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Check cash advance

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I just hate it when I run out of money before the next paycheck. It doesn’t happen often, but it has in the past.

When I was just 18 or 19 years old and new to living in Toronto and managing my money I found that I had more problems managing my money. This was a problem because most of my bills came in at the beginning of the month and if I had mismanaged my money some bills only got partially paid, or if I did have enough to pay all the bills I was low on cash for buying other things I needed- like groceries.

As you can tell I didn’t make a lot of money when I first moved here. I remember one time when I was very low on cash and went to a shop here in Canada called “Money Mart”. It’s the same company that offers Payday Cash Advance Loans. I guess that’s just it’s Canadian name.

I was getting a regular paycheck and I had it, but I think it was a Friday and the banks were closed and I wouldn’t be able to deposit it into my account until Monday. I needed the money that day. So I went in with my check and I was approved for a Check Cash Advance. The company took a small percentage of the check as a fee for the service, but I had the majority of my pay check to spend as I wished.

I’ve never had to get a Cash Advance since that time. No it’s not because I suddenly developed better money management skills. Well, they have improved but they didn’t improve over night. Either way, I suppose I just never needed money that quickly again. However, If a similar situation did come up in the future I know I’d try it again.






My favorite cheque designs

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I need to get some new checks made, preferably cheap checks . Why cheap? Well, I don’t use checks these days as much as I used to, so why pay the bank $40 or $50 to have them make me checks that will take me two years to use?

I’ve never been really big on plain looking checks. They’re just so boring. I’ve always picked out checks with background designs that I enjoyed. I even did that with my business checks way back when I had my own jewelry business (I was a jewelry designer/trades person).

I can’t remember what I picked out for my business checks – that was more than ten years ago, but I think I chose ones with my business name written in gold. My companies name was Gold Cuts so it made sense to have the company name splashed across my business cards and checks in gold. Oh, the checks for my business were in duplicate as well to help me keep track of my expenses easily. I just didn’t have time, or even access to a good finance program that I could use on my computer back then.

Whenever I order personal checks for my accounts I pick a different design. Some of my favorite check designs have been of beautiful landscapes or animals. I had one with two deer on them once. I really enjoyed that design.

I think the next checks that I purchase- hopefully cheaply – will have some kind of floral design. Something in keeping with my current interests. Perhaps I can find some nice ones with rose backgrounds. My personal checks are always side tear checks. I don’t need duplicates of my personal checks as I write so few of them these days it’s easy enough for me to remember what I paid for with a check.

So tell me- what kind of checks do you like to use? Do you purchase plain checks or do you get ones with a design that you’ve spent some time picking out in order to make your checks a little more personal?

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