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Money Monica is a regular gal, someone who works and scrimps and saves and spends (wisely). Today she addresses how to cut your television cable expenses.
Dear Money Monica: We just got a $400 cable bill! It includes broadband Internet, which my children need for school, but this is how much we pay for entertainment these days! I don’t have $400 to pay the bill, but don’t want to pay a pricey disconnection-reconnection fee, either. Any ideas on what to do? – TV Has Educational Value
Dear THEV: They say Americans watch six hours or more of TV a day. I don’t know anyone who actually sits and watches television that much, but we all have our favorite shows we like to tune into while doing other things, I suppose.
First, understand that you are not given just one choice on how you get television entertainment, including those channels we think of as cable, not broadcast. Here are a couple of alternatives:
A payday loan can get you out of a jam if you can’t pay that $400 bill right now. How much you can borrow depends on your income and the state in which you reside (examples are Michigan allows $600, Florida is $500 and in Texas it’s $1,800). The online applications make it a five-minute task, with the money arriving by electronic deposit into your checking account by the next business day.* You shouldn’t use these paycheck cash advance loans every month — just when unexpected expenses empty your bank account before all the regular bills are paid. When you use one, think about ways in which to reduce expenses in the future, such as by cutting cable expenses.
1Promo code must be redeemed at the time of application. Promo code is valid on initial fee only, can be used only once and may not be combined with any other offers or preferred member benefits.
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*CashNetUSA and third-party lender funds are generally deposited via ACH for delivery next business day if approved by 9pm CT Mon. – Thu. or by 7pm CT Sun.
**Not all loan applications or extension requests are approved. Due to state and verification requirements, not all applicants for online loans may be eligible for instant approval by CashNetUSA or third-party lenders.
***Some customers applying for payday loans or installment loans may be required to submit additional documentation due to state law and qualification criteria.
†CashNetUSA or third-party lender does not perform traditional credit checks as part of its credit transaction approval process, but does verify applicant information via national databases including, but not limited to, Clarity. If you have defaulted on past transactions, you may be declined for a cash advance from CashNetUSA.
‡Maximum funded amount for payday loans or installment loans depends on qualification criteria and state law. See Rates and Terms for details.
++Please see Rates and Terms to check the availability of online loans and extensions in your state. CashNetUSA is not a lender in all states. In some states, CashNetUSA will (i) act as a Credit Service Organization to arrange a loan between you and a third-party lender, or (ii) in Texas, act as a Credit Access Business between you and a third-party lender.
+++If you are a Payday, CSO, or CAB customer, discount will be applied to the initial loan fee, CSO fee, or CAB fee, respectively. If you are an Installment or Installment-Payday customer, the rebate shall be calculated by multiplying the percent discount by the first two scheduled installment payments of your loan. However, the rebate shall not exceed the actual amount of accrued interest paid on the Installment loan or fees paid on the Installment-Payday loan. Rebate shall be paid via bank account ACH credit upon full repayment of the loan, and is contingent upon a minimum of two installment payments made. Discount not valid for the CashNetUSA line of credit product. Promotions are not available in all states. Please see your state's Rates and Terms for additional details. Unless otherwise specified, promo codes must be entered at the time of application, can be used only once, and may not be combined with any other offers or Preferred Member benefits.
1Must be 21 years of age for Mississippi residence and 19 years of age for Alabama and Delaware residence.
Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.