know who and what your spending your money payday

Let's face it, we all like a good deal but when it comes to handing over some serious cash, it's important to know who and what your spending your money on. A payday loan shouldn't have compensate for you getting duped on "a good deal." Dubious deals come in many forms so knowing what offers are actually worth it can save you money in the long run and keep you from borrowing money on a payday loan or cash advance to pay for something you really shouldn't have bought in the first place. Check out the offers below before you sign on the dotted line. Your wallet will thank you! * Travel Clubs - These organizations plan group tours for their members and claim that everything, including restaurants, hotels, airfare and cruises is drastically reduced for members. Some clubs charge thousands of dollars for membership. Typically, any club that charges more than a few hundred dollars is likely to be ripping you off. With all the Internet travel sites, you are sure to find a deal on your own. * Cell Phone Insurance - Carrier's offer an option to pay a monthly fee for cell phone insurance should you break or loose yours. That is on top of the $50-$100 deductible you will pay should you have to make a claim. When you do file, you may end up with a different phone or possibly a used/refurbished model. Unless you have a high-end phone like an iPhone, skip the insurance and look on Craigslist or eBay for another phone. * Mail-in Rebates - Many of us have dealt with a mail-in rebate in hopes of knowing we got the best deal on our purchase. The process of getting your cash isn't all that simple though. Thirty-three percent of rebates are rejected for various reasons. Consumers are asked to jump through hoops only to find out they are denied because they didn't sent in the proofs or purchase, mailed the rebate past the expiration date, or because the store the item was purchased at made a mistake. Items with mail-in rebates aren't always the best deal. 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