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Even though payday loans provide a helpful service to hard working people who need to pay for emergencies, they sometimes take the heat for a bad economy. It's wise to study payday loans before pursuing them.

According to a recent study of over 7,000 Americans by GOBankingRates has found that 69% of respondents claimed to have less than $1,000 in savings.

Many US adults are woefully ill-prepared for an unplanned expense, they don't have any emergency fund. Nearly half of all Americans said in a survey they would not be able to afford to pay for a $400 emergency. 

Financial experts are always telling you to grocery shop on the cheap: cut coupons, join wholesale clubs, and buy in bulk. But guess what: your health is worth it. Packaged foods might be cheap and perpetually on sale, but fresh produce and whole grains give your body the nutrients it needs to stave off colds, obesity, and disease - oh and also, you guessed it, expensive medical bills. In fact, studies have shown that buying healthy food and cooking at home (as opposed to "cheap" fast food and prepared meals) is actually less expensive in the long run: a typical family of four will spend nearly $30 for a meal at the drive-through window, while a basic and nutritious meal of rice, beans and fresh vegetables makes enough for a few days' worth of leftovers for less than $10.

With Christmas fast approaching online retailers are pulling out the stops to lure shoppers online to do their Christmas shopping. A new study by KPMG has found that the Brits are by far the most natural when it comes to doing their shopping online.

However, late Christmas shoppers taking chances to spend nearly half than consumers who buy their presents beforehand, according to Nectar's study. On the threshold of last-year Christmas those people shopping online before 17 December spent £37.28 per transaction on the average, by contrast with those, doing their shopping during the last week before Christmas, spent £54.37 per transaction.

According to the study made by Equifax, the credit reporting agency, US have a huge credit card debt that comprises $790 billion. There is a rating of top 10 cities of the US with the largest credit card debt

Well, the critics of Mississippi House Bill 455 consider that payday loan lenders will be absolutely banned only if the APR will be declined to 36%, though, it seems to be untenable due to the numerous studies.

Following the latest research, the personal checking account can cost much more than people usually think. The Pew Health Group revealed the results of the study concerning the average US checking account