5 Signs You Need Help Paying Bills And How To Get Cash

September 27, 2021 | Mason Roberts

need help paying bills

If you need help paying bills, it’s something you share with many Americans. However, figuring out a source for this help can be easier than you think. The first step to getting help is figuring out that you need help paying bills in the first place.

From there, you can take a more proactive approach to your finances, figuring out how to get the help you need — and get it fast. Here are a few signs that you may need help paying bills and what to do to get that help, including using South Carolina payday loans.

How Do You Know If You Need Help Paying Bills?

1. You’re Using Too Much Credit

Using a credit card is useful (and sometimes necessary) especially as an adult. But if your financial plan relies too heavily on credit, it’s not a healthy plan for your future.

If you’re using credit to pay for all of your expenses, everything from groceries and your mortgage to gas and transportation, it’s a clear sign you may be in trouble financially and need help paying bills.

Another big issue: if you pay your credit debt with more credit — and never find yourself able to pay off any of your credit lines.

If any of the above sounds familiar, consider paying off at least one of your lines of credit or seeking some helpful form of credit counseling before things get too out of hand.

2. You Can’t Stick To A Budget

Creating a thorough and realistic budget is the most important step to getting your finances in check. It also clearly reveals whether you need helping paying bills.

If you’re able to set a budget based on your average bills for essentials — food, utilities, rent — and you find yourself falling short every month, it’s time to take action.

Redo your budget and pinpoint exactly why you aren’t able to pay your bills in full. Are you spending too much on both needs and wants? Make realistic and necessary adjustments if you feel you need help paying bills. 

man without savings

3. You’re Lacking In Savings

Nearly 70% of Americans have less than $3,000 in savings. Not having significant savings doesn’t necessarily mean you need help paying bills, but it can be a sign that you aren’t being the most financially responsible.

Many of us who have trouble paying bills aren’t able to cover urgent expenses because there is not a set amount of savings to pull from in emergencies.

Your objective: fit in even a small amount of savings each month into your budget. Whether you have to use them for bills or not, there will be at least something there.

4. It Takes You Too Long To Pay Your Debt

Most financial experts agree that even with high-interest debt, it should not take more than a few years to pay off lingering debt, even when it’s very high interest.

If you have debt that is taking five or even 10 years to pay off, it’s a big sign you need helping paying bills to get yourself out of the debt hole. It can be that your credit use is too high, your interest is unreasonable for a particular credit line or you’re not budgeting properly for your credit payments. It may also be all three.

5. You Struggle Even Between Paychecks

Living paycheck to paycheck is no way to live and one of the biggest indications you need help paying bills. When a financial emergency strikes, one option you could consider is a payday cash advance near me to help cover this emergency.

payday cash advance near me

What Is A Payday Cash Advance Near Me?

A payday cash advance near me is a short-term financial tool. When you go through At Carolina Payday Loans, Inc., that tool can provide up to $500 in a loan if you qualify. Our qualifying process is simple and quick too, here’s all you need:

  • To be at least 18 years old.
  • Your most recent paycheck.
  • Your government-issued ID or your driver’s license.
  • An active checking account in your name and a blank check.

What’s The Process For A Payday Cash Advance Near Me?

It takes less than an hour to qualify for a payday loan from Carolina Payday Loans, Inc. To qualify for yours today, you can follow these quick steps:

  • Fill out of quick payday cash advance online form on Carolina Payday Loans, Inc.
  • A loan representative will call you to explain the process, review the required items to qualify, and answer any questions you may have. They will also schedule an appointment with you.
  • Head to a Carolina Payday Loans, Inc. location of your choice, where an associate will evaluate your materials to determine if you qualify and how much of a payday cash advance loan you qualify for. If you qualify for a loan and accept the terms, you can receive the money you need on the same day or the following business day. 

Get Help With Your Bills Today 

Many people need help paying bills from time to time. By qualifying for a payday cash advance near me, you have an option to receive assistance for a financial emergency between paychecks.

At Carolina Payday Loans, Inc. we’re dedicated to providing you with the help you need as quickly and easily as possible. Fill the form online, visit us in person or give us a call at 800-514-2274 today!