When a Cash Based Budget is Best

When is a cash based budget best? The answer is right now. During this economy, cash is king and it’s best for anyone who wants to thrive financially during the economic recession to focus on paying for everything with cash instead of credit.

Why Cash Vs. Credit?

The simple reason why cash is always better than credit is because with credit, you’re always going to pay interest on anything that you purchase so, for example, that pizza that you just paid $10 dollars for is going to cost you $12 once you finally do pay your credit card bill even though you were hungry and decided to pay for it with your credit card.

Credit is great to use in a pinch especially for car repairs, medical needs or a family emergency, but it should never be used for anything that emergencies or the occasional need when you absolutely have to pay for something and don’t have the cash for it.

Pay Off Those Loans Now

You just took out that personal loan to pay for your groceries, but what you don’t know is that cash advances or loans that you can easily get online will only end up costing you double just like credit card because most people never pay off their loans when they are due. They will keep re-advancing the loan until it becomes almost impossible to pay off.

Establish A Budget

The best way to guarantee that you live on cash and avoid credit or falling into the trap of endless cash advances is by developing a budget and sticking with it.

The first step to developing a budget is to know exactly how much money you have coming in every month then write down what your total bills and expenses are; after you’ve factored in your bills and expenses make sure you focus on paying those bills and expenses first every month because if you pay your bills and expenses first, you will be less tempted to advance money or take out personal loans to cover your basic bills like electrical or other needs like buying groceries.

Getting The Word Out About Campus Events

Going to college is a very exciting experience especially if you are part of a committee that likes to throw different types of campus events for all of the students, but also all of the general public to enjoy. This means you need to have excellent advertising skills in order to be able to have a good turnout that will give your committee money for all of the different activities that you and your fellow colleagues enjoy doing.

Working On Your Advertising

The first thing you need to do as a group of individuals in charge of advertising is determine how much money you have for each of the different budgets that you are going to require. Advertising is one of the most important things that need to get handled therefore you need to take some time to make sure you hire the perfect Baltimore advertising agency that will be able to spread the word all around your local area.

Scheduling Your Events

Campus events are always going to be a very exciting time so always be sure that you have plenty of time to get everything scheduled accordingly. You also need to think about all of the student schedules and be sure that everyone will be able to attend. It is always very important that you have as many people as possible at all of your different events. You should have things scheduled so that people can go to work and then attend the campus events after work.

Hopefully all of your events go well and everyone has a wonderful time participating. After everything is done it is now time to count all of the money that you have earned along with all of your colleagues. The money should be plenty to do exactly what activities you all had selected.

Make the Most of Your Summer Job Savings

If summer is almost over and you’ve saved up your summer earnings you might actually have nearly enough for that special something you’ve been saving for. If you’re so very anxious that you just can’t wait, you may consider checking out some of the companies that offer cash loans.

To Wait or Not to Wait

That truly is the question. Borrowing from an instant cash company or payday loan service can get you just that much closer to what you’ve saved for but keep in mind that these places make their money from you and others like you. They frequently charge higher interest rates than, let’s say, a bank; but if you could get that type of loan from a bank, well, you wouldn’t be in need of their service in the first place now would you? These loans are quick, easy and doable over the internet on your laptop. There are also loans called title loans in which you basically promise the title of your vehicle against the loan. It can be risky however; after all, who wants to lose their wheels? But if you’re absolutely, positively sure that you won’t have a problem paying off that loan, hey; go for it. Unless of course a vehicle is what you’ve been saving up for! That does put a crimp in the whole title loan idea.

I Told You I’d Pay You Back!

If perhaps you’ve all ready hit someone up for a loan at the beginning of summer, or earlier, you might want to grab a quick payday or cash loan just to pay them off and be done with it. Now I’m not saying that the party from whom you took the loan will be intolerable when it comes to being marginally ungracious about nagging (reminding) you about “that money I borrowed you”; but some individuals just can’t seem to help themselves. It’s their nature. Decide whether or not you can put up with their incessant bothering or if you simply want to get it over with and pay them back.

Borrowing money is something most of us need to do at some point in our lives. No one should ever be ashamed to ask for help.

Never Give Up on the Tickets You Dream Of

If you have some time to kill either before or after the concert, particularly if you’ve chosen to actually stay at the Mohegan Sun, winning $3,863,188+ could definitely help you realize your dream ticket for primo Mohegan Sun Arena Seating at this or possibly even a future concert. Where did I pull that number (amount) out of? No…not there! That’s how much the home site reports that people playing at the Mohegan Sun casino have won so far today. Of course they make no mention of how much people have spent trying to win that amount but, hey—that’s why they call it gambling.

“Where Do You Want To Sit?”

“Oh wherever you want…I don’t care…you pick.” The obligatory exchange on a couple’s first visit to a movie theater. (And then when you pick that coveted center first row you get “Oh God! This is way too close. I’ll break my neck!” No, really, allow me to do that for you.) Well, purchasing your tickets ahead of time takes care of that dilemma—at least at the entertainment venue itself. The ordering of those tickets may still cause the obligatory exchange but by checking out the seating charts on the web, you will know where you’ll be sitting before you even get there.

Be Careful Where You Buy

For this last summer Olympics that most of us enjoyed, buying a ticket to see your favorite athlete or event was riskier that the high dive! There was something like 500 fraudulent sites for ticket purchasing/sales. Lots of arrests were made, thank goodness, but you know that in order for authorities to find these guys somebody had to get scammed. So whichever seats you long for at the next event, just try to check out where or who you are buying the tickets from.

FYI: as much as I love them, ‘sell-it-yourself’ sites like eBay, Amazon and Craig’s List are ‘questionable’ sources from which to buy tickets.

Can’t Miss Concerts of 2012

In the music and entertainment industry, there are concerts, and then there are Madison Square Garden concerts. Historically, the biggest acts have salivated over the chance to play the Garden, and some of them have been willing to wait for years to get in. This year, the concert season is rolling along nicely, with MSG’s docket of performers being as impressive as one might expect.

The Skyline’s Crown Jewel

While the summer touring season winds down as the leaves turn colors and the kids trudge back off to school, MSG will be providing the music this winter, starting in November. It is a testament to the magnetism of both Manhattan and Madison Square Garden that people will travel “Back East” when the snow is flying in order to not miss out on the biggest shows of the year. Patrons appreciate the stateliness and ambience of the arena as much as they enjoy the top-shelf entertainment.

Feel the Noise

This year has already seen its usual lion’s share of entertainment at Madison Square Garden, including the explosion of “Linsanity” on the New York Knicks (alas, that fire has since been put out). The pop/rock group Nickelback made their first MSG appearance there this year. The Japanese band L’Arc-en-Ciel became a standing-room only event back in March. This year’s schedule will include Madonna, The Who’s Quadrophenia tour, Neil Young (yes, with Crazy Horse), the great Leonard Cohen and the always-popular Justin Bieber.

The popularity of MSG as a venue is even reflected in video games, with Rock Band emulating MSG with a New York arena called “Empire Square Garden”. With the capacity to hold as many as 20,000 fans, Madison Square Garden would seem at first to be something less than cozy. The history of the building, though, along with the renovations that ramp up the experience for the fans.