% free loan for first-time customers, as well as same day cash, and 100 percent security on your information. Let Money 4 You Payday Loans take some of the financial weight off your shoulders today so you can focus on the excitement of the school year!

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Where to Get Free Help with Taxes in Utah

Free Help with Taxes in Utah - Money 4 You Payday LoansTax time is often a period filled with stress and fear. Many taxpayers wait until the last minute to file, or end up paying large fees to hire professionals to do their taxes for them. It does not have to be that way.

Residents in Utah who are struggling with the complexity of filing their tax returns can now find relief for free. There are companies and organizations throughout the state offer personal tax assistance with no costs or obligations. Whether you get help with your taxes online or in person, you will feel better with this year’s taxes behind you. The tax deadline is quickly approaching. Finish your taxes today and get the refund you deserve as soon as possible.

Sites Where You Can File Your Taxes For Free By Yourself

Do you know what you are doing when it comes to filling out your tax forms? Save time and money with the following sites:

  • CreditKarma.com is perfect for anyone who feels comfortable enough to file her own taxes, but still wants to avoid the fees of other tax preparation websites. CreditKarma.com is completely free for anyone to file certain Federal returns.
  • The H&R Block program More Zeros is ideal for taxpayers who can do their own taxes. The site allows some taxpayers to file their Federal and State returns including itemized deductions completely for free.
  • E-file.com is a good site for people with involved a simple tax situation. The software will walk you through the process of filing a free Federal tax form online.

Programs to Assist You With Doing Your Taxes

Does the thought of filing tax scare you? Whether you are a first-time taxpayer, or worry about making a costly mistake, these websites can direct you to programs to guide you through the entire process in person for free.

  • Tax Aide is a program available from the AARP Foundation and provides free tax help for those 50 years old or older. This service does not require membership in the AARP.
  • The University of Utah hosts a free tax clinic Monday through Saturday from now until April 15th. The clinic is located at the University of Utah Union Computer Lab.
  • UtahTaxHelp.org offers two options for qualifying taxpayers. Utah residents can either file their taxes for free by linking to a secure service from the website, or they can find the closest Volunteer Income Tax Assistance (VITA) location.

 

Contact Money 4 You Payday Loans for a Quick Loan to Help Pay Taxes in Utah

Are you one of thousands of Utah residents who owe unexpected taxes to the government? Or do you have any other urgent needs for cash now? Don’t worry. There is a solution. Money 4 You Payday Loans is a locally owned and operated company which has been providing Utah residents with the money they need exactly when they need it for over 20 years. Do you have bad credit or no credit? It is okay. Loans are approved in only minutes. Your first loan is free with no interest for the first week! Call us at 801-593-0865, or apply for a loan online. With over 21 locations, you are always close to a quick loan!

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Money Saving Quotes to Inspire and Motivate

putting-money-into-piggy-bankMoney saving: we all know we should do it, but many of us simply feel that we don’t have the will-power.

There is no denying that money can bring opportunities and you get to choose what you want to do with those opportunities.  Some are dedicated too much to money and all they do is think about it, while some people understand that money is a tool and they use it appropriately to achieve their goals and dreams.  Then, there are those that can’t seem to keep or even find money and are falling behind. When cash is low and the bills are piling up, sometimes saving money seems overwhelming and impossible.

Here is a Compiled List of Inspirational Quotes to Help Inspire and Motivate You to Save Money. We Know You Can do it!

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Maximizing Your Tax Return

Woman-Holding-MoneyHow to Maximize Your Tax Return

The following are several tips you can utilize during your tax preparation and increase the odds of getting a huge refund this tax season.

Timing it Right

If you pay attention to the date, you can greatly improve your odds of getting a bigger tax return. One solid tip is to pay your Mortgage for January before December 31st because then you receive extra interest for your mortgage interest deduction.

Next, scheduling medical treatments and exams in the last quarter of the year can increase your medical expense deduction.

Finally, paying your property tax before New Year’s Eve can catapult you to itemizing enough in deductions, allowing you to forego the standard deduction, granting you a larger refund. If you happen to be self-employed, it’s a great idea to pay your estimated state taxes for the fourth quarter in December instead of January like normal, which increases your itemizing potential.

Claim as Many Deductions as Possible

Tax deductions are used to minimize your total tax payment. Tax deductions are things that reduce the amount of taxable income you must pay on. There are two general categories: the standard deduction predetermined by the IRS and itemized deductions. You would use the standard deduction if you don’t have enough itemized deductions to exceed the amount of the standard deduction. You would benefit by trying to itemize to see if there is a big chunk of tax savings for you at the end, even if it is a little bit of work. If you are going to try itemizing, you must keep records of all your expenses. When choosing whether or not you should itemize, you need to keep the amount of the standard deduction in your mind. This is because you need to be sure that your itemized deductions exceed the amount for the standard deduction for your filing status. If it doesn’t, you’ll be paying more in taxes when you itemize. Thus, you should calculate your deductions with both methods and pick the option that gives you the lower payment of your taxes. Learning all you can about your tax deductions ensures you save the maximum amount of your total tax payment for the year.

Follow this link to learn more about what kind of tax deductions you might qualify for.

If you’ve been keeping organized records of tax documents and the according receipts all year, along with making a time-log for your volunteer hours, job hunt activities and doctor’s appointments, you can add up the monetary amount given for all of those activities.

There are many different types of expenses that can be deducted from your taxes. The rules for applying each deduction change quite frequently, so you should be itemizing every year while researching how you can utilize each deduction to lower your total tax payment.

Analyze Your Filing Status

The IRS offers varying amounts for your standard deduction that depend on your tax filing status.

In most cases, married couples filing jointly are able to claim double the standard deduction of single people and married couples not filing jointly.

For those who are filing as a single, review the requirements for head of household filing status, which can contribute to a bigger deduction. Keep in mind that filing jointly is not always the best way to file a tax refund. Married-filing-separately status is more work, but it can be worth it if you meet the requirements for the deductions in that category. Figuring out your taxes both using both methods will ensure you get the highest refund you deserve.

Increase Withholding

After starting a new job, the HR department asks you to fill out a W-4 form to see if you’re single, married or have kids.

When there are more people in your household, you will find more opportunities for exemptions to be made.

If you want to try to ensure you get a refund come spring, let HR know you’d like to forego an exemption and withhold more money from each paycheck.

The more claims you make, the less money that will come out of each paycheck.

See a Professional

If you don’t have the time or find that filing your own taxes is too complicated, it’d be a great idea to see a tax professional that can ensure you aren’t leaving any extra money behind. Many people can do their taxes just fine, but a tax professional knows everything about deductions and can most likely get you extra money on your refund that more than pays for their services.

Stay Financially Stable this Tax Season with Money 4 You Payday Loans

Tax time can be the part of the year you depend on to pay off some debt. If you could use an instant loan to hold you over through tough financial times, contact Money 4 Your Payday Loans today. We have over 20 locations in Utah and have been providing top-notch loans over the past 20+ years. Stop stressing over tough financial times with just one phone call. Call 855-MY-MRMONEY or fill out an application online today and take that weight off your shoulders.

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Things You Didn’t Know Were Tax Deductions

money-4-you-tax-deductionsNow that the holidays are over, it’s time to start thinking about your taxes as we head into the tax season. As you gather your information to complete your taxes, it’s the perfect time to check and make sure you’re planning for all the tax deductions you are eligible for. You may not be aware of all the tax deductions you’re eligible for, and you don’t want to realize you missed any when it’s too late. It’s nice to have some extra money coming in from your tax return, but if you need some cash quicker than your return, contact Money 4 You Payday Loans for a fast and easy loan.

What are Tax Deductions?

Tax deductions are also known as tax credits, which mean they will not help reduce any taxes you owe, but they will contribute to reducing the amount of taxes you owe. In other words, you use tax deductions to lower the amount of taxes you pay. There are two broad categories: the IRS’s predetermined standard deduction and itemized deductions. People use the standard deduction when they do not have enough itemized deductions to add up to more than the standard deduction. It’s good to try itemizing because while it is a little more work, it can add to up significant savings in the amount of taxes you pay. The more you learn about tax deductions, the more you can save on your tax bill at the end of the year.

Things You Didn’t Know Were Tax Deductions

You may already be aware of the popular deductions, such as your dependents, medical and dental expenses, property taxes, mortgage interest, state and local taxes, and earned income credit. Here are some other items that you may not realize can be used as tax deductions.

  • Personal losses from theft or casualty
  • Union dues and fees
  • Home office expenses, which includes a portion of your home living expenses
  • Gambling losses
  • Things you are required to purchase for your job that you are not reimbursed for
  • Tax preparation costs
  • Health Insurance Premiums and Health Savings Account (HSA) contributions
  • Teachers that purchase things for their classrooms
  • Charitable gifts and donations
  • Lifetime learning for college courses taken after high school and educational materials
  • The cost of looking for work
  • The expense of relocating for a new job if it meets the minimum distance test
  • Bad debts from money you lend and are unable to collect
  • Jury duty pay that you gave your employer
  • Vehicle registration fees
  • Senior deduction if you or your spouse were over 65 at the end of 2016
  • State taxes you have to pay
  • IRA and 401K contributions and losses
  • Self-employed health insurance premiums
  • Safety deposit box rental fees
  • Legal fees and investment expenses
  • Some hobby expenses

As you can tell, there are a wide variety of expenses that are tax deductible. The deductions and how they can be deducted change periodically, so it’s important to try itemizing each year and do your research to find how you can use tax deductions to decrease the amount of taxes you pay.

Financial Stability this Tax Season with Money 4 You Payday Loans

Tax time may be a time when you may need some quick cash to take care of debts. If you need an instant loan to get you through a tight financial time, contact Money 4 Your Payday Loans today. We have over 20 locations in Utah and have been providing quality loans for over 20 years. Don’t stress over the finances when a quick loan can bail you out. Call 855-MY-MRMONEY or fill out an application online today for a quick and easy way to a loan.

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6 Tips for Travel During the Holidays

money-4-you-travel-on-a-budgetDo you stress and worry about traveling during the holidays? Do you wonder how you will be able to afford to see your loved ones? Money 4 You Payday Loans is here to help. With a little advance planning, you can enjoy safe, hassle-free holiday travels without breaking the bank. Here are a few tips we have put together for you to save money and stress while you travel for the holidays.

6 Tips for Travel During the Holidays

  • Avoid Flying on Peak Travel Dates. Don’t fly the day before Thanksgiving or the Sunday after. Thanksgiving day is often the best day to get good travel rates as most people choose not to fly on that day. For Christmas, avoid flying in on Christmas Eve. Try to avoid flying on weekends, as that is when most people fly so that they can get back home to work. Try putting different dates into a travel search engine and compare costs that way. Pick whatever is cheapest and works best with your schedule.
  • Pack Your Own Food. With long delays, big lines at check-in and security, you are probably going to get hungry at some point while waiting for a flight. Airport food is very expensive. Bring your own snacks on board and save a bundle.
  • Try a Hotel Alternative. Hotels can be expensive, small, and noisy. Why not try a home rental instead through an online agency such as Airbnb or FlipKey? For much less money you can have your own house or condo with all the amenities that make a place feel just like home. You can even save money by having all the kitchen utensils at your disposal to make your own food instead of having to eat out.
  • Prepare Your Vehicle for a Road Trip. Make a trip to your local mechanic and ask him or her to do a checkup on your car before you leave. Get an oil change and have your tires rotated. Make sure your windshield wipers are in good working condition. Pack a winter emergency kit in your car that includes a first-aid kit, warm weather blankets, road flares, flashlights, snow chains and food.
  • Reduce the Sensory Overload. Traveling can already be a stressful experience. Eliminate extra noise with earplugs, whether you are on a plane, bus, or train. Also, bring an eye mask so you can get some much needed sleep en route to your destination. You can make much better travel decisions when you are not experiencing sensory overload.
  • Leave Early. Expect long lines, heavy traffic, flights to be canceled and for things to go wrong at check-in. Leave at least a couple hours earlier than required so you have time to deal with all these possible snags in your plan. Then you will be prepared for whatever comes your way.

Travel Smart with Money 4 You Payday Loans

If you are wondering how to make holiday travel happen, contact Money 4 You Payday Loans to see our vast range of services when it comes to payday loans. Whether you are experiencing an emergency, or just need a little extra cash to tide you over until the next paycheck, let our friendly team of experts help you. Reach us at (801) 593-0865 or contact us online. Don’t let a temporary money problem ruin your holiday plans.

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Get Holiday Cash with Bad Credit

money-4-you-holiday-cashThe holiday season is here and this is that time of the year when you need some extra cash to treat your family or loved ones. Whether you want to take a vacation or just need some extra cash to celebrate the Christmas and New Year holidays, a holiday loan will help you make your plans successful as you wait for payday to arrive. However, a bad credit history can always haunt you when it comes to getting a holiday loan with good terms and low interest rates. But with Money 4 You Payday Loans, you don’t need to worry about your bad credit history anymore!

What is Bad Credit?

Bad credit refers to when lending businesses have little trust in you to repay the money that you have borrowed from them. It comes as a result of past failure to fulfill your credit agreements and the inability to get approved for new credit. If you have a bad credit score, it means that you have not paid your past credit obligations in time or just haven’t paid them at all.

Your credit account history is compiled by credit bureaus that review your credit behaviors and create a credit report to help calculate your credit score. Your score, which ranges from 300 to 800, shows your credibility; with lower scores indicating bad credit. Generally, a credit score below 620 is considered bad credit.

  • The Effects of Bad Credit

Having bad credit or no credit at all presents a major challenge for you when it comes to applying for a loan, because you are viewed as a high risk customer who is likely to default on paying back. You may find a bank offering you a loan at higher interest rates, or capping the loan at a lower amount in order to lessen their lending risk.  You may also be forced to offer more collateral than a buyer with good credit on the same loan amount.

  • Behaviors and Habits Likely to Land You in Bad Credit

You will mostly find yourself having a bad credit score because of reasons such as engaging in impulse spending, lacking an emergency fund to cater for emergencies such as medical bills, going without a budget, spending more than you earn, paying your bills and debts late, and more.

  • Simple Ways to Rebuild Your Credit Score

Rebuilding your credit score is not that difficult. You can start by paying your bills and debts on time or early, check your credit report for errors, dispute any credit report errors there maybe, manage your credit cards responsibly, use your credit card for small purchases, don’t open too many credit new accounts or close old ones, and keep your balances low.

Get Holiday Cash with Bad Credit

There are still many options out there to get cash for the holidays. You can start by making a proper budget for what you have and limit expenditure to it. You can also mobilize existing resources such as selling off some equipment you no longer use. Peer to peer lending is also an attractive option to consider since you will be borrowing from an individual investor who may understand your situation more than an institution.

You can also opt to apply to a credit union or get a home equity line of credit. Credit unions are reliable because as long as you are a member and illustrate the ability to pay your loan, you will qualify. A home equity line of credit is great too although it may put your home in jeopardy if you fail to pay up. Payday loans, like the ones offered by Money 4 You Payday Loans, are also highly reliable if you have a job and a payday in waiting. However, all these options should be considered temporary to help with the situation at hand only.

Contact Money 4 You Payday Loans This Holiday Season

Consult Money 4 You Payday Loans today at 855-MY-MRMONEY for an easy and fast phone loan approval. You can also stop by one of our 22 locations in Idaho and Utah, or apply online here, and make your holidays memorable with loan amounts of between $50 and $3,000. We offer same-day-cash, 100% security on your information, and a lucrative deal of 100% Free Loan on first-time customers. Don’t let your bad credit hinder your ability to enjoy the holidays!

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Money-Saving Tips for Winterizing Your Home

money-4-you-winterizing-your-home

Fall is in the air, and we all know what that means – winter is just around the corner. The winter months leave many of us with large energy bills and empty pockets. Fortunately, there are a few easy adjustments you can make to your home to reduce your heating bill this winter. If you’re having trouble coming up with the cash to manage the home projects, Money 4 You Payday Loans has options for you.

Money Saving Tips for Winterizing Your Home

  • Seal Off Windows and Doors: Drafts enter your home through openings around windows and doors. Do a walk-through of your home and check for any drafts. For drafts around the edges of windows, apply a small amount of caulk or door sweeps for drafts around doors. Garages tend to hold cold air, so pay close attention entryways from the garage.
  • Adjust Your Thermostat: If 70 degrees is a comfortable temperature for you, try lowering it to 68. Wear warmer clothes and add extra blankets at night. The key is to find a temperature you can live with without discomfort or a disruption in your day.
  • Service Your Heating System: Maintain a regular service schedule for your heating systems to ensure they work at optimal levels. Keep your furnace unblocked, change your filters regularly, and keep it clean of dust and debris.  If you have a wood burning heater, keep the flue vent on a regular cleaning program. The inside of the appliance can be cleaned with a wire brush.
  • Use a Humidifier: Since moist air holds heat better, a humidifier is perfect for those winter months. This should help offset the lower temperatures as a result of you turning the thermostat down.
  • Invest in a Water Heater Cover: If your water heater emits heat, invest in an insulating blanket. If heat dissipates out of the unit, your water heater will work harder and use more energy. The cover is a great preventative.
  • Keep Exhaust Fans Turned Off: Exhaust fans blow moist and hot air out of your home, which could be used to heat your home. For your next shower, consider leaving the door open. This will allow the warm air to naturally flow throughout your home.
  • Set Your Ceiling Fans Clockwise: Clockwise traps the heat inside, allowing for warmer temperatures. Set your ceiling fan to low, which circulates the hot air down into your home.
  • Don’t Forget the Fireplace: When in use, your fireplace is a great tool for fighting the cold. But, when at rest, it can be a be like an open window. Here are a few things you can do to winterize your fireplace:
    • When not in use, keep your fireplace damper closed to prevent your heated air from going up the chimney.
    • If you have a firebox, avoid heat loss by opening the dampers while a fire is going.
    • Invest in a heat-air exchange system which circulates warm air back into your home.
    • Ensure the seal around the flue damper is secure.
    • If your fireplace is never used, plug and seal the chimney flue.

Don’t Be Left Out in the Cold This Winter

If you don’t have room in your budget to winterize your home, Money 4 You Payday Loans can help with a payday advance and affordable interest rates. Drop by any of our locations, call us at 855-MY-MRMONEY, or fill out our loan application here.

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DIY Halloween Costume Wins & Fails

DIY Halloween Costume Wins and FailsWe all want to do it. We all wish we had the time, the money, and the creativity to make them. But how many of us actually end up throwing together our own Halloween costumes?

The madness has to stop. You can make your own Halloween costume! Starting believing in yourself and while you’re at it, take a look at these DIY Halloween costumes. Follow the example of the wins, learn from the fails. and if you just can’t scrape together the cash for your project materials, don’t worry. Money 4 You Payday Loans has you covered.

DIY Halloween Costume Wins

Halloween costume wins are the norm, right? You put on an outfit, everyone can guess who you are, and you feel like a rock star. Maintain that feeling be repeating one of these great DIY costumes.

  • The Fantasy Football look can be easily achieved by being literal. What do we mean? Dress up like a football player—don’t forget the black cheek stripes so it’s clear! Add an accessory from a fantasy film or show. Voila, you are a walking fantasy football icon.
  • Perhaps one of the easiest ways to dress up for Halloween on your own is to go as a past or present pop star. Just take clothing items from around your house and put them on in different ways. This Jimi Hendrix, for example, is achieved with a simple sport coat over jeans with matching shoes, a hippie pin, and a suit tie around a curly wig. Simple yet effective.
  • You can dress up an old Halloween costume you’ve got lying around, or just dress up an old T-shirt. Either way, you can easily transform yourself into an adult-sized Beanie Baby by taping a large heart-shaped “ty” sign to your shirt. For example, try an old cat costume (or just wear a black outfit with kitty ears) or use a tie-dye shirt (again, with animal ears). Yes, it’s 90s throwback, but that’s what makes the costume a win!

DIY Halloween Costume Wins for Women, Men and Couples

DIY Halloween Costume Fails

Where there are wins, there are also fails. Although fails are hilarious to flip through, you don’t particularly want to be the person everyone is pointing and laughing at. You certainly don’t want to go viral. So take a look at these and, well, don’t do them.

  • So you want to jazz up the traditional white sheet ghost, sure. Just keep in mind that pressing all that white cloth against your body is going to look strange, no matter what you do. Hence, don’t try the “ghosts in bikinis” look.
  • We get that as a parent, you want to use your baby’s cuteness as long as possible. But consider that what looks good on professional photography sites does so because they have been captured by professionals. These screaming pumpkin babies are proof that what looks promising isn’t always a good idea.
  • If you’re going for the superhero look, maybe find a costume that doesn’t require a lot of molding. In other words, probably stay away from aluminum foil when it comes to costumes, even if you’re going for Silver Surfer.

DIY Halloween Costume Fails

Get the DIY Halloween Costume You Want with a Money 4 You Payday Loan

The DIY Halloween costume idea is a great way to go if you’re trying to keep things on budget this year. For a lot of costumes, all you have to do is comb through your closet. Just be careful about your choice.

If your costume does require a little bit of expense – say a wizard hat or a curly wig –don’t fret. Money 4 You Payday Loans can make your Halloween dreams come true with a payday advance at an affordable interest rate. Stop by any of our locations, call us at 855-MY-MRMONEY, or fill out our loan application here.