Even in this day and age, it is amazing how few people really know what they spend and what for. Setting up a budget and tracking all your expenditures is a responsible and great habit to form. Most people have items they spend money on every month that they can reduce or eliminate in tough times. And the amount each month is often far more than they realized until they tracked their expenses. A simple coffee drink 3 times a week can add up to $60-75 per month. Going out to eat adds up even faster, even if it is cheaper food.
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Payday lenders rely on databases to instantly get information to review, but the most important thing they look at is your recent earnings. This is because your earnings have proven to be the best indicator of your ability to repay your loan. It is the number one criterion.
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Most people seeking a bad credit loan do have poor credit and may have exhausted most of the available options to get a loan. If you are short of cash to repair your car or pay a medical or a utility bill, you need money right away and likely will not be able to seek a traditional loan as they take too much time to apply for and process.
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There are ways you can improve your credit score as much as 100 points in just 30 days. Not everyone can see such a large score increase, but it is possible. Here’s how to get started:
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You need to plan everything before your family and friends show up. You need to cook the perfect Thanksgiving recipes, arrange the table, or bring gifts for everyone. Even if you have already planned for these things, you may need to grab some last-minute meal ingredients, decorations, paper towels, or place cards for unexpected guests.
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The Dependent Care Tax Credit is something that many parents or adult caregivers can take advantage of if their children/dependents and their daycare providers meet all of the mandatory requirements.
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Electronically submitting your tax return (e-filing) is often faster, more convenient, and actually more secure than paper filing. However, if you are going to e-file, you should have your taxes done by a professional of your choice.
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The credit could be used to pay the debt to the IRS but leftover credit could not be used. The new law consolidates both credits and allows for the additional credit to be potentially refundable.
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