Finding Money in the Couch

End of the month rolls around and reports from sites like cashloan.me suggest more applications are made within the last few days in the month than other times during the month. It makes sense that people are cash stuck to pay bills at this time in particular.

Although we suggest our readers to establish monthly budgets to maintain the cash flow and have enough spare cash to cover expenses. Its a tough challenge and there are many times that people just can get enough cash to make it.  I suggest that you consider the following options to reduce the amount you may need to borrow.

• Literaly check the couch as well as the car seats for change which could translate to gas money.
• Is there something in the house you purchased that could be returned for credit?
• Can you spread another payment over 2 months and save cash to get through this tough period.
• Check your thermostat or reduce the termperture on your hot water tank to reduce utility expenses.

There are all kinds of ways to save money., but if you are in an immediate crunch for cash than consider lowering your loan amounts and try and borrow a smaller quantity of cash. Companies that offer toll free telephone support and multiple lenders are qualities to look for in trusted online websites.

End of the Month Cash Shortfalls

Ouch..I ran out of money a week before my paycheck is due!?! 
My spouse decided to go shopping and I had checks out!
I forgot an autodraft insurance payment and I've got 60 bucks till Friday!

There are hundreds of things that go wrong at the end of the week or month. But cash shortfalls can be a pain in the you know what especially when you've lost track of your check book and can't find dollars to get through the end of the month or to your next paycheck.

I know this is super frustrating as I'm personally there every 2 weeks prior to my check rolling in. My situation was alot worse, prior to establishing a super strict budget and even then i've run into cash flow problems. The main thing as we all know is to spend less. However, it's way easier said than done.

Well for all of you are stuck here with no cash till payday. Then your going to have to stretch your dollars or take a slightly longer view into next month and figure out a better plan. Cash loans can help ease this situation for those that need it. I recommend if you are going to rely on a loan to get you through the month then try a $200 dollar loan. Just enough to take the stress off, but allow you to eat and pay a few minor bills if needed.

By reducing the amount you are going to have to pay back. You can then consider your budget and reduce your spending into next month by the short fall. Its going to be way easier to payback 200 over the next month than 1500! for sure.  You can either read more about payday loan and cash loan tips or find ways to reduce your spending or get more income somehow.

• sell something on craigslist
• cash your change in at the bank...empty the piggie bank
• Eat at home for the rest of the month with minimal shopping.
• Find a day or night job online to help earn a few bucks.
• call one of your utility companies to see if you can work out a delay in payment

There are several options here to free up some cash. The biggest thing is not to stress as it will not help you achieve your goals of getting back on track. If you want to sit back and laugh a little you can check out 100 reasons why people get cash loans and 1 reason to get one. Basically you aren't alone in this cash dilemma! and yes its super frustrating.

Raise Cash to Pay Your Loans

At the end of the day, short term cash loans can be a realy challenge to payoff! But with a little extra effort you can really take the edge off your debts and put yourself on better financial footing. The point here is to discuss selling online through outlets such as craigs list that will help you get some extra cash in order to gain the edge.

On with the show...craigs list is truly awesome vehicle for selling online. Many of the online auction houses such as ebay will most likely charge some percentage or fee. Even the local newspaper will charge you with an exhubarant listing fee that sometimes is greater than the product you can sell anyway.

In my book, Craigs list wins! truly everything i've ever listed there has gotten someone looking at it. Most result in a sale of some sort as long as you are reasonable with your efforts and selling price. My personal philosophy has always been to always sell something that functions and provide good deals to anyone that calls as my reputation for selling far exceeds the sale itself.

Make your deals attractive!That said, leave yourself some room for negitiation without overstating your prices to where people won't call. Everyone wants a deal and honestly if you've used the item than you should reduce the price as its not brand new anymore. 

Make yourself available!..If you aren't available to your buyer, you won't make a sale. If you are going to the office put your items in the car and meet people over luch in a public place if you can. Being accessibile will make it easier for you to sell your items.

Allow Yourself to drop your price!..Again, let people have the deal if it means being able to unload the item and get the cash you need.  If for some reason you think you should be selling for more..hold out but don't do it at the expense of a sale.

What do you have else to sell?.. Everyone has something to sell in their garage. Consider whether you have used the item in the past year and if you think you will use it this year. Even if you think you could never sell it every.. you may be surprised. Go through your house with a digital camera and take a photo of every item you think you could live without. Then post it and asign a dollar amount to it.

It's all about raising the cash you desperatly need! This will give you the ability to have a cash reserve or at the very least be able to get a slight advantage over the loans you owe. Just by shaving away at your loans and putting additional moneys against debt will start turning your situation the other way to where you can make your monthly budget or income.

Keep yourself out of credit counceling agencies..by simply paying your bills and paying them ontime. I've got a bunch of other money saving ideas that I'll blog about in other posts but for today consider sell something you haven't used in a while and start getting ahead!

You can read more articles to find simple ways to pay off your payday loans or break the payday loan debt cycle simply by going to the cashloan.me website and reading some informative articles. They offer 24/7 support to help answer your questions concerning loans online.