Are you having a hard time making money last from paycheck to paycheck? If so, your financial habits may need a little adjustment. While options like payday loans can help when an unexpected expense arises, there are other steps you can take to get a better handle on your money between paychecks.

4 Tips for Better Money Management Between Pay Days

1. Work Out Your Budget Every Month

At the beginning of each month, make a spreadsheet of recurring expenses and other anticipated costs. Once you have an idea of how much money you’ll need to cover these expenses, you can allocate your funds accordingly. For example, if you have money leftover after covering all bill and loan payments and general expenses, put that money into a savings account to tap into later if needed.

2. Make Coffee at Home

In addition to gaining a better understanding of your finances, look for ways to cut expenses. Even small expenses like purchasing a cup of coffee every morning can add up throughout the month. Instead, make coffee at home and carry a reusable travel mug to cut back on costs. You can also take the money you’ve saved each day and set it aside for other needs.

3. Stop Eating Out So Much

Similarly, eating out and buying takeout can eat into your budget if you’re not careful. Eating at home is not only healthier, but it’s also better for your bottom line. You can make meals at home and take them for lunch at work to save even more money. To ease yourself into this habit, begin by budgeting enough money for a couple of meals out a month, and don’t exceed your limit. As you master this, decrease your orders until meals out are more of a treat than an expected expense.

4. Use Payday Loans for Emergencies

If you experience an unexpected expense, a payday loan may be a good option. With a few brief steps, you can apply for funds to cover medical bills, auto repairs, and other financial emergencies. Many payday loan providers also offer flexible terms and rates, which means you won’t go broke trying to repay your loan.

Even the most financially responsible people find themselves faced with unanticipated expenses. The payday loan team at Advance U Cash is here to help residents of Florence, KY, get back on track. All it takes is a valid ID, recent pay stub, and checking account statement from the past 30 days, and these cash advance specialists will help you gain access to the funds you need. Additionally, first loans are interest-free, and even those with a poor credit history can qualify for help. Speak with a loan representative by calling (859) 746-2274, and visit their website for a list of frequently asked questions.