jar of pennies surrounded by pennies

Pinch Your Pennies

Short Term Cash Loans – Las Vegas


In today’s world, it’s often difficult to stretch your hard-earned dollars to meet your needs. Here are some tips on ways to save money, stay within a budget, and achieve financial independence. It’s our hope that with these tips, you won’t have to rely on a Koster’s Cash Loan for life’s little emergencies. Check back frequently for updated tips.

Use reusable items instead of disposable whenever possible.
You can save a lot of money each year by avoiding plastic sandwich bags, paper plates, etc.

Be an exceptional employee.
A good work ethic can pay great dividends, leading to future references and a network that you can tap into further down the road.

Avoid expensive cleaning products that are geared toward convenience.
They cost three to four times more than all-purpose cleaners.

Cancel subscriptions to magazines or newspapers that you don’t read regularly.
You can find most publications for free at the library, or you can do your reading online.

Speaking of the library…
To save money, borrow your books instead of buying them.

Pay your bills on time! Use a calendar on your phone or an email account to send yourself reminders before your regular bills are due.
This is the best thing you can do to ensure that you build good credit, which you will need later!

Rethink your television subscription service.
Do you watch 200 channels? If not, why are you paying for them?

Buying in bulk at a warehouse store can save you a lot of money, but only if you’ll use what you buy.
Make sure you’re not throwing food (and money) away!.

Clip and redeem coupons at stores that offer double value.
Some families can save $100 a month by doing just that.

Distinguish your wants from your needs.
Don’t buy things on sale just because they are a good value. If you don’t need it, don’t buy it!

Live without a car or find a friend or coworker to carpool with.
Cars are expensive when you add up gas, maintenance, insurance, registration, and parking. Learn to use mass transit.

Spend less than you earn.
If your spending and income are about even, you have two choices: earn more or spend less.

Track your spending and budget!
It doesn’t sound fun, but for one to three months, record each purchase you make and categorize it. This will let you know where all your money is going, and then you can start to plan ahead and set a budget so you don’t go over.

Most online banking services allow you to schedule payments for any available business day.
As soon as you get your bills in the mail, go into your online banking and set up a payment to be delivered by the due date; then you can forget about it!

Buy a car that is two or three years old instead of one that’s brand new.
You’ll get about 80% of the value for about 50% of the price.

Use coupon codes and discounts when shopping online.
When you shop online, especially around the holidays, try to take advantage of promotional codes and discounts.

Always continue to learn about financial stuff and keep up your financial intelligence.
You can never know too much!

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