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!

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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Money Matters: Setting Financial Goals For 2019

Couple holding Piggy Bank

Sure, January 1 has already come and gone, but it isn’t too late to get your finances in order for the New Year! Whether you felt in control of or controlled by your finances in 2018, there are usually improvements that can be made to help you reach your financial goals, develop good habits to save money, and feel more organized—a financial New Year’s resolution, as it were.

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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…)