Everyone knows that payday loans come with high interest rates and demand a fast pay back of the borrowed amount. But there are a few reasons to use a payday loan that actually are worthwhile. Obviously people use payday loans for emergency expenses, but the key is using these loans in the smartest way possible.

Look At All Options

When you need money quickly a payday loan may seem like the only option you have but there are other choices. You can ask a friend or family member to lend you the money or get a cash advance from a credit card. Some banks offer small short term loans at a lower interest rate than payday loan lenders can offer.

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Saving in today's recessive market can be difficult, especially if you're burdened with a tight budget. There are many ways to start investing in your future, even on a fixed income. With some careful planning, you can meet your goals and melt away the stress of saving money for you and your family.

1. Create Goals: Start Small and See Results

By creating financial goals, you can put your monetary dreams on paper, which will help you realize they are achievable. However, it's important to set both short-term and long-term goals and start small. Saving a dollar here or there will add up faster than you think.

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The car of your dreams is sitting in your local dealer's lot, taunting you every time you drive by. You keep promising yourself that someday it will be yours. But you know the only way that will really happen is if you work hard and save your money. Knowing is half the battle, but you also have to make a plan to save the money for your new car. Here are 7 tips on budgeting for your new dream car.

7. Set Up Your Budget

The first step you need to take is to set up the budget. Determine how much money you can afford to set aside each month for your new car fund. Once you have this amount in mind, you''ll know approximately how long it will be until you can afford your new car.

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Budgeting is an essential task for your financial well-being, but it takes time and preparation to do it right. There’s more that goes into a budget than a simple income minus expenses calculation. Without planning, you’ll find yourself in the red more often than the black.

Know Your Income

If you’re a salaried employee, this is simple. But if you’re paid hourly and your hours vary, or you’re a freelance contractor or business owner, your income varies from month to month. In this case, come up with an average on the low side. If for any reason your income decreases in a given month, recalculate your budget using this new lower figure to be safe.

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