Pay Bills On Time

Written by Liza Hartung
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Wouldn't it be nice if you always knew that you could pay all of your bills on time? This is, unfortunately, not the case for many people. In fact, some are so worried about paying bills that they won't even open the bills when they arrive. Some people believe that if they don't open the bill and see the amount due, it doesn't exist. We all know this isn't true, but it's amusing to believe it for a day or two.

However, when creditors and utility companies start calling, it all gets a little too real. You either have to pay your bills or deal with utilities being shut off or your credit rating going down the tubes. Neither is particularly appealing. What do you do when you're staring at your bills in one hand and your checking account on your computer screen, and you can't seem to come up with a way to reconcile the two?

Quick Cash

Many Americans are turning to cash advance loans. These are short-term loans for a small amount, usually no more than $500. They have fees and/or interest rates attached, so you've got to make sure you are getting the best deal. If you have nowhere else to turn, though, this could be a temporary solution for you. These loans are very useful for extra cash during the holiday season, to ensure your rent is paid on time, or to fly to family events (such as reunions or funerals).

I called these loans "temporary solutions" because you'd be best advised to create a budget for yourself in order to plan for such emergencies. If you like to eat out all the time, you might want to stay home more often. Buy from the grocery store, and look for the discounted items. Make a list of everything you are spending money on each month. Figure out what is absolutely necessary and what you can cut back on. Using loans like these should not become a habit. If you use them more than once or twice a year, perhaps it's time to analyze your spending habits or set up an auto-transfer between your checking and savings account.

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