The best time of day to find debt relief, without payday loans

A man in a grocery store with a basket full of food.

Avoid the need for more payday loans by targeting specific times of day when making purchases.

One way to find debt relief as well as avoid the need for payday loans is to target specific times of day when making purchases. Businesses are desperate to find new customers, and they are consistently playing with specials and discounts that spur new buyers into their storefronts. The latest studies are showing that there are special times of day when deals can be more readily available. Here are some keys to finding extra savings.

Airline travel

When it comes to air travel, tickets seem to be cheapest on Tuesdays, Wednesdays, and Thursdays. According to Rick Seaney, CEO for, you should “Start shopping for plane tickets after 3 p.m. Eastern time on Tuesdays, Wednesdays and Thursdays.” His claim is that studies have shown that this is when airlines offer the deepest discounts on flights. The absolute worst time to shop for flights is Saturday or Sunday, he added.


If you’re going bowling, always go either before 10 a.m. or after 9 p.m. for the best rates. Another tip is to always go see movies early on Saturdays or Sundays for matinee shows. Smaller towns also may have a theater downtown that shows older movies at a greater discount. In Lagrange, Ill., for example, the downtown theater offers movies on a two-month lag in scheduling, for $5.50 a show all day long and $4.50 for shows before 6 p.m. If golf is your choice in recreation, tee off by 8 a.m. or after 3 p.m. for the best rates. Also, gyms have great discounts on their “off peak” hours, like before 11 a.m. and after 8 p.m.

Cell phone services

Huge savings can be found if consumers are willing to look around from carrier to carrier. Some wireless plans offer free calling after 9 p.m.; some will extend that from 7pm for a small fee. Weekends are also free. Try using cell phones during free hours and communicate in person or via email other times. Also, families can take advantage of greater savings if they merge plans under one company. Many companies have dual-line plans that benefit multiple users.


Even high-end restaurants are suffering, and as a result, they are offering greater discounts. These are great places to find debt relief, but can still allow you to go out to eat. Look through papers and find coupons. Many restaurants have specially priced lunch menus between 11 a.m. and 2 p.m. There are also night-owl specials after 9 p.m. for a late-night snack. Another idea is people can try eating a meal at home and then go to a restaurant for dessert. Or try sharing meals. Restaurants are notorious for lacking portion control, so take advantage of this and ask for your meal to be split in the kitchen.


Some groceries are marking down meat, rotisserie meals, produce and baked goods in the evenings and early mornings. Couple these savings with coupons and comparison shop to find additional savings. Another way to save money is to shop more frequently. Consumer analyst Martin Pershaw stated, “It’s a common practice for people who grocery shop less frequently to over-buy. If you end up throwing even a tenth of what you buy out, you’re wasting too much…try shopping more frequently and buying less. It’s much more efficient.”

Finding savings

Although it’s not commonly known, you can save a lot of money by shopping for various items at strategic times of day. Use these discounts to find additional savings and put money towards debt relief, instead of always looking to payday loans for help. It’s a great way to set yourself up for financial success sooner.

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