Money Diaries: The 20-something trying to pay for a wedding AND save for a ...

In today’s latest installment of The Money Diaries , Christine is paying down tens of thousands of dollars in student loans and paying for her upcoming wedding and planning ahead for a down payment on a house.

Read today’s diary and share your #1 tip for Christine in the comments below.

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Day 1

09:00 a.m.: “Breakfast” = Slim Fast shake. I have 2 months till the wedding and I am going to do my best to not gain weight. Losing a few pounds wouldn’t be bad either. I don’t need to loose any, but everyone wants to look best for their wedding day. Working from home today so I don’t think I will have too many temptations to eat out, but how to motivate myself to actually work out is another matter. 12:30 p.m.: $40 for deposit for wedding dress alternations, cash only and will have to remember to bring the rest of the bill when I come for my second fitting ($148 on Sept 8th). Never have cash on me, so it takes a big effort for me to actually remember to get out of the ATM. It semi makes me feel like this not the most legitimate business when they only accept cash. 04:00 p.m.: $138 for wedding favors, Tea Forte for everyone and another thing I can check off of my wedding list. Thank goodness Amazon has free shipping. We will print our own labels so we don’t have to go through an overpriced wedding website. Those places seem to love to gouge you whenever you specifically look for anything for a wedding. 05:00 p.m.: Utilities due ($51.73). My fiancée (MF) and I split the bills, but I usually cover the utilities and electric and we split the cost at later.

Day 2

05:00 p.m.: Yet more yeses on the response cards for the wedding. Is it bad that I want more people to start saying no to coming to the wedding?

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Mainstream banks also offer payday-style loans

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Microlending takes off in the Bay Area; small businesses reap the rewards

"Look over there -- payday loans,'' says the spokeswoman for San Jose-based Opportunity Fund, a Bay Area-based microlending nonprofit that helps small businesses get off the ground or expand. "And there's a check-cashing place on the corner.



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"This Government is determined to ensure consumers are protected from unscrupulous practices in the pay day lending industry," he said. Cash Converters spokesman Glenn Donaldson said it was misleading to suggest taking securities over small loans was



Money Diaries: The 20-something trying to pay for a wedding AND save for a ...

I have $13000 outstanding student loan debt, but otherwise I'm debt free. I've already paid down the debt from $24000 in 4 years and I've also paid off my car. I've got plenty of leeway in my budget, so I do a double payment on my student loan payment



Consumed by payday loans: State legislators offer haven for lenders deemed ...
Consumed by payday loans: State legislators offer haven for lenders deemed ...

Proponents of raising loan limits say the $500 threshold sought under Calderon's bill is simply an attempt to catch up with inflation, since the $300 limit has been in place for 15 years. The nationwide movement to clamp down on payday loans began a




Payday Loans Will Answer the Question: How Did I Get Here?

You may find yourself with a low bank account balance when bills are due, and you may ask yourself, “How did I get here, with my low balance?” You then remember that little shopping spree you had after your boss blamed you for a decision he made that back fired. No one is blaming you for blowing off steam, but it is now 7 o’clock at night and you need to pay your mortgage by the end of the day. Where are you going to get money at this time of day, all the banks are closed. It is a good thing you can get an instant cash advance online 24 hours a day.

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Safe loans online were designed to help people with a financial crisis between pay checks. It is a convenient, safe, and easy service that can get you the money you need fast, at any time of day. The entire process can be completed online on their safe and secure site, there is no need to fax any documents to your online loan lender. The requirements to qualify for a instant cash advance loan are that you have to be at least 18 years old, a citizen of the United States, and you must be currently employed. At your job, you have to make at least $750 a month and receive direct deposit. After you fill out your online application, you can be instantly approved for your loan based on your income and employment history. Once you are approved you can find up to $1,500 in your account from an easy direct deposit. It is that simple!


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