WHY CHOOSE ICASHLOANS ? : When you need cash quickly you want to work with a service that is reliable and experienced in the payday loan industry - iCashLoans is both. We pride ourselves on connecting our customers with the best payday lenders to meet their needs. Why waste time visiting dozens of websites trying to figure out which lender will serve you best? iCashLoans is the only site that you need to visit when you’re looking for a fast, secure payday loan.

Cash Loans: "We Search 100+ Lenders Money in Your Account Next Day"

About Us:

Our services are designed to help you find a reputable payday lender to work with. iCashLoans has a large number of lenders in our network, and we are confident that we can assist you in obtaining the best payday loan to meet your needs. Everyone hits a rough patch financially at some point, and payday loans are a great solution for short-term cash flow problems. You don’t have to worry about how you are going to pay an unexpected bill, or cover an emergency expense, between pay checks - iCashLoans is your source for finding payday loans. Using iCashLoans is 100% free to you - we do not charge any fees for our services. When you use iCashLoans you will save time and money. All you have to do is provide us with basic information and we will instantly search our network of lenders to find you the loan that meets your needs. At iCashLoans we pride ourselves on working with lenders that are fair and honest in their lending practices. Our main goal is to provide you with a great experience when searching for a payday lender. All lenders in our network are required by law to follow all of the rules and regulations related to payday lending. Don’t drive around town to visit payday loan shops, and forget about looking at website after website trying to find a loan with fair terms. iCashLoans is the only place you need to go to find a payday loan. We will search our vast netowrk of lenders instantaneously to find you the loan that you are looking for.

Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.

Friday, December 27, 2013

Payday Loans and Credit Card Debt: Who Is Controlling What?

Payday Loans and Credit Card Debt: Who Is Controlling What?
Where does your money go? Paycheck comes in and bill payments go out. Who is in control? Most folks would like to say that they are in charge of their money, but if they do not know where their paycheck went, that idea might just be wrong. Do you know what you use your credit cards for? Do you know how much you owe towards them? How many short-term payday loans have you used to get by throughout the last year? If you are one of the many who are living in debt, you may be in denial as to who is in charge of your income.

One of the best ways to discover where your money goes is to track your expenses. Add up all your monthly bills and expenses and subtract from your total take-home income. How much is left over? Can you account for what is missing from your wallet or back? Where are the leaks? If you don't track down every purchase throughout the month, you may be spending money which should otherwise be set aside for payments. Some of the biggest culprits are trips to convenience stores, added trips to the grocery store; drive-through lines as well handouts to family members. Your children's allowance should be accounted for within the budget. Once you can get a real look at where your money goes you will be able to start plugging the leaks.

You may have to take a reality check and make changes to some spending habits. Are there particular days of the week that money leaks faster than others? Would a grocery list help limit trips to the market as well as cut down on eating out? If you pack your lunch and snacks for road trips would you be able to pay down some of your debt instead? These changes may keep you from needing to use credit cards or online payday loan lenders when the end of the month comes around. If you think about it, omitting third party money from your monthly expense account will save you even more. You will limit how much interest you pay each month and have more of your income to use as you see fit. It is then that you will gain control of your hard earned money. Right now, your cash is being funneled into the creditors' and lenders' pockets. Can you see the problem now?

It is important that you budget for all your income. You can pay yourself so there is pocket money for some of those extras; it's only fair as you earned the cash. How much should be determined by what you have left over after all your living expenses are paid for. Place all your bills into categories and earmark a figure to cover the expenses. Make a plan for any money left over. Will it be used to pay down debt? That would be smart. Would you use it to fund a savings account? That works great too. A trip to the mall to catch the latest sale instead of paying down your payday loan lender is not the best choice.

Do what it takes in order to take back control. You will need to change some habits. Remind yourself that your purpose is for a good cause and reward yourself for a job well done... in cash. The last thing you will want to do is add more debt to the budget now that you have finally gained control. Make a plan to stick to your new found financial freedom. You will want to have short-term, medium and long-term objectives to build your financial portfolio back up. Your credit score and future financial needs will thank you for it.


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