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It's the age-old game of tug and war: you're looking to balance your finances, but emergency expenses and monthly bills make it nearly impossible. Luckily, there are some tools that you can use to deal with unexpected expenses, so that you can get back on track and balance your finances once and for all.
First, track exactly how you spend money over a whole month. Of course, the obvious things are housing, car and other transportation costs (dont forget insurance and maintenance, things you do once or twice a year; look at your most recent big outlays for those things and divide by 12 to come up with the monthly average). For food, include groceries for home meals and everything you eat out. Try writing everything down during the next month and see how it adds up including those unexpected, one-time bills (that seem to come along every month anyway).
Next, look at fees and penalties you pay, such as bounced checks, late fees, etc. Imagine how a little bit of timing differences, such as when you pay your bills, can affect this.
Now, consider lifestyle changes that really shouldnt be hard to take. Brown bag your lunch one or two or five times a week. Walk or bike instead of driving or taxis for some appointments (your bonus is exercise benefits). Or, for example, if you get a lot of parking tickets, how leaving for appointments earlier might allow you time to find a legal parking spot. Can you cut back cable or other subscriptions and instead find entertainment in books and CDs from the public library? Meet friends for coffee instead of dinner? Reduce some habits such as smoking or pricey daily indulgences such as a $4.00 coffee concoction when you can get regular coffee for $1.00 elsewhere?
The key question is, which of these things do I really need and appreciate?" From there, establish your priorities and while youre at it, look for new things that are fun and yet cost little or nothing.
Now, add up the savings when you make some changes. Better yet, multiply by 12 to get a yearly savings amount, then add 5% to see what additional money you could have if you put the savings into an interest earning account such as a bank savings account.
When you need cash fast in some instances, to avoid late fees and other inconveniences consider an online payday loan. Read more about Online Loans here:
* CashNetUSA and third party lender funds are generally deposited via ACH for delivery next business day if approved by 9pm CST Mon. – Thu. or by 7pm CST Sun.
** 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, Tele-Track and CL Verify. 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 in your state. CashNetUSA is not a lender in all states. In some states, CashNetUSA will (i) act as a broker to arrange a loan between you and a third party lender, or (ii) connect you with a financial matching service.
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.
