It comes as no great surprise amidst an economic downturn, but over three-quarters of consumers polled for a recent survey said that they were going to cut back on their holiday spending this year.

Most polled (59%) said they would buy few gifts, but surprisingly, nearly half said that they were cutting back on their seasonal travel plans.

The consumer reports study also showed that nearly 12 percent of Americans still have leftover debt from last year???s holiday spending, causing most consumers to be even more cautious about overspending this season.

Click here to read the report in full.

With a sluggish economy, rising unemployment rates and the financially stressful holiday season on the way, there’s never been a better time to put your budgeting skills to the test. Keeping track of your spending now can mean the difference between having cold hard cash in the bank and being left out in the cold this winter. Here are a few reminders to help you stay on track:

-Set a holiday spending limit and stick to it
-Avoid making ends meet using credit cards
-Understand your income and how it changes throughout the year
-Set aside a specific amount for daily incidentals
-Create a saving schedule and put money away each month, no matter how small
-If you have a little extra spending money at the end of the month, reward yourself on a job well done with a small splurge

Check your email inbox this holiday season for more seasonal tips on budgeting and meeting immediate financial needs, only from CashNetUSA, America’s trusted online lender.

A recent change in lending laws in Ohio means it may be harder for certain consumers to find the short-term loan options that were available to them in the past. New legislation is making it difficult for many brick and mortar and online payday lenders to operate in Ohio, leaving their customers with few places to turn.

Fortunately, CashNetUSA has developed a new loan product aimed at offering these customers the short-term funding they need, even with payday loans being out of the picture. Our Mortgage Loan Act (MLA) loan is a fully licensed, convenient and quick answer to immediate money needs and carries a lower finance charge on average1 than former payday loans. Customers can apply for a loan amount of $100, $500 or $1,000 and often get the money by the next business day.

Ohio customers can still benefit from CashNetUSA’s fast online application, quick funding and hassle-free direct deposit of funds. Learn more about how you can take advantage of CashNetUSA’s fast online loans at www.cashnetusa.com.

1. Based on average loan size of $500 funded principal for 14 days (www.cashnetusa.com/ohio_mla) for a comparison.

Looking for a fast cash solution? Rely on America’s trusted online lender – CashNetUSA.com. We serve over 30 payday loan states across the U.S. and are expanding to meet the needs of even more.

Join over 1 million customers that have found a convenient and fast solution to everyday money needs from over 30 payday loan states in the U.S. with CashNetUSA.

Apply online, get fast approval and receive your money directly into your checking account next day. From Alaska to Wyoming, CashNetUSA is serving payday loan states with fast, friendly and prompt financial services.

Last week more dire news came out of Wall Street – this time projecting a sharp decrease in consumer spending over the holiday season. It’s no big surprise that at a time when homeowners are struggling to cover hefty mortgages, investors are seeing their investments in free fall and consumers are struggling to pay for everyday items like food, gas and utilities, that no one is preparing to stuff the tree this holiday season.

However, this time of year shouldn’t be met with doom and gloom. Consumers across the country are finding ways to cut back on expenses while still looking forward to a merry season. Whether finding ways to make the grocery money stretch a bit farther, adopting energy-saving techniques to lower utility bills or being mindful of overspending, a few small changes here and there can ensure that consumers can weather this somewhat dreary winter.

For those who need a fast, convenient solution to cover increased energy bills or seasonal expenses, there is an obvious choice. An online cash advance from CashNetUSA is not only convenient (you apply online from your own home – no braving the winter weather) but it’s fast, getting you money directly in your checking account as quickly as the next business day.

Check back with CashNetUSA.com in the future for more money saving tips or apply anytime – day or night – for a fast, private and convenient lending solution. Cash advances only from CashNetUSA.com.

Now there’s an easy way to cover monthly bills between paydays! Apply for an online loan from CashNetUSA in just minutes from the comfort and privacy of your own home. You’ll receive fast approval and the money will be deposited directly into your checking account the next day.

Online payday loans are a convenient and private way to get the money you need for monthly bills, emergency expenses or cover everyday needs. There’s no waiting in line, nothing to fax and no extra paperwork.

Apply from anywhere, anytime. Less-than-perfect credit is not a problem. Get the money you need, when you need it most with an online loan from CashNetUSA.com.

Are your bills getting larger but paycheck still coming up short?

Now there’s a fast, convenient and hassle-free way to bridge the gap between paychecks. An online cash advance from CashNetUSA can help you get the money you need to cover emergency expenses, monthly bills or any other fast cash need.

The process is simple: apply online in just minutes. There’s nothing to fax and less-than-perfect credit will not prevent you from getting a loan. In many cases, your approval will come in just minutes. You can select your loan amount and have the funds transferred directly into your checking account by the next day. No waiting in line, no extra paperwork and no driving to the store.

Next time it seems like your paycheck just doesn’t quite cut it, turn to America’s trusted online lender, CashNetUSA.com.

As the state of the economy gradually turns from bad to worse, many Americans are trying their best to hold on for dear life. Despite doom and gloom coming from Wall Street, this can be a great time to actually begin to improve your credit.

A great way to start to improve your credit is to take a good hard look at your expenses. In a time of economic recession, everyone is tightening their belts, so it’s a great time to do so yourself. Cut back on going out to eat, rent movies from the library instead of the video store and brown bag it to work more often than not.

However, there’s a silver lining to this cloud. The downturn in the economy can actually be beneficial to consumers, if you know where to look. Companies are just as affected by this belt-tightening and have to work that much harder to get your business. Look for extraordinary deals at grocery stores, increased benefits on your credit card or promotions such as free gas cards or other promotions.

The goal of saving and being frugal is to keep up with those major monthly expenses. Keeping a little extra stash put away can mean the difference between paying bills on time or suffering late fees.

Missing a due date can hurt you in two ways: first by costing you extra money on late fees, overdraft penalties or reconnection costs and secondly by putting a damper on your credit score. A lower credit score means less credit and higher interest rates in the future. Keeping track and paying bills on time is one of the easiest – yet most influential – ways to help rebuild credit.

At CashNetUSA, we help people every day from all walks of life find a fast, convenient and private solution to immediate money needs. But don’t take our word for it – listen to the experience of one of our current customers, Mary.

Name: Mary Galloway
Profession: Government Analyst
Interests: Motorcycles, Computers, my Great Danes

Dear CashNetUSA,
My husband and I both have very secure state jobs. But a financial crisis can happen to anyone at any time – you just never know. Thank you for being there.
-Mary

Q: Why did you use CashNetUSA?
A: The first time I turned to CashNetUSA was because we got hit with several money needs all at once. We had a small savings account set up for emergencies – but not for multiple emergencies hitting all at the same time. We were shaken because this happened to us even though we had planned ahead.

Q: What’s makes CashNetUSA your trusted lender?
A: It’s fast, it’s easy, it’s private. You don’t have to embarrass yourself by going into a pawn shop and getting all those ‘looks’ from complete strangers.

Q: What surprised you about CashNetUSA?
A: I had never used a payday loan before. I wasn’t sure if I’d ever see the money, it sounded too easy to be real. I’m glad I took the chance. Thank you for being there and being reputable.

Mary was able to get the money she needed when she needed it most. So can you! Apply today for a cash advance of up to $750 and get your money by the next business day.

An online cash advance can get you the money you need for immediate money needs quickly and easily. Find out just three ways that we are getting money in your hands in a snap!

1. Convenience – Apply online for a cash advance from the comfort of home or convenience of work. Save time driving to the store and fumbling with paperwork, as with a brick and mortar cash advance.

2. Privacy – Keep your private issues private. No more weird looks at the store or faxing of confidential documents. Login to your own private account and get the money deposited directly into your bank account.

3. Speed – Apply in minutes, get fast approval and receive your money by the next business day. We work around your schedule – apply as late as 9pm CST Monday-Thursday or over the weekend by 7pm CST Sunday and still receive your cash advance the next day.