We’ve all been in that situation before: some unexpected expense comes up, but the old piggy bank is a little light. It can be difficult for anyone to find the appropriate financial solution for unforeseen expenses, but it is doubly hard for those of us with no or poor credit. Not only will most banks or credit card lenders not approve those with credit issues, but even if they do, the process can takes weeks. And you need money now.

Luckily payday loans and cash advances solve both problems. With an inherent speed of funding, you can apply online for cash and receive the money next day. Best of all, these short-term financial solutions deal with smaller amounts of cash than traditional loans, mortgages or credit cards, so having poor or non-existent credit doesn’t interfere with the loan process.

Payday loans should never be used as a long-term financial solution. But when you’re in a pinch, need money quick and don’t want to hassle with long applications, payday loans and cash advances are your answer to a slow cash flow.

At CashNetUSA, we pride ourselves on being the online payday loan lender dedicated to offering our customers easy and simple cash advance solutions.

In that mindset, we are announcing the launch of our brand new Spanish language version of the CashNetUSA.com website. We are only one of two online lenders to offer this dynamic new feature, designed to reach out to all our customers and provide easy and clear information about the payday loan industry and how our simple online application works.

Click here to view new Spanish version.

CashNetUSA.com is now customize to be fully available in both English and Spanish. Our dynamic site allows for the user to toggle between languages on any page. But that’s not all. We have updated all marketing and consumer information literature - including emails and letters - into Spanish versions as well. We have also added Spanish-speaking representatives to our call centers, making it even easier for our Latino clients to get the information they need and the payday loans that count.

We are dedicated to making the cash advance process as easy and hassle-free as possible. At CashNetUSA, we want to get your the cash advance you need, when you need it most - no matter of language preference.

While payday loans and cash advances can be a great way to get you out of an unexpected jam, the best way to secure a bright financial future is to save. But with all the expenses that pop up in everyday life, saving for tomorrow is often easier said than done.

For that reason we’ve compiled five easy ways to keep more money in the bank, so even if you need to take out that payday loan once in a while, you’ll still be covered for most day-to-day expenses. It may not be possible to implement ALL of these tips, but if you can work one or two into your daily routine, you’ll be amazed how much cash will be in your bank account at the end of the month.

1. Go Public - Try to depend on public transportation whenever possible. By not relying on your car, you can save money on gas, parking, insurance and basic upkeep. Most cash advance customers use their loans for emergency auto repairs done on cars which they depend on for work. Why not stay a step ahead and ride the bus instead?!

2. Pack a Lunch - Eating out, grabbing coffee at the corner cafe and mid-day snacking can add up. Try to bring lunches from home, drink the office joe and keep healthy and cost-effective snacks at your desk for work time munchies. You’ll save dollars and most likely feel healthier too.

3. Head Chef - Eating out for dinner also racks up the old charges faster than you can say ‘check please’. Try to prepare meals in advance that you can save in the freezer for those hectic evenings when you’d be tempted to order in. Save dinners out for once or twice a month - this will save you tons of cash and make those special times even more special.

4. Are You Going to Read That? - We all have magazines and other subscriptions that just end up creating more clutter around the house. Cancel any subscriptions that you don’t really use. Cutting back to the basic channels on cable can also help you save more in the long run - and who really needs to watch the Swedish Home Decorating Channel anyway?

5. Call Waiting - Cell phones can be a serious drain on your funds. By only using your cell phone when necessary and switching to a ‘pay-as-you-go’ plan, you could save $35 or more a month!

Rely on some of these money saving tips to help you prepare for financial situations ahead. Cash advances and payday loans are always a great choice in emergencies, but it’s always nice to have a little cash tucked away for a rainy day.

We’ve all seen them before: supposed consumer interest groups that are quick to offer harsh, often untrue criticism of payday loan and cash advance lenders.

One of the most often used, yet utterly deceptive, gimmicks these cash advance watchdogs use is to warn consumers of the ’sky-high’ APR’s of payday loans. What they neglect to mention is that unlike credit cards, mortgages or car loans, cash advances are designed to be short-term solutions to cash flow problems. Viewing payday loan fees as an annual APR offers a distorted picture of what are comparatively small fees in regard to the amount of the loan and the repayment period, which is usually two to four weeks.

In reality, cash advances, used as a short-term solution, have much lower APR’s than other less-than-responsible ways of dealing with money needs.

In comparison, when expressed as APRs for two-week terms:

* $100 pawn loan with 20% service fee= 240% APR;
* $100 payday advance with $15 fee= 391% APR;
* $100 bounced check with $48 NSF/merchant fees = 1,251% APR;
* $100 credit card balance with $26 late fee = 678% APR;
* $100 utility bill with $50 late/reconnect fees = 1,304% APR.

As always, it is important to see the whole picture. Payday loan borrowing coupled with a reasonable and timely repayment plan is a responsible way to deal with everyday cash flow dilemmas. Luckily most payday loan customers can look past misleading advertising and are able to make smart, responsible financial decisions for themselves.

We all know how quickly debt can pile up. From car loans to high-rate credit cards to simple overspending - sometimes the sheer volume of debt can seem overwhelming. But, lucky there are easy ways in which to get your bills in order and actually make your debt work for you. From credit card relief to payday loan help, here are some virtually pain-free solutions to get you back on track:

1. Face your Finances - The initial step in improving your debt is to take stock in how much you owe. This isn’t always a pleasant experience, but as the old adage goes, you can’t control what you don’t know. Write down all your outstanding loans, credit card balances, and payday loans along with the interest rates that are attached to each one. Now that you know the damage, it’s time to begin to repair.

2. Understand Good & Bad Debt - It sounds like an oxymoron, but some debt can actually be good for you. Student loans, though hefty, provided you with a quality education and their relatively low interest rate can be easy to handle. Small credit card balances that can be completely paid off on a monthly basis are also good ways to build a positive credit score. Cash advances and payday loans will never hurt your credit - just make sure to pay them off in a timely manner.

Bad credit includes out-of-hand credit balances that continue to accrue high interest and similarly large car loans. Car loans can run at between 7 and 10%, depending on the length of the term, with credit card APRs averaging at 15%.

3. End the Cycle - The simplest way to start lowering your debt is to stop using those high-rate credit cards. You can’t build a better future by continuing to build debt at the same time. If you must rely on plastic, call your credit card company and ask for a lower rate - they’re usually willing oblige rather than lose you as a customer.

Better yet, stop using the cards all together. Payday loans are a great alternative to continuing to rack up credit balances. You can get small cash advances quickly between paydays and the money will be deposited and withdrawn directly from your account, so there’s little temptation to let the balance ride over for months. The fees attached to payday loans tend to be small in the short term and are always a better alternative than ruining your credit by missing credit card payments or bouncing checks.

4. Smarter Spending - The only way to improve your finances in the long-run is to balance your spending. Create a budget worksheet to organize finances and dedicate yourself to paying down debt. By simply skipping costly lunches or that weekday happy hour, you can save $60-80 a month. If unforeseen expenses arise, consider a short-term cash advance rather than returning to the credit card trap when you need fast cash.

Apply those thrifty savings to your outstanding credit card balance and you can pay it off in months rather than years - not to mention save hundreds of dollars in interest.

For better or worse, debt is a part of our modern economic environment. Learning how to manage the debt you have - and using smart practices to pay it off - can mean the difference between getting stuck and working your way free.