Your DollarsDirect Team has found a very creative way to save money. Start a food club. Sometimes it “pays” to get creative with your most basic expense in life.  Follow the steps below for advice on how to start your own club.

• Spread the word – Ask family, friends, and neighbors about joining.  Start with a group of at least five families and add more if necessary.
• Shopping Lists – Sit down and compare lists.  Everyone drinks milk, but everyone may not drink fat free milk.  Also, make sure to track how much the items on your list normally cost.   That way you can find better savings in the future.
• Who’s Who – The leader of the club should designate roles to its members.  Such as shopping, delivery, and clean up.  According to Mint.com, “Once the food is purchased, the group will have to decide where it will be stored … split up [and] delivered.  If there are perishable items like fruit or meat, the group may decide pick up has to be right after the shopping spree.”
• Food Club is Fun – Your food club should not be a chore.  Arrange parties and share recipes.  The more fun everyone has making friends, the longer your club (and money) will last.

Your DollarsDirect family not only helps you with online personal loans; we also want to help you save money in all parts of life.

Money.  It should be considered an emotion. One word that makes every person react differently.  The powerful emotion of money takes on greater meaning once you are in a serious relationship.  To help you out, your DollarsDirect family has found some great tips from Mint.com to help you and your significant other have the “money talk.”

• Start with your mistakes – My father would always say, “If you point a finger at someone, there are always three fingers pointing back at you.”  Make sure your spouse understands that you are not perfect.  Mint.com says, “If you can take your fair share of the blame and ask for help working on your weaknesses, you’ll have a much easier time pointing out the things your spouse needs to do better.”
• Focus on the “why,” not the “why not”- New car? Retiring early?  College tuition?  Those are specific goals and reasons WHY you are having this tough conversation.  Stop talking about what you can’t do because you’re saving money, focus on what you are going to do.
• Stay on topic – Mint.com says, “Comments about your lavish nights out on the town might reveal hatred for one particular friend…  Those feelings should be put aside.”  The only relationship, or topic, you are to talk about, is your financial one.

Having the “money talk” will not only help you out financially, but also have a positive impact on your relationship.  Remember, your DollarsDirect team is looking out for you.

Image: Flickr User

Your DollarsDirect Team is all about saving money and helping you out.  Today, we started to pass around a blog post reminding us about “things we can live without.”  Sometimes life’s expensive indulgences become a lifestyle.  Below we have listed five of our favorite “reminders.”

1. Junk Food – Cut out the junk.   You will get a smaller waistline, and bigger pockets.
2. Bought Lunch at Work – When you buy food while hungry, you tend to spend more.  Plan for the week and bring your lunch.
3. Sunlight – Open the curtains, to heat up your home and shut off your lights.
4. Drink Water – Cut out the soft drinks and juice.
5. Car – Take public transportation.  A car payment and its expenses can add up!

You can view the remaining fifteen “reminders” at one of our favorite blogs, SavingsGuide.com.au.  We would love to hear any suggestions you have when it comes to saving.

It’s that time of the year again.  Tax Time.  We here at DollarsDirect have put together three important “tax tips” that will save you money, and peace of mind (courtesy of www.savingsguide.com.au).

1)   Electronic Refund Payment – Electronically depositing your refund into your checking account, instead of having the cheque mailed, allows you to use the money right away (or collect interest!).  Most cheques can take up to three days to clear you account.  Save some time with direct deposit.

2)   Good Record Keeping – Use a separate credit card for different expenses.  Such as, one card for work related expenses, and another for groceries.  Your credit card statement can be used as a “receipt” to claim, and prove expenses.

3)   Check for Specific Deductions – Check this guide provided by the ATO.  It lists specific deductions for specific occupations.  Maybe you’re in luck!

Either helping you save money during Tax Season, or approving you for a cash advance, DollarsDirect is here to help.

World Cup Fever was starting to subside until we noticed this CNN.com International headline: Paul: The first millionaire octopus? Octopus Paul correctly predicted all eight World Cup matches he was given.  His World Cup Final prediction was televised, captivating a worldwide audience for nearly twenty minutes!

Public Relations “guru” Max Clifford was quoted by CNN, “If you get it right, and remember Paul has had worldwide success … you’re talking about an earning potential of £2 or £3 million (up to $4.5 million), maybe more… He could be used in TV endorsements and adverts.”

Remember, if you are not a big budget psychic octopus, Dollars Direct is always here to help with an online cash advance in times of need.  We can help you get started, right here.

Have payday loans from DollarsDirect helped you in the past? When you had an unexpected emergency and not enough time to wait until your next payday, did you get a fast cash advance from DollarsDirect? If you did, that’s great! But did you need more than one payday loan? Have you gotten 5 already? If you get a 6th loan you will reach Silver Status and be able to save 5% on your broker fees for your loan!

Payday loans from DollarsDirect can help you pay off any emergency needs. So if your car broke down, we can help. Or if you are really behind on your bills, we can help with that too. But perhaps you’ve needed our help numerous times. Let’s say you’ve taken out 15 loans. If you take out a 16th loan you will reach Platinum Status and can get 15% off of the broker fees for your next loan!

We hope you are able to keep up with all your expenses, but just in case you get behind one month, DollarsDirect is ready to help!

Overspending is a vicious cycle. Once you start, it’s very difficult to stop. And that is why we are here to help. Here are a few tips on how to get rid of your debt:

1) Put away your credit cards. We know it’s hard but it’s also necessary. Just try to pay off your monthly debt with money you actually have. And if you need a fast cash advance to help you do so, you always knows who to turn to – DollarsDirect!
2) Make a list. You may say that you don’t have time do such silly things, but it can really help. If you write out how much money you have and how much you owe all one on page, it quickly becomes easier to see how much you can spend to start paying off your debt.
3) Make a budget you can actually stick with. Then write this budget down. Make sure you follow it religiously so that by the end of the month you know for sure you will have money left over, or at least you don’t have a negative balance.
4) Have a yard sale! Sell things you don’t need anymore such as jewelry, clothes, books, electronics, and whatever else you can find. Besides getting a payday loan from DollarsDirect, this is another easy way to get some extra cash.

Get cash for emergency expenses with DollarsDirect personal loans. You can apply online in minutes. The application process for our personal loans really is quick and simple. And, you can get cash deposited directly into your account the next day, if approved by 6pm AEST Monday through Friday.^‡ You can make car repairs, necessary home repairs or get groceries if you’re short on cash between paydays.

A personal loan through DollarsDirect is a quick and convenient way to get money in a hurry. Apply for a personal loan today and stop worrying about making it to your next payday.