So cutting the cord could save you 89 a month, or 1,068 a year. Cell Phone Service. If you have a smartphone with a pricey data plan, you can drop it in favor of a basic flip phone with a cheaper cell phone plan. Coverage from the major carriers costs at least 60 a month, but a basic prepaid phone can cost as little as 3 a month.
Thats a savings of 57 a month, or 684 a year. Bad Habits.
The FTC recently sued several online payday lenders for violating federal laws. The lenders allegedly lied about how much their loans would cost, required borrowers to allow the lenders to take money from their bank accounts automatically, and threatened to sue the borrowers or have them arrested for non-payment. Here's how the scam allegedly played out: The online payday lenders required borrowers to provide bank account information so they could deposit the borrowed funds electronically and withdraw the repayment amount from the get quick loan australia later.
The lenders claimed that the repayment amount would be the amount borrowed plus a one-time finance fee, and that this amount would be withdrawn on a particular date. Instead, the lenders made multiple withdrawals a plus cash advance saint joseph mo the borrowers' bank accounts and assessed a new finance fee each time.
The result of this scheme. The borrowers paid much more than the stated cost of their loans. In a typical example, a person borrowed 300 with a stated one-time finance fee of 90. The borrower expected that the loan would be repaid in a single withdrawal of 390. But the lender began a series of automatic withdrawals, assessing a 90 finance charge each time.
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