Get a payday loan with bad credit

Like so many people in the 21st century, money isn’t the only thing that we’re constantly trying to get more. We’re also fighting the daily grind to squeeze out every ounce of time there is to be had in a regular day. With so many home and office duties to work on during the day, time literally seems to fly and before you know it, it’s time to hit the sack and begin the same routine anew.

Cash - payday

The internet has given us many opportunities to do things that would normally require travel in the comfort of our own homes. From online shopping to telecommuting, the information superhighway is a limitless network of information, data sharing and convenience. The finance industry has benefited from this technology as well, as in the case of payday loan.

What are online payday loans?

Payday loans with bad credit are types of loans that mature on your next payday (typically in two weeks time) and you don’t need a great credit score. Usually consisting of a relatively small amount, payday loans are short term lending that are suited to settling bills with immediate deadlines and other payments that simply cannot wait until the start of the next month. The high interest rates of payday loans do not make them ideal for long term financial risk mitigation, that is why paying them on time is of utmost importance.

Who to choose?

With so many fast cash advance sites to choose from, it might be a bit of a struggle arriving at a specific choice. List down the sites (in comments) that seem to have the most accreditations as well as online recommendations, and narrow them down to a handful.

Search for some blogs and online forums about customer satisfaction review on these companies, surely you will be able to receive first hand information from a consumer standpoint. Ask your friends and relatives, too, if they’ve had the chance of completing an online loan transaction and with what company. If their experiences have been favorable, chances are yours will be too.

At the end of the day

Whichever company you choose to obtain your online payday loan, the important thing to remember is that you should always pay your loan on time! If you don’t want to risk being blacklisted or billed for overdue penalties, it’s best to set aside the loan amount come payday so that you don’t get yourself in a bind because you “just forgot” about the whole thing.

Banks won’t accept that, loan shops won’t accept that too and neither should you. Paying liabilities on time is an important step in building a good standing reputation with these banking and finance firms.



If you’re like me you probably need as much money as you can earn and find. Let’s think about some ways to free up some cash you may have not considered. When I finally reached the end of my rope financially I had been with the same job for seven years. $1000 per week was my salary and was the best money I had made by the age of 30. Although I had a college degree I lacked specialized skills for the job market. Fear of quitting my job and the unknown aftermath was part of the problem. In order for me to rectify my credit in the time I wanted, more income was necessary. First of all, see if there are physical items or services that you can do without. Here is a list of things that you might be able to live without.

Telephone (land lines and cellular)
Cable TV or Satellite
Furniture or appliances
Video games
Musical Instruments
Real estate

This list can be much larger. However, these are some of the things that you can stop using (services) or maybe even sell for needed cash (physical items). I recently went on and auctioned off everything in my house that I really didn’t need. Some of the items were musical instruments and video games – even some books. Just make sure that you charge the other party enough shipping or you will lose money there. I sold an electric guitar by advertising in the local paper. As it turns out I had more cash at hand than I realized!… more


If you’re reading this then you’re probably in trouble already. The first step towards regaining control is proper accounting for every single cent you earn. You would be surprised how many people honestly don’t keep a track of where their money is going. There was time when I did not care about keeping up with my cash flow and guess what happened – I bounced checks. So I can’t pay all my bills and on top of that now, I have bounced checks with fees that I already can’t afford.… more

5 ways to get out of credit card debt

For all of you out there who are in trouble, I have decided to write 5 Ways to Get Out of Credit Card Debt after going through a tough experience with credit cards. I have been through times, when I became six months behind and debt collectors were calling my house many times a day. Being at the brink of bankruptcy and debt settlement has forced me to change the ways I manage and appreciate money. Currently all of my 3 credit card debts are under the limit, and the fees, penalties, and phone calls have stopped. This was accomplished without the help of lawyers and third party agencies /debt settlement agencies.

I realize that some people may have an enormous amount of debt from medical bills or some similar circumstance. This article won’t apply to everyone. I try to detail a few simple ideas and habits that I hope will assist you in your endeavor. The methods I have used are for the average person who has just borrowed their way into financial red ink. By May of 2014 I had accumulated roughly $18,000 in credit card debt and was taking a serious look at bankruptcy. Between this and other debts I had incurred, I was unable to meet my minimum payments. My monthly income and expenses looked like this:

Gross Income $4,200.00 and Net Income $2,700.00 (After Taxes etc.)

There is a problem with having a monthly budget that leaves you nothing at the end of the month – unexpected expenses! There are always things in life that pop up that are unexpected and unplanned. This puts you in a position where you don’t have enough money to pay all your bills. Once poor decisions bring you here, you’re finances are like a car driving off a cliff – you’re not in control and it gains momentum on the way down. Getting here may have been easy, but escaping with good credit will prove hard.

The following are the best ways I know to turn your life around and regain control of your finances – hope this helps.… more