Til Debt Do You Part?

First comes love, then comes marriage, then comes baby in the baby carriage.

We all know this playground tune, but what you don’t know is that a much heavier topic goes hand-in-hand with these grown-up matters: money.

Til Debt Do You Part, bad credit loanWhether we realize it or not, love and finance are bound to intersect. When we invest our heart in a special someone, we may have to adapt our relationship to our bank accounts and vice versa. But too often, these issues are swept under the rug.

According to a study in the Journal of Extension, 70 percent of newlyweds enter marriage with debt. About 35 percent of these husbands and wives had more than $5,000 in debt when they exchanged those vows. The research also asserted that this money wedge distracted couples from strengthening their relationships.

But a rocky start isn’t all that’s at stake. A Utah State University study revealed an alarming link: couples who disagreed about finances were 30 percent more likely to divorce than couples who kept those disagreements to a monthly minimum.

Instead of continued squabbling over the “shoulda-coulda-woulda” problems of your financial past (bad credit) that may prompt a need for payday loans, consider how you can tackle these money challenges together. If you can identify potential obstacles while minimizing finger-pointing, you may be one step closer to harmony.
How Financial Tensions Can Start To Boil

USA Today reports that money is our most taboo topic of conversation—we’re more willing to divulge dirty details of our sex lives than expose the cobwebs and dirty corners of our bank accounts. So it comes as no surprise that we allow the financial shortcomings of our partner to simmer in our psyche until they boil over into an explosive argument.

But if you look at the root cause of your money issues as a couple, you may be able to nip tension in the bud.


Your spouse says, “Look what I bought!” as he or she proceeds to unveil a dozen items from one shopping bag. “But why?” you retort.

Whether you’re the spender or on the receiving end, this is an all-too-common occurrence. Ideas on how to spend the family dollars are going to differ when you’re in a spender-saver relationship.

The Commerce Department reports that while our spending increased in the first quarter of the year by 0.8 percent, our incomes lagged behind with a 0.2 percent increase. While there’s no magical solution to divvying up disposable income, these figures can teach an important lesson: balance.

Don’t allow your spending to outpace what you earn. That way, spendthrifts can scale back without feeling like they’re depriving themselves while penny-pinching partners can hold on to a larger savings fund.

Control Issues:

When both parties earn a paycheck, it’s understandable that you crave some bargaining power over your bank accounts. A poll by the Financial Planning Association found that 75 percent of financial planners reported that men made the family’s investment decisions while 60 percent say that women take care of short-term tasks like bills.

This split between long and short term goals may put you in a captain’s role while reducing the overall burden of your responsibility of the finances, but you and your spouse still risk missing the mark. Without a sense of what your future savings goals are, you won’t know what you need to do to properly control your current expenses. And unless you take a look at the financial picture you’re working with now, you may have unrealistic goals for where you hope to be in five or ten years.

Control issues may also manifest when one spouse tries to curb the other’s buying habits, creating a cause and effect circle of spending resentment.

But both spouses need to have an eyes wide open approach to the state of their bank accounts, where critique and encouragement should be integral. Even if your spouse pays the credit card bill while you add to the savings account, staying updated on each other’s transactions can help ensure that each element of your budget is moving in sync.

Lack of Communication:

The American Counseling Association cites communication breakdowns in marriage as a leading cause of divorce. You may not want to approach your spouse about what they spent and how their choices deplete your family savings, but it’ll do the both of you good.

You can put your financial happiness in jeopardy when you two have very different expectations. If you can take shame and blame out of the equation while adding a dose of responsibility, you may have a greater chance at avoiding dead-end arguments. Having these honest conversations will not only help you look at the reality of your cost of living, but also unify your financial goals.
Approaching Payday Loans Together

Once you’re able to identify the financial tensions of your relationship, you can apply your experience toward making the best out of a bad situation—like the unexpected need for a payday loan.

Get On The Same Page:

Consider what you and your spouse need to use it for. There’s a difference between using a payday loan for a short-term situation versus long-term living expenses.

A short-term need allows a payday loan to provide a life raft for that intermittent yet budget-busting vet bill or car repair. But a life raft won’t equip you for your high-seas journey. Borrowing for debt won’t get you out of it. Instead, you’ll risk perpetuating the same arguments with your spouse paycheck after paycheck.

Get Organized:

Lay out your emergency expenses on the table and calculate how much of your disposable income you can put toward payments. That way as a couple, you’ll both be able to determine what loan amount you can truly afford to repay by the due date.

Be sure to factor in interest rates and fees. There’ll be little room for argument when you don’t have to deal with the unpleasant surprise of a poorly budgeted loan.

Get Involved:

Take time to consider whose name will be put on the application and which account is best to repay your lender through. While only the applicant will bear the technical responsibility of repayment, a committed relationship means that your partner’s financial burden invariably becomes your own.

Should you apply for a larger personal loan down the road as a married couple, your credit scores will be averaged to determine eligibility. If you or your spouse failed to repay your payday loan by its due date, this blemish could end up on your reports and subsequently hurt your chances to borrow for a home or car.

Marriage never ensures smooth sailing, especially when adding contentious finances to the mix. But when you can take on the challenge of your worst money shortcomings—warts and all—you may be closer to finding the love and money balance that you seek.

Having A Successful First Date On A Budget

Courtship can be expensive, but most people feel it’s well worth the investment. However, rather than dipping into your emergency funds to pay for a date, you should make plans well within your budget. After all, if your relationship is ultimately based on expensive gifts and fancy restaurants, it probably won’t last very long.

Since the beginning of the recession, Americans become much more frugal about their spending habits. According to a recent survey conducted by CouponCabin.com, one area where numerous people have cut back financially is dating.

Nearly 26 percent of Americans admit to using a coupon on a first date this year, up from just 18 percent in 2022. Meanwhile, a similar share of respondents claimed they would have a positive reaction if their date used a coupon to save money.

Additionally, more than three-quarters of respondents said they would go on a second date with someone who used a coupon during the first. However, 12 percent said this would be a deal breaker and would not go out of a second date. Only 1 percent claimed they would walk out on the date if a coupon was used to pay for a meal or activity.

1. Affordable Ideas For An Impressive First Date
When it comes to a first date, first impression can be everything. This causes many people to go overboard and break the bank in the process only to learn that it wasn’t meant to be.

Rather than pay big bucks to go to a restaurant, consider taking your date on a picnic. It’s quite easy to pack an affordable lunch or dinner and fit it into a backpack. To extend the date, consider incorporating a bike ride to get to your destination. For a little ambiance, consider bringing candles, and, if you’re of the legal age, a bottle of wine.

2. Hit A Local Jazz Club
Going to a concert can be a great first date, but two tickets to a hot show can be expensive. Instead, go to a local jazz club for a drink and entertainment. even if you have to pay a cover fee it will likely be much more affordable than a concert ticket.

3. Put On Your Ice Skates
With colder weather approaching, the number of outdoor first date activity you can do may be limited. However, that doesn’t mean there aren’t options.

If it drops below freezing in your area, a first date at an outdoor ice skating rink can be a cheap, but still very fun, first date. In addition, if your date doesn’t know how to ice skate, it can give you an opportunity to help the out and show that you care.

4. Check The Showtimes At Your Local Theater
Who needs to spend a considerable amount of money of Broadway tickets when you can go to a local community theater on a budget. Chances are these tickets will be much more affordable, and in some cases may be donation based.

Since this venue isn’t as formal as a professional theater, it will likely have a much more casual atmosphere that can give you a chance to get to know your date.

Payday loans cash in a flash

Now who wouldn’t want to have the cash he needed in a flash? I sure do! Yet is there really a way that we could get the money we need when we need it? There are countless financial institutions – both online and offline – in the USA (and all over the world for that matter) today. How many of them can actually give us the money we need within the amount of time that we need it? This is easy if we apply for the loan at least a month before we really need the money. But what if the need jumps up with almost no notice at all? Where do we run to for quick cash?

payday loans in your city (USA)Lucky for us there are payday loans! Bad credit payday loans in your state & city are simply short term loans that are offered to the public who are in need of quick cash. They are not that different from any other loan except that they are available to more people and they can be acquired within a very short period of time – which is perfect for those unexpected needs that crop up every now and then.

Almost anyone can avail of a payday loan. Of course, there are certain requirements before a person can be approved but compared to other conventional loans, it is easy as pie. Different payday loan lenders naturally have different requirements, but they do have some common basic requirements. One of these is that the borrower must be at least 18 years old – that’s normal, most any other transaction would require such. Another thing is that the borrower must be a resident or a citizen of the USA. If you are in the USA and reading this, then I think that this requirement would not pose any problems, would it?

Another easy requirement is for the borrower to be able to prove that he has some sort of income coming in. This usually means having a stable job – one that you have had for at least 3 months. This period of time may also vary depending on the payday loan lender. Alternatively, if you own your own business, you only have to prove that as well. Proof can be pay stubs or certificate of employment or financial statements from your business.

Last, you need to have a current bank account. This is very important because this is where you will be getting your money from the payday loan. The payday loan lender will deposit the money straight into your account once the payday loan application has been approved. It can also be used as the means of repayment for the loan, doing away with the hassle of having to go pay it yourself.

As you can clearly see, payday loans can provide cash in a flash. In practical terms, this “flash” could be as short as several hours or it can extend to 24 hours. Still, that means that you will have the money in the shortest possible time! Where else can you get that kind of service?

Searching out the fast cash payday loans

Following debt problems, you may find that your credit score can take some time to recover and this could mean that many forms of conventional borrowing may be closed to you – at least until it does recover. Sometimes one exception to this is fast cash 1000 dollars payday loans – you may find that they are available even if you have had debt problems in the past. (Of course, anyone who applies for a cash advance loan like this is not guaranteed to be accepted).

With fast cash 10 payday loans you borrow relatively small amounts of money, typically for a matter of days or weeks, until your next payday.

On your next payday or the one following that, the loan is paid back in one lump sum together with interest and any related charges.

Online access

Payday loans are typically available online. To apply you need:

to be in employment with a regular payday
to have a bank account and a debit card
to be USA resident
to be aged 18 or over

Once you have submitted your details together, of course, with the amount of money you would like to borrow and the date you want to pay it back, a quick credit check will typically be carried out and you’ll get a decision almost immediately.

A bad credit history will not automatically mean that your application will be rejected.

Fast payment

It’s not just the application and decision process that’s fast. If your loan application is accepted, you may find that the money could be in your account in a matter of a couple of hours or day or so at most.

Automatic repayment

On your specified payday, the total amount of the loan together with agreed charges and interest, calculated on the number of days that you have the loan for, will generally be deducted automatically via a debit card transaction from your bank account.

Your loan will be closed off. You are then free to apply again for another payday advance in future, though do note that regular borrowing via a payday cash advance may indicate that you have a debt problem and reputable top payday loan companies may not be prepared to allow you to borrow.

Starting again

Even if you have managed to get your life and your finances back under control following debt related problems, you may still be finding it difficult to borrow money. Fast cash payday loans may help ease a difficult month.

Getting hold of prepaid cards for business

If you run your own business and are often out and about meeting clients, then there are going to be times when you may need prepaid cards for business to:

1 – pay for entertaining customers, 2 – settle hotel bills, 3 – buy fuel for transport, 4 – get cash for incidental expenses.

Of course, you could do all these things on your own personal cards and claim the costs back, but you may run the risk of forgetting to claim back all your costs, or lose important receipts relating to a transaction, meaning that you cannot put a claim in for that amount.

You may spend money for your business on one of your personal cards and find that when you try and tally up your expenditure at the end of the month it all gets a bit blurred around the edges as to what is a business cost and what is a personal cost.

Prepaid cards for business may be the answer.

These may typically give you the freedom and flexibility you need to carry out your duties while giving you the peace of mind that you cannot inadvertently overdo things.

So how do prepaid business cards work?

These are cards that are preloaded with a fixed sum of money. They may carry a brand name – such as the MasterCard prepaid card – so they can typically be used wherever you see the brand name.

The difference is that they are not actually credit cards. There is a fixed value on them that cannot be exceeded. So you are in complete control of how much is being spent.

An additional characteristic of prepaid business cards lies in the fact that they can often be maintained online.

With some providers you may: 1 – have access to the card account and can see exactly what is it being used for, 2 – choose to receive a text or an SMS message each time that the card is used to pay for something, 3 – even be able to credit funds to the card online to top up the financial amounts available.

Of course, product terms and features can vary, so it may make sense to check out the small print so you understand exactly what your prepay card will offer.

In control

Prepaid cards for business may give you the flexibility you need to operate effectively whilst keeping it completely separate from your own personal financial arrangements.

From John Beasley:

“Shooting on location is intense, hectic and demanding. But it does afford many moments of pure waiting….waiting for the next scene, take or re-shoot. For years, I have spent many of those waiting moments conceptualizing the idea of a unique theater in Omaha where theater production workshops are provided for aspiring actors to receive direction and training to develop their acting profession.

“My VISION is to create a venue (John Beasley Theater & Workshop) that will make the theater arts “come alive” for more people. People…men, women and children…who otherwise might never enjoy the magic of watching a live theater production. People who might never experience an on-stage or back-stage encounter with “the smell of greasepaint and the roar of a crowd”. People who might never peer through the entertaining looking glass of life embodied in a stage production. And last, but not least, people who might never believe that theater can reflect their unique cultural experience, indeed their very lives. My dream is to see that everyone in Omaha has access to these opportunities.

“This VISION is on its way to fulfillment. Dedicated volunteers have embraced it and are now helping to breathe life into it. I will continue to invest my resources, expertise and experience into it.”

Cash advance payday loans – short-term lifelines

If a forgotten about final demand has just dropped through your letter box and payday is still some time away, then cash advance payday loans may be just what you need to tide you over.

Borrowing money from high street lenders can be a long drawn out process.

Following your application there may be a lengthy approval process, more delays to sign things off and yet further delays waiting for the funds to become available.

If you just need a relatively small amount of money quickly (say around $50 – $3000) and for a short time period, then a cash advance payday loan may make more sense.

Payday loans are available from online pay day loan companies and the whole application, approval and payment cycle is typically extremely fast.

The basic principles of payday loans are fairly straightforward:

> there’s typically a short online application where you’ll be asked for some personal and employment details
> you’ll need to provide the bank details of the account you want the money paid into and this will need to have a debit card attached
> a quick credit check may then be carried out
> if approved, the funds are credited directly into your bank account
> on your next payday the loan and agreed charges will be automatically deducted from your account

The main differences between cash advance payday loans and other bank loans include:

> because the sums involved tend to be small you may still be approved even if you have had credit problems in the past;
> you typically won’t be asked questions about why you want the money – you could need it to clear an unexpected bill or just to take advantage of a special offer that won’t be around for long;
> the whole amount including interest and charges is paid back in one payment on your next payday;
> the loan is cleared quickly and you can apply again anytime as the need arises

Cash advance payday loans can help you manage your finances if you find yourself needing a little bit extra just before payday. The process is simple and can typically be completed with just a few clicks of the mouse.