There is a growing need for debt relief in our country today. Each individual is looking for answers with their own problems and concerns. Knowing what your options are and what to expect is a great way to start searching for the right answer to your money problems.

If you are in search of some quick cash to take care of an emergency cost, a cash advance is a good source of fast money. Many people are looking for larger monetary amounts or aide with debt far larger than an unexpected bill. If this is your case, begin the process by educating yourself.

There are debt relief companies who work at lowering your debt and getting it paid off fast, but as stated in previous blogs, there are bad apples in the bunch and clear signs to watch out for.

Another large program that many with large debt are turning to are Credit Counseling Agencies. Many of these “not for profit” agencies are affiliated with creditors. You will want to search for organizations who have credit counselors trained by organizations unrelated to creditors. You will have more trust in a company who is trying to help you for your benefit n not their own. A credit counseling service that is run by your creditors will not have your best interest foremost within their program.

Find a credit counselor who will sit down with you one on one and go over your debt with you to find the best debt relief option for you.

Bookmark and Share:

More »

Debt settlement companies are presenting lies in their pitches to consumers.  The Federal Trade Commission (FTC) has brought suit to over a dozen debt settlement companies for such lies that prey on consumers who are searching for answers with their burdened debt.

Debt settlement companies who claim to be non-profit but actually are using this ploy to get the customer to trust their company over another. Other companies omit discussing their fees all together or try to present it as no fee or low fees. The  FTC mandates that debt companies explain their fees within their sales pitch. The fee explanatin presented may not be misleading to the consumer. The debt relief companies may not collect up front fees of any kind. The price you pay should be documented in the contract that you sign. Watch for companies who promise overly exaggerated savings from creditors. Make a few phone calls to different companies so you can see what is the norm for fees and savings. Don’t be pressured by the sales person. A company who forces you to give private information before they tell you about their program details is a company you may not want to trust.

You are not required to put all creditors into the program. If you want to keep a credit card out, you have the right to make that choice. Debt relief companies will not include all your debt, some creditors will not settle. A payday loan company is one of those creditors who will not settle. The original payday loan debt is too small to be lowered and still be profitable.

Bookmark and Share:

More »

There are many debt relief companies out there. The consumer will need to do their own investigations in order to not be trapped by scams. Cash Advances are not affiliated with these types of programs. They are small short term loans to help with emergency costs.

Are you being offered lower payments on your loans and credit cards with a guarantee? The offer sounds so appealing to many people who are struggling to keep up with their payments. One word in this offer which should be a red flag to anyone looking for true help…”guarantee” is not a word that any debt relief company can be promising. Listening to the sales pitch will feed right into getting everything that you need and want…lower payments and freedom from debt.

Up front fees for these types of programs are illegal. Any company offering you a debt relief solution for a money saving one time fee are not following federal guidelines and should be reported. There is no guarantee that any creditor will work with them to lower your debt and you should not have to pay for a service that did not happen.

Educate yourself with the programs before you start talking to the companies. Know what is allowed by federal guidelines and what is against the law. This information will prepare you to listen for false promises, guarantees, or illegal practices. The salespeople on the other end are trained to pitch you the highlights of the company. There are answers to persuade your interest back to their company. Shop around and know what to expect before you get caught up in the sales pitch.

Bookmark and Share:

More »

Sunday Budget Tip # 11 from Spotya! Payday Loans to help keep your spending budget friendly.

Shop the clearance racks smartly. Many stores will put their clearance items on sale and offer coupons for an extra percentage off and during those times, it is great to go shopping. So often, items get pushed to the clearance racks in order to make room for new product delivery. Knowing when you favorite stores have their deliveries scheduled will give you an idea as to when to start looking. Save money and time when shopping smartly. Buy off season items in larger sizes for your children to grow into for the following year. When you are paying only a fraction of the cost for an item, you can pick up a thing or two for your wardrobe.

Many store coupons come by email. Print off the coupon or if you have a smartphone, all you need to do is bring up the bar code on your phone at the cash register. The cashier will scan your sale code right from the phone. New technology is being used to make shopping even easier. Keep your spending to your budgeted allowance and get more for your money when you shop wisely.

Bookmark and Share:

More »

Mornings get pretty hectic, and getting everyone out the door on time and fed can be very stressful. Buying breakfast on the way to work is just not budget friendly and if you look closely at what you buy… I bet many of you will agree that the healthy factor is missing as well. Having a good breakfast does not have to be too time consuming and can be eaten on the go for those mornings when time is running short. Payday loans are all about keeping your budget healthy and running well, and keeping you and your family healthy is important as well.

Here is an idea for a hot healthy budget friendly breakfast. Make your omelet in a mug. You can prepare the eggs the night before then ladle the servings into each mug in the morning.

Scramble up eggs and add small pieces of your favorite meats, cheese, and vegetables. Spray the microwave safe mug with a non stick coating before adding mixture. Don’t fill more than half the mug, your breakfast will rise while cooking. make each one individually if you need to vary the ingredients. Place mug in microwave on high for about a minute, take out and stir, then place back in for another 30 seconds to a minute till the eggs get firm. You will have a much healthier meal for your drive to work or school.

Bookmark and Share:

More »

Are you ready to make that big leap and get a new car? What are you going to do with the old one? If you are going to be trading it in or selling it on your own, having it look in tip top condition will bring you higher bid for its value. Fair market price on vehicles go along with model, year and condition. Presentation is the first impression from its overall condition. A chef would tell you the same thing about food. How it looks when plated convinces plenty of taste buds before the food reaches the mouth.

Use a cash advance and get your vehicle completely detailed inside and out. When the paint job is waxed and shiny with an interior that matches with every crease and corner, the car dealer or private buyer will be excited about it right from the start.

If you are trading your vehicle in, having a higher trade in price will lower your cost for the new vehicle. Lower cost means lower payments. Your monthly budget will work much better having less in demand. Of course if you have extra to pay each month will shorten the length of your loan as well as bring less interest cost over the long term of your loan. Cash advances work well in your budget as well since the payoff is fast leaving no long term debt for your monthly budget.

Bookmark and Share:

More »

We have created a new Spotya! website. It is up and running and looking great! I never realized how much is involved with creating a website. It is a long process which takes plenty of hard work and technical knowledge. I am impressed with the programmers we are blessed to have working here. They do a great job!

I can’t wait to get home and start exploring the pages to get more familiar with it. I personally cannot win $100 a day since I am an employee, but the rest of you can. Monday through Friday, there will be winners. You can enter once per day to be in the running for that day’s winnings. Keep coming back and enter each day! Five winners each week!

It is super exciting here at Spotya! We enjoy the interaction with our customers and Facebook fans and are excited to be back giving money away!

Payday loans from a company you can trust is a great way to keep your finances in order. Winning $100 works well in getting a bit of a boost to any budget. What would you do with your winnings?

Bookmark and Share:

More »

We made it to the end of the food fraud series. Part 8 is dedicated to the concern with fish fraud. Besides being a tongue twister, fish fraud is about selling less expensive fillets labeled as higher priced fish. Farmed fish being sold as wild, selling a molded fish to pass off as scallops. Creative, but still fraud. The Journal of Food Sciences reports that faux fish is the top food fraud in media studies and other public records.

Consumer Reports did a study that showed tilefish being represented as grouper. The scary part of this finding is that tilefish has enough mercury in it to be on the FDA’s list of foods not to be eaten by pregnant women and young children. It is much harder to fake a whole fish, so when you can buy your fish whole.

Spotya! Payday Loans hopes you have learned the importance of label reading and spending money from a trusted source. When you know a product or service is safe, dependable and it works, keep it! Sometimes saving money is not a bargain, so educate yourself to all the possibilities.

Bookmark and Share:

More »

We move in our food fraud series to discuss the frauds that take place in the alcohol business.  It was just a few weeks ago that there was a wine dealer from New York who was arrested for allegedly trying to sell  a counterfeit wine bottle as a rare bottle of wine. Most frauds with wine will buy you a cheaper vintage and be a waste of your money. The adulterated spirits tend to be more harmful. There have been reports of fake vodka that contained contaminants such as anti-freeze and other dangerous chemicals. Most tampering will be done with labels and packaging. If you know a brand’s logo and/or bottle shape but the bottle in hand just doesn’t look right, find one that does. Keep to larger retailers for your purchases and if you are involved in a private sale, inspect your bottle thoroughly or pass on the offer.

Over and over in this series, we seem to go back to finding product and sellers that you trust to do business with. Same goes for any service you pay for. Ask lots of questions and use references before you make your final decision. Cash advance companies are the same in that you will find bad eggs in the bunch, so when you find one you can trust, stick with them. It is smart money sense.

Bookmark and Share:

More »

Spotya! Cash Advance brings you part 6 of the food fraud series which covers the topic of spices. One of he larger spice fraud opportunities is with expensive spices that are purchased in small amounts, such as saffron. Saffron gets used in such small doses that it is unlikely that an average person would know the difference. Other spices that are found in the top spices used in fraud are vanilla extract, Tumeric, star anise, paprika and chile powder. Some of the swaps can be dangerous. For example, Japanese star anise is toxic, and could be substituted for the Chinese version. The adulteration of spices  is more normally found with reusing ones that have all ready be processed for their extracts, or using flavorless left over spices that might be used and sold as paprika, to take its place.

You will want to keep away from purchasing spices at open markets or bulk bins where the origin is not labeled. Once again, labeling is an important tool to use in determining what products to buy in order to safe guard your money.

Bookmark and Share:

More »