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How College Kids Can Avoid Payday Loans

When starting out in college, most of us do not have a whole lot of money to spend or save, so what little we do have has to go pretty far. Between books, tuition, basic living expenses, and a little spending money, most of us do not have a lot left over. How can you maximize the amount of money you have while you are going to college? Here are a few ideas.

When it comes to checking and savings accounts, do your best to find a free one of both. A lot of checking and savings accounts will charge you money to use them and these amounts can be anywhere from $3 to $10 and up per month.

If you have to have a credit card, make sure you get one that offers you some kind of reward for using it. Depending on what you like to spend money on the most, you may want to get one card over another. Choose wisely and never be late on your payments.

Like to use your debit card instead? Be careful with these, too, since most debit cards these days will continue to work even after you have become overdrawn at the bank. Overdraft fees can really start to add up, so if you have a problem keeping track of how much money you are spending from day to day, use cash instead.

Take the change that you have left over when you do use cash and put it into a container of some kind in your room. You can get free coin rollers at the bank and if you count and roll the change yourself instead of using those machines at grocery stores, you can save a lot, since these machines will charge you a fee. That is why they are there.

If you do not need one of your textbooks anymore, the best thing for you to do with it is sell it to another student for a little less than you paid for it. At least when you do this, you will get most of your money back.

When it comes to eating cheap, try not to eat too much fast food or ramen noodles. Ramen noodles are really, really cheap, but they’re also really, really bad for you. Try not to waste the food that you do purchase by making solid use of Ziploc bags.

If you live off campus in your own apartment, you are paying your own bills, so try to keep the cost of the A/C and heat down by keeping it off as much as possible. This will help keep your bill down quite a bit.

Try to take showers instead of baths, since they will tend to use a lot less water.

Payday Loans For Dummies

There will be a lot of different emergencies in your life that you are simply not prepared to deal with financially, but as long as you have a job, there is a light at the end of the tunnel. Taking care of life’s unexpected bump-ups is easier than ever these days through the use of payday loans. They have a bad reputation due to payday loan companies that extend loans with malicious intentions, but this is a rarity. Most payday loan companies are not out to get you and tangle you up into a web of debt. Payday loan officers are people just like you and have probably had to use a payday loan to solve a problem in the past, so when you walk into their office, you get the feeling that they understand what you are going through.

Getting a payday loan is a fairly simple process as long as you meet a few different criteria. One of the most important ones is that you be 18 years old and be able to prove it with some sort of identification, whether it is your birth certificate, driver’s license, or state ID card. This proves to the payday loan officer that you are neither an illegal immigrant nor a minor.

The second thing that you have to have to get a payday loan is, quite simply, a job. To get a payday loan, you must have a payday coming to you sometime soon, so you will need to have at least 2 current pay checks in most instances. These should probably be the most recent two checks that you have on hand.

You can usually be approved for a payday loan within 24 hours, which makes them extremely convenient when you need to have something taken care of immediately, such as purchasing a plane ticket or getting the money to a relative or friend who needs it.

The problem with payday loans usually occurs when people cannot repay the loan by the date that is agreed upon. As long as you go to the office or call them and let them know that you will be late on your payment, you will be fine in most cases. Whether you call or go to the office does not matter, as long as you do one of the two. The last thing you want to do is ignore the phone if they call you, but you really do not want to make them call you at all. Contact them first and let them know you have a problem and they will work with you and are likely to extend the loan.