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Easier than you think:
Getting out of debt


We want to be here when you need us, but we know that you also don't want to be in debt. Especially with a PayDay OK loan.

For you, we offer a terrific short-term solution to a sudden or emergency need. Period.

But we aren't the only solution to having more cash on hand. And we ask you to consider the following PayDay OK money saving tips as additional solutions.

Saving is simple:

You'll be surprised at how fast these choices can put money back in your pocket. Look at exactly how you can start:


PayDay OK’s tips for finding money to save

Monthly Savings

1.

Bring lunch to work
(saving estimated $3/day)

$60

2.

Clip and use coupons

$50

3.

Substitute regular coffee for those designer coffee drinks

$40

4.

Eat out 2 fewer times a month

$30

5.

Pay credit card bill on time to avoid late fee

$25

6.

Bounce one less check a month

$20

7.

Save $.50 a day in loose change

$15

8.

Cut soda/pop consumption by 1 liter a week

$6

9.

Comparison shop for gas
(save est. $.25 per gallon)

$4

There are also some programs such as America Saves which can help you set monthly goals as little as $10 so you can start building up savings. For more tips on saving money, click here.

Try to negotiate directly with your creditors

Sometimes all it takes is asking to get a lower rate from a creditor. People with big bank accounts ask all the time so don't be shy about it. You can also negotiate for more time, or a payoff schedule. Just don't be afraid to ask!

Check with your state or county for assistance

A state program called the "Prevention, Retention and Contingency Program (PRC)" offers grant money to working poor families to help them maintain self-sufficiency. Each county has its own eligibility requirements. Contact the Department of Human Services in your state for help.

Apply for a loan at your financial institution

Try to see if you can get your bank or credit union to offer you a lower interest loan to pay off debt -- then plan to start fresh!

Use part of your tax refund to pay off debts

This is a great way to pay down, or off, high cost loans. Be sure to try it the next time you receive a refund. Finally, remember, whenever you decide to use a payday loan cash advance, borrow only as much as you can afford to pay with your next paycheck, but still keep enough for yourself so you can make it to next payday.

At PayDayOK, we're doing everything we can to make our loans the right choice . . . at the right time.