I am happy that hubby is following the family budget I set quite well.

If he goes on sticking to the budget, I am sure that we are able to cut down on unnecessary expenses and save more money.

If coupled with making more money from selling slimming pills and baby gifts, I can expect even more money to be saved in the savings account.

It’s my hope that I can reach $3,000 by the end of the year.

I have asked hubby to check if his credit card points are enough to redeem 2 free-night stay at the San Diego hotel.

With weakening economy and looming recession, I think this is the best way for hubby and I to enjoy a holiday without spending much money or breaking our savings account.

If I get to go to San Diego this time, I want a trip to the San Diego Zoo. A trip to the San Diego Zoo is likened to a trip to the African Rain Forest, the Arctic Tundra and a chance to see the natural habitats of some 4,000 animals and 800 different species living among the finest collection of plants in the world.

My sister suggests me to use my spare money to invest in the gold coins or mutual funds she bought. No way!

I am in the midst of saving extra money as emergency funds and it hasn’t even reached my basic $1,000 goal yet.

Even if it hits the $1,000 first goal, it must remain in the savings account as my emergency funds.

I never know when I need the emergency funds. There are simply too many what if questions playing in my head that the only thing that can calm me down is knowing there is some money saved in the bank.

I am grateful that my blogging pal is willing to bank in cash into my savings account for these few weeks before my new debit card arrives. I wonder if the bank will reject my debit card application again. Well, just keep my fingers crossed.

No matter how busy my blogging pal is with her crib bedding online business, she will do the online transfer once I notify her.

To be honest, I find it safer to send my PayPal funds to my pal and she transfers money into my savings account.

I don’t know if I should go on using my Tune Money Visa debit card.

I am praying that my blogging pal is back tonight so that I can send her my PayPal funds and she banks in cash into my savings account.

She is my only buddy that I can depend on when it comes to withdrawing my PayPal funds.

I need the cash for my family health insurance premiums and also my auto loan installment.

There is no way I will withdraw my PayPal funds into my Tune Money Visa debit card now unless I see my missing PayPal funds again.

According to Tune Money, the funds has not reached the Visa center. So does that mean PayPal has to be blamed on? I don’t know. I am still waiting for PayPal’s reply.

I am relieved that I had enough money to pay some overdue credit card payments and home loan interest payment this morning.

I had my blogging pal to thank. She banked in cash into my savings account after I transferred my PayPal money to her. She is really really helpful. Thank God for such a great friend I have.

It’s great that I can focus on writing keylogger and debt consolidation loan reviews assigned to me a few days ago.

Payday Loans are relatively small, short-term, unsecured, consumer loans. The ads of payday loans are on the radio, television, the Internet, and even in the mail.

Payday loans go by a variety of names: payday loans, cash advance loans, check advance loans, post-dated check loans or deferred deposit check loans.

With the advent of Internet, borrowing money is much easier if compared to last time. You can now apply for payday loans through the Internet, with loans ranging from $100 to $1,500. With just a few clicks, you are done with applications for payday loans and just have to wait for approvals.

You will be connected by payday lenders who will evaluate your information. If you are pre-approved by lenders, they may contact you directly and ask for additional information in order to approve the application for loans.

If approved, the loans are then wired overnight into your checking or savings account. The term on payday loans typically range from 4 to 18 days, coinciding with your next payday.

Let’s say you want a payday loan. You need to write a personal check for $115 to borrow $100 for up to 14 days. The payday lender agrees to hold the check until your next payday.

At that time, depending on the particular plan, the lender deposits the check, you redeem the check by paying the $115 in cash, or you roll-over the check by paying a fee to extend the loan for another two weeks.

You may only consider payday loans if you are desperately in need of money before payday especially in the case of emergencies such as medical expenses, car repairs, or important one-time payments.

If you decide you must use a payday loan, borrow only as much as you can afford to pay with your next paycheck and still have enough to make it to the next payday.

Saving has always been a way of life for people who believed on its power. These people know that they have to save more money in order to create a more established future.

However, as time goes by, more and more people find it hard to save money. They contend that saving is no longer a way of life but a resolution that they have to strictly adhere to just to salt away some amount of money.

Some people even insist that it is no longer possible for a person to save more money because most of them are already living paycheck to paycheck. With all the high-prices of commodities these days, saving more money is no longer workable.

But the point is that people can indeed save more.

How? Here is a list of some modern ways that will let you save more money:

1. Save some percentage from your salary. Most money-savers automatically take at least 30% from their salary and save them into their savings account. The basic concept here is that most of us spend whatever amount we have on our paycheck, and maybe even more. If you are able to limit that amount, your expenses will unexplainably get smaller.

2. Pay everything in cash. Credit cards had always been a way of life for most consumers. The problem is that they become so comfortable with it that they tend to spend everything on credit.

In fact, statistics show that the average family has an average outstanding balance on their credit cards amounting to $7,000. And they even pay almost $1,000 in each year just on the interest charges alone.

Hence, because of this comfortable shopping, they forget to keep track of their expenses and accumulate more payables than what they can afford to pay.

3. Set goals. Create goals that you really want and not be fickle-minded about it. If there’s a certain amount involved, be specific with the amount, like saying “I will save $5,000 in a year and not around $5,000.”

Try to set your goals based on your priorities. Have a period for every goal.

4. Check your company’s retirement plan. With your employer plan such as the 401(k) or the 403(b), you can definitely save more money for the future. Here, your company will deduct a percentage of your salary from each paycheck and invest the amount in your choice of instruments—mainly mutual funds.

The bottom line is that saving is not just a way of life or a resolution. It’s the ultimate gratification that you get as a fruit of your labor.