How to make it through to pay day

A group dining with friends.

Some months seem never ending. January is certainly one of them. How is it not pay day yet? If you’re struggling to make it through to the end of the month, with funds in your bank account, then continue reading.

We have all been there; there’s just too much month in your pay period. You have loads of things planned, but you’re really unsure about how you’re going to pay for everything.

If you’ve made a commitment to do things with others, then naturally you will want to go along. Who wants to tell their friend they can no longer afford to attend their birthday party? If that’s the case, you’ll need to look at your budget, because really, there’s no other option.

Getting creative with your budget

There are various ways to make it through to the next paycheck. But it all depends on your personal situation and what you need. Here are some tips if you need to get creative with your budget:

1) Track your spending habits – this is the best way to know where your money is going.

2) Plan ahead – if you know that you’re going to be short of money, then start saving for in advance.

3) Try not to spend money on things that aren’t necessities – this will help you save up more quickly for emergencies.

What if it’s too late?

These tips are all well and good, but sometimes, even though you’ve tried, you’ll still run out of cash. So what then?

You could look to lend some money, but understandably, some people won’t want to take out a credit card. You might not have time a credit card application either, as they can take weeks to be processed.

That means you’ll need to look at different routes. Polar Credit is one of the credit card alternatives available to people looking to borrow money. With Polar Credit, you apply online and once approved, you are given a credit limit (with a fair interest rate). You can then transfer funds into your existing bank account. You’ll then make monthly repayments and you can borrow more cash as and when you need it (subject to your agreement). For more information about how it works, visit Polar Credit.

Don’t miss out

If you have made plans this month, but you’re running out of money, then you don’t have to miss out. You just need to get a creative with your finances!

So go out as arranged, have fun and hold tight; pay day will roll back around eventually!

This is a paid collaboration.