Are you a spender or a saver? You don’t have to answer that question because there is no correct answer. Let’s face it; there are pros and cons to both sides here. Spenders tend to be incredibly generous people, probably because they aren’t that concerned with holding on to their money. But spenders can also make impulsive decisions and end up with nothing to show for their hard work. Savers, on the other hand, tend to be naturally patient and more responsible, but they can also become stingy and have trouble spending—or giving—a dime. That’s no way to live either! Bottom line: If you are a spender, that’s okay; and if you are a saver, that’s okay.
Payday lending is pretty simple. A person has an urgent short-term need for cash and goes to a payday lender. A person with a job, a checking account and proper identification can borrow anywhere from $50 to $500 until his or her next payday. Such borrowers write post-dated checks or provide written authorizations to the payday lender for the amount of the loan plus a fee, which is typically 10% and a $5 verification fee for Florida residence. On the next payday the loan is either repaid in person by the borrower or the lender cashes the check or initiates an electronic funds transfer. That's it.
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