Everything Great and Grand.

When you have kids you have to learn to deal with unexpected expenses. Vaccines, school expenses, medicines, unexpected hospital expenses and more. These are the things that even if you save, you still can’t control and would need fast cash. Good thing there are available payday loans online that I can borrow. I can borrow up to $100 to $2,500 overnight! Yes that fast! I read their website and all I have to do is click on the qualifiers and if I qualify I will receive the fast cash overnight! Would you believe that they claim that it will only take you 15 seconds to be qualified? Yes 15 seconds for them to check if you are qualified.

Here are their qualifiers:

- If you have a Active Bank Account
- If you are Employed or have a Verifiable Income
- If you are 18 Years Old or Older

If you qualify these three qualifiers, you will instantly receive fast cash that you need. I love this website because they don’t care why you need the money. You may need this for your house, education, family or business. Whatever reason, they don’t care. As long as you qualify.

Of course there are other ways to deal with unexpected expenses aside from borrowing fast cash. You will have to save up for these occasions. Savings will be the major priority. Not for any other reason but for unexpected expenses.

I know I’ve posted a couple of articles here saying that I’m into budgeting and currently checking out sites that will help me manage our budget. The reason for me wanting to manage our budget properly because I want to increase our savings. With this I need to focus on the basic things and essentials like food, electricity, and of course the kids’ stuff.

I remember there were days that we needed cash but the weekly salary was not yet available so I had to make a cash advance online. Good thing these cash advances are readily available and I can loan cash from $100 to $2,500. This will then be deposited overnight in my bank or credit union account. All I have to do is meet their easy qualifications. I know this is such a great help to me and my friends who are in need of money any time. That’s the key to this actually, the cash advance for the immediate needs. I love this! Perfect for moms like me who need immediate cash for unexpected expenses.

Now that I’m going back to work, I promised myself that I would focus on the priorities and avoid unnecessary purchases like bags, wallets, and shoes. I know I have to discipline myself and make sure that I stick to this. Maybe I should have a goal in the next 5 years. I guess that would be a great idea!

I realized that one of the things that I need to improve on is to manage my money or the family’s budget. I haven’t been frugal for the past months particularly last year so I need to review the nice articles I shared here and check what I need to do. Frugality has been so easy to me while I was growing up. My Mom is the most frugal person I’ve ever known. She trains us not to ask for something that we don’t really need. Toys were not part of our growing up. We were not poor, my Mom was just being frugal.

Now that I’m a grownup and now has a family of my own, I try to be frugal and applied some things that my Mom has taught me. But things are just tight when you sometimes need cash so I would end up getting payday loans. I know that people would say that you cannot spend money that you haven’t earned yet but still, there are just things that you need to pay ASAP. Things such as baby needs – Milk, diapers, vitamins and the most expensive – vaccines. If you haven’t saved up for these small things that are a priority, you would need to borrow for a short while. But you have to make sure to pay and try to save up again for the baby needs.

When I was still single, I never thought I would use this “help” – quick loans – when I get to have a family of my own. I used to be so tight when it comes to budget and I imagined myself having to have a budget for every expense. But things really change when you have two babies. You will never know what will happen next. So I guess the lesson learned here is that, always, always save up for the “rainy days” or if not, have a quick loan and make sure to repay it as soon as possible.

By Letty Jacinto-Lopez
The Philippine STAR 03/08/2005

The debonair groom turned to his beautiful bride and
whispered, “Honey, now that we are married, I only have one rule that
you and I would live by: ‘Do not borrow money or lend it.’”

That’s my kind of guy. If my daughter ever finds one like him, I
would make sure that he gets to the church on time. A man like him
knows what the excess and shortage of money can do.

As a young couple builds a life together, they need to examine their
hopes and dreams about the present and future. A great deal of that
involves finances, where money will be used as a way to measure
themselves and others. The “have-enough-money-and-you-are-
independent, don’t-have-enough-and-you’re-dependent” phenomenon.

Read the rest of this entry »