Welcome back

Hello world! Welcome to my new home on the web… icanhavepayday.com. I finally have TV, AT&T U-verse. It’s awesome. Did you know that Paris Hilton has a show where she’s looking for a new BFF? How did I live without TV? But seriously… The quality is great, the usability of the set top box/DVR is [...]

What I’ll do for TV

My credit card arrived on Friday. I honestly didn’t ever want to get a credit card. I hoped I’d never need to. Even now that I have one I don’t see why it’s necessary. Stupid Dish Network. I’m not against loans all together but for day to day expenses I don’t see why I’d ever [...]

Do I need a credit card? Do I even want a credit card?

Even though I like to think we’re good with money, I’m afraid we’d fall prey to the temptation that credit cards present. But really, we both have gone this long with just our debit cards, do we really need credit cards? What I’m most worried about with just debit cards is having money in the right account at the right time. It’s really incredible when you think about it how much credit is really about, literally, buying time.

I’m back!

Finally! I finally got my DSL modem today, so I’m back online. I still don’t have TV yet, that’s coming on Sunday.

You’ve Been Approved

My roommate and I finally found an apartment we both like, we get the keys on Friday! Check back next Monday to see how moving went.

credit cards vs. cash advances

Payday loans and credit cards have a few things in common. Both are personal loans, a loan in which a lender does not secure the loan with any property. Interest rates of these two products are similar as well.

Why Title loans Easy To Get

“Fast Cash”, “Bad Credit OK!” and “Instant Approval!” are phrases that you’ve probably heard used when it comes to title loans. This is because title loans have an easy application process and quick turn around times for receiving cash for the loan. Many people think these qualities are related to bad deals, or are red flags when it comes to the lender. In reality, title loans are not as high-risk as you might think.

Title loan myths

Critics of title loans say that title loans create bad credit issues and unnecessary debt. Title loans are like any loan, in that if the borrower does not make the payments on time, their credit score will be negatively effected. This fact is true not just for title loans. Including a car as the collateral in title loans helps to motivate loan payback. This can be viewed as a positive way to keep people out of debt. When people value their collateral they are more likely to repay their debts. Most people would not use their vehicle as collateral for a loan if it were not necessary. Credit cards are much more likely to cause unnecessary debt. Some people just do not understand the damage that credit cards can cause to their credit. Unfortunately, by the time people start to appreciate the value of a good credit score, they have already tainted their credit with “unnecessary” spending with the use of a credit card.

Avoiding Payday Loan Mistakes

What’s the Catch?

Payday loans are convenient ways to get cash when you want but if you don’t use this option wisely, it could simply be the cause of your financial ruin. Here are some of the worst mistakes people make …

How to get your paycheck NOW!

Requirements for payday loans:
18 years old or older
Active checking account
Proof of income
Valid photo ID
A personal check