Who hasn't felt the pinch? People are losing their jobs left and right. Families are losing their homes. Banks are afraid to give out cash loans. Companies are folding faster than a New York minute. I even know of some managers who now bring a sandwich bag to work. Yes, we have been hit by this recession, and we have been hit so hard we all could use cash loans every once in a while.
But, if you think getting payday loans when and where you can is the only solution, think again. Payday loans are great for money emergencies that just can't wait. Don't use them too often or too recklessly because each time you avail of the payday loans Canada lenders offer, you'll have to pay everything back with interest. Here are some tips to help you limit your use of cash loans to life's really urgent moments.
Drive Less
With gas prices skyrocketing, you may want to cut down on your car use. Consolidate four trips to the grocery into a single weekly excursion. Stop schlepping the kids in the car, and have them take the school bus instead.
Bring Your Drink
In case you haven't done the math, those dollars you spend on java can really add up. Save by bringing your choice of stimulant. Bring a thermos of coffee to work, or brew your own at work. And while you're at it, why not take bottled water and cans of soda to work as well? You can save as much as 75 cents per bottle or can when you stop relying on the vending machine.
Go Pet-Free
Fluffy can cost quite a bundle so if you don't have a pet yet, don't get one. Or, if you really think you need a pet as much as you need oxygen, get a small pet. You may not believe me now but big dogs can send you scampering for cash loans. You see, the difference between a small dog and a big one is a whopping $700 a year. That's a whole lot of kibble there!
Don't Flush Your Dollars
Yes, don't flush your dollars, and I mean this in the most literal sense. Don't buy branded toilet paper or branded tissues, paper towels, plastic wrap, plastic bags, and paper cups for that matter. Big-name tissue and plastic are easily 10 times more pricey than their non-name counterpart.
Eat In, Not Out
Pizza in a restaurant can set you back $20 or so. In contrast, a huge carry-out pizza from any pizza parlor in your block only costs $7. And, if you really want to spend even less than that on pizza, buy yours from the grocery store.
Cash loans are helpful, but you should only use them for real financial emergencies, such as car repairs and medication. Don't take out cash loans to buy new designer jeans or an iPhone. Otherwise, you will be up to your eyeballs in debt.
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