Have you found yourself in the payday loan cycle? A payday loan cycle is when your fees end up being more than the short-term loan which leaves you in a worse financial shape then when you walked into the office.  Use a payday loan calculator so you know how much the loan costs. A reputable company will have no problem helping you figure this out.

Have a garage sale or advertise items you no longer need on a local radio swap program to earn money that can help pay off your payday loan only. Selling something is a good way to earn money without paying for it.

Cut back on household expenses to free up money to pay back the payday loan. It's even healthier to skip the high-cost food restaurants and fancy packaged foods and cook a meal. Water is much better for you than sodas also so tighten your belt until the debt is gone.

Additional income will help pay off the payday loan so get a temporary second job. You still have to budget and cut your expenses.

Contact a credit counselor if you've tried to get your finances in order but failed to do so.

Payday Loans provide a valuable and convenient service in times of need. Just make sure you don't abuse it.

Everyone likes watching television and it's getting cheaper and easier to stream your favorite shows to your television set. About 87% of U.S. households subscribe to a "multi-channel video service," mainly cable or satellite TV. Viewers are increasingly catching their favorite shows free or a fraction of what their cable company charges. Just think that not long ago, TV reception depended on how well your rooftop antenna picked up the signal. Actually letting go of cable or satellite TV would save the average household about $840 a year according to Centris, a market research firm. 

Television:

Shows ordered from the web or a new antenna may be all you need.

First of all, you need to find out what you can watch free on local broadcast TV. Outdoor antennas may be from $30 to $150 depending on the type. Indoor antennas cost $40 or less but the reception may not be as good.

Movies:

Ditch the premium channels and stream/download the latest blockbusters.

Some online services will allow you to stream the newest movies.  They have a wide selection of high-definition movies available to stream the day they are released on Blu-ray. Other services allow you to stream new movies that you can watch on your TV or computer. If you choose to stream the movies and TV shoes in HD, there may be an additional price. Also with HD, the programming does not come in all formats. The online services limit the amount of time you have to watch a rental but a few let you keep discs as long as you wish and you can view them at anytime.

When disaster strikes, what can you do? You can prepare yourself financially to help protect and access your finances should a natural disaster comes your way.

Bank: When disaster strikes your home could be damaged and you might know know if it can be salvaged. Access to your funds can be critical at the time especially if you have to more or arrange temporary housing. Keep at least a month's worth of money in a separate national account that may allow you to access your cash fast.

Financial Documents: Floods and fires can ruin your house in seconds so electronically scan your important financial documents before they're destroyed. Save them to a portable media (Disc, Zip drive) or e-mail them to a trusted friend. You can also make several copies and keep them at a trusted friend/family member's house.

Home Inventory: Create a home inventory of all the items in your home. This inventory may add ease to the process of filing an insurance claim if items are destroyed or damaged. You can also take pictures of each item if you want to go above and beyond.

Insurance: It can be very important to obtain and keep homeowners insurance so make sure you understand what your policy does and doesn't cover. So be sure to know your insurance.

Cash at Hand: Many conveniences such as ATM's are often not accessible when disaster occurs. Keep at least a weeks' worth of money in a safe place in your home to cover food and other necessities until things settle down.

It's almost impossible to prepare completely for every possible natural disaster. The most important thing is survival. These were just some measure you and your family can take to help ensure that your finances are as stable and protected as they can be.

It's comforting to know that if all else fails, you can always get a cash advance from Loan Shack when disaster happens.

There are many ways that you can save extra money in a lot of different options. Here are some tips for teaching yourself better saving habits.

Reward Skipped Treats: This excellent tip idea came from Yahoo! Finance. Ever gone to lunch break at work and always bought the flavored coffee like Starbucks? Each time you bring your lunch to work, try to skip the expensive sodas and snacks. Also resist that temptation of buying a fancy flavored coffee or other drink. By doing this, reward yourself by taking the money that might have been spent and placing it somewhere it won't be spent. Someplace you could put this might be a simple jar that you keep beside your bedside table. After a week, you may be shocked to see just how much you have saved.

Use a Savings Account: Have your paycheck be deposited directly into your savings account instead of your checking account every month. That way, you can just transfer enough money into your checking account to satisfy your monthly spending limit.

Extra Change Jar: Most people are surprised by how much their extra change in their pockets can add up. At the end of each day just place the extra change you have in your pockets into a jar. This jar should be placed where you will remember to empty your pockets whether its on the kitchen table or beside your bed.

Those tips are ways you can help yourself save money by just recognizing your own spending habits. While some of you may relate more closely to these suggestions than others, just about everyone can benefit from enrolling in direct deposit or stepping away to consider a tough purchase.