Your Answer to a PayDay Loan

Try searching online for "PayDay Loan".  You'll find millions and millions of results.  I just found about 20,800,000 results doing a Google Search.

Why are PayDay Loans so popular?  Because it's still a tough economy.  10's of millions of people are still unemployed or under employed.  Many lost good paying jobs when the Great Recession hit or as it dragged on.  If you rent is due or you need to buy food for your kids, these short term lenders can seem very appealing.

But Beware!

It's a financial trap!

Never take a PayDay Loan. The interest rates are outrageously high. And with all the interest you have to pay, they just put you even further behind financially. Sure, a PayDay Loan may get you through this week. But next week, you’ll owe all the money you borrowed plus the interest.


Avoiding the PayDay Loan Trap

How do you avoid this trap?

Making money online is your answer to a PayDay Loan.

Making money this way can get you through the tough times. Even an extra $100 or $200 a month may help with the rent.  It could help with the groceries.  You could save this extra money when possible, and then you'll have it for a rainy day.

The money you make online can earn interest in the bank.  That's a lot better than paying super high interest rates to a predatory lender.

Groceries

As everyone knows, the family food bill keeps getting more expensive each and every year.  Inflation is certainly part of it.  It seems families are earning less and spending more on just the essentials.

Online coupons are a great way to save money.  There are many sites out there like Coupons.com that are worth exploring.  Coupons in the Sunday paper can help too.  And be sure to check out the sales papers from your local grocery stores.  Buy One Get One Free sales can be a great time to stock up.

And believe it or not, Online Consumer Surveys can also help with the groceries.  Many surveys are food related and may ask about different foods you've eaten.  Or a company may have a survey about a proposed new food product.

You can take these surveys and get paid.  In turn, you can use this money to help with the grocery budget. Take enough surveys, and you may even be able to cover your entire monthly food bill.

Saving money on groceries is great.  Making enough money online to pay for them is even better.

Things You Use Everyday

We use a variety of different products.  We might have a cup of coffee in the morning or a glass of juice (both products). 

We get in a car and drive to work (another product). 

When we get home, we might relax.  Or we might clean the house and vacuum (yet another product).

Sit down and think about all of the different products you use everyday.  You'll be amazed!

Do you know you can make money using products too? How you may ask?

Companies are constantly looking for consumer feedback about current products and proposed new products.  Maybe a car company like Ford or Chrysler or Hyundai is looking for opinions on a current model that was just released.  How do they get this feedback?

Large companies will put together Consumer Surveys.  And these large companies are willing to pay you for your time and opinions.

Spend several minutes online thinking about the products you used today. And get paid for it!

Freebies

There are so many Freebies online.  You can get so many good things!

One of my favorite freebie sites is Freeminded.com. They are a smaller freebie site, but they only list the best of the best. So you don't have to go through a huge list to find the good stuff. :)

Recently, I got a free bottle of Pepsi Next and also printed a coupon for a free 4.6 oz. Colgate Max Fresh Toothpaste at Dollar Tree.

If I'm looking for a specific freebie, one thing I'll try is a Google Search.  I search for:

"Product Name" Freebie

"Product Name" Free Sample

I don't always find a specific free sample like this, but I have found a whole bunch.


Try it the next time  you get a free moment. Visit a freebie site or look for a free sample on Google, Bing, or Yahoo.  You'll be amazed by how many free things you can get.

Eating Out: Saving Money and Making Money

Before you go out to dinner, you may want to try a Google Search for:

<restaurant name> coupon

You might find a coupon for $5 off a bill of $25 or more, buy one entree, get one free, or a free desert just to name a few.

After enjoying a good meal and saving some money, you might be able to make some too.  Or you may get something additional for free.

Burger King has a website address on the back of it's receipt.  They ask you to take a short survey about your dining experience. In turn, they give you a code number to write on the back of the receipt.  Bring the receipt back to Burger King the next time you go, and get a free Whopper with the purchase of fries and a drink.

Some surveys also pay money.  A restaurant may be looking for more detailed feedback about a proposed menu item.  Will people like it? Will they hate it? How can a restaurant chain find out before spending 10's of millions of dollars?

They can ask people for feedback via the form of an online survey. In exchange for providing honest feedback, they are willing to pay you for your time.

Where can you find these surveys? A site called Proof of Payments has done the research.  They only list legitimate and totally free survey sites that have a proven payment history. In fact, one survey company paid out over 15 million dollars to its members in 2012!

There are surveys on a variety of different topics.  And some are about restaurants.  So it's possible to eat out, enjoy a nice meal, save some money, and make some money all at the same time.

For more information, please visit Proof of Payments

Enjoy your meal. And enjoy your extra money. :)