Did you or will you receive a tax refund this year? Have you already made plans for the money? Did you already spend it? You could help your credit score, minimize payday loan reliance and/or plan for future finances when you use a tax refund wisely. How do you minimize payday loan reliance? Many people who use payday loans do so because their credit...

They are pricey, they are convenient, they come with a bad reputation, but people use them anyway. Yes, we are talking about short-term payday loans and cash advances. People either love them or hate them for a multitude of reasons. Others could care less and are indifferent to the troubles their neighbors may be going through. Many folks find payday loans...

I’m pretty sure it is safe to say that the number of people who try to mess up their credit score is minimal. We can’t discount out the renegades who spend their lives not caring; for the most part though, a person who borrows money will attempt to pay it back. Without making any effort, there are many consumers who unknowingly mess up their credit...

Consolidating debt is one way of trying to “compact” your bills, get lower interest rates, and pay off what you owe faster. But should this be an option for your payday loan? Knowing what debt consolidation entails is the first step to making a decision about what to do with your financial obligations. There are different types of debt consolidation; all...

With energy bills reaching into the hundreds, depending on where you live, it’s no wonder some consumers turn to a payday loan to pay for their heating and cooling bills. Even those in sunny California need to crank up the hear or A/C at certain times of the year. For those of us who endure harsh winters and brutal summers, our bank accounts can barely keep up...