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Healthy Finances for your teenager

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As our children grow, we expect them to go to school and learn about math, English, science, social studies, etc.  But, do you think about making sure they understand about money and finances?  As your children become teenagers, they will most likely start making money whether from babysitting, mowing the yard, doing various chores or getting a part-time job after school.  Understanding how to spend that money is very important.  If you show them now, it will hopefully stay with them as they become an adult and venture out on their own.

While it may not be necessary for them to make a budget since their expenses are mainly wants such as clothes, eating out or going to the movies, it can still be helpful to discuss how you always want to try and spend less than you make each month.  Since most teenagers don’t make a steady income even if they have a steady job, they need to understand the concept.

Establishing a savings routine can be a healthy plan to maintain.  If they are trying to save for a car or maybe even something as simple as a new pair of shoes, putting money back each month gives them a plan.  This may mean doing without some things, but once they have succeeded in saving the money, they will understand the satisfaction of saving for something they want.

Do they need a credit card?  As long as they understand the purpose of a credit card, it can be a first step in helping them establish credit and showing them how credit cards work.  This is not just “free” money as some kids (and even adults) sometimes seem to think.

Establishing good routines with their money now, will only help them as they become adults and have to take on more and more responsibilities with living expenses, car expenses, etc.  So don’t forget that along with their school education, financial education can be just as important.

Please like us on Facebook and follow us on Twitter to stay up-to-date on money-saving tips, budgeting information, and fan/follower only discounts, deals and contests!

Cashland is a leading provider of fast and friendly financial services including Oklahoma personal loans, prepaid cards, check cashing and Western Union money orders and money transfers.

 

 

Employee of the Month

Tammy Armstrong

Congratulations to Tammy Armstrong, who has been chosen as the Cashland Employee of the Month! Tammy is a teller at one of our Oklahoma City locations and has been with Cashland for just over a year.  Read below to learn a little more about this dedicated employee.

What is one of your favorite quotes?

“You may not always end up where you thought you were going, but you will always end up where you are meant to be.”

What chore do you absolutely hate doing at home?

Laundry

What is your favorite time of day/day of the week/month of the year?

Evenings, Sunday, December

If you could witness any event past, present or future, what would it be?

The signing of the “Declaration of Independence”

If you won the lottery, what is the first thing you would do?

Buy a house for me and a brand new car

What do you miss most about being a kid?

Waking up with my mom and dad at our old home

What is your favorite food?

Chicken Alfredo

Name a famous person you have met?

Jennifer Lopez

Would you rather take pictures or be in pictures?

Take pictures

What is your favorite movie or television show?

Joyful Noise

What is one of your character flaws you would like to improve?

Learning to say no and not always saying yes

What toppings do you like to eat on your pizza?

Pepperoni, mushroom, onions and black olives

What musical instruments do you play or wish you could play?

Piano

 

Cashland is a leading provider of fast and friendly financial services including personal loans, prepaid cards, check cashing and Western Union money orders and money transfers.

National Clean Up Your IRS Act Month

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Since we have been focusing on Spring Cleaning of your finances this month, we thought we would talk a little about the fact that March is also National Clean Up Your IRS Act Month.  Are you ready to file?  Have you not filed in several years and need to know what to do?  Do you owe the IRS for back taxes?

If you are experiencing any issues with your taxes, check out The Taxpayer Advocate Service – “Your Voice at the IRS” website for lots of information and to find a local office in your state.  This is a great resource when dealing with the IRS.  As many people know, it can be scary and frustrating when dealing with the IRS, so help can be a lifesaver.  Especially from someone who deals with it on a daily basis.  Remember, the worst thing you can do is nothing at all!

While many of you have a few items needed to file taxes, some may have lots of paperwork to keep up with each year.   Keeping up with your receipts throughout the year is very important and can save you time and stress when it is time to file your taxes.  Have you developed a good method of keeping up with your receipts?  Don’t wait until another year has passed before deciding it is time to stay organized with your receipts.  While everyone works differently, creating a file or a specific place for all your receipts now make take a little time, but is much easier to know where everything is and that you have not lost an important item.  Create a system for always putting your paperwork in the designated place.

Are you aware of all the deductions you can take?  Do you always worry each year that you might have missed something.  Whether you do your taxes on your own or have a professional do them, it never hurts to make sure.  Check out this article on 10 Big Deductions Many of us Miss to see if you are leaving something out.

Hopefully, we have given you some good information during this tax season on getting your tax issues Cleaned Up and next year it will not be as stressful for you!

Please like us on Facebook and follow us on Twitter to stay up-to-date on money-saving tips, budgeting information, and fan/follower only discounts, deals and contests!

Cashland is a leading provider of fast and friendly financial services including Oklahoma personal loans, prepaid cards, check cashing and Western Union money orders and money transfers.

 

Image courtesy of samuiblue / FreeDigitalPhotos.net

Spring Cleaning Your Finances

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As the warmer weather starts to appear and you get into the “Spring Cleaning” fever around the house, don’t forget about doing the same to your finances.  Below are lots of great ideas of ways to clean up your finances to be better prepared for the rest of the year.

Clean out your files.  While many of you are already in the mode of going through you paperwork to gather information to file your taxes, take some time to weed out the paperwork you no longer need.  Simplifying your files helps to get rid of extra clutter so you can find what you need easier.

Inventory your items.   While no one expects the worst to happen such as fire, tornado or being robbed, things can happen.  Take an inventory of your larger items so you have a list of what you have to show the insurance company.  If you have the ability, make a video of each room, so you have proof of the items on your list.  This can save you money and time when dealing with the insurance company.

Check Credit Report.   As many of you know (especially if you have read our blog on this subject) you can get a copy your credit report once each year from each of the three main credit bureaus.  If you haven’t done this recently, now would be a great time to do it.  Keeping up with what is on your credit is the best defense against identity theft and helps you when you may need to apply for a loan, credit card, etc.

Check your debt and spending.  Taking the time to write down all your debt including loans such as auto, home and student loans along with your credit card debt, makes you aware of everything you owe.  Following this up with checking on a spending plan (or budget) to make sure know what you are spending each month helps to keep you from spending more than you make.

Staying on the same page.  If you have more than just yourself in your household, everyone needs to be involved in the finances.  Make sure you all agree on how you are spending your money, so no one feels left out or that something is unfair.  If everyone is in agreement with the financial plan, things tend to go more smoothly in sticking to the plan.

Hopefully, by following these simple ideas not only will your house be clean this spring, but so will your finances!

Please like us on Facebook and follow us on Twitter to stay up-to-date on money-saving tips, budgeting information, and fan/follower only discounts, deals and contests!

Cashland is a leading provider of fast and friendly financial services including Oklahoma personal loans, prepaid cards, check cashing and Western Union money orders and money transfers.

Employee of the Month

Ana Moreno

Congratulations to Ana Moreno, who has been chosen as the Cashland Employee of the Month! Ana is a teller at one of our Oklahoma City locations and has been with Cashland for year and a half.  Read below to learn a little more about this dedicated employee.

What is one of your favorite quotes?

“Don’t judge the book by its cover.”

What chore do you absolutely hate doing at home?

Cutting the grass

What is your favorite time of day/day of the week/month of the year?

Afternoon, Sunday, November

If you could learn to do anything, what would it be?

Photography

If you won the lottery, what is the first thing you would do?

Buy a house for me and one for my mom and help my family.

What do you miss most about being a kid?

You get to play all day and there are no worries at all.

What is your favorite food?

Chinese Food

Would you rather take pictures or be in pictures?

Take pictures

What is your favorite movie or television show?

The Notebook

What toppings do you like to eat on your pizza?

Pineapple and mushroom

What musical instruments do you play or wish you could play?

I would like to play the piano.

 

Cashland is a leading provider of fast and friendly financial services including personal loans, prepaid cards, check cashing and Western Union money orders and money transfers.

Stay-At-Home Date Night Ideas for Couples on a Budget

man and woman

Whether you’re in a new and thrilling relationship or you’ve been married for years to your soulmate, there’s no denying the value of going on a nice date once in awhile. It’s important to set aside time for just the two of you, but it’s equally important that you don’t break the bank doing it! Most people’s idea of date night is a fancy, expensive dinner and a movie with lots of pricey snacks. But using just a little creativity can save money and enliven your relationship. Below is a list of ideas for unique stay-at-home date nights that are sure to please.

Have a Movie Marathon. Do you two share a favorite movie genre or trilogy? If so, pick what you love, pop some popcorn and watch the movies back to back. Or you can choose a series you’ve both been dying to see and stream all the episodes online or through a site like Netflix. Who knew a night in pajamas could be so exciting?

Play the Newlywed Game.  How much do you really know about your significant other? This game is an amusing and free way to find out! Invite other couples over and see who knows the most or play one-on-one for informal fun. Check out this website for a list of questions to ask: http://newlywedgamequestions.com/

Work Out Together.  It’s hard to find the time and motivation to work out, but exercising with your loved one can make it exciting and competitive! Whether you clear out space in the living room to kick and dance together to a workout DVD or you compete in the ultimate sit-up contest, this date night is sure to boost those feel-good endorphins.

Have a Picnic.  Do you have a yard that rarely gets used? Grab a cozy blanket and some finger foods and have a romantic picnic on the grass. Sometimes a simple change of scenery can make a meal at home so much more enjoyable. Don’t have a yard? Even spreading a blanket out on the floor and popping open a bottle of wine is way more exciting than that oh-so-familiar dinner table.

Be a Kid Again.  Play a rousing game of cards or Scrabble. Choose a really hard puzzle and work together to defeat it.  Bring out the old video games you used to love and play them while you listen to your favorite adolescent cds. All the things you used to do at home as a kid can be loads of fun with your partner, and can also bring you two closer together.

So, what are you waiting for? Plan a thoughtful stay-at-home date this week that’s easy on your wallet and breaks the old dinner-and-a-movie routine. Your relationship will thank you!

Please like us on Facebook and follow us on Twitter to stay up-to-date on money-saving tips, budgeting information, and fan/follower only discounts, deals and contests!

Cashland is a leading provider of fast and friendly financial services including Oklahoma personal loans, prepaid cards, check cashing and Western Union money orders and money transfers.

Easy Ways to Save Up to $100 in a Week

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With Valentine’s Day right around the corner, many of us are rushing to find the perfect gift for our sweethearts. But even if you have found the right gift, you may be struggling to afford it. Even though your money may seem tight and you can’t get around paying fixed expenses such as car payments or rent, there are still things you can do to save money quickly and easily.

Here are several tips on how to save up to $100 in just one week!

Stop using the ATM. Transaction fees at a local ATM may not seem very expensive, but they can add up. The ATM fees paired with your bank’s fees usually run about $4.00 per withdrawal! Save money by using an ATM provided by your bank or, better yet, bank at a location close to home so you can go to the window for fast, free transactions.

Cancel Memberships.  You’re probably paying a membership fee for at least one thing that can be cut out of your expenses right now. The gym? Cancel it and go for a run or use a workout video at home. DVD rental service? Nix the fees and stream television online. If you cancel these things right now you could be reimbursed for the days you’re not using this month.

Say No To Fast Food.  Grabbing a cheap burger and soda at the drive through may seem like an inexpensive way to eat, but getting a fast food combo every day for a week can cost you as much as $100.00! Limit meals to what you have in your kitchen cupboards. If they’re empty…

Buy Generic/Use Coupons At The Grocery Store.  Most generic brands use the same ingredients as the name brands you’re used to, and you could save as much as 60% if you make the switch. Clip coupons for those expensive items that you just can’t give up, and you may be able to save around $50 this week.

Avoid Overpaying For Gas.  Save money on your next trip to the pump by checking out www.gaspricewatch.com first. You’ll find the cheapest gas prices in your area by simply searching for your zip code. If you’re filling up multiple times a week, this tool can really save you some dough.

Sell Your Stuff.  Everyone has stuff around the house that was once a necessity and is now rarely used.  Dust that stuff off and sell it to someone who will love it again! It’s never been easier to sell items online. Just snap a picture of it, name your price, and post it to Craigslist. You’ll be surprised at how quickly a nice item will sell. Be sure to always use caution when meeting with buyers!

Please like us on Facebook and follow us on Twitter to stay up-to-date on money-saving tips, budgeting information, and fan/follower only discounts, deals and contests!

Cashland is a leading provider of fast and friendly financial services including Oklahoma personal loans, prepaid cards, check cashing and Western Union money orders and money transfers.

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