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Get Out of Debt Emails

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I just checked my email, and out of 20 junk emails, I had 2 that claimed that I can get out of debt. Somehow, I got on some mailing lists. I can only expect to be on more now – LOL!!

I’ve never looked into those emails, but I have a feeling those aren’t the real thing. Remember to always be careful with your personal information. That is solid advice for anything you may decide to sign up for in your lifetime.

And another golden rule usually applies as well….if it looks to good to be true, it probably is.

Technorati Tags: debt, junk+email, personal+information

A Warning About Pay Day Loans

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You have probably seen advertisements where you can get a cash advance until pay day. These are typically called “Pay Day Loans.” You bring in prior paystubs and let them know how much you want to borrow. You get the money right there, and you have to pay it back when you get your paycheck.

Make sure you read the fine print.

The rates on these short-term loans are astronomical. Is it really necessary that you have the money right now? Is it possible to get an interest-free cash advance from your employer? Even if it is difficult to ask your employer, it is worth a shot.

Another thing to be careful of with these loans is getting in a viscious cycle where you are continually using the services because your normal cycle of pay day spending has been altered. Every time you get one of these loans you are paying a lot in interest.

Pay day loans can be great for times where you absolutely need the funds and you cannot get them any other way. Just be careful.

Technorati Tags: pay+day+loans, cash+advance