These past couple of months (and years if we’re being honest) have felt like the strangest duo of speed and confusion. Everything’s moving so fast and it just doesn’t make sense. As soon as one month starts and we become familiar with it, we see it come to an end instantly. We’re left with bits and pieces of memories, but one thing that remains constant are the bold expenses each month leaves behind. We want to start each month clean and fresh but as soon as we get the clear minds to embrace all that the month brings with it, it’s come to an end and we have the bills to show for it. Not to mention unexpected expenses that none of us plan for…

The official Consumer Finance website of the United States government describes an emergency fund as “a cash reserve that’s specifically set aside for unplanned expenses or financial emergencies. Some common examples include car repairs, home repairs, medical bills, or a loss of income.” Seems like whatever side of the political spectrum we find ourselves on, we could agree with the government on the importance of an Emergency Fund. How nice would it be if they sent us all an Emergency Fund Stimulus check? Anyways… back to reality:

If you are like 51 percent of Americans, you have less than three months’ worth of expenses covered in a single emergency fund. This statistic was discovered in Bankrate’s Emergency Savings Survey from July 2021. You could also be part of the 25 percent of Americans who do not have any kind of emergency fund, according to the same study.

There are practical ways to build out an emergency fund without much effort. One requirement before getting started is having a consistent income. If you’re currently unemployed and ready to take the next step to enter the job search check out Indeed or Ziprecruiter. After setting up an account you’ll receive daily emails for jobs that you may be interested in based on your resume and preferred job interest.

Minimal Effort Tips to Build Out an Emergency Fund:

Automatic Money Transfers 

Auto transfers between your current bank accounts is one of the simplest ways to save and see a difference for an Emergency Fund to build over time. To do this, set up recurring transfers where your money is automatically transferred from your checking account directly into your savings account. You can select how much you’d like to be transferred and how often (weekly, monthly).

Save off Payments 

Collaborate with creditors: anyone you owe money to including your landlord, utility companies, bank / credit card company, family/friends, etc. Two options here can really make an impact. From refinancing to requesting adjustments on due dates for your bills, you’ll find a new way to move a little extra money into your Emergency Fund.

Day to Day Monitoring

Daily monitor expenses and cut back on the unessentials. This may seem like an obvious tip but spending a little extra time every day can help you spot things you can be overlooking. Anything from false charges on your account to noticing subscriptions you no longer need can add up. Those extra bucks can make a significant difference overtime when re-purposed into an Emergency Fund. 

“Great Tips, but I Need the Cash ASAP!”

So what do you do when emergencies come up, you need access to cash within 24 hours, and you haven’t started your Emergency Fund just yet? Your initial thoughts may be to visit the bank. This process can be very lengthy, taking days to weeks with tons of paperwork. Reaching out to friends and family is always an option but given the current uneasy status of the world, it seems like everyone’s in a pretty tight place.

There is a simple solution: seek out support from a company who specializes in helping people with fast personal lending needs. These companies are rare and different from the bank. They focus specifically on quick and simple loans that can get you the money you need in as fast as you need it. One of the timely, safe and efficient companies we recommend is Simple-Funds.com.

What Is Simple-Funds.com?

This company understands the hassle people go through trying to borrow anywhere from $1,000 to $5,000 quickly, and was born to simplify the process. Simple-Funds.com is a service that can help you find a lender or lending partner to get you the money you need as fast as 24 hours.

Here’s the interesting thing about the platform. Simple-Funds.com isn’t a lender. You can use their service by submitting your information through their secure online form . When you do, they will be able to instantly connect you with one of their lending partners in their network of over 200 certified US lenders. This process is done online - there is no need to go into a bank or even speak to someone on the phone to go through it. The form can take a handful of minutes to fill out, and seconds to minutes to receive an approval-based decision. And the money? That's the best part. It arrives into your account as fast as 24 hours. More on that in a moment. Loans are available for any credit type from poor to fair to excellent, every credit score is welcome! You can actually start by filling out the form right here or you can go straight to their website.

Why Choose Simple-Funds.com?

Speed

If cash is king here, then its queen is speed. We can’t understate how fast Simple-Funds.com is. This company gets you your money fast... in many cases, you can get your cash loan deposited into your account as fast as a day. As long as you have set up your information accurately and have been lender approved, the money will be on its way once you confirm you’re ready for your cash loan.

Safety 

Simple-Funds.com is also a safe company to do business with. Some websites claim to be safe and instead steal your information and infect your computer.Simple-Funds.com protects and secures your personal information using 256-bit encryption, one of the most secure encryption methods that’s used in most modern encryption algorithms, protocols and technologies.

Convenience & Comfort

Working with Simple-Funds.com is convenient. You do not have to leave the house to work with them. You can apply from the comfort of your home within minutes. You’ll simply need Internet connection and a computer, tablet, or mobile device.

Transparency

Another thing we love about this company is that they’re transparent and do not try to hide anything. Information on rates and service are all outlined on the website which notes that it is a free service created to connect you to a lender. The company also lists important information such as policies to review once you receive a loan offer from one of their lending partners. These policies include but are not limited to late payment policy, non-payment policy, loan renewal policy, and lending policy.

Readers tip - by paying back your cash loan on time, you have the potential to actually improve your credit score! This is one reason why some people take out loans to begin with. You can use the cash from your Simple-Funds.com loan for any purpose you’d like. It can be used to consolidate current debt, pay off bills, emergencies, travel, home needs, and even Holiday expenses. 
To get started, just visit Simple-Funds.com and fill out the form.

Important Disclosures. Please Read Carefully.
Persons facing serious financial difficulties should consider other alternatives or should seek professional financial advice. clevermoneynews.com’s service is always free to the consumer. This website is not an offer to lend. clevermoneynews.com is not a lender or lending partner and does not make loan or credit decisions. Based on the information you provide, clevermoneynews.com searches its network of approved lenders and lending partners to connect you with a lender or lending partner that may offer you a loan. The loan terms and fees are determined solely by the lender or lending partner. clevermoneynews.com has no control or knowledge of the loan details and does not control nor is responsible for any actions or inactions of any lender or lending partner. clevermoneynews.com is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. clevermoneynews.com receives compensation from its lenders and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
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Lender’s or Lending Partner’s Disclosure of Terms.
The lender or lending partner you are connected to will provide you documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments, interest rates, and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender or lending partner based on the lender’s or lending partner’s internal policies, underwriting criteria and applicable law. clevermoneynews.com has no knowledge of or control over the loan terms offered by a lender and lending partner. You are urged to read and understand the terms of any loan offered by any lenders and lending partners and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you. Additional fees or charges may apply to you in the event that you are unable to repay your loan. clevermoneynews.com uses commercially reasonable efforts to work only with reputable lenders and lending partners dedicated to pursuing collections of past due accounts with conduct that is fair and reasonable.

Late Payments Hurt Your Credit Score
Please be aware that missing a payment or making a late payment can negatively impact your credit score. Each lender and lending partner has their own policies with regard to late payments. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lenders and lending partners immediately and discuss how to handle late payments.