If you decide to apply a payday loan in Florida then it is important to find a genuine payday company first. Here are some useful tips which help you to find a genuine payday loan company.

  • Checking a cash advance loan company with the Better Business Bureau is a good idea to fins whether the company has any complaints.
  • You can also use the internet to evaluate a payday company history and about their value added services.
  • It is always better to read the company’s agreement carefully and also check the cash advance company’s strict privacy policy well.
  • While applying a payday loan, look for lender’s fees and rate of interest note. While applying in online you can find the note on the website. If the lender’s fees and rate of interest note is clearly written on the application then it is a genuine company.
  • Read the contract very carefully and also check whether it is written in clear and understandable language. It must contain all necessary information, such as cash advance loan fee, loan amount, rate of interest, and any other fees. In addition, the due date should also appear on contract.

Eric D. Weisgerber – owner of the Practical Saver website; has been picked for this weeks featured home business of the week. Eric is a financial planner and author that publishes a free weekly newsletter giving tips on how to save money. She also teaches tips at workshops, on Your Life A to Z, through her books and newsletter. She has worked out of the house for 10 years.
Yesterday, Eric participated in a short interview about her business. I’ve included the interview below for your reading pleasure.

What is your business in a nutshell?
A resource to help people save money and find Financial Freedom

What is your day to day like?
I work each day from 5 a.m. to 8 a.m. doing the free newsletter and preparing for workshops and television segments. I usually speak 2 – 3 times a month at various organizations and tape segments for Your Life A to Z every other week.

What made you decide to start the ‘savings business’?
I am a Financial Planner, with a Bachelors Degree in Finance from Arizona State University. I worked as an investment planner for 10 years when I realized the consumer need for budget financial planning. We had our own ‘budget crisis’ in our family and had an income decrease of $800 per month. I needed to find a way to stay at home so that I could care for our 3 children – so we found ways to cut our expenses $800+ per month.

How much did you have to spend to get started?
It cost approximately $5,000 to print the books, they are all self-published. The other start up cost was minimal since we already had our Plumbing Contracting Business set up here in our house.

How long has it taken you to start earning an income through this?
Practical Saver is more of a ministry to help people. That is why I do the free newsletter and the workshops are free to attend. The books are priced to help with the printing and the operation of the website and office expenses that are incurred. The sales are directly related to my marketing and media appearances.

What are your future goals with the business?
I had no idea the growth I would have incurred up to this point. I started with zero on my newsletter list and I have now over 1,600 people and 100 visits to the site each day. My goal is to continue to let God grow my business. I am scheduled to be a speaker at a large Woman to Woman conference in Phoenix in April – I think that many doors will open with that exposure. The television segments with AZTV “Am Arizona” and Channel 3 “Your Life A to Z” are a great way to reach people, I hope to continue those as long as I can.

Eric is a very hardworking gal, and I hope that her success will help you and others realize that it is possible. Thanks again for participation in this with me! I have learned alot and will be bookmarking your wonderful site for future reference!…


In the world of personal finance, there are a few things that everyone should be doing to ensure fiscal health and longevity. If more people would take a few simple steps like evaluating their spending habits, reducing their personal debt-load, and saving up a few months of living expenses, they would be taking some fundamental steps that could lead them to a more favorable economic track.

• Establish a monthly budget. Without a firm grasp on where your money is going, successfully managing it is dubious. Create a spreadsheet that lists all of your income, as well as your expenses. Be sure to include every expense from mortgage to movie rentals. After you have everything listed, take a hard, honest look at your expenses and trim everything you don’t need. Sticking to a budget takes discipline, but it is well worth the effort in the end.

• Work on getting out of debt. Debt can be the overwhelming obstacle that stops many people from reaching their financial goals. The sooner you can get out of it, the better your financial landscape will look. There are many methods for getting yourself out of debt and many free or affordable debt management companies that specialize in tailoring programs to fit the needs of individuals. In addition, these companies can provide motivation and encouragement to keep you headed in the right financial direction.

• Prepare in advance for an urgent situation. Like it or not, emergencies happen. Imagine getting laid off, or breaking your leg so you can’t work for six weeks. If you are barely living paycheck to paycheck then these situations can be more devastating than they have to be. Ideally, you should have six months worth of living expenses saved up. If this seems impossible, then the best advice is to simply start saving at least 10% of every check. You will have a nest egg before you know it.

Achieving financial independence begins with a few basic practices. Using these helpful tips can help you keep track of your income/expense ratio, keep you mindful of debt, and help you prepare for the unexpected.…


In today’s economy business owners everywhere are crunching numbers, downsizing and cutting back on expenses just to help keep their lively hood afloat. Here is a list money saving strategies to help you business’ bottom line.
Supplies and Equipment Purchases: Get the most out of online purchases. Most business’ need to buy supplies and equipment. Save gas money and time by completing those purchases online. You can easily turn online purchases into cash back rewards by using the incentive programs that some online stores offer. Enrollment for these programs are usually free. Staples offer a Staples Rewards program where you earn 10% in store rewards on all ink cartridges, toners, most paper purchases and even copying and printing services. They offer member only specials to help you save more. You can also benefit by recycling your old ink cartridges. Staples rewards offers $3.00 in rewards for each ink cartridge or toner that is recycled at their store with a limit of ten per month. This applies to all types and brands of cartridges. Save on shipping, with every online order over fifty dollars delivery is free usually arriving in one to two business days. There is a chance to upgrade your membership for free depending on the amount you spend. Some membership levels receive free shipping on all orders. All the store rewards you accumulate with be automatically mailed to you in the form of a coupon to use towards future purchases. The coupons have an extended expirations date giving you plenty of time to use them.

Advertisement Saving: When you are ready to send out a special advertisement such as a coupon or flyer instead of mailing out separate flyers to all your customers, simply include it with their monthly bill or statement. You can also include such items in with your customers purchases. Tucking a simple coupon of flyer advertising $5.00 off the next purchase of a $100.00 or more will be a reminder to your customer the next time they are thinking of purchasing the type of the service or goods you provide.

Nothing advertises better than word of mouth. Start a referral rewards program for your customers. By telling your existing customer that when they refer someone to your business they can receive a specified discount off a future purchase. Some business’ may even want to give the new customer a small first time discount also. Make sure your customers are aware of this program by including the information of the billing statements, newsletters, blog and/or website.

If your business is not yet ready for a website, a free blog maybe the way to go. You can create a simple and free blog to help keep you customers up to date on the new services or goods your business is offering. Check out such sites as or

Another free advertising idea is a customer email list so that you can advertise to them via email newsletters. Don’t take advantage of this this information by spamming your customers with multiple emails every month, keep the advertisement emails or newsletters down to once or twice a month at the most.

Advertising With Happy Customer Reviews: When a customer is satisfied with your business and chooses to express their gratitude in the form of a thank you letter or email you can use that to help advertise and show other potential customers that you can keep them happy as well. Scan the thank you letter, copy and paste it onto your blog, website, or newsletters showing others you have gained the respect and loyalty of your existing customers. If you are confident in your customer skills then you can also include a customer review section on your website or blog. You can also include a simple poll asking your customers if they are happy with the services you provide. Be careful though this can back fire on you when you have an unhappy customer chooses to express themselves in a ugly manner. To avoid such circumstances be sure to solve all issues upfront and quickly before it reaches this level.

Banking Services: Evaluate your banking expense and fees. Some banks offer free checking accounts to small business owners. Some banks require you to have a minimum balance in your account to avoid monthly fees. Look closely at your monthly statement to see what you are type of fees you may be getting charged for. Speak with one of the bank representatives to see if they can assist in helping to you move your money to a different type of account to help save on monthly fees. If your bank is unable to assist you, research other banking institutions that offer better deals to business owner. While were on the subject of banking, unless your bank is supplying you with free check do not buy your checks though you bank. Often times buying checks though a printing company such as Designer Checks or Artistic Checks can help save money. Try paying your bills online to further help you minimizing the use of checks.

Office Equipment and Software Expenses: Most business’ have multiple phone lines and fax lines going into the office. Evaluate if all these lines are necessary and cut out the ones that are not being used. Get a detail of all long distance phone calls being made from your office. You never know when a trusted employee may be taking advantage of your long distance access.

Tons of business owners hire an overnight answering service. Unless your business deals with emergency type situations or 24 hour call needs, get rid of the answering service and hook a voice mail instead or simply forward your calls to your cell phone which can also utilize a voice mail feature.

If you rent your office equipment, evaluate how much office equipment is necessary to run your business and turn in any equipment that not being used. Laptops usually cost a little more for the initial purchase, however they normally use less electricity than a desktops. Laptops also give you the convenience of mobility. This means you can work away from the office more often. Making sure all computers and other equipments are powered off every night can save a bundle on your electric bill.

Software can become a very pricey investment and in some cases unnecessary. Research free software programs through They offer free trials on tons of software programs. Another free software site that I believe is essential is OpenOffice. This free windows based software offer a lot of features such as spreadsheets, presentations utilities, graphics, word processing and more. It can open and read files that may already exist on your computer from Excel, Powerpoint, Access and Microsoft Word.

Along with using the above tips you must also learn to be creative and think outside the box when it comes to OpenOfficeess expenses. Doing so can help you on your venture to cutting cost.…