Top Money Wasters

If you have trouble curtailing your spending, you might be wasting money in ways you didn't even realize. Check out these top ten money wasters before your next cheap cash advance.

1. Unnecessary upgrades. How often do you go with the super size meal, upgraded cable package, or premium models without thinking twice? Many companies try to discreetly upgrade you to more expensive products, but you don't need them. Cut back on the upgrades, and you might have less need for a cheap cash advance in the future.
2. Superfluous conveniences. You are probably paying for a lot of things you don't need or use, such as call forwarding on your phone bill. Look for these little conveniences that drain your wallet but don't appreciably enhance the quality of your life.
3. Unused memberships. That gym membership that you haven't used since January could be driving your need for a cheap cash advance. If you don't use a membership, cancel it.
4. Meals out. Most people eat lunch out every weekday in addition to several other meals per week. You could save hundreds per month by eating at home or bringing a lunch.
5. Smoking & drinking. Although you might have fun doing them, these are costly habits. Probably too costly to be worth it. Try to at least cut back on your smoking if you can't quit. As far as alcohol goes, are you spending $6 per beer for two or three cold ones after work each day? This adds up over the month.
6. Unread subscriptions. Magazine subscriptions have a way of renewing themselves into perpetuity without your ever agreeing to it. If you don't read certain magazines, call and cancel your subscriptions.
7. Buying in bulk. Unless you have a large family that consumes in bulk, buying in bulk will not save you money. You will end up overbuying and then throwing away what you can't possibly use. Buy smaller quantities to help you avoid a cheap cash advance.
8. Not returning things. If you buy something that doesn't fit right, never came out of the box, or is otherwise going to waste, return it instead of throwing away the money! Laziness ends up being costly if it prevents you from going to the store to make a return.
9. Buying what you don't need because it's cheap (or on sale). That something is on sale is not reason enough to buy it, especially when you probably didn't even want or need it in the first place. Designer suits are still overpriced, even on sale.
10. Credit card interest. Many of our customers need a cheap cash advance because they can't keep up with credit card payments. Don't waste your money on credit card interest. Transfer balances to a low or no-interest card and pay them off.