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!

The 5 Most Effective Things You Can Cut Out to Save Money

Are you living paycheck to paycheck or has your income decreased from a life-changing event like losing your job? Many Utah and Idaho families are struggling to make ends meet every month and have no financial wiggle room for additional expenditures for holidays or birthdays or in the event of an emergency.

In addition to creating a realistic budget and cutting splurges like your morning coffee ritual and eating out, you can greatly reduce monthly expenses by spending some worthwhile extra effort. Simple changes you make to quit overpaying for necessities and identifying things you can cut out to save money will give you a little more padding in your budget every month.

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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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6 Tips to Help You Save Money on a Wedding

You can spend less on a wedding and still have a wonderful ceremony. Here are more than a few ways you can save money on a wedding.

1. Give Yourself a Budget

Start with a budget, and treat your budget as sacred. Start by setting a hard maximum amount. Tally up all the expenses as you plan the wedding. Leave a small buffer of 5% or more for unexpected expenses.

If in doubt about what should stay and what should go, give the items on your list a ranking. Prioritizing what things are most important to you can help you cut away the things that aren’t, should the need arise.

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Top Tips For What To Spend and What To Save on Your Wedding Day

Looking to cut corners on your wedding budget but not look cheap? There are all kinds of sneaky ways to save money that no one, not even your nit-picky grandmother will notice. Likewise, there are certain things that are worth spending money on that you don’t want to forsake on your special day. When it comes to wedding planning, it’s easy to go over budget and dividing the needs from the wants is key. (more…)

How Will The New Tax Laws Affect You?

It has taken 3 decades to have new tax reforms, and finally, it’s here with us. The largest tax reforms legislation will definitely affect taxpayers in so many ways. The effects will, however, be evident in 2019 since in 2018 people will be filing their 2017 returns. Most of us are probably wondering how these tax reforms will impact us. But don’t worry since we have covered some major tax provisions and how they will affect you: (more…)

Money Challenges That Will Help You Save More This Year

2018 is here with us, and as always, many of us have New Year’s resolutions we want to accomplish before the year ends. Starting in January, most of these resolutions are put into action, but come March, we have given up on most of them and only a few can survive until the end of the year. Most of our resolutions don’t go through because they are too unrealistic or too broad. Money saving is always top on everyone’s resolutions list. Whether you are doing it to get out of debt or to build up some cash for leisure and emergencies, you need to split your goals into smaller achievable bits. You can do so by doing some money challenges. They involve saving a specific amount of cash daily, weekly, monthly, or quarterly. If it’s been hard for you to achieve your saving goals, here are some of the money challenges you can try this year:

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6 Valentine’s Day Money Wasters

Your Valentine’s Day Should Be as Unique as Your Relationship

We have all seen the rom-com movies in which elaborate and expensive gestures lead the happy couple toward what we can only assume is a long life of perpetual bliss. If love were the movies, we would have a seemingly endless cash flow and would shower each other with extravagance. Sorry kids, love ain’t movies. However, it’s fantastic and should be celebrated, and you can have a Valentine’s Day of grand gestures without breaking the bank. Although, you will need to tap into your reserves of creativity, and we have 6 ideas based on some classics.

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