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.


15 Ways to Make a Little Money Until Your Next Loan Payout

When you’re strapped for cash in an emergency, you take out a payday loan. You make an agreement with the loan company that you will repay the loan when you receive your paycheck next month. But what if you want to pay off your loan earlier than that? What happens if you still don’t have enough money for groceries, bills, or even that night out you planned three weeks ago?

Don’t assume that your only option is to wait for the remainder of your next pay period. You have plenty of paying possibilities outside your current workplace. Below, you’ll find 15 easy ways to make money until your next loan payout.

1.  Babysitting or nannying: If your neighbors or close relatives need a night away from their kids, offer to babysit them for a few hours. Offer to nanny for the weekend. You can make a fair bit of money to make pizza, watch movies, and play games with your nieces, nephews, or the cute toddler next door.

2.  Cell phone recycling: You can make quite a bit of money when you recycle your old cell phones. You also help the environment when you give your old devices to recycling companies. Look online for sell-back options. You never know how much your old phone is worth until you put it on the market.

3.  Dog walking or pet sitting: Do you miss you childhood pets? Talk to your neighbors or look online for dog walking or pet sitting opportunities. You can earn up to $20 for each dog you walk. Some people also pay pet sitters $50-75 a day. In the meantime, you’ll get to make a fluffy new friend.

4.  Farmer’s market: If you make the world’s best oven-roasted tomato salsa, consider selling it at the next local farmer’s market. You set the prices and can make quite a bit of money for your zesty salsa. Or, if you simply grow produce, you also have the option to market that.

5.  Give music lessons: Put all of those piano lessons to work. Parents regularly look for music instructors for their children. Adults even want to learn how to play piano, guitar, and many other instruments. If you play an instrument proficiently, place an ad online or distribute flyers for music lessons.

6.  Lawn care: You mowed lawns and trimmed hedges in high school, so why throw those skills away? It’s summer, which means that people want help keeping their property well-groomed. You can earn up to $50 depending on the service you provide.

7.  Marketing research: Companies regularly need people to test their products. Most will pay you to try out certain items and give feedback.

8.  Online surveys: Fill out online surveys in your spare time. Like marketing research, companies value your opinion about their products. Companies create surveys and often pay you for answering a few questions about a specific item.

9.  Plasma: You can sell plasma up to two times per week. Donors usually earn up to $50 per donation. Visit your local plasma center for more information.

10.  Sell hair to wig-making companies: Wig-making companies pay you for your hair. You need to sell at least ten inches of hair at a time. Your hair will fetch more if you have never colored or relaxed it. Try out a new hair style and sell your hair for cash.

11.  Sell metal drink cans: Visit your local scrap metal shop and sell all of those metal drink cans in your home. You can earn more than 50 cents per pound of metal.

12.  Sell unwanted items: Hold a garage/yard sale if weather permits. Market any unwanted items online through eBay, KSL, or Amazon Marketplace. You don’t use everything in your home, so why let those items sit there forever? Sell them for fast cash. Items you can sell include:

  • Art
  • Books
  • Clothing
  • Extra furniture
  • Movies
  • Shoes
  • Small appliances
  • Toys
  • Video games and gaming consoles

13.  Summer fair booths: If you make jewelry, draw caricatures, paint, or create amazing and unique crafts, sell them at a booth during the next summer fair. Like a farmer’s market, you control the prices, and can earn quite a bit of money for your talents.

14.  Translate: Do you speak a second language? Contact your local police department or courthouse to see if they need any translators in your secondary language. You can also teach classes in your foreign language if community centers or other organizations have a demand for them.

15.  Tutor: Put your degree or mad math skills to work. Hand out flyers or post ads online for tutoring services in your expert educational field. You can make $20-80 an hour depending on your experience.

Try out some of these quick money-making tips while you wait for your next loan payout. Those old clothes in your closet could pay your loan off early or pay for that new movie you have to see-popcorn and drinks included.

6 Ways to Save Money on Your Night Out

When you’re going through a difficult financial time, you might not think you have money to spare on luxuries like nights out. But the opposite can actually be true-when you’re under a huge amount of pressure and stress, you need an outlet more than ever.

For many people, the best way to relax is to spend a night out with their friends or partner. However, buying drinks and paying for cab fare takes its toll, and you could end the evening with a substantially lighter wallet. If you’re not careful, your night on the town might become another financial stressor instead of providing some much-needed relief.

To enjoy time with your friends without losing your hard-earned cash, follow our tips below. We’ll let you know how you can take a break from the daily grind, get the most out of your night, and hang on to your money at the same time.

1. Plan Ahead

Budgets are often the best help for saving money, and budgeting for a night out is no exception. Before you leave the house, decide how much money you can afford to spend. Then, decide how you want to spend that money. Relegate a certain amount of money to drinks and cover charges and a certain amount to cab fare.

Make sure you have a little wiggle room. You might end up needing to spend more on a friend’s cab, or prices may have recently gone up at your favorite bar. At the same time, do whatever you can to stick to your budget. The better you adhere to your plan, the less likely you are to overspend.

You can also leave your credit cards at home and take only cash. That way, you won’t be able to spend more than you can afford, even if you want to.

2. Use a Designated Driver

If at all possible, use a designated driver rather than a cab. Even in small towns, cab fare can be expensive-much more expensive than chipping in to pay for your friends’ gas as a group. Plus, local bus routes might not run late at night or cabs could be hard to find, depending on your area.

Of course, if you need to use a cab, you should always call one rather than drive after drinking. But whenever you can, have one friend act as the designated driver. Apart from saving you money, a designated driver will keep you and others on the road safe.

3. Don’t Bar Hop

Staying in one location cuts down on your costs by eliminating gas money or cab fare. Each bar also has a different menu with different marketing strategies. While you might be immune to your favorite bar’s tactics, other bars can have colorful new ads for expensive drinks that you won’t be able to resist. And after you start drinking, you’ll be less aware of how much your additional drinks cost. To avoid impulse purchases, stay put.

Bar hopping also saves you money on cover charges. Of course, your best money-saving option is to choose a bar without a cover. Still, if your favorite bar charges a cover, staying there means you only have to pay once instead of racking up fees across the city.

4. Eat Before You Go

Most people get hungry midway through their nights out, which usually leads to buying expensive pub food. Instead of spending your money on spur-of-the-moment food purchases, eat a large, carb-heavy meal at home before you leave. Cooking at home is much less expensive than eating out.

If you don’t have time to cook before you leave or simply aren’t hungry, prepare some snacks that you can eat as soon as you get home. When you know you have something tasty to look forward to, you’ll be less likely to splurge on an expensive snack right before leaving the bar.

5. Drink During Happy Hour

If you’re worried about spending money on food, happy hour offers a useful solution: many bars offer food discounts during happy hour, and some even put out free food for the occasion. With these discounts, happy hour can save you more money on drinks than any other budgeting tactic. If you’d rather not meet up for drinks immediately after work, try to find bars that offer late-night happy hours in your area.

Some bars offer specials apart from happy hour. For instance, some places might give you discounts if you order a pitcher for a large group, while others accept Groupons. Do your research ahead of time to find a bar with good deals on drinks.

6. Stay Home

If you decide you can’t afford to leave the house, simply bring the party to you. Invite friends over for a night of games or movies and pick up some drinks early from your local liquor store. Store-bought drinks and homemade cocktails cost much less than bar drinks, and you won’t have to worry about a cab (though your friends might).

Don’t let financial strain rob you of a much-needed break. Instead, simply make some adjustments to your usual schedule and spending habits. Apply the tips here to have an enjoyable, less expensive night out.

The 10 Best Apps for Saving Money

We live in an increasingly digitized world. Handheld devices like smartphones and tablets have become staples in many households, and users rely on them to act as their calendars, their alarm clocks, their fitness trackers, their social media outlets, and more. However, you can also use them as another tool: a budget tracker.

Smartphone or tablet apps make budgeting easier than ever. Some allow you to find and save coupons, while others alert you about special deals. Some even link to your bank account so you can track your spending’s every detail.

Start budgeting smartly today by downloading one or several finance apps. We’ve given you an overview of some of the most popular apps below.

1. Mint Bills

Most people have heard of an app called Mint, but most people don’t know that it comes with an extension. The extension allows you to link your bank accounts, bills, and credit cards to the same app, helping you see your expenses and budget in real time. The app also sends you reminders when a bill comes due, ensuring that you never have to deal with late payments.

Additionally, if you like graphs and other visual aids, Mint and Mint Bills can translate your financial data into graphical representations. And you get all these benefits for free.

2. YNAB-“You Need a Budget”

Some people really hate (or even fear) making budgets. If you’re one of those people, you may find that this app helps. You simply set your ideal budget amount, and you take track of everything you spend as you go. The app tells you how close you’ve gotten to your goal. Simply seeing how much you spend often inspires you to spend less.

3. DebtTracker Pro

If you already have a lot of debt, this app can help you get out of it. The app creates a payoff plan and gives you a visual representation of your financial recovery, including how close you’ve come to your goals. It suggest strategies you can use to reduce your debt, and it sends you reminders when your bills’ due dates arrive.

4. Grocery iQ

Once you’ve made your house payment and paid for utilities and insurance, much of your budget goes toward groceries. And if you just grab food without paying attention to price or brand, you could spend a lot of money unnecessarily. This app helps you find the cheapest groceries at the stores in your area by giving you coupons. Grocery iQ also helps you create a cost-effective shopping list.

5. GasBuddy

After groceries, fuel represents a significant portion of what consumers pay every month. This app ensures you pay as little as possible by helping you find the cheapest gas station in your area. Even a difference of 10 cents per gallon can make a huge difference on your gas expenditures.

6. SnipSnap

Nobody wants to cart giant boxes of coupons around. However, unless they carry their coupons with them, they forget which ones they have and end up spending more money. This app solves that problem by allowing you to scan coupons into your phone or tablet. When you need the coupon, you simply go to the app’s archives and select them.

You can also search other coupons that users have posted and save them to your archive.

7. Campus Special

College and university students struggle with more debt than most demographics. However, they can ease their financial burdens with this app. It helps students save on food by telling them about the best deals on restaurants and other eateries around their campus. It also allows them to order pick-up or takeout right from their phones. And the more use the app receives, the better deals it dishes out.

8. Yowza

Do you kick yourself every time a deal happens at your favorite store and you didn’t know about it? You’ll never have that problem again with the Yowza app. It will keep you up-to-date about special deals and coupons in your area.

9. Groupon

Just because you’ve experienced some financial difficulty doesn’t mean you can’t do anything fun. With the Groupon app, you can find huge deals (as much as 50%-90% off) on restaurants, shops, hotels, spas, and more. Go on adventures again by taking advantage of this app.

10. Cosign

You like to shop, but right now your budget doesn’t give you enough spending money to do so. Luckily, Cosign can give you some extra cash. You just have to take selfies.

Every time you take a picture of the clothes you wear or a product you like, you can post it on this app with a link to the website the product comes from. If another user clicks on your picture and buys the product, you receive a commission check between 3% and 35% of the purchase price. Take as many selfies as you can to pad your bank account.

Apps can make all the difference when you want to save money. And if you need additional help making ends meet, take out a payday loan until you get your budget under control.

Shop Like a Shopaholic Without Spending Like One

When the leading lady in a romantic comedy finds herself in a big city with (someone else’s) money to burn, she inevitably treats herself to a shopping spree. Soon enough she emerges from high-end fashion boutiques carrying more bags and boxes than her arms can hold.

Movies like “Clueless,” “The Devil Wears Prada,” and “13 Going on 30” glamorize every woman’s fantasy of a limitless credit card. While some people are fortunate enough to have a bottomless clothing budget, the rest of us have to pay up when our wardrobe spending gets out of hand.

If you find yourself feeling like a shopaholic but don’t want to give up your fashionista wardrobe, try these tips to help you stay on budget.

1. Toss the fashion magazines. Some fashionistas rely on monthly tips from fashion gurus to stay informed about rising trends. But flipping through those glossy pages throughout the year only gives you a “must-have” clothing list a mile long-and credit card bills to match. The money you save by cancelling your magazine subscriptions can pay off your credit card bills or pay for a new pair of sunglasses. Use blogs or Pinterest to stay abreast of trendy styles for free.

2. Shop thrift stores, outlet malls, and consignment shops. The mall might be your go-to place to pick up 10 new outfits for the season, but it isn’t your only option. Many less-expensive stores offer designer items at extreme discounts. If you’re willing to pay for gently used pieces, you can score arms full of clothes and still have money left in your bank account.

3. Look through family closets for “vintage” items. Fashion experts say it takes around 20 years for trends to cycle back into fashion. Your mom’s high school wardrobe might contain some hidden gems-so head over to Grandma’s and raid her closet!While you’re there, see if your grandma has any old clothes that might qualify as classics today. You could easily pull off a muff, a flapper dress, or wide-leg pants for the right occasion.

4. Leave the card at home and pay with cash. You might consider your credit card a trusted friend, but it’s time to face the facts: it probably encourages your overspending. Research shows people spend up to 18% more when they pay with a card. Whenever you head out for a quick shopping trip, take cash instead of a card. That way you can only spend a limited amount of money. If an item exceeds your budget, it has to stay at the store.

5. Know when the sales occur. Sometimes you like the look of a specific item offered only at one store. If you can’t afford to spring for it, wait for it to go on sale instead. Shop owners usually wait six to eight weeks before they put merchandise on the sale rack. Also, try shopping sale racks right before the weekend. Many stores start weekend sales a day early because they prep the store for higher shopper volumes. Thursdays are a well-kept shopping secret; use it!

6. Take your name off email lists from your favorite stores. If you want to shop the sales, it seems logical to sign up for email notifications from the shops where you find your favorite items. That way you’ll know which days you should head over and make a purchase. While this is a good theory, the reality is that many retailers send out daily emails to inform consumers of “sales.” And it pays off-consumers on the email list spend 138% more than those who stay away from email marketing.

7. Be careful who you shop with. For many women, shopping is a social event, so they bring along a sidekick who can offer opinions on potential outfits. But consider what those opinions cost you. Does your best friend compliment you on everything and encourage you to max out your credit card? Better stick to window shopping when she’s with you. On the other hand, if you have a friend you value for her practicality, bring her along as budget insurance. She’ll help you curb your spending and pick only items that will last multiple seasons.

8. Shop at the end of the season. Clothes turn over quickly in a store, but fashion trends usually stay on the radar for much longer. Even the most radical fashion innovations take at least six months to go out of style, and most stay in for at least a year. Stay up-to-date on trends, but choose carefully which ones you incorporate into your wardrobe. You can buy more enduring styles for a lower price if you buy them toward the end of a fashion season.

You may not have access to Daddy’s credit cards like Cher in “Clueless,” but you can still look fashionable. Use these tips to shop and look smart without breaking the bank.

5 Life Hacks for Sticking to Your Budget & Restoring Sanity

When you struggle to make it from paycheck to paycheck, even little choices may feel overwhelming. You may not have room for one more decision, big or small, with rushing to and from work, carpooling, and the kids’ soccer games.

But if you’re falling behind on bills and feeling a huge upsurge in stress, you know it’s time for a change.

Even though there may not be a magic wand to wipe out debts and nagging bills, you can access other tools. The trick is learning a few life hacks that can help you chop away at those bills, pay for groceries, and still keep your sanity intact at the end of the day.

1. Create a List of Expenses and Income

It may seem obvious, but if you’re in panic mode when another bill comes your way, you are thinking emotionally, not logically. Defuse the fear by creating a list of monthly bills and expenses.

List everything you can think of (and don’t forget periodic expenses like car registration fees). Grit your teeth and breathe deeply-you can do this!

After you’ve listed your monthly bills and compared it against your income, resist the urge to be discouraged. This is just the first step.

2. Try a Budgeting App

If you own a smartphone, consider uploading a budgeting app. BudgetSimple is especially user friendly and analyzes your finances for you. Other good options are Mint (voted as the top personal budget tool in an informal online poll) and You Need a Budget.

It matters less what app you choose; the main point here is to have something on a mobile device that can help you during your day. Learn how to use the app, and then get in the habit of tracking every expense that comes along. Remember: log your expenses every day. This gives you critical information on where your money is going.

Don’t have a smartphone? These apps also work on laptops or desktop computers, although they’re especially effective on a mobile device.

3. Learn Simple Money-Saving Tips

Did you know that you should never go grocery shopping while you’re hungry? It stands to reason that you’ll spend more and buy things that aren’t on your list. Similarly, just by packing a lunch to your workplace every day you’ll save hundreds of dollars each year.

If you’re addicted to coffee or carbonated drinks, track your expenses for a week. Fair warning: expect to be shocked over the amount you’re spending on that soda or Starbucks frappuccino. Ask yourself what cheap alternatives you have. Stay energized by adding some fresh lemon juice to your water bottle instead.

If you eat fast food, you may be reacting subliminally to all those Carls Jr. commercials. Record your TV shows on a DVR and skip the commercials-and the temptation.

Don’t leave taps running (you’ll cut your water bill significantly with shorter showers and other water saving tips). Turn off lights when you’re not in the room. Cut off your cable or satellite TV; you can watch lots of great shows for free online or via an old-fashioned “rabbit ears” antenna. Just do a little research and you’ll save a lot every month.

4. Find Non-financial Ways to Reward Yourself

In better times, if you may have purchased new music recordings or books. Try checking them out from your local library instead! You won’t miss the extra clutter on your shelves, but this tactic allows you to still read the latest thriller or listen to a vintage vinyl recording or CD.

By the same token, most libraries also have a decent DVD offering. Skip the Redbox and get your next movie at the library instead.

If you enjoy nature, schedule some reward time by going for a bike ride around the neighborhood. Go to a free lecture or musical event. Call an old friend. Learn how to enjoy the little things, and reward yourself if you’ve kept your budgetary goals in the past week or month.

5. Join a Support Group

Still need help? Chances are great that family and friends can offer emotional support as you work on budgeting and debt reduction tactics. Even though not everyone’s advice may fit your particular situation, just knowing you have a sounding board may make you brave enough to tackle your obstacles.

Just pick a friend to report to at the end of each week. If you’re feeling stressed by an unexpected expense, your friend just may offer the sanity you need to find an answer to the latest problem.

The point is-there’s always a way to live more frugally. Join a coupon club with your neighbor. Go to free credit counseling with a family member. Keep your loose change in a jar. Leave your credit cards at home if you’re going somewhere that may tempt you outside your budget.

Before you know it, you’ll feel a greater power to pay bills and live within your means. Then you can enjoy a greater peace of mind and financial freedom in your life. Start today!