#borrowing money

[moomoocowmaid]

Parents—teach your kids about what borrowing money, paying back, and spending means…

Some of these rats out here aren't circus trained… let alone out of the gutter

[bitchesgetriches]

I recently read an article from you guys about saying no to family members who ask for money. Well, I followed that advice at first and ended up giving said relative part of what they asked for. I wasn’t nice about it at all and let them know I’m tired of them asking me for money (oh and this is a parent). Said parent then proceeds to guilt me by saying that they’ve sent me money in the past, and yes they have, when I was in college (I worked multiple jobs in college so it’s not like I was sitting on my ass doing nothing).

It’s even worse because they ask for large amounts at a time ($600+) and always seem to neglect that I have bills and savings goals of my own.

How do I be more stern in saying no? My partner sees how much it upsets me when I have to put a plan of mine on the back burner because someone in their 60s who has never learned to make their own way keeps asking for money.

This blows, my dear. It truly blows.

For those who haven't read it yet, here's the article:

Ask the Bitches: How Do I Say “No” When a Loved One Asks for Money… Again? 

Now you have two options:

Remember that "no" is a complete sentence. Repeat as necessary.

If the guilting gets too overwhelming, FUCKING LIE. They're the one not taking no for an answer, so we hereby give you permission to say "Even if I wanted to, I couldn't give you the money because I don't have it. I've given so much money to you that I'm behind on my own bills."

Good luck, my dear. You can do this. Here's more inspiration:

Season 1, Episode 11: "I Feel Cornered by a Friend Who Keeps Asking to Borrow Money." 

If you found this helpful, consider joining our Patreon!

[tattoorue]

[davidl2001]

Everything You Need to Know Before Getting Your First Loan

Loan If you’re applying for a loan for the first time, you might feel overwhelmed and confused. Loans can be complex, and it can be tough to understand all the terms involved. However, with a little bit of research and guidance, you can make informed decisions and make borrowing a pleasant and stress-free experience. In this post, we’ll talk about everything you need to know before getting your…

[maxlendmoney]

Comparing Financing Options Unexpected Home Repairs

Disasters happen. Without warning, a roof can suffer damages from a fallen tree or water can flood a basement. Unexpected issues like these can cause a lot of stress for homeowners, especially when they are financially unprepared to handle the repairs.

Safety First

It is not a question of whether these problems will happen, but when. This is why it is so crucial to plan ahead and know what to do in case of an emergency. The first step is to take the necessary safety precautions. For example, if there is a fire, one should first get every family member and pet out of the house and call the fire department. Or, if there is an issue with plumbing, one should begin by turning off the plumbing until a professional can come to handle the issue. It is always important to first ensure the safety of yourself and your family in the case of home emergencies and disasters.

Planning Financially for Home Emergencies

Once the necessary safety measures are completed, it is time to think about financial planning. One of the safest financial plans is to have an emergency fund set up. Having a fund of at least 3 months of living expenses is generally advised to cover any life changes or emergencies that may come up unexpectedly. By already having an emergency fund, in the case of needing a major home repair, a homeowner would have this stash to cover repair expenses without impacting the home’s regular cashflow. However, a large percentage of homeowners are financially unprepared to pay for large home repairs. If this is the case, it is necessary to explore alternative funding options. Here are three financing options for homeowners facing unexpected repairs.

1. Personal Loans

Most people head to their bank first to apply for a personal loan. Before making a final decision on a lender, homeowners should do plenty of research. This is especially important with personal loans since loan terms can vary. When researching lenders, one should compare rates and fees to get an understanding of the total cost of the loan.

It should also be considered that of all the available borrowing options mentioned here, this is not the quickest as the application process is extensive and there are often tougher applicant requirements in place such as requiring a higher credit score, longer credit history, or higher income requirements. If there are repairs that are absolutely essential and need to be completed immediately, homeowners may want to explore other options.

2. Borrowing from Friends or Family

Homeowners should only borrow money from family or friends when it is really needed, since financial issues may strain a relationship if loans are not repaid when expected. Borrowing from a close friend, however, can be a good option to pursue for those with bad credit or those who may otherwise not qualify for a loan themselves. When asking friends and family to borrow money, request a minimal amount that would help offset out-of-pocket costs without placing the friend in financial strain. It may also be helpful to request smaller amounts from multiple people, so that the burden of the loan is more broadly distributed. In either case, it is important for the borrower to be honest with their friends and family about their needs and their ability and timelines to pay back any borrowed money.

3. Installment Loans

Installment loans are short term personal loans that can be fairly easy to obtain, which makes them good for emergencies. Credit requirements are less stringent with an installment loan. These loans are usually available for relatively small amounts of money from a few hundred dollars to over a thousand.

Repayment is flexible and is broken down into weekly, bi-weekly, or monthly installments, depending on the lender, and the entire loan should be paid off by the end of the term period. Term lengths vary from lender to lender, and sometimes from loan to loan, so it is important that borrowers review loan documents and agreements carefully to understand their repayment obligations.

Major home damage can happen at any time. If homeowners are not prepared, they can easily become overwhelmed with thinking about how to pay for repairs. However, there are short-term lending options that can help homeowners obtain the money needed for their home. If necessary, homeowners should consider all of their borrowing and financing options when making a decision to take out a loan to fix their homes.

Sources

https://www.nerdwallet.com/blog/mortgages/how-to-pay-for-emergency-home-repairs/http://www.improvementcenter.com/advice/unscheduled-home-repairs-are-you-financially-prepared.htmlhttps://www.moneykey.com/short-term-loans-for-unexpected-costs.php

MaxLend, is a sovereign enterprise, an economic development arm and instrumentality of, and wholly-owned and controlled by, the Mandan, Hidatsa, and Arikara Nation, a federally-recognized sovereign American Indian Tribe. (the “Tribe”). This means that MaxLend’s loan products are provided by a sovereign government and the proceeds of our business fund governmental services for Tribe citizens. This also means that MaxLend is not subject to suit or service of process. Rather, MaxLend is regulated by the Tribe. If you do business with MaxLend, your potential forums for dispute resolution will be limited to those available under Tribal law and your loan agreement. As more specifically set forth in MaxLend’s contracts, these forums include an informal but affordable and efficient Tribal dispute resolution, or individual arbitration before a neutral arbitrator. Otherwise, MaxLend is not subject to suit or service of process. Neither MaxLend nor the Tribe has waived its sovereign immunity in connection with any claims relative to use of this website. If you are not comfortable doing business with sovereign instrumentality that cannot be sued in court, you should discontinue use of this website.

[cashflowinsights]

10 Cash Advance Apps to Help You Stay Afloat Until Payday

In today's fast-paced world, unexpected expenses can leave you strapped for cash and in need of a quick solution. Whether it's a sudden car repair, medical emergency, or last-minute school expenses, you might find yourself in a tight spot with your finances. Thankfully, technology has made it easier for you to get the funds you need through cash advance apps. With lower fees than traditional payday loans and quick processing times, these apps can be a lifesaver when you're in a bind. In this article, we will explore the top 10 cash advance apps that can help cover you until payday.

CLICK HERE TO Get Cleo $250 FAST CASH ADVANCE

1. EarnIn: Best for Earnings-Based Borrowing

EarnIn is a unique cash advance app that allows you to access your money based on the number of hours you've worked. By tracking your work hours, the app enables you to borrow funds according to your earnings. In addition, EarnIn offers a notification feature that alerts you when your bank balance is low, ensuring that you stay on top of your finances.

Features

Amount: $100 to $750

Processing Time: One to two business days, with the option for instant access through EarnIn's Lightning Speed feature

Repayment: Due on your next payday

Fees: Voluntary tipping model, allowing you to choose a tip up to $14. Overdraft protection requires a recurring tip, but can be set to $0 if not needed.

Pros and Cons of EarnIn

Pros Cons Higher borrowing limit as you use the app more frequently Fees may apply for using Lightning Speed feature

2. Chime: Best for Overdraft Protection

Chime is a financial technology company that offers a checking account with SpotMe® overdraft protection. This feature allows eligible members to overdraw their accounts by up to $200 on debit card purchases without incurring fees. In addition to overdraft protection, Chime also provides a secured credit card and a savings account for users with a required checking account.

Features

Amount: Up to $200

Processing Time: Instantly

Repayment: Due on your next payday

Fees: None, with the option to tip

Pros and Cons of Chime

Pros Cons Overdraft protection up to $200 Only functions as overdraft protection Optional tipping Requires a Chime account with at least $200 in monthly direct deposits

3. Brigit: Best for Same-Day Loans

Brigit allows you to borrow up to $250 on the same day you apply, provided that your application is submitted before 10 a.m. ET. While the app requires a monthly fee to access its cash advance feature, Brigit also offers free access to financial experts who can help you manage your spending within your budget.

Features

Amount: Up to $250

Processing Time: Same-day approval if applied before 10 a.m. ET, or next business day for later applications. Instant cash may be available for users with a connected debit card.

Repayment: Scheduled according to your income, with the option to reschedule once after two on-time repayments

Fees: $9.99 per month for the Plus paid plan

Pros and Cons of Brigit

Pros Cons No late fees or penalties for delayed repayment $9.99 fee to access cash advances Option to reschedule payment Early cut-off time for same-day funding without a connected debit card Free access to financial experts No instant deposit options

4. MoneyLion: Best for Multiple Options

MoneyLion is more than just a cash advance app; it also offers financial tracking, investment accounts, and various other features to help you manage your finances. With a range of borrowing options, MoneyLion ensures that you have access to the funds you need when you need them most.

Features

Amount: $50 to $250, with larger loan amounts available for RoarMoney account holders or Credit Builder Plus members

Processing Time: 24 to 48 hours for RoarMoney account holders, three to five days for external account transfers, or instant access with a Turbo Fee

Repayment: Due on your next payday

Fees: Optional tipping, plus fees ranging from 49 cents to $5.99 for instant delivery to RoarMoney accounts and $1.99 to $8.99 for external accounts

Pros and Cons of MoneyLion

Pros Cons Access to larger loan amounts Up to eight weeks required to become eligible for maximum Instacash amount Variety of account features Fees required for same-day fund access

5. Current: Best for Checking and Spending

Although not a traditional cash advance app, Current offers Overdrive protection for users who overdraw their accounts by up to $200. This feature can provide a quick and easy solution when you're in need of a small cash infusion to tide you over until payday.

Features

Amount: $200

Processing Time: Instant

Repayment: Due on your next payday or deposit date

Fees: None

Pros and Cons of Current

Pros Cons No overdraft fees with Overdrive protection Requires minimum monthly direct deposits No monthly fees Not a true cash advance

6. Dave: Best for Highest Cash Advance

Dave offers the largest cash advance in the industry, providing up to $500 through its ExtraCash feature. New members also receive a Dave Spending Account, which allows for instant fund access with a small fee.

Features

Amount: Up to $500

Processing Time: One to three days, or instantly with an express fee

Repayment: Due on your next payday, with the option to edit the repayment date

Fees: $1 monthly subscription fee, optional tipping, and express fees ranging from $1.99 to $9.99 for Dave Spending Accounts and $2.99 to $13.99 for external transfers

Pros and Cons of Dave

Pros Cons Offers the largest cash advance in the industry Express fee required for instant fund access

7. Empower: Best for Quick Cash Advances

Empower provides cash advances of up to $250, along with an Empower Card that offers up to 10% cash back on purchases at select merchants. Additionally, the card provides free transactions at 37,000 ATMs nationwide, and Empower cardholders can receive their paychecks up to two days early

Features

Amount: Up to $250

Processing Time: Instant

Repayment: Due on your next payday

Fees: $8 subscription fee, but no interest or late fees

Pros and Cons of Empower

Pros Cons Interest-free borrowing up to $250 $8 subscription fee after a 14-day free trial

8. Payactiv: Best for Short-Term Loans

Payactiv is more than just a cash advance app; it also allows users to pay bills, access discounts on department store purchases and prescription drugs, and manage their finances all in one place. By offering a set percentage of your earnings as a cash advance, Payactiv ensures that you have access to the funds you need when you need them.

Features

Amount: A set percentage of your earnings

Processing Time: Instant access to Payactiv Card, 48 hours for other debit card transfers, or instant transfers with a $1.99 fee

Repayment: Not required, as you're accessing funds you've already earned

Fees: Free with direct deposit to Payactiv card, $1.99 fee without direct deposit, and $2.99 processing fee for cash pickup at Walmart or instant deposit to another card

Pros and Cons of Payactiv

Pros Cons Offers bill payment and product discounts Fees apply without a Payactiv card

9. Vola: Best for Same-Day Cash Advances of Up to $300

Vola is one of the few cash advance apps that offer same-day advances of up to $300 without a credit check, making it one of the easiest options for quick access to funds. With support for over 6,000 credit unions and banks, Vola provides a convenient and flexible solution for your cash advance needs.

Features

Amount: Up to $300

Processing Time: Within five hours

Repayment: Manually or automatically on the due date

Fees: Subscription fees ranging from $2.99 to $28.99

Pros and Cons of Vola

Pros Cons Same-day cash advances up to $300 Subscription fee applies No credit check required Five-day cool-off period between repayments and new advance requests

10. Albert: Best for No Late Fees

Albert is designed to simplify your financial life, offering instant cash advances and automatic repayment without any late fees. By providing a user-friendly and straightforward solution for cash advances, Albert ensures that you have access to the funds you need without any hidden costs or surprises.

Features

Amount: Up to $250

Processing Time: Instant access with a fee or two to three days for free

Repayment: Due on your next payday

Fees: No fees for instant cash advances to Albert Cash, but small fees apply for instant advances to external accounts

Pros and Cons of Albert

Pros Cons No late fees or penalties for delayed repayment 30-day free trial of Albert Genius required for Albert Instant access (can be canceled) Cash Advance Apps at a Glance

App Maximum Loan Amount Transaction Speed and Loan Fee EarnIn $750 1 to 3 days, $0.99 to $3.99 fee Chime $200 Instant, no loan fee Brigit $250 1 to 2 days, no loan fee; $9.99 subscription fee MoneyLion $250 12 to 48 hours, $0.49 to $8.99 fee Current $200 Instant, no loan fee Dave $200 Up to 3 days, $1.99 to $13.99 fee Empower $250 Instant, no loan fee; $8 subscription fee Payactiv A set percentage of earnings Instant to Payactiv Card or 48 hours for other debit card transfers, $1.99 to $2.99 fee Vola $300 Within 5 hours, no loan fee; subscription fee applies Albert $250 2 to 3 days, small fee for instant delivery Pros and Cons of Cash Advance Apps

Before choosing a cash advance app, it's important to weigh the pros and cons of each option to ensure that you select the best fit for your financial needs. While some apps may offer lower fees or larger loan amounts, others might provide additional features or faster processing times. By carefully evaluating the benefits and drawbacks of each app, you can make a more informed decision and avoid potential pitfalls.

Pros

Emergency fund access: Cash advance apps can provide a much-needed financial lifeline when unexpected expenses arise, such as car repairs, medical bills, or school costs.

Small loan convenience: For those in need of a small cash infusion to tide them over until payday, cash advance apps offer a simple and efficient solution without the hassle of traditional loans.

Cons

Fees can add up: Although many cash advance apps advertise low fees, these seemingly small costs can accumulate over time, especially if you frequently rely on the apps for financial assistance.

Potential debt cycle: With automatic repayment features and easy access to funds, it can be all too easy to fall into a cycle of borrowing and debt with cash advance apps.

FAQ

To help you make the best decision for your financial needs, we've answered some frequently asked questions about cash advance apps below.

What is the easiest app to get a cash advance? Vola allows you to borrow up to $300 without a credit check, making it one of the most accessible options. However, each app has its own eligibility criteria, so be sure to research and choose the one that best suits your situation.

What app offers the largest cash advance? Dave provides up to $500 through its ExtraCash feature, while EarnIn offers up to $750 based on hours worked.

Are cash advance apps payday lenders? No, cash advance apps are not the same as payday lenders. While both provide short-term loans, cash advance apps typically do not require credit checks and have lower fees than traditional payday loans.

What app provides a $50 cash advance? Most cash advance apps offer $50 loans if you meet their qualifications. Be sure to read the fine print and choose an app with favorable terms for your needs.

How can I borrow $300 on Cash App? The maximum borrowing limit on Cash App is $200. To access this feature, go to the "Banking" header and select "Borrow." Note that Cash App Borrow is only available to users who meet certain requirements.

In conclusion, cash advance apps can be a valuable resource for those in need of quick financial assistance. By carefully researching each app and considering your specific needs, you can find the best solution for your situation. Remember to always borrow responsibly and never take on more debt than you can afford to repay.

[loverakhi]

Benefits of applying for personal loan for financial support

Life is full of surprises and despite making the best of financial plans it throws us into difficult situations when we need money on an urgent basis. Such are the situations when you resort to borrowing money from family or friends, taking a personal loan from the company you work at, or spending too much on a credit card. Taking money from friends and family is at times difficult due to the…

[rosepompadour]

Priscilla x J. Hannah Heart Locket

[dumbfunded]

New Interest-Free Loan Scheme Aims to Help Those With Lower Incomes

New Interest-Free Loan Scheme Aims to Help Those With Lower Incomes

It can be difficult to get a loan when you’re on a low income, as banks are reluctant to lend to those who don’t pass stringent affordability tests. (more…)

[buf309]

Well… is that face captivating enough to entice you to buy this W.I.S.E cosmetics collection? 🤔

--------------

***Disclaimer***

1/ The "Honey" slogan was coined by @nire-the-mithridatist

2/ The perfume bottle was based on the real Spy x Family Fragrances

3/ The other two pieces were based on the lipstick and blush balm I randomly found in my mother's cosmetic bag.

[bitchesgetriches]

Season 1, Episode 11: “I Feel Cornered by a Friend Who Keeps Asking to Borrow Money.”

Keep reading.

If you liked this article, join our Patreon!

[pianokantzart]

Guys, I think I found out why King Boo ups the ante so much in Luigi's Mansion 3

[movietonight]

Every PG Wodehouse chapter: Bingo is in love again. Jeeves won't help us come up with a scheme because I wore something orange last week.

[thesoftboiledegg]

[houseswife]

yeah your boyfriend peeled you an orange but would he fake his death to make you his afterlife? would black flowers blossom, fearless on his breath?

[gtbutterfly]

my view of giant characters in pet trope stories:

doesn't do anything about the tinies being sold as pets: bad

buys a tiny as a pet to own them as a pet: evil

buys a tiny as a pet to free them and be nice to them: okish, (i mean, you still gave money to the human traffickers. they're still gonna but and sell more tinys, you haven't really done anything to stop them)

beats the living hell out of the guy selling sentient beings and frees all of them: good, epic, amazing, based

(should probably make a post about my over all thoughts on the pet trope soon)