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.


What Do I Need for a Payday Loan?

Are you stuck and in need of an instant emergency cash loan? Well, going for a payday loan can solve your problems and bring back your peace of mind. Money 4 You Payday Loan is an effective cash advance mechanism that is short-term and friendly to your financial needs. We have been serving Utah residents for over 20 years. Our payday loans are based on a post-dated check that will be cashed on your upcoming payday.
Our payday loans are quick, easy and has limited qualification loan requirement. You will only be required to have an active bank, prepaid card, or credit union account, verification of income from your employment or any other source, and a valid identification showing that you are at least 18 years old. Below is the detailed list of the 3 requirements you need for a payday loan.


4 Things to Know About Getting Your First Payday Loan

Are you in a financial fix and thinking of taking a payday loan but you are having a few questions lingering in your mind? Are you worried about issues such as your credit history, the flexibility of payment or the possible hidden costs that might come with this alternative? Worry no more; Money 4 You Payday Loans are here to clear the smog. This post highlights three fundamentals which you should understand before stepping into the water.


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.


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.


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!


When Should I Choose a Loan Instead of Credit?

You don’t like getting into debt, but sometimes you don’t have a choice. Perhaps you have medical bills you need to pay, or maybe you need funds to pay your school tuition or start a business.

When you must borrow money, your first instinct is probably to charge your credit card. But there are several reasons why you should take out a loan instead.

Lets You Borrow More Money

If you need a large sum of money right away, you might not be able to obtain it with a credit card. Most credit cards have a credit limit of less than $5,000. If you don’t yet have an established credit history, your credit limit is even lower.

In this case, you may still qualify to borrow a large sum with a loan.

Provides Fixed Interest Rates

Loans have interest rates, but those rates are often lower than credit card interest rates. And while credit card interest rates can fluctuate, loan interest rates are fixed. That way, you know exactly how much you can expect to pay each month. You won’t suddenly get uprooted by an unexpectedly high interest rate.

Gives You More Time to Pay

If you charge a credit card, ideally you’ll pay the balance by the end of the month. You can carry over part of the balance to the next month, but you’ll then need to pay more interest. As you carry over the balance, your credit score will decrease as well.

You can find loans that offer a longer period of time to pay what you borrowed-without additional interest. Some loans give you up to five years to pay back your loan without extra interest charges.

Does Not Impact Credit Utilization

To keep the best credit score, you should use ten percent or less of your credit line. If you suddenly use more of your card’s credit line, you raise what’s known as credit utilization and thereby lower your credit score.

Fortunately, most loans are different. In most cases, taking out a loan will not hurt your credit utilization. But keep in mind that applying for a loan can hurt your credit score. Thus, don’t apply for more than one loan at the same time.

Provides an End Date to Your Debt

With credit cards, you can continue to borrow money and stay perpetually in debt. With a loan, though, you know exactly how much you’re borrowing and when you need to pay it off. After you pay the loan, you’re no longer in debt.

When Should You Use a Credit Card?

There are some instances where you should stick to the plastic. If the amount you need is small, and you’ll be able to pay it off quickly, use a lowinterest (preferably 0% interest) credit card. If you pay the debt in time, you may pay less than you would on a loan.

But, if you need a larger loan and a longer time period to pay it off, a loan is your best bet.

How a Loan Works

To take out a loan, first talk to a lender. The amount you can borrow depends on several factors, including your income and your credit score. In exchange for giving you the money you need right away, your lender will charge an APR (annual percentage rate) based on the amount you borrow. However, some lenders offer your first loan free.

When you take out the loan, your lender gives you a check of the amount you need, which you can use right away. Each month, you pay your lender back a portion of the loan. Make sure to talk to your provider about the best way to make payments. For example, some providers will help you set up an online account so you can make payments more conveniently.

If you find yourself in a tough financial situation, talk to a lender about taking out a loan. Make sure you ask them about their APR and whether they charge any other fees. Some lenders charge what’s known as an origination fee; it’s usually between one and five percent of the loan amount.

Paying off more of your loan early might save you on interest costs. But if you want to pay off a big chunk of your loan early, make sure you check with your lender first. Some lenders charge a fee for early repayment.

Remember, a lender looks into your credit before they approve you for a loan, and these reviews can hurt your credit score. To avoid applying for multiple loans-and thus lowering your credit score-ask your lender what credit score they require. Only apply for a loan from them if you have confidence your score is good enough to meet their requirements.

Once you’ve found the right lender, you and your lender will agree on a repayment plan. Make sure you can meet the requirements before you agree on the loan.

Don’t worry if you need a sum of money right away. Turn to a reliable lender for a loan that meets your financial obligations.

Save Thousands: Couponing for Beginners

You usually throw out the big stack of coupons that comes in the mail every week. But did you know that you’re throwing out thousands of dollars when you toss those coupons?

It’s true. People who learn how to coupon effectively can save money on nearly everything. And when you’re pinching every penny, long-term couponing can be just what you need to make ends meet.

New to couponing? Keep reading! We’ve got everything you need to know about couponing basics, as well as tips about how to avoid couponing burnout.

Beginning Couponers: What You Need to Know

Tip 1: Change Your Mind

Ready to save hundreds of dollars each month on your groceries, clothes, and other necessities? It all starts with changing the way you think about shopping.

Many people shop at the last minute and end up making hasty, spontaneous decisions. We’ve all been there-the late night grocery store runs, the emotional wardrobe compromises, and the post-shopping regret.

There’s a better way. Couponing will help you save money, but it takes careful planning and a little commitment. Change the way you think about shopping, put yourself in the driver’s seat, and get ready to save.

Tip 2: Start Collecting

You’ll be surprised by how easy it is to find and collect coupons. You can find them pretty much anywhere, including:

Websites. E-coupons are available to print or scan on store’s websites. There are also great websites that compile the coupons for you-all you have to do is type what you’re looking for into the search bar.

Newspaper inserts. You’ll find these coupons in your mailbox and tucked inside your newspaper. Mobile coupons. Many stores offer unique coupons available only on your smartphone.

Collect coupons from your favorite stores, but don’t be afraid to branch out. You might be used to shopping for shampoo and soap at Walmart, but you could find great deals on those items at Walgreens, Rite-Aid, and other drug stores.

Tip 3: Organize Your Coupons

Because coupons are time-sensitive, you need a way to organize your coupons so you don’t forget about them and miss great deals.

Some couponers use a binder to organize their coupons by date or category-others use a folder system, or make a list on their phone. Pick a method that works for you and your family.

Some people get overwhelmed by trying to find and save every single coupon they might use later. Doing so will only waste your time and your energy. Clip a coupon if you’re pretty sure you’ll use it. And if you won’t, then don’t.

Organize to help you capitalize on timing. Don’t just buy an item when you have a coupon for it. Wait until that item is also on sale or until the store offers an additional promotion. Your coupon plus other deals can help you save tons of money.

Tip 4: Master One Store at a Time

Each store has a different policy with unique coupons, rewards, sales, restrictions, and more. Pick a large store that you frequently shop at, and make sure you know the store’s policy well. You may even want to print the policy out and carry it with you.

Get to know the store’s management and employees. Develop good relationships with people early so that if you need to discuss the store’s policy, you can do so with people who know, like, and respect you.

Don’t bite off more than you can chew. Become an expert one store at a time.

Tip 5: Read the Fine Print

Coupons use the big print to lure in customers-after all, who can resist “10 for 1” in big, red print? But don’t just read the big print. The fine print will explain any restrictions or time limits you need to be aware of.

The fine print will explain exactly what the coupon can be used for. Know what the coupon actually says so you don’t accidentally spend more money than you need to.

Tip 6: Stock Up

When you hit upon a really great deal, stock up! Non-perishables like paper products will last forever, and buying in bulk while something is practically free can save you hundreds.

Buy clothing in larger quantities when they’re off-season and less expensive, and buy food products that have a long shelf life and that your family will use quickly. Stockpiling can help you when you run out of a product and would normally have to buy it at full price.

Tip 7: Have Fun

Couponing takes organization, planning, and a lot of work, but it can be a lot of fun too! Finding great deals and saving money can be exhilarating and fulfilling.

When you first begin couponing, relax and enjoy yourself. Memorize that sales cycle, but also remember that if you miss a coupon opportunity, it’s not the end of the world. Couponing should be a positive experience, not one that turns you into a frantic mess.


Use these tips to help you become a successful couponer who saves big. There’s no shame in using creative strategies to save money each month. And remember: payday loans are available if you need something extra to tide you over. Coupon, save money, and watch your bank account grow!

Starving Student? 10 Ways to Save at School

Your ramen noodles stare up at you glumly. You stare back. If you hadn’t had an $800 bill for textbooks this semester, you wouldn’t be eating instant noodles with the nutritional value of a Styrofoam plate.

Education can be really expensive, and sometimes the thought of eating ramen for the rest of your life-just so you can pay off all of your school-related debt-can be overwhelming. Go to school without becoming a starving student. We’ve got the tips and tricks for surviving school without breaking the bank.

10 Tips for Student Savings

  1. Get a student loan. Many students need student loans in order to complete their education, especially if they’re going to an out-of-state school. Know that you’re not alone, and know that you’ve got options (and even benefits) for repaying your student debt quickly. Compare your offers-when you apply for student loans, you’ll have lots of options. Consider what you actually need, and don’t borrow more than that.
  2. Get scholarships and grants. You wouldn’t believe how much money schools are willing to give to students who work hard and do well. Keep your grades up, befriend professors and others in your department, and apply for as many grants and scholarships as possible. The cool thing about this kind of financial aid? It doesn’t have to be repaid.
  3. Decide how much you need to spend each month (tuition payments, room and board, transportation, books, etc.), and don’t forget extra expenses, like going out with friends and saving for your spring break vacation. Try to put aside a little money each month, and consider how you’ll begin to pay off your student debt. Stick with your budget-it will help you keep spending under control and save as much as possible. Also consider these money-saving hacks when you budget:
  • Walk, use public transportation, or bike before you drive
  • Cut out smoking and binge drinking
  • Don’t go grocery shopping while you’re hungry
  • Live with friends and split the costs of rent and amenities
  • Shop where you can get student discounts
  • Use a basic phone package
  • Cook with friends and split the costs of groceries
  • Become a resident assistant (RA) and get rent paid for you
  1. Work a part-time job. Schools usually limit the amount of hours that students are allowed to work on-campus, so you won’t get stuck with a bunch of extra hours (which cut into homework time). A part-time job will take the edge off of your bills and keep your student debt low.
  2. Buy used books. We weren’t kidding about that $800 book bill, so buy your books and other school supplies used and save a ton of money. Amazon.com and other companies offer great discounts and shipping costs for students, and keep an eye out for older students selling their books at a discounted price. Resell your own books at the end of the semester.
  3. Pay bills on time. Late bills equal extra fees and a damaged credit score. Contact your local loan center if you need extra cash to carry you over to paycheck time. Short-term cash advance loans are easy to get and easy to pay off, and they’ll help you avoid enormous late fees.
  4. Pay interest. Student loans are close to inevitable in today’s economy, but the interest rates can be really high. Try to begin paying off your student debt as soon as you incur it, even if you can only make very small payments at first. Paying off your interest early will keep your student debt manageable.
  5. Avoid using your credit card. Students can leave college with thousands of dollars of credit card debt-that’s thousands of dollars on top of your student debt. Prevent your spending from spiraling out of control. Use cash! Ensure a good credit score and only use your credit card when you are certain that you can pay off the debt you incur.
  6. Get help from your school’s financial aid center. If disaster strikes-like a death in the family, a sudden illness and consequent hospital bills, a car accident-you’d be surprised how understanding your school’s financial center can be. Talk to a financial aid counselor if you have an emergency.
  7. Do an internship. Did you know that 2 out of every 5 interns is offered a full-time position when they finish their internship? If you’ve got student debt, you don’t want to spend your first six months out of college looking for a job. Take internships, get real-time job experience, and prepare yourself to begin working immediately after graduation. Your school’s career center might also help you find the right post-grad job.

College is a time to make great friends and memories, explore new ideas, and develop your mind and talents. It shouldn’t be a time to starve slowly while fretting over your thousands of dollars of student debt. Take advantage of these money-saving tips, throw out the ramen, and enjoy your college experience.

5 Creative Ways to Pay Your Loan Early

As you count the days until your next payday, you probably follow a routine something like this:

  1. You send bill payments at the last possible minute.
  2. If you use checks, you post-date your checks, hoping the bank will deposit them late.
  3. You pay the minimum-due amount on a regular basis.
  4. You take out a payday loan to tide you over until your bank account deposits your paycheck.
  5. You cross your fingers, hoping that all the above strategies will help you get by.

People who struggle to make ends meet might recognize themselves in the above scenario. You may wonder if your situation will ever change. You work as much as you can, but those paychecks never seem to cover all your expenses.

If someone told you that you could pay off your loans early, you might not believe such a statement. After stretching your dollars as far as they could go, paying off loans early might seem like an impossibility.

But don’t lose hope. You can move toward an early payoff by following these creative tips:

1. Round up Your Minimum-Due Amount

Even if you think you can’t possibly spare one extra dime, remember: it doesn’t take much effort to round up your payment, even slightly. For example, if your minimum loan payment is $27.50, round up to $30. The extra two dollars and fifty cents probably won’t stress your reserves too much, and you’ll move up beyond the minimum due.

Think what would happen on a regular car payment if you paid twenty-some extra dollars on your $278.15 monthly payment. After twelve months, you’d move ahead by nearly two whole car payments.

When you round up your payday loan payment, you operate the same way. You’ll cut further into your interest charges as well. Even little adjustments can make a big difference.

2. Make Multiple Payments per Billing Cycle

Most people pay multiple debts each month in addition to basic living expenses. For example, you may have a regular credit card bill, a store or gas credit card, and a payday loan.

Although you might think it’s impossible to pay more than one bill each billing period, think again. Take a tip from the pros:

Split monthly bill payments into bi-weekly payments instead.

For adjustable-interest loans that accumulate higher interest daily, pay twice a week instead of once a week.

If you can’t pay extra payments every two weeks (or twice weekly), make a one-time extra payment instead.

You may also divide your regular payment amount by 12 bill cycles and then add the result to each payment. If you have a $50 regular payment, your extra amount would be $4.16, for a total payment of $54.16. For a longerterm loan, this added amount would add up to one extra payment after a year.

3. Hold a Garage Sale

No matter your financial situation, chances are that you own items someone else wants. During garage-sale season, pool your goods and sell them at a neighborhood yard sale. You can easily find simple online tips for pricing your goods, bundling items together at a discount, and other strategies.

Set aside your earnings towards your early-payment fund. Keep a glass jar or other container in a visible place where you can see your progress. Then, when a payment comes due, use part of your fund to pay more than you normally would.

4. Advertise a Services Auction

Do you have an untapped skill or talent that could benefit others? If so, monetize it during a one-time services auction.

First, think about what service you might auction. Do you make designer-level clothing? Are you a first-rate cook? Consider your work associates, neighbors, and social group. Invite any and all to participate in your “first annual service auction” by pledging an amount for your intended service or product. Social media gives you the perfect venue for your promotion.

You can even offer smaller rewards or gifts (things you already have at home) for those who donate above a certain amount ($20, $50, $100, and so on).

5. Sell Collectibles, Books, or Crafts Online

Most people have plenty of books and recordings around the house. Don’t assume that just because you no longer use these items, no one else will. Some recordings and books may be collectors’ items. Even if they’re not collectibles, online buyers may desire them for sentimental reasons.

If you sell online, take time to factor in your costs (shipping, time and preparation, gas money for going to the postal service, etc.) before you set your prices. Amazon, eBay, and Etsy are all great online venues for selling your goods and craft products. Just read the fine print before you sell so you know what fees each vendor charges.

Set aside all earnings in your early-payment fund for high-interest loans.


Remember, even intimidating debts can give way after small-but-persistent payment efforts. Go ahead. Round up your bill by a few dollars. Make an extra payment if possible. Sell used items at a garage sale or online. Benefit othersand yourself-with a service auction.

Need further help? Talk to your payday loan vendor for further loan payment tips.