Stretch that paycheck like taffy

I've been out of a job for only 2 weeks but it actually feels like 2 months! Not working makes time stretch like taffy, especially when I'm constantly checking my e-mails for responses and actually dreading the weekends (because all businesses are closed, I can't apply for jobs right away!).

Dang, I never thought I'd use those two words in the same sentence, "dread" and "weekend." I need help!

Luckily I have a good amount of money saved up because I planned for this stretch of joblessness, while I searched for better opportunities. And it wasn't as difficult as I thought it would be to save up enough money. I just socked away a large portion of my paychecks for 4 months and cut down on my spending, another easy option when it comes to saving up your money.

Most of my extra spending ends up being on food because well...I love food. So I'd ask myself, "Okay...do I really need to buy a dozen vegan doughnuts?" Even now I can hear my taste-buds screaming "YES!" but the smart part of my brain tells me "No." I have a super nice girlfriend who's really good at backing me up too, just in case my brain fails (which happens from time to time).

In case the metaphorical taffy machine breaks down and you run into trouble, don't panic. You do have options. I would say, don't turn to new credit cards unless you absolutely have to. Especially if you're going to use it to borrow cash. Credit card companies charge you ridiculous interest-rates on cash loans.

There's another option and we've talked about it before. You guessed it.

Payday loans.

If you encounter a situation where you need emergency cash, fast and you just don't have it for whatever reason, you can rely on quick loans online through Web sites like PaycheckATM.com, and TitleAndPaydayLoans.com.

They are really easy to get and there's no shame in using these options. Payday loans are used by lots of people and one of the requirements is that you have a steady job.

There's a few things to keep in mind when considering these options. I'll do my best to outline them for you.

  • Payday loans are short-term cash advances. You usually have to repay the loan in 30 days or less. If you think you're not going to be able to do this, then find another option because that's where folks get into trouble.
  • That being said, don't use these quick cash loans for your satellite bill or for that sweet plasma TV you've been keeping your eye on. Use it for EMERGENCY things like medical bills, veterinary bills, house-related bills (rent, utility, mortgage).
  • Only take what you can pay back. There's usually a 15% fee (if you borrow $100, you'll owe $115). If you know that your next paycheck is going to be about $300, don't borrow $700 and just hope that you're going to get it back somehow before the loan is due. That's a huge mistake.
  • If you have to resort to these types of loans, chances are you lost track of your financial plan or goal so get back on it. Start saving, leave the debit card at home, buy cheaper groceries, stop dining out, get the most out of your car trips to save on gas and cancel your "luxury bills" (satellite/cable, netflix/gamefly, XM/Sirius, naughty web sites...etc...).
WhichPayDayLoan.com offers some reviews and more advice on the matter. Check it out, I just found it the other day while researching the topic.

Title Car loans are other options, very similar to payday loans.
You can review that information in some of my previous blog posts or at Web sites like:



Seven years later

This kind of post is a day late (I had a pretty busy day yesterday, looking for jobs) but...Sept. 12 was almost a little more eerie than Sept. 11, seven years ago. Don't you think?

What were you guys doing on that fateful day? I don't think I'll ever have strange feelings associated with that day, it's definitely the JFK assassination of our generation.

I have my own opinions on the tragedy and think there are a lot questions that have been left unanswered by our government.

Loose Change is a very interesting indie documentary about some of these questions. The makers of the film are bold enough to propose that the entire event was an inside job. There's a whole grassroots movement devoted to spreading awareness and who demand answers to these questions; I'm sure many of you have seen stickers or graffiti with their "9/11 was an inside job" motto.

I'm not going to pretend that I know for sure, one way or the other. What I think is the most important about that movement is the quest for truth and, like I said, the answering of many many open questions.



Whats so great about title loans?

So you've decided to get an Auto Title Loan. Many of your friends might tell you you're making a bad decision but actually, there are some great advantages to using your car as collateral for a short-term loan, especially if you need quick cash.

First of all, obtaining a title loan is a fairy easy process. There are several Web sites out there like www.TitleAndPaydayLoans.com and www.AutoCashUSA.com. You fill out a really basic form and submit it to the site. A representative at a loan store near you will call you to confirm some details about yourself and your car and if everything is in order, your loan is granted. It's quick and easy.

Got a bad credit history? Don't worry about it. As long as you own the title to your car, the loan is guaranteed cash...because they're basing it off the value of your car. If anything happens and you don't pay the loan back...well...if you haven't figured out what will happen, keep reading to find out.

Nowadays, you can keep your car through the duration of the loan and as long as you pay it back, they won't take it away. Keep in mind, that's a really really important step. PAY IT BACK or you'll be getting used to your city's public transportation system. There's no shame in riding the bus (I do it all the time), I'm just saying...pay the dang loan back.

Loan periods are no longer than 30 days which means these loans should be used sparingly and for short-term financial solutions....hospital bills, vet bills, rent....etc. Its just the right kind of loan for that situation.


phew! I'm back online!

well, it's certainly nice to be connected to the rest of the world again.

I'm going to write a longer post today I just thought I'd take the chance right now to say hello again.