Money Saving Tips

Money Saving Tips from Money 4 You Payday Loans in Utah. Serving the entire Utah Wasatch Front with Payday Loans for over 20 Years!

5 Ways to Get the Money You Need for Black Friday Shopping

With the holiday season quickly approaching, many people are starting to prepare for the big shopping season. The biggest shopping day of the year for most retailers is Black Friday, which is on the Friday after Thanksgiving. On this day many national retailers offer extreme sales that help to make it the busiest shopping day of the year.

When you are starting to plan for your holiday shopping, here are 5 tips that to follow that can help you get the money you need to take advantage of Black Friday shopping.

1. Rewards Programs

One way that you can get money for your holiday shopping is by taking advantage of consumer and retailer rewards programs. Many of the larger national retailers have their own rewards programs that provide discounts and cash back to consumers. If you take advantage of these accounts throughout the year, you could turn up a lot of cash back and status with the retailer. This could not only allow you to receive additional discounts, but may help you accumulate cash rewards that could be used to pay for items during the holidays.

2. Save in Advance

When you are thinking about how to prepare for your holiday season shopping, one of the best tips would be to save for your holiday shopping budget all year long. During the shopping season, it can feel like you are spending way too much money. However, by saving a little bit of money each month towards your holiday shopping budget throughout the year, it can feel like a more manageable expense and give you the money you need to take advantage of great Black Friday deals.

3. Sell Items

When you are looking to get some money for your shopping on Black Friday, another option would be to sell some of your personal belongings. This is a good time of the year to de-clutter your home and make a little extra money by selling items that you no longer use. Through the use of social media and online resources, you could quickly sell used items that others may want to give as gifts this holiday season.

4. Seasonal Job

Another way that you can get money to use for Black Friday is to get a seasonal job. During the months leading up to Christmas, many retailers are hiring additional employees to help prepare for the upcoming busy season. In many cases, you could get a job as soon as October, which would give you the ability to save extra money by the time the extreme sales start. You could also consider getting a freelance job to earn extra money on the side when it is convenient for you.

5. Get a Payday Loan from Money 4 You in Utah

Another way to get money for Black Friday shopping is to take advantage of a payday loan. With a payday loan from Utah’s Money 4 You Payday Loans, you will be able to get the money that you need to pay for all of your holiday shopping. The application and approval process is easy and could result in your loan proceeds being deposited into your bank account within a day of filing your initial application. To quality, all you need is a verifiable income from a job that you have had for a month, personal identification, and a bank account. We have locations all over Utah and are happy to answer any questions you have! Give us a call today at 855-MY-MRMONEY

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7 Tips to Save Money on Back to School Shopping

With back to school just around the corner, you may find yourself drowning in to-do’s, and an endless list of back-to-school wants and needs your child may have. Whether it is the PE shoes, a blue history folder, or low odor black markers that seem impossible to find, shopping for back-to-school items can not only be stressful for your mind, but also for your budget.

Help beat the back-to-school blues by following these 7 tips below to save you money on your next back-to-school shopping haul.

1. Shop the Local Sales

Watch the local flyers for back-to-school sales. Most of these sales offer items your child will need at a fraction of what they typically sell for. Also, check stores that price match so you can save time and gas during your shopping trip by buying all you need in one place.

2. Do a Quick House Sweep to Check for Supplies

Look through closets and office areas for school supplies that you may already have. Often supplies can get overlooked, and end up accumulating over time. Going through these articles will help you get the area organized and also might leave you with some treasures that simply need a sharpen to be in school ready position.

3. Coupon, Coupon, Coupon

Check out your local coupon circular, sign up for social media or texting coupons, or register for reward cards at any stores where you plan to do your back to school shopping. Remember most places will let you use store and manufacturer coupons at the same time so watch out for those double savings opportunities. If you plan to do your shopping online, look for coupon codes on sites like Retail Me Not to get additional savings at checkout.

4. Set a Budget

With so many items that are needed for school, it is easy to fill a cart with little regard for a budget. Set a budget for supplies, clothes, etc. and be mindful when picking items so that you can get everything you need while staying in your determined budget. Sometimes you may need to opt for smaller packages even if the cost per piece is higher.

5. Check out Garage Sales

Don’t discount garage sales when it comes to school supplies. Many people will accumulate items throughout the years and are happy to unload them sometimes as a set for one low price. If clothes shopping is part of your back-to-school shopping routine, garage sales are a great place to save money on kids clothes. Children grow quickly so you can often find gently used clothing at low prices at garage sales or local thrift stores.

6. Stop by the Dollar Store

Dollar stores can be a great place to stock up on a lot of must need school supplies at one low price. These type of stores have significant savings for items such as presentation boards and binders that can be several dollars a piece at regular stores.

7. Bulk it Up

If there are great deals on bulk, stock up or find another parent whose kids need the same supplies and split the cost for the larger items. If you have a membership at member stores such as Sam’s Club or Costco, check them out for bulk purchases.

Don’t Struggle to Pay for Your Back-to-School Needs: Utah’s Money 4 You Payday Loans are Here to Help

This time of year can be especially hard on your budget. Don’t let financial issues prevent you from getting the supplies your child needs this back-to-school season. If you need additional funds, choose a payday loan from Money 4 You Payday Loans. Securing a payday loan in Utah from Money 4 You Payday Loans is easy. All you need is a month on the job, a valid checking account, proof of identification, and social security card to get started and get the cash you need this back-to-school season. Fill out our online application or contact us by calling 855-MY-MRMONEY so we can help get you started today!

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3 Ways to Make Extra Money During the Summer

There is no doubt that summer makes for a great season, warmer months during which you can spend time with friends and family. Whether you are a student looking to make some extra cash during summer, a parent who wants to organize a successful family day out or would like to start a new project, summer will have numerous opportunities for you. With most students trying to secure summer jobs, earning extra income will require you to be creative. The good news is that the modern world has some side income opportunities, most of which will earn you more than traditional side jobs. Here are 3 ways to make some extra cash to enjoy your summer:

1. Drive for Uber or Lyft

For a while now, taxi-hailing apps such as Uber and Lyft have expanded the horizon of opportunities. In case you are home in the summer, and you have a car, you can earn some extra cash by driving people around. All you need is to enroll as a driver for Uber and you are good to go. Rather than calling a taxi, people can “request driver” through the apps. These innovations have revolutionized the taxi business by offering more competitive prices. Uber or Lyft will give you access to more clients, allow you to meet fun people and make a decent side income!

2. Pet Sit when People Go on Vacation

During the warm summer months, most families will plan to go on vacation. If such families have pets in their homes, this will present you with a fantastic opportunity to make extra money. If you are a dog lover, you will not only have fun during the feeding and walking schedule but will also get paid for it. Another benefit you will enjoy is the opportunity to engage in physical exercise while walking the dog. Consider finding out if your friends and neighbors who have pets will be going on vacation and may need a pet sitter.

3. Be Part of a Medical Survey

When you have time during your summer break, you can opt to be part of a medical survey. This side job can earn you hundreds or thousands of dollars, depending on the medical study you decide to be part of. As a student, you may want to check with your school or neighboring hospitals if you can be a great candidate for these studies. Find out all the information you can so that you are aware of what the studies will demand. In most cases, studies that require overnight stays will pay you more than other studies.

Enjoy the Summer with Money 4 You Payday Loans in Utah

This list is by no means exhaustive as it leaves out other ways of making extra money during the summer. Indeed, you should not let the lack of money stop you from enjoying the summer season. At Money 4 You Payday Loans in Utah, we provide instant loans in person or directly to your account. With an easy approval process and no credit check, you will get the money you need in real time. For quick summer fun cash, contact Money 4 You Payday Loans today!

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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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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 Cash - Christmas Loans For Bad Credit in Utah - Money 4 You Pay Day LoansThe 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.

Christmas Loans For 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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