Need helping saving this season? Holiday money loans can help. (Photo: Lin Pernille Photog/Flickr/CC-BY)

If you’re like most people during the holidays, you are either in need of some extra cash or are flat-out broke. Fortunately, getting a holiday cash advance can quickly help you through your short term cash needs. It is certainly the best time to spend, and if you’re behind on bills and unexpected expenses, you could miss out on all the money-saving opportunities of the season.

Find the best holiday cash advance lenders

There are many lenders who offer holiday cash advance loans. But finding the right direct lenders can be difficult, as you need to research different providers to find one that’s right for you. Sometimes, just when you think you have found the right lender, your credit becomes an issue. With a less-than-perfect credit score, to most lenders, you are automatically considered a high-risk borrower who’s unable to make payments on time. That is not always the case, however. For this reason, Personal Money Market strives to make borrowing money a pleasant experience by providing fast, convenient financing options available to almost anyone in need of a small holiday money loan.

How to get a holiday cash advance — fast

Personal Money Market is backed by some of the most reputable direct payday lenders online. We will help you find the lender that can cater to your specific needs. With just one application, you can save valuable time by allowing us to do the research on lenders for you. We’ll sort through our network of lenders to deliver the best — in just a few short minutes.

A merry season with holiday money loans

There are many ways a holiday cash advance can help with your budget this season. Saving money has become the prime focus today, and the holiday season is the perfect time to do just that. With unbelievable deals and incredibly low prices, shoppers can save big on the items they want. So if a holiday cash advance can help you save hundreds this season, it may just be worth considering.

Get a cash advance loan online today | Start HERE

(Photo: MissMessie/Flickr/CC BY-SA)

Coupons are everywhere now. Almost all retail businesses use coupons to entice new customers. You can save a lot of money on almost anything and prevent the need for a payday loan just by using coupons. Even if you feel you don’t really need to save money, you can use coupons to start a fund for your favorite charity. Everything you save from coupons will be much appreciated by food banks, Toys for Tots foundations and many other organizations in need of donations.

Saving money with coupons

Coupons are easy to find. Type “coupons” into your web browser and click search. Your local newspaper’s website should have them, as well. There are multiple websites now that are offering thousands of coupons ready for you to take advantage of. They can be very substantial, too, such as the 50 percent off fabric store coupon at JoAnn Fabrics and free shipping coupons at Cabela’s. Many of them have Internet codes that let you get a discount right off your online order. Next time you go shopping, take a minute to look up coupons for the store you’re buying from or perhaps on a particular item you’re looking for. You never know what you might find.

Double your coupon value

The local papers also put out coupons for everyone. Sometimes, you can even find “double coupon” savings. This is when you really want to take advantage of those small coupons, as you could double your savings easily. There are folks who buy all their household items with coupons. A program once documented a woman buying $125 worth of groceries for only 25 cents! Who needs a payday loan or cash advance loan at this rate?  To think you could save yourself that much or benefit your favorite charity that easily.

Begin slowly by simply looking for coupons. Start collecting them and pay heed to discounts offered online. Then, when you do go shopping, you will already have your own collection to use.

These are the repossessed homes that banks no longer want to sit on. Banks are more than willing to work with you in any way possible to sell off the home. It’s smart business, if you ask me, and it is all to your advantage if you don’t have a home of your own.

Banks, mortgage lenders and Realtors

The best part about it is that it doesn’t cost anything to look into this amazing opportunity. Why not shop around? With interest rates as low as 4.25 percent, you just might score an amazing deal. It can be fun, too, rather than an emotional, upsetting adventure. There are plenty of horror stories out there about banks not performing well and Realtors who are only hungry for their commissions. However, all banks, mortgage lenders and Realtors are not created equal. You won’t find the good ones if you believe they are all bad.

Finding the right people

To find the right personal loan mortgage lender, ask around and don’t believe everything negative someone tells you. My friend (the Realtor) found a guy who can almost always get a loan done in a very short period of time. Now, is that because he is cheating or dishonest? Not at all. He just knows his business and only gets paid if he processes an approved loan. On the other hand, those working at banks may be paid on salary and won’t really care how long it takes to get you approved. Ask, and keep asking until you find that one lender that’s fast, efficient and professional.

It is to your advantage

It might take you a little while to find the right people; stay calm and be patient. What happens, typically, is we get excited about buying a house and jump on the first available opportunity, then get dragged through the mud, only to swear we won’t do it again. Just take the time to find the right lender. Make it an adventure and remember, you can always apply for a payday loan or a cash advance loan to help you along the process.

Need help staying in the green this holiday season? A payday cash advance loan can help.

Getting an online payday cash advance is one great option for obtaining quick holiday financing. Many people run out of ideas this time of year on ways to finance their holiday purchases. Don’t be one of these people; there are always options.

A payday cash advance is useful in many ways. These payday loans are an easy, secure way to borrow money without the headache and stress of bank loans or credit cards. You don’t even have to apply for the “store” credit cards that only let you use them at the store you are shopping at.

Payday cash advances are easy and useful

Getting a payday cash advance is both easy and very helpful. You don’t have to wait in lines at the bank, bring in mass amounts of paperwork and wait days for an approval or denial, sometimes even longer, just to get the financing you need. You can get an approval in minutes and a payday cash advance just hours after approval.

Are there any other benefits?

There are many benefits to getting an online payday cash advance — too many to list. But a few of the basic benefits are that they are secure and private, you get the money right away, you can pay back the loan with a few small payments, and you don’t incur huge interest month after month. They are much better than credit cards because you can pay them off faster without the reoccurring monthly interest that seems to never go away.

Get your payday cash advance today

Apply right here today, and you can get your approval in minutes. There are generally no credit checks and no faxing of paperwork, and these loans are really easy to obtain. You can have the funds directly deposited into your checking account, minus the headache of having to run around town. All you need is a computer with Internet access. Apply today and you just might have the money you need before the holidays.

Start you payday cash advance loan application HERE!

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If you were crossing a street and a car speeds up toward you, your natural instinct would be to run to safety. But what about having that same feeling but for no obvious reason? Panic attacks are brought on when the brain is deceived into thinking that there is danger. You could be in a restaurant or standing in line at a bus stop and out of the blue, without warning, your inner emergency switch is activated for no apparent cause.

Panic attacks, fear

Only people who have experienced this sort of panic can identify the feeling that many describe as an adrenaline rush that races through your body. It can last a few short minutes or up to an hour or more, and then it leaves as abruptly as it came.

If your panic attacks are causing you to isolate yourself at home, you should seek help through through therapy. You could try addressing your fears and staying put until the panic attack goes away. However, this may not be the best method to use, particularly for those known to have asthma, peptic ulcer, heart trouble or any other similar conditions. You should consult a doctor before trying any treatment on your own, even if it requires a cash advance loan or a short term loan.

Some causes of panic attacks

Relaxation remedies can help lessen the buildup of stress and anxiety. Poor attitudes and low self-esteem can be a root cause of panic. Talking to a trusted family member or friend often helps in resolving a problem that is causing you undue stress.

There are many causes of panic, such as rape, child abuse and war. But not all panic attacks are brought on by trauma. It helps to write down each one and work on them one by one, instead of all at the same time. Handling them this way could help you identify what it is that causes you panic attacks. You will learn to recognize those triggers and be able to tell your doctor exactly what they are. That way, he/she can have a better idea on what can be done to help.

Payday advance loans can come in handy. Apply anywhere - online or over the phone! (CC-BY-Business Phone/Picasa)

Are you looking for some fast cash? Believe me; I have been in your shoes. Whether there are bills that are due or unexpected emergencies, we all need a little helping hand from time to time. There are few options for obtaining cash when you need it, and some are less welcome than others. But by simply taking out a payday cash advance loan, you can get the money you need fast without any headache in getting it.

What is a payday cash advance loan?

A payday cash advance loan is quite simple, really. It is money that is lent to you, with interest, that you pay back on your next payday, or over the course of a few paychecks. The money is directly deposited into your checking account, and you can have quick access to the cash you need, sometimes in just a couple hours after approval. You don’t have to mail off anything or go anywhere to make a payment. It is all done in a simple, hassle-free way.

Obtaining your payday cash advance

The processes is both simple and quick. Below you will find some generalizations of what is usually required for these loans and why they serve as a great option for anyone.

Why I choose a payday advance loan

• Typically no credit check
• Confidential and secure
• Easy repayments
• No faxing in paperwork to apply
• Quick approval in minutes
• Money is directly deposited into your checking account
• No waiting for approvals
• No need to visit an actual walk-in store
• No mailing of any personal documents

Qualification

• A bank account
• A steady job
• Over 18 years old
• U.S. resident

If you meet the above qualifications, you are already done with the hardest part of the application for your payday advance loan. These loans are safe, secure and cheaper than bank fees and other late/penalty charges. So don’t wait. Apply for a payday cash advance loan today!

Apply for a payday cash advance loan | Start HERE!

(Photo: airwaves1/Flickr/CC-BY)

You may be wondering what is the best way is to train your dog and what methods you have to work with. The best answer to this question is to probably enroll your dog in a basic obedience class that is offered in most pet stores for a six-week course to establish basic commands. It is best to start while the pup is young, but contrary to popular belief, old dogs can still learn new tricks.

Leader of the pack

You first need to realize that dogs, like wolves in the wild, are pack animals and will instinctively follow the perceived leader. You must be the leader of the pack, in a sense. This is how your dog will best respond to your commands and be willing to obey you with pleasure, as they aim to please their masters. It is good to understand that in the wild, the leader of the pack picks the best place to sleep, gets to eat first, etc. So if you allow your pet to sleep on your bed or eat from your table, you could be sending signals that your dog is the leader of the pack.

How does your dog respond to your commands

When your dog responds well to your commands, that means he recognizes you are in charge. If you do not establish this important step, your dog may feel he is equal or, even worse, superior to you, which could cause serious behavior problems. When teaching your pet simple commands, you will want to have a collar, a good lead and a whole lot of patience. If you want to give your pet a basic training course and need a little extra cash for this, you may want to consider taking out a payday loan or cash advance loan.

Stay consistent

Make sure you use one word commands like sit, stay, down, etc., and immediately praise him when he listens to each command. Remember that the tone of your voice goes a long way and is more important than the words you choose to use. Your pet will come to recognize when you are upset or happy by your tone and can even tell by your expressions. Keep your training consistent, and before long you will find that all your effort has been worth it.

What is a short term cash advance?

A short term cash advance is a small loan that is extended out to a borrower for a short period of time. You can expect the money to be sent to your bank account within hours of approval, in most cases.

How safe is it to submit my information to these companies?

You have nothing to worry about because all of these loan companies have “https” site security. It is featured in the address bar of all secured pages on their site. Any time you see “s” at the end of “http” in the address bar, you know that your personal info is well protected.

How is the loan paid back?

You have two options: pay back your loan all at once or pay back your loan in installments. If you decide to pay back your loan in installments, you might not have to pay more than $50 a month, depending on the size of your loan.

How much money can I get?

You can get as much as $1,500 with a short term cash advance loan. In some cases, you may be able to get more than this by speaking directly with the agency that approves you.

Where can I get this loan?

You can apply for the loan right here below this article. You should see a short application form that will take only a few minutes to complete. After you submit your application, a message should be displayed on your screen notifying you of your status, usually in just a few short seconds.

Start your Short Term Cash Advance loan application HERE!

Parents with school-aged children can sympathize with me, I am sure. What do you do when your child’s school continually asks for money to fund field trips? Chances are that you are tempted to take out a cash advance on your salary, so let’s consider the cash advance option.

The cash advance amount you need

When field trip permission slips come at you with no end in sight, a cash advance can provide the very help you need. The amount you take out depends on the amount the field trips cost. Luckily, only a few of my children’s field trips needed money. No matter the amount needed to cover the costs, remember to only take out what you need and what you can afford to pay back with your next paycheck. A cash advance is just that–an advance on your salary.

Apply now for a cash advance!

Applying for a cash advance is easy. All you need to do is to click on the green “Apply” button and fill in your details on the secure form. Once you have submitted your information, it will be forwarded to a lender to review your details. A decision will be reached within minutes, and you will receive the money you need upon approval. Then you can pay for the field trips and your children will be happy they get to get out of school.

Pay on Time and Avoid Late Fees

There is a simple trick to avoid the high late fees that come with a cash advance. Pay on time with your next paycheck. All it takes is just a little planning and commitment, and you can avoid these late fees.

Start your cash advance loan application HERE!

Consumers are using cash advance loans because their 401(k) accounts are being handled by their employers. A new study is showing that there is a new trend in the world of retirement accounts. Barclays PLC’s Barclays Global Investors are now telling employers to automatically build savings for their workers by putting 8% of their pay into a retirement account. T. Rowe Price Group has been moving workers retirement funds into target-date retirement funds, even if the worker previously opted out. Prudential Financial Inc. announced plans to persuade companies to prohibit their workers from borrowing from their individual retirement savings accounts.

Changes like this are making it more difficult for workers to take out money if they need it. A lot of consumers are saving for their futures, but also think of their 401(k) as an “emergency fund” that is there if they need it. There are penalties, but it is still money available. Many of the new laws regarding retirement savings are changing that.

Employers are getting more aggressive with IRAs

The move for employers to become stricter with retirement money is a new wave in the industry. Many companies already restrict their employees’ retirement funds and automatically enroll workers into a 401(k) plan. The worker can opt out of course, but traditionally, they don’t. This new method of employer control is not unlike a defined-benefit pension plan. There is one key difference, however. With the forced 401(k) rules, the individual employee has to bear the brunt of any investment risk.

Fund firms and retirement plan providers are looking at savings from a more controlled perspective. Studies have shown that people historically are not good with their retirement money. Some employees invest far too little, while others invest too aggressively. Straight across the board, employees don’t save enough. This has the ability to bring about a crisis in years to come. Now that Social Security is projected to be tapped out by 2016, consumers need to be ready to take charge of their own retirement funding. Without the necessary savings, it will be impossible for many hard-working people to survive. Without savings, consumers could be left to rely on cash advance loans, short term loans, or families for making it through financial difficulties.

The risk for workers dealing with aggressive employers

There is risk for employees who have to deal with aggressive companies managing their retirement funding. When employers are tasked with making decisions regarding savings, they are left to move these funds towards target-date funds. Many target-date funds were crushed last year due to the recession and that alone brings up many concerns by financial experts as to their reliability when times are tough. Lawrence Kotlikoff, a Boston University economics professor, said, “Automatically putting a big chunk of workers’ pay in stock-heavy, relatively high-fee funds is a form of financial malpractice.” The move is causing employers to not only put larger chunks of worker’s paychecks into their 401(k) account, but also they are increasing the contributions each year.

Retirement no longer in consumers’ hands

So this leaves the future of workers up in the air. Sure they need to save money for retirement, but are employers the best ones to handle the saving plan? Though historically people have not saved nearly as much as they should, does that automatically mean employers should police peoples’ accounts? Or should people be left to manage their own money? These and many other questions are being explored by the Senate Committee on Aging. The organization plans on examining risks, fees and potential conflicts of interest in retirement funds. Until a clear cut solution is found, employees may need to rely on other forms of savings, such as credit cards, cash advance loans and family aid to make it through their retirement years.

Start your cash advance loan application HERE!

If you take control of your money and credit cards, you'll find smiles during the recession.

It’s no secret that the world seems to need a large collective cash advance loan during these difficult financial times. What seemed like merely an American problem has began to take on a global scale, with banks being at the nucleus of the financial collapse. Banks have caused a sufficient amount of trauma over the world, whether from their unfair bank charges, over-paying, or over-lending. While we can’t magically make the financial issues of the world better in an instant, we can perform individual activities to help steer clear in a time of such seeming darkness.

There was a time when shopping was a great excitement. However, now it seems that a person is always asking, “Do I absolutely need this?” for fear of spending more money than they have. Another question that they often ask is, “Will I have a need for this money later on?” These two questions seem to be the main concern of a lot of Americans, and they can really put a downer on your shopping experience. But they are important questions that need to be answered if we want to stay afloat in this period of economic crisis.

Been Renting? Think About Buying

Believe it or not, there are more than a handful of housing incentive programs out there for when the economy is in the state it is. These incentive programs help first-time home buyers. In some cases, you would be mind boggled to see the cost difference of a mortgage versus the money being shelled out for rent. And then, in other cases, there isn’t a huge difference between mortgage and renting. Well, the main difference is that with a mortgage you have acquired an investment.

Be Cautious with Credit Cards

If you happen to be blessed with credit cards or loans, make sure that you use them wisely. The biggest mistake that lots of people make is they assume they should use their credit because they have it. This is a huge mistake. Try and cement in your mind that you have your credit cards for emergency purposes only. If you see something that you like and want but can’t afford it, waiting and using cash might be easier than pulling out those credit cards. The last bit of advice regarding credit cards is that it’s best to pay off the full balance of the card each month so that you can avoid bank charges at the end of the month.

Craft a Personal Budget

You want to make sure that you always have a realistic budget, setting aside something from your paychecks each week that can be saved. This doesn’t have to be difficult at all. You simple take out five to 10 percent from your check to save for emergency issues. Your major goal is to make sure that you survive throughout the recession that we’re in. If you save up some money for yourself, your chances are better. If you need the help of credit cards or cash advance loans, then you have to do what you have to do. But passing on the rented movies, eating out, or new outfits in order to save money is the best choice.

Apply for Cash Advance Loans HERE!

It's no surprise that a cash advance loan can help when you need money but can't get it from banks due to bad credit. Apply here today! (Photo: flickr.com)

In short, yes!

A cash advance for people with bad credit can be gotten from a number of different loan companies. Since for the most part these loan companies are not affiliated with mainstream banks, you need to realize the amount of money you receive may be less than what you would receive from a bank. You should also understand that there are conditions which you must be prepared to fulfill when you apply for a cash advance.

For the most part, cash advance loans are loans where you receive quick money based on a short-term prospect. You will need to repay the entire amount on your next payday. There are advantages to a cash advance for people with bad credit. Most cash advance loans are fairly straightforward.

Cash Advances with Bad Credit – AKA Payday Loans

While the names may be different, the end result with both of these loan types is the same. With both of these loan types, the company will loan you some money. There is a repayment time limit. You will need to make sure that you can repay the loan in the future. This is especially true if you have bad credit and no other way of getting extra money fast.

In order to get a cash advance through a bank or credit union, you may need to provide some sign of security to the company. This is especially helpful for them if you have bad credit. In this case, you are at a higher risk of having your assets taken by the loan company if you fail to pay the entire loan amount at the end of the loan period. However, online cash advance portals like Personal Money Market do not require such collateral. In fact, there is no need to despair, as a cash advance for people with bad credit is not at all uncommon.

Requirements for a Cash Advance Loan

There are some factors which you will need to understand before you can apply for a advance cash loan. These factors are: having a steady job or income, having an active checking account and having a sufficient amount of income per month. As these requirements for a cash advance loan may vary from company to company, you will need to understand the details associated with your loan.

You should think realistically about the needs you have that require immediate cash flow. For instance, take into account when you are considering this option whether you will easily be able to repay the cash advance when it comes due. If not, perhaps you should consider borrowing a smaller amount. Cash advance loans are a tool for short term financial hiccups, not a regular means of infusing your bank account with cash. Proper budgeting and money management are essential.

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I met up with my son this afternoon and I was delighted to see him smiling and looking very relaxed. “What’s going on?” I asked, thinking maybe he’d just gotten a cash advance loan. “Cars are pouring in,” he said. “Don’t ask me why or where from; I don’t know. All I can tell you is that my six technicians are working flat out, even overtime, and buisness is looking great.”

What a change from the past two months. My son operates a small business that provides pre-delivery services to car dealers. They fit radios, antennas, alarm systems, keypad locks, tracking devices, GPS, and even inboard computers. All these items, as ordered by the car buyers, are fitted while the car is in storage and prior to delivery.

Work stopped completely

Business was going quite well, despite being below its normal turnover due to the recession, and then about two months ago my son arrived at the storage center one morning to be told, “You have to take your crew out of here. There are no new cars and we cannot tell you when cars will start arriving again. We can’t have your men wandering around with nothing to do.” Naturally, he was devastated. He switched to providing repair services, but that dried up after a week or so, too. Two of his technicians quit their jobs to look for other work, and as much as he valued them, he accepted their resignations with relief.

People were laid off

All in all he laid off only three men and managed to keep the other five busy with all sorts of car-related odd jobs. He himself looked pale and nervous as he stood and watched his years of hard work building the business go down the drain. Then he managed to get a cash advance loan to help him through the next few weeks.

Suddenly, business started up again

Today my son is a new man. He has worked until midnight almost every day this week to fill in for the men who left but is quite happy with the situation. On the other hand, he says, “It all happened so suddenly that I’m nervous I’ll get to the workshop one morning and we’ll be shut down again.”
From what I can make out in the press reports, the car industry is going through a major crisis in the wake of the recession. People simply are not buying new cars. But as always happens, after the shock wave dissipates, things return to some semblance of normality and everything starts up again. So long as you don’t look over your shoulder and see the newspaper headlines or the homeless in the streets, you’re fine.

The casualties are everywhere

The casualties are everywhere: the unemployed, the homeless, those that have lost their pensions and have had to return to work, and those who are working at jobs way below their positions before the recession. I think it’s going to take years and years for things to come right, if they ever do. The number of empty stores still seems to be increasing and retail trade is nowhere near what it was.

Let’s hope the holidays help!

Hopefully, the coming holiday season will give business a boost along with a dose of cheer. A cash advance loan is a good back-up plan to make sure ends meet while sharing a little joy in the upcoming (and expensive) holiday season.

Apply here for a Cash Advance Loan

Yep, it's worked that way for me, too. (Photo: flickr.com)

You’ve seen the disclaimer before about using cash advance loans responsibly. But what does that really mean? Sure, you’d be foolish to plan a trip to Las Vegas and go to the tables strictly with cash advance money. There is no guaranteed rate of return and the house always comes out ahead in the end. It would also not be advisable to use a cash advance to help train yourself for an ice cream-eating contest. Your waistline will already be paying for that little escapade with interest, so why would you want to also pay interest on the money used to purchase your ice cream and ice cream paraphernalia?

In general terms: a cash advance is there to help you during a small-scale financial emergency. It’s easy to sit back and want something, and it’s also easy to apply for a cash advance to scratch that itch. However, that doesn’t mean you should do it. A cash advance is a responsible way to deal with a difficult situation when your options are limited.

Struggling with temptation

It all sounds well and good, doesn’t it? You know as well as I do that temptation can strike at any time. Splurging once in a while is fine, but actually using short-term loan products like a cash advance to artificially inflate your budget is asking for trouble. I haven’t been in that exact situation, but I do remember a couple of instances where the strong impulse to buy overrode higher brain function.

Let’s go back to when I was a child. My father owned a trucking company, and as a result of that he was not around as much as I would have liked him to be. He knew this, and he felt guilty about it. He attempted to compensate by buying me things, particularly comic books. However one day I was out with my dad on the weekend running errands and we stopped at the local gas station convenience store. It had been a long day and we were both tired. My father and I went into the store so that we could buy drinks. I was hoping for my favorite slushy, cola flavored. Little did I know that that little convenience store would become one of the battlegrounds of my childhood. Next to register was a rack filled with cheap toys, the kind you find in convenience stores, grocery store toy aisles and in the back of drugstores. I spied a small puppet — it was a Raggedy Ann puppet as I recall — with no moving parts and a very cheap presentation this way of the dingiest Taiwanese toy factory/sweatshop. I had heard mom say that we needed to save money, but I would have none of that. I didn’t have a toy on hand to amuse myself for the rest of the car ride, so I insisted that daddy buy me the piece of junk puppet.

The line was drawn, and I wouldn’t give an inch

It was on this occasion that my father decided he would play at taking a stand. He would attempt to teach me a lesson about money by using all of the reasonable arguments, such as that the puppet was very cheap, it would break easily and I didn’t have to have a new toy every time I went outside. I wasn’t a baby when this happened, so logically I could understand all of the things he was saying. I wasn’t unintelligent, but the infantile mind I had when it came to valuing money took hold. I began to whine and drone on in my usual way about how I really wanted it, and I think I embarrassed my father in front of one of his friends, the shop owner. Rather than get angry, however, my dad caved like he usually did. By the time we got home that evening, my funny little puppet was already broken and forgotten. I could scream for money, but I didn’t appreciate it once I got it. I wanted a cash advance, but I had no true inkling of what it took to provide that money. I still feel guilt over what I put my parents through to this day, and I’m a grown man now. Cash advance for counseling… now that’s a more responsible way to use a short-term loan.

Sharing lessons learned with my young cousin

Skip ahead 12 years. I’m a young man on a family outing to the zoo. We had a great time calling to the hyenas, watching the alligators consume their daily meal and ducking as the gorillas flung their fecal matter across the enclosure. It was our family tradition that at the end of the visit, we would stop in the gift shop near the exit to the park. I am sure this tradition probably began with me wanting a toy, but I was no longer a little boy. Today, the little boy was my cousin Ryan. He was (and still is) a sweet kid with a very intuitive sense of how others are feeling, but on this day he was somewhat less than sweet. As he paced furiously up and down the aisles of the zoo gift shop, Ryan’s expression grew increasingly upset. He had his little coin purse in hand, and he was looking for a souvenir that he could afford. As it stood, all that was within his limited budget were some rather cheap toys (more plastic bits of stuff from Taiwan) that he didn’t even seem to be very excited about.

Yet some kind of compulsion was at work here. Ryan had to buy something, and the fact that there wasn’t anything that he truly wanted was unimportant. I recognized what was going on because I’d been there myself when I was a child masquerading as a consumer gremlin. Buying simply for the sake of buying was ultimately not fulfilling, and I wanted to teach Ryan some of that lesson. I wanted him to understand that it was okay to save his money for something he really wanted; spending for the sake of spending would put him in a position where he’d have junk instead of something he really wanted, like a new skateboard. A cash advance for the purpose of slating greed was no reason for him to break his bank.

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I wasn’t able to convince Ryan to save his money, which I suppose is not surprising. Those kinds of lessons have to come at an early age, ideally from one’s parents. My parents didn’t do that for me. They were good parents on other fronts, but when it came to money, they weren’t much help. Ryan’s upbringing was probably similar.

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So when you think about whether or not to take out a cash advance for your short-term financial issue, consider whether you are merely responding to a gut level decree, or whether you’re facing a problem that needs closure. Taking out a cash advance to solve a real problem is the more responsible way to go. Click the button above to apply here. I just hope you’ll use it responsibly.