Cash for Gold – Sell your Gold for the Highest Price

When you’re looking to get cash for gold you’ll want to make sure that you’re receiving the highest price possible for it. You don’t want to end up with $200 for your unused gold when it’s worth at least twice that amount. Find out how to sell gold for the highest price possible by reading through this guide. You deserve to get the highest price for your gold when you’re ready to sell. 

Some of the things that you might want to consider selling that are made of gold include:

  • Wedding rings
  • Engagement rings
  • Necklaces
  • Gold tooth fillings
  • Gold bullion bars
  • Miscellaneous jewelry
  • Class rings

Many people have old unused jewelry that they have been saving for years yet haven’t worn for a long time. If this applies to you it’s time to round up that jewelry and bring it in for cash for gold. When you want money on the spot at the highest price, you’ll be able to do it this week.

Highest Price for Gold

There are a lot of companies that are advertising that they pay for your used gold but you have to be careful who you work with in order to get the highest price for gold. Don’t just go to a place that you’ve seen advertised on TV as your first choice. It’s important to distinguish the good from the bad when you’re trying to sell gold jewelry to make sure that you get all the money you deserve.

You should avoid selling gold at pawn shops since that is not their main business. Pawn shops take in used items from people in order to resell them to other customers at a higher price. This is what their main concern is and selling gold is not a high priority. In most cases you’ll find that the price of gold at pawn shops is considerably lower than what you’d find at a cash for gold shop that offers this as one of their main services.

Another thing that you’ll want to avoid is Internet cash for gold sites that don’t have a physical address. You’ll be asked to send in your gold through the mail and it will be assessed and you will have the option of having the gold returned to you or being paid for it. Since most people don’t want to go through the hassle of getting the gold back they will accept a lower price for the gold. Many don’t even realize that they’re getting a lower price.

There are some Internet websites that are also scamming people that are trying to sell gold. You send your gold into these companies and then never hear back from them again. You need to be extremely cautious when you are selling any type of precious metal. If there is no physical address where you can go to sell your gold, don’t use the services. A legitimate cash for gold website will provide you with the locations that you can visit to sell your gold in person.

How to Determine the Best Price for Gold 

When you’re looking online and see the spot prices for gold you should understand that only institutional sellers receive this spot price. You will get paid below the spot price for your gold but you can take your time to shop around to find the highest price for gold. You can simply call up the cash for gold shop and ask them what their gold pricing is at the time.

You should realize, however, that gold prices fluctuate and the price you are given today may not be the same tomorrow. When you are calling around and trying to find out where you can get the highest amount for your cash for gold, ask how long that price will remain in effect. That way you’ll have a better idea of what to expect.

Sell Gold Jewellery in Brampton

When you’re ready to sell gold jewellery in Brampton it’s also important to understand that the price you will be paid will be determined by the purity of the gold. If, for example, you are selling a gold necklace that is 18 carats you can expect to get a much higher price than what you would receive by selling a gold necklace that is only 10 carats. The amount you receive will also be determined by weight so a large gold class ring will give you more than a lightweight gold bracelet.

If you aren’t sure whether the jewelry you have is real gold or not you can always go to the cash for gold Brampton shop to get it tested. If you happen to have any real gold jewelry with you you’ll be offered cash for it on the spot. You will receive your money right away and walk out with extra cash in your pocket. 

Some people end up making a lot of money by selling their gold jewelry. If you have any gold you might make more money than you expect. The simplest way to find out how much your gold is worth is to stop by one of the Brampton cash for gold service shops to get a quote. It’s fast, easy and once you receive a price you are under no obligation to go ahead and sell your jewelry. You can decide at the time whether or not you want to trade in your jewelry for the highest price for gold.

Get a quote for your gold today at one of our physical locations in Brampton. Visit our website to find the closest location near you. We have gold centres across the GTA and we are a reputable cash for gold company that you can trust with your unused gold jewelry items. We have a professional website and we don’t accept gold through the mail. We are a legitimate business that keeps the prices high so that you end up getting more value for your money.

How to Make Sense of Your Finances Featuring Payday Loans

When your finances are in a mess and you don’t know how to get started, everything can seem quite confusing. You may have dug yourself into a financial hole and have no idea how to get out of it. In other cases you may not have a big financial mess to deal with but simply need to get on top of your finances to prevent a horrible situation from occurring in the future. Here are some ideas to help you sift through the confusion to make your way to financial stability.

How Payday Loans Lower Sackville Can Help

When you’re looking at your finances because you are having an emergency and simply don’t know how to deal with it, consider payday loans. This will help prevent you from getting into a severe financial mess because they are only short-term loans that you are required to pay back with your next paycheck. This means that you won’t be on the line to pay back a debt over the long-term, which is vitally important when you are trying to put your finances together.

Confront the Situation

Like most things in life, it’s hard to get started when you have a lot of things in front of you that you don’t feel like you have any control over. The important thing is to get started and to get to know your finances. Make a decision to take a step forward on this journey by getting a notebook that is dedicated just for working out your finances. Don’t write anything else in this book but keep it handy so that you can reach for it easily every time you decide to work on your money situation.

The other thing you’ll need to do is get a copy of your credit report to find out what lenders are learning about you when they read it. A credit report is an indication of how well you are doing with your finances and even though it may be hard to confront, it’s important to at least look at it. You’ll find that there are sites on the Internet that will give you the information you want for free or you can contact the credit reporting companies directly and ask them to mail you a copy.

Plan out a Budget

Put together a plan based on the income and expenses that you have every month. Remember that the budget that you put together is simply a tool that can help you spend wisely and make you think harder before you make purchases. Make sure that the budget includes some spending money so that you can buy items that you feel you need or are important to you.

The other thing that a budget does is helps you cut down on unnecessary expenses. When you have a budget you can list all of your expenses and once you see them on paper you might have some ideas as to how you can cut out some of these expenses. You may notice that you’re buying a couple of coffees every day and that it’s costing a lot of money on a monthly basis. If you cut down the amount of coffee you purchase to one a day, you can put that extra money into a savings account.

Develop a Savings Account

It’s important to put some money together for a rainy day and for an emergency. If you don’t have any money to start with right now, you can hold a yard sale or even consider selling some things on eBay just to get the ball rolling. Remember that getting started is the key to getting your finances on the right track.

Look for the Highest Price for Gold in Lower Sackville

Search around your home to see if you have any unused gold pieces. They can be in the form of jewelry, coins etc. Then, look for the highest price for gold Lower Sackville and take your gold in with you to get a quote. You can sell your gold on the spot and leave with money in your pocket right away. You can use this to help fund your savings account and it is a great way to get started quickly.

Money Orders Lower Sackville

If you have been paying extra money for a checking account that allows you to get money orders at a reduced rate, you may want to consider using a service that provides money orders Lower Sackville instead. Nowadays, traditional banks are charging a hefty fee for checking accounts that allow their customers to pay less for money orders. If you use a lot of money orders, this is a great way to cut down on your monthly expenses.

By using payday loans Lower Sackville and searching for the highest price for gold Lower Sackville you can make it easier to stay within your budget. While it may not seem like it will be enjoyable to put together a budget, it is a very useful tool that you can use along the way to help keep your finances in order.

Putting Your Finances in Order Is a Marathon

Getting your financial health in place should be considered to be a marathon. It may take some time to eliminate any debt that you have acquired and to get used to using the budgeting system. If you find that you are having a hard time following the budget after a few months it may be a good idea to take a look at it again and refine it. The most important thing you can do is get started and develop a positive mindset about your financial goals and how you are going to meet them.

Also, it’s important to remember that we have all been going through a tough time during the last couple of years and that a lot of people have had to take a fresh look at their financial situations in a new unit of time. You are not alone and once you start talking to others you’ll realize that the issues you are facing are common right now.

To learn more about getting your financial situation on track and for more helpful tips please visit our website now at

Sell Gold Jewelry to Save Money When Planning Your Next Vacation and Other Travel Tips

You’re planning your next vacation and if you’re like most people you’re already getting excited about it. You may be working on a budget in terms of the trip and want to know some great tips to help you save money for the holiday and spend wisely while you’re there. Here are some fantastic travel tips that you probably haven’t heard before but should consider implementing. They can really help you with your travel plans in a number of different ways.

Sell Gold Jewellery 

One of the best ways to give your travel fund a quick start is to start looking around your home to find any unused or unwanted gold jewelry that you may have. When you sell gold jewellery you’ll be given the best price for gold and will be able to walk out of the shop with money in your pocket on the same day. This is a great way to boost your travel savings and it doesn’t take a lot of time. You might be surprised to find how much gold you have around the house that you really don’t need! Sell gold jewellery today and put the money in your trip fund right away.

Save As Much Money as Possible

Try to avoid using your credit card as much as you can for the trip. If you do want to use your card to make the booking, it’s wise to already have the funds available in your bank account to pay back the card right away. Taking a trip on credit only may sound like a good idea now but once you get back you may end up regretting the decision.

When you return from a trip and have to face a large debt that has accumulated during your travels, it can be rather deflating. You have already had a good time and now you have to pay for it. It’s much better to start a travel fund and sell gold jewellery to get the saving started to cover the holiday than it is to accumulate a large debt.

Use Payday Loans as Necessary

If you have made a plan to stash away some money from every paycheque to pay for your trip, you may get stuck if any type of emergency comes your way. You may have to stop allocating your funds for the trip in order to handle the emergency. If you’re dealing with something small, you may want to consider using payday loans to help you get through the emergency while still continuing to save for the trip. These are short-term loans that must be repaid when you receive your next paycheque so you won’t be saddled with debt over the long-term. 

Payday loans are great to use when you feel that your funds for your upcoming trip may get side-railed due to unexpected expenses that crop up when you are saving for the exciting holiday. These loans can help you stay focused on saving so that you don’t have to postpone your trip due to lack of funds.

Travel during the Middle of the Week

When you’re looking at the best travel times you’ll probably notice that midweek travel can be as much as 35% less for hotels and airfare. You may also find that you’ll be facing fewer crowds when you travel midweek. Take a look at the prices now so that you can make plans for taking time off work according to the best pricing for your accommodations and airfare.

Make Your Booking Early

Book your trip as early as possible once you have the funds available to cover it. In most cases you’ll pay less the further out you book your holiday. If you are worried about the prices possibly coming down, look for a travel agency that guarantees that if the price should come down for any reason for your bookings that you will be provided with a lower price and compensated for the difference.  If you can’t find an agency offering this feature, look for one that has a low cancellation fee so that you can cancel your flight or your hotel reservation and then rebook both of them according to the new prices. 

Use Cheque-Cashing Services If Required

If you see a good price for airfare and hotels but aren’t sure whether you will be able to get your money in time, cheque cashing services can be your best friend. Sometimes it takes a while for a cheque to clear when you are using a bank and you need to have the money faster. When you use cheque cashing services you can cash your cheque on the spot and receive your money the same day. This can be a lifesaver when you are working with a timeclock and need your money on a specific day. 

Plan a Simple Trip

Plan your trip according to your budget and then you can add onto it later if you find that you have extra money to burn. Think of visiting only one or two destinations and organize a few adventures ahead of time that you’d really like to experience. You certainly won’t want to run out of money during the trip and have to pull out your credit card to fund the rest of it.

Look at what you would like to do most on your holiday and make a booking ahead of time so that it’s all paid for in advance. Think of things you can do that don’t cost a lot of money ahead of time so that you never feel like you aren’t getting the enjoyment you want out of your holiday due to lack of money.

You can use these cheque-cashing services, payday loans and sell gold jewellery tips to help you with your travels. When it’s time to hit the road, you’ll want to make sure that you have the best holiday possible no matter what your budget for the trip may b

Payday Loans and Top Tips to Prepare for Retirement

Retirement is a topic that should be on everybody’s mind from a young age. The sooner you plan for your golden years, the better off you will be. Retirement itself can be complicated even if you don’t have financial concerns to worry about. If you don’t have enough money, however, your problems will be compounded. Don’t wait until the last minute to start planning for retirement. Find out how you can work with your finances now by using payday loans and other financial tools to help you get prepared for your later years.

Create a Savings Plan Early

Many experts advise their clients to tuck away at least 10% of every pay cheque for retirement. If you do the math on your current earnings, you’ll see how quickly this can add up over the years. That’s not even taking into account any additional income you may run into or the pay increases you can expect to receive as the years go by.

If at all possible, take this 10% and put it away in a special savings account or investment fund that cannot be touched for any reason. This should not be thought of as any type of emergency fund that you can tap into should something arise. An emergency savings account should be created on its own, but the good thing about the emergency account is it will have an end point.

Use Payday Loans to Help You Get through the Tough Spots

When push comes to shove and you need some extra money to get through a rough patch, think of payday loans. It may be wise to take out a quick payday loan to make sure that your other debts are covered in a certain month when you don’t have enough money available to make your minimum payments. The great thing about payday loans is they are short-term loans that must be repaid when you receive your next pay cheque. Payday loans are a hidden opportunity to help you squeeze through the hard times while sticking to your plans as much as possible.

Cash for Gold Makes It Easy to Liquidate Your Emergency Fund

Put as much money away as possible into your emergency account with the goal of saving at least three months’ worth of salary. Name a specific amount that you’d like to have in this account and make it a goal. 

Once you have reached that goal, you can either keep the savings set aside in the bank or invest it wisely. When you’re thinking of investing this money, however, you’ll need to make sure that you invest in something that can be liquidated quickly. Precious metals and especially gold are great investment opportunities that you may want to consider. You can get cash for gold on the spot when you need it should an emergency arise. 

Sell Gold Jewelry to Top up Your Savings

Another thing you can keep in mind when you are building up a retirement or an emergency fund is you can also sell gold jewelry to help you reach your goals faster. Take a look around the house and see if you have any extra gold lying around in the form of old jewelry. This can be converted into cash on the spot at a cash for gold outlet in any of our stores.

Create a Spending Plan

One mistake that people often make is to incorporate a savings and a spending plan together as one in the form of a budget right from the start. This can get quite complicated and is one of the reasons why so many people fail to make a budget in the first place. You should put together a savings plan and a spending plan separately and then see how you can incorporate them together as a final budget. 

It’s easy to say that you should spend less than what you earn but in reality many people make the mistake of using their credit cards and getting into debt. When you do up a budget it may look quite simple to make the spending and savings columns even but this is easier said than done. If you’re like many people, you’ll need a separate spending plan in place so that you stay on track with your expenditures.

The best starting point is to take a month to keep track of every time you spend. This means noting every coffee you purchase on the way to work, each time you fill up with gas and when you make even the smallest of purchases online. Then you’ll be able to take a look at the final figures to determine what your spending is really like and can develop ways to cut down on your expenses.

Educate Yourself on Long-Term Investments

The money that you are saving for your retirement may be put into a retirement fund as an investment. You should get educated about the different types of investments available and work with a qualified and reputable financial planner to help guide you through your different options. You should know ahead of time some of the terminology and concepts, however, before meeting with a planner.

All financial planners are not created equally and if you aren’t paying money to help get your retirement finances sorted out, the planner is making money another way. He is getting commissions from directing you to specific investment opportunities and it may be in his best interests to steer you on a different path than you should be. 

Learn more about the risk factors involved with investments and never sign on the dotted line until you’re confident about your decisions. Figure out how much risk you want to take. Many savvy individuals put some money into high-risk opportunities and put some cash into low-risk options. You need to determine what is best for you in the long run.

Learn more about your different options for preparing for retirement including cash for gold and payday loans by visiting our website now at

Buying Gold as an Investment and Cash for Gold

Many people have considered buying gold as an investment but haven’t acted on it since they haven’t found out all the details about the ins and outs of this type of investment. Many other people, on the other hand, have spent money on gold and stuck it away for future use. Others have bought this commodity and then traded it in for cash for gold. There is a lot more to investing than simply putting your funds into the stock market and gold has been a reliable and safe opportunity for many years.

Cash for Gold

When you buy gold you’ll always have the opportunity to get cash for gold when you most need it. This is one of the beauties of putting your money into this type of investment. It can be liquidated very quickly should an emergency arise and you need fast cash. There are different places and ways to sell your gold but when you are feeling the financial crunch and need money as fast as possible you can bring your precious metal into a cash for gold shop to get money on the spot.

The pandemic has taught us that we should always be prepared for uncertainty and saving money and investing in different opportunities is crucial. Buying gold gives you the certainty you need to help face the unexpected. When you know that you can get cash for gold any time, you can feel more relaxed about what the future may have in store for you.

Hedging against the Risks in the Stock Market

Gold has often been used as a hedge against the risk of stock market investments. You can also choose to invest in silver if you prefer. It’s a lot easier to make a decision to buy gold than stock since you don’t have to take a lot of complex ratio factors into account. 

Most people that invest in precious metals simply look at the ratio between the metals in terms of their trading values. For example, if the ratio of gold to silver has a value of 10 to 1 you’ll know that gold is trading at a higher value than silver is at the moment. In this scenario, gold is trading at a value 10 times higher than silver.

Another ratio to consider when buying gold is historical valuations since gold tends to follow a pattern that is predictable. The ratio that you see listed will tell you the growth potential that you may expect to see when you invest in this precious metal. While past performance can’t always tell you with 100% certainty what you can expect to make from your investment in the future, many would say that there is more predictability with gold investments than there is in the stock market. That is why so many people put some money into buying gold and then later get cash for gold.

Buying Physical Gold in the Form of Bullion

Bullion is gold in its physical form and you can buy it as either gold coins or gold bars on a bullion exchange. You’ll pay the spot price for the gold at its current value and you’ll also have to pay a service fee. If you’re interested in buying bullion you can look online for popular exchanges that sell it but be careful that you are purchasing your gold from a reliable source. There are some scam websites that are operating that offer lower service fees but don’t deliver on the gold you are purchasing. At the same time, it’s important that you are trading cash for gold at a well-established place that has a solid reputation in the field.

When you buy physical gold you’ll need to make sure that you have a very safe place to store it. If you only have a small amount you may want to consider purchasing a home safe or putting your gold in a safety deposit box. Once you need more space you’ll need to look at your options for storing gold at a facility that has been designed just for this purpose. It’s important to note, however, that many insurance policies won’t cover gold coins or bars so make sure that you talk to your insurance provider first. You’ll want to make sure that your gold is stored safely so that you can get cash for gold when you really need it.

Cash for Gold and Gold ETF

ETF stands for exchange traded funds and this is another way to purchase gold. These funds are often offered in a diversified stock group but they can also be purchased separately. This is another way to broaden your investment portfolio but if you are interested in going this route you should also buy physical gold as well. It is a lot harder to liquidate the gold ETFs than it is to bring your precious metal into a shop to get cash for gold.

You should always have a focus on how easy it will be to liquidate your funds as a part of your investment strategy. There should always be some money put away for a rainy day either as cash or as gold. It’s hard to make a lot of money when you stash cash away since the interest rates are so poor right now. This is why it is so wise to take a look at what buying physical gold would offer you and how quickly it could be liquidated in the future.

When it comes time to sell your gold, visit our website at We purchase gold on the spot in Toronto, Brampton, Guelph and other areas as well. We offer a fair and a high price for gold and you can leave with money in your pocket on the same day. We also purchase gold jewelry and other gold pieces if you have any extra laying around that you don’t want or need. When you need money fast, cash for gold can provide you with instant funds on the same day.

Payday Loans, Traditional Loans and Unique Ideas to Earn Extra Income to Pay Down Your Debts Faster

Many of us are dealing with debts and are looking for extra ways to pay them down faster. If you have borrowed some money and are looking for ways to earn an extra income, here are some unique and fun ideas to help you get some more cash into your pocket.

The income earned from a traditional job often doesn’t keep up with the rate of inflation and the expenses associated with the cost of living. For this reason, it’s estimated that 50% of the millennial workforce in the United States is currently freelancing to help make ends meet and it’s safe to assume that this percentage would be approximately the same in Canada.

Whether you have traditional loans or payday loans that you want to pay down faster, here are some ideas you may find helpful to get that extra cash you so desperately need and want.

Sell Things on Kijiji or eBay

You probably have some things in your home that you aren’t using and are just taking up space. Start posting these items on eBay or Kijiji to get some extra pocket money fast. Look around for any type of used items you have, which may include clothes, collectibles, furniture, appliances etc. This is one of the easiest ways to make fast cash to pay down your payday loans and other loans as quickly as possible.

You can also take this a step further and make a business out of it. A lot of people are taking note of what is selling quickly on these sites and looking for good deals for these items online, at garage sales and at second hand stores. You can buy these things at a low price and then turn around and sell these goods on Kijiji and eBay for a higher price. You can also make a business of helping others sell their household goods by posting listings for them and managing the inventory. You can then take a cut of the profits made by the sales.

Pet Sitting

If you’re an animal lover why not get paid to take care of cats, dogs and other animals that belong to other people? Pet owners are always looking for a reliable place to leave their special animals when they need to travel. A lot of individuals don’t want to leave their pets with a professional pet boarding place since they feel they won’t get the individual attention they deserve. Offer to take in animals at a lower price than what people would have to pay to get their pets professionally boarded and you’ll find that you’ll have a lot of business on your hands.

Cash for Gold

Another way to get some extra money is to search around your home for any unwanted gold items you may have in your possession. You can turn this unwanted gold into money on the spot. Cash for gold services are an excellent way to get some money fast when you really need it. Put this money towards paying off your payday loans and traditional loans faster.

Assemble Furniture for Others

Many people are buying furniture that needs to be assembled in order to save money on their purchases. You can earn an extra bit of money by offering your services to people that aren’t handy or don’t have a lot of time on their hands to assemble this furniture by themselves. You could also learn how to mount TVs on walls to earn some extra income. You’ll be working for yourself and can formulate a flexible schedule that works for you.

Dog Walking

This is a lucrative opportunity that can be done part-time or full-time. Just about anybody can walk a dog. If you live in a neighbourhood that is filled with dogs, put up a flyer in your local area for dog walking services. You’ll find that your client list will grow over time and you could very well end up with more jobs than you can handle on your own. Use the extra money to pay off your different loans including payday loans.

Sell a Service on Fiverr

Fiverr is a unique site that allows you to offer a gig at a starting rate of $5. Just about anything can be sold on this site and there are a lot of people that are browsing through Fiverr and looking for people that can help them out with certain projects. You can offer smaller services for $5 and then upsell larger services for more.

Online Consulting and Coaching

If you are experienced in a certain field you can work as a coach or a consultant online to make extra money. Think of life coaching, financial consulting, travel advising and much more. There are many individuals that could use your help and you can earn a lot of money in many different fields by providing coaching or consulting services.

If you possess a high level of skill you may get paid by a website called JustAnswer. On this site people are willing to pay for advice in order to help them solve a problem. Some of the skills that are needed most on this website include car mechanics, lawyers, financial advisors etc.

You can also tutor students on Skype all over the world. If you are good at a particular subject and have good qualifications in the area, you can consider offering your services. You can also offer to teach others a second language. All of these online coaching and consulting projects can be done anywhere in the world as long as you have access to the Internet.

While the other ideas above are a great way to earn money, when you need cash in your pocket today, cash for gold Toronto can give it to you now. Find out more about this service at

Inspiring Money-Saving Tips and Cheque Cashing

When it comes to saving money, there are always new tools and tricks we can learn about. Budgeting is not the same as saving money but it can definitely lead you on the right road to growing your savings substantially. Here are some unique money-saving tips that you may not have thought of before including cheque cashing. When you’re serious about saving money and want to get started with your best foot forward, these are the tips you’ll need to know.

Understand What You Saving For

There’s an old saying “the devil’s in the details” and this is so true when it comes to setting up a budget and saving money. We can get caught up in our day-to-day lives and focus on the little things while ignoring the big picture. You can even lose track of what you’re saving up for! It’s time to examine your future in terms of a bigger picture and then from that aspect you’ll be able to drill down and fill in the smaller details.

What exactly are you saving for? Do you want to have money set aside for an emergency? Are you saving up for your retirement? Do you have plans to buy a new house or condo in the future? Perhaps you are simply saving up for your next vacation. No matter what the goal is for your savings, you must remember it and keep it as a top priority. This is how you will continue to stay motivated as you build up a nice savings nest.

Save Money with Cheque Cashing Services 

Here is a unique money-saving tip that you may not have considered before with cheque cashing. How much are you paying in fees for your current chequing account with your bank? Do you understand all of the hidden fees and service charges? Most of these are written in small print and you only see the details for these fees when you first sign up for your account.

If you’re like most people you aren’t writing a lot of cheques these days but are holding onto your chequing account for the few times when you need it. Instead of paying monthly charges you can use cheque cashing services instead. If you only have a few cheques to cash you may find that you’ll save quite a bit of money by getting rid of your current bank chequing account and using these services instead. 

Saving up for an Emergency

In order to determine how much you should save up for an emergency you should consider how much time you want to have covered should an unexpected event come up. In most cases it’s wise to save for 3 to 6 months’ worth of expenditures.

The nice thing about saving up for an emergency is there is an ending point to it. Once you have the dollar amount figured out it can remain pretty much a constant that you can aim for. Once you’ve saved up enough money you can start putting the money that you would usually put into your emergency fund into another savings plan.

The best thing you can do to save up for an emergency is decide on a percentage that you can devote to this goal. For instance, if you were able to put away 5% of your regular earnings every month, the fund would start to grow. You can also add in 5% for unexpected money that you receive for doing odd jobs, such as birthday or Christmas presents etc. Remember too that family members that give you money for a holiday may give it to you in the form of a cheque and you can cash it using cheque cashing services.

Save on Grocery Shopping

How much money are you spending on groceries per month? For most people, this is a big part of their monthly expenses. There is usually some way to cut back on your spending and it all starts with looking at how you are shopping and what you are buying.

For this money-saving tip it’s important to really confront your grocery shopping habits. For the first month you should just concentrate on keeping notes on everything you buy. This would include anything purchased at a convenience store including coffees and the food you buy at a restaurant. You might be amazed to see how much extra you are spending outside of your regular grocery store visits.

Once you have done this you can take a look at how you can save money on groceries. Instead of following general grocery saving advice, you can make up your own plan based on your own personal spending habits.

Cash for Gold to Boost Your Savings

If you have any extra gold that you don’t use in the form of jewelry you can bring it in to a cheque cashing store to get cash for gold. It’s fast, easy, and you’ll leave with extra money on the same day that can be deposited right into your savings funds.

Payday Loans for Short-Term Loans

If you need money in a hurry or you have been thinking about taking out a long-term loan with a bank, you may want to consider payday loans instead. You’ll have to pay back the loan when you receive your next pay but you won’t be locked into a long-term loan. Payday loans can give you the help you need without incurring debt over a long period of time. The less debt you have, the more money you can put into savings.

Stay Motivated

Keep your eyes on your goals so that you always continue to save. If you are stashing away money at home, make sure that your goal is written down in the place where you are putting the money. If you are saving the funds in a bank account, give the account a name that is associated with your overall goal. Some people put up Post-it Notes on their bathroom mirrors as a constant reminder of their big picture goals.

Whether you use cheque cashing services, cash for gold or payday loans to help you save, you’ll find that you’ll be well on your way to building up your savings funds. Learn more about these types of services now by visiting

6 Top Benefits of Using Cheque Cashing Services

If you haven’t used a cheque cashing service before you may be wondering why so many people use these services day in and day out. There are many reasons why a person may visit a cheque cashing store and we will outline them for you here. We will also let you know what the benefits are of using this type of service versus cashing cheques through a traditional banking institution.

Are Cheques Still Being Used?

In this day and age where digital payments have become commonplace, you may be thinking that not many people are still using cheques for payments. They actually still are. There are thousands of cheques being run through the cheque cashing systems at the banks on any given day. Major corporations are still using cheques to pay employees when a direct deposit isn’t available. The person next door that needs his grass mowed may prefer to pay you with a cheque instead of cash.

The Benefits of Using a Service for Cheque Cashing

Here are some of the top benefits of using a cheque cashing service and the reasons why people are choosing to cash their cheques at facilities that offer this type of service.

Get Your Money on the Spot

At a traditional bank or financial institution you usually have to wait at least 5 business days for the cheque to clear before you can receive your funds. There are a lot of people that are living from paycheque to paycheque these days and need instant access to their money. Waiting for the funds to clear just isn’t an option for many individuals.

When you want to get your money on the spot, you can do it with cheque cashing services. You won’t have to wait for days for the money to clear and you’ll walk out with instant cash in your pocket. You have worked hard for your money and don’t deserve to have to wait to get it. When money is required to pay a bill, pay the rent or to buy necessities or even a luxury item, you may need to get that money immediately.

You Don’t Need to Have a Bank Chequing Account

The costs and fees associated with having a bank chequing account continue to grow year after year. If you take a look at how much you have to pay monthly to keep this type of account and then multiply this fee by 12, you’ll see how much you are paying each year to keep the account open. If you are cashing a large volume of cheques, it may be worth the amount you’re paying. If, on the other hand, you are only cashing a small amount of cheques, you would often be better off using cheque cashing services instead. As an added benefit, the cheque will be cashed right away for you.

Easy to Find

Many banks are shutting down their smaller branches in an effort to save money. This has been especially true during the pandemic when many branches closed their doors during the lockdown. Cheque cashing service facilities, however, remained open for your convenience. They are easy to find and the odds are good that you’ll be able to visit one that is close to your home or your place of employment.

When you don’t have easy access to a bank and don’t want to have your funds held, think of cheque cashing services as a viable alternative.

Transparent Policies

Stores that offer cheque cashing services must display any associated fees clearly and operate with transparent policies. This is not the same case for banking institutions since penalties and fees are often hidden in their advertisements. You’ll need to look for the fine print in order to see exactly what the policies are for your chequing account.

Most people don’t know how much they would have to pay for a bounced cheque, overdraft fees, insufficient funds etc. A person can easily pay more in penalty fees when they have a bank chequing account than they would if they were using a cheque cashing Brampton service instead.

Personal Cheque Cashing Services

Stop being treated like a number at a bank and enjoy a personalized service that has been designed with you in mind. At Money Direct we are dedicated to serving the community with the best possible services available. When you want a different, more personalized service than what you would find in a traditional banking institution, think of our cheque-cashing services first.

One-Stop Financial Services

We also offer a wide range of other financial services for your convenience. Our services include: 

  • Cheque cashing
  • Cash for gold
  • Payday loans
  • Bill payments
  • Prepaid cards
  • Money transfers

Our cash for gold program allows you to bring in your unwanted and unused gold jewelry and convert it into instant cash on the spot. Many people have gold pieces that they don’t want and this is a great way to get fast cash when you need it the most. Our payday loans program allows you to take out an instant short-term loan that can be repaid when you receive your next paycheque. There is no need to have a good credit history to qualify for this loan. You just need to prove that you can pay it back by showing us that you are employed and receive a regular paycheque.

If you need to make bill payments we can do that for you too and we also offer prepaid cards that you can use to make purchases. You determine how much money you want to put on the card and then you can start shopping using the card either on the Internet or in person at a shop. Prepaid cards are accepted in the same way as credit cards are.

We are a one-stop shop for all your financial needs. Visit our website now at to find the closest location to you. You can also browse through our list of services and look for helpful financial advice on our blog.

Your Guide to Payday Loans and Other Loan Types

In Canada, there is a wide variety of personal loans available and the best one for you will all depend on your own circumstances. Some loans you may not qualify for if your credit history is bad or if you haven’t had the chance to develop a credit file yet. The loan types available in and across Canada include the following:

  • Payday loans
  • Secured personal loans
  • Unsecured personal loans 
  • Guarantor loans
  • Consolidation loans

Read more about these different loan types to determine which one would be best for you.

Payday Loans

A payday loan is a short-term loan that is often taken out when a person has an emergency to deal with. Sometimes things come up and for one reason or another you may not be able to make your rent payment or you may find yourself in a situation where your phone is going to be disabled if you don’t come up with a payment soon. In most cases the money will be available to you within a 24-hour period to help you get back on your feet quickly.

You will need to pay back the money when you receive your next paycheck, however, so you’ll need to budget wisely. There is a higher interest rate associated with payday loans but if you’re dealing with a critical issue, you won’t worry so much about paying a higher rate of interest. You may be focusing on the financial crisis at hand and just need some help to get you by for the next couple of weeks.

If you are interested in payday loans Toronto and don’t have a good credit history, you don’t have to worry. The payday loans company will not look into your credit file to determine whether you will be accepted for a loan. The major requirement that needs to be fulfilled is you must be able to show that you have regular income coming in and will be able to pay back the loan in a relatively short amount of time.

Secured Personal Loans

This is another type of loan that does not require a great credit score in order to qualify for it. With this type of loan you’ll have to provide the loaning institution with an asset that acts as collateral to back the loan. This gives lenders the feeling of extra security when they are loaning out the money and in many cases you may find that the interest rates are lower than usual with secured personal loans.

These are longer-term loans than payday loans and you’ll be required to pay back the money in monthly instalments. There is a risk, however, with taking out a loan that is secured. If you put your vehicle, home or another big asset up as collateral, it can be collected by the lender if you fail to make your payments. It’s best to really take a look at all of your options before putting something extremely valuable on the line for a loan.

Unsecured Personal Loans

An unsecured personal loan is often harder to obtain. The financial institution will want to take a look at your credit score to make sure that everything is in order. They will also want to see that you have regular income coming in and the person that is dealing with your application will also want to determine that you don’t already have too much debt.

Since the loan is unsecured you can usually expect to pay a higher amount of interest than you would for a secured loan but less than you would have to pay with payday loans. There are many different banks, credit unions and other lending companies that offer unsecured loans either in person or on the Internet. If you are applying for a loan online, however, make sure that you have looked into the company that you are working with before disclosing any of your personal data. There are scanning websites set up that say they are offering low interest loans to just about anybody and they are really just trying to get a hold of your personal information.

Guarantor Loans

If you don’t qualify for a personal loan and have a poor credit rating and don’t have anything of value that you can offer up as collateral, you may want to consider getting a guarantor loan. In this situation, somebody will cosign for the loan for you. The cosigner must have a good credit score and be able to prove that he will be able to make the payments for you should you default on the loan.

This is also a risky situation since many friendships and families have been broken apart by this type of loan. It should only be considered as a last resort. Should an emergency occur and you can’t make your payments for any reason, the person that cosigned for the loan will have to pay it off in its entirety.

Consolidation Loans

These loans can be used if you’ve gone into heavy debt with credit cards or other high interest loans and need a way to pay them back without having to pay premium rates of interest. Once again, it can be difficult to qualify for this loan type since you have already proven that you have already had a hard time managing debt.

An Alternate Solution – Cash for Gold

If any of the above loan types don’t work for you, you may also want to consider a cash for gold alternative. This is not a type of loan but if you have any gold in your home you can cash it in and get money in your pocket on the same day. This is very similar to payday loans but with cash for gold you don’t need to have a provable income. All you need to do is walk in with your gold and then walk out with the money you have received as a payment.

With so many loan types available, it’s important to find out everything you can before applying for one. Learn more about payday loans and cash for gold now by visiting our website at

When You Need Money and You Need It Now! Payday Loans

There are certain times in life when you need money and you need it now. Emergencies can come up at any time and it’s not always possible to be prepared for them ahead of time. This is especially true during the pandemic and these uncertain times. Fortunately, there are ways to get instant cash on the spot when you need it the most. Some of these include the following:

  • Cheque Cashing 
  • Payday Loans 
  • Sell Gold Jewellery 

Any of these 3 methods give you the opportunity to get cash on the spot when you need money right away. When times get tough, you need to fight back and take control of the situation one way or another.

Payday Loans 

Payday loans are an exceptional solution to help manage your monetary emergencies. Whether you have bills that are overdue or unexpected expenses that have come up suddenly, payday loans Toronto may be the best answer for your troubles.

You only need to meet a few requirements in order to get approval for this type of loan. There is no check required of your credit history so if you have bad credit or no credit history it won’t make a difference regarding an approval. As long as you have a steady paycheque coming in and can show proof of that, there is a very good chance that you will get approved for a payday loan on the same day you apply. If you apply later in the day or during the evening hours, there is the possibility that you may have to wait until the next morning to find out about the status of your loan application.

This is a quick process and it won’t take a lot of effort or time on your part to submit any necessary paperwork. When you compare this to conventional loans that you can get at Canadian banking institutions, you can see that the process is a lot faster and easier. In many cases you will have to wait a week or 2 to hear back from the bank regarding your loan application. During this time the emergency may be worsening. When you need fast cash to handle a situation, think of payday loans Toronto first.

Payday Loans Repayments

These are short-term loans that you’ll need to repay once you get your next paycheque. You must keep this in mind and budget your money accordingly so that you’ll have enough cash to get by once you have paid back the loan. It’s best to sit down with pen and paper and a calculator by your side to make sure that you’ll be able to repay the loan once you receive your next pay.

Fortunately, you don’t have to put down any type of collateral to take out payday loans Toronto. The steady pay you receive is enough to show that you’ll have the means to pay back the loan. The amount you’ll be approved for will all depend on the income you receive. Once you have submitted your application you’ll find out how much you have been approved for. 

Cheque Cashing

There may be times when you need to make use of cheque cashing services. These services allow you to cash a cheque on the spot without having to wait for it to clear through the bank. Many banks will hold a cheque for 5 days or longer, which means you won’t have immediate access to your hard-earned money.

When you use a cheque cashing Toronto service, however, the business will verify your cheque on the spot to make sure that the funds can be released right away. This means that when you walk into a cheque cashing facility in the GTA you will walk out with money in your pocket. 

Traditional banking systems across Canada have complex and complicated cheque verification procedures that have been put in place to protect themselves. While this is all fine and good for the bank, it isn’t the best scenario for customers. There may be times when you need access to your money immediately and you’d have to wait. Our process is much easier and we only charge a small fee for cashing your cheque immediately for you.

Sell Gold Jewellery

Another way to get instant money is to sell any old, unwanted jewelry that you may have. A lot of people have old jewelry tucked away that they haven’t worn for years and don’t plan on wearing in the future. Sometimes a person may have gold jewelry that they have completely forgotten about.

When you sell gold jewellery Toronto you’ll be given cash for it instantly. The business will test the metal to make sure that it is in fact gold and to find out how pure it is. It won’t take long for this test to be conducted.

The next step is to weigh the gold and to give you a quote for it. You’ll find that the prices we pay for gold are very competitive in today’s market. When you are having a hard time paying your bills, getting enough together for rent or just want to have some extra spending money in your pocket, you can sell gold jewellery Toronto for instant funds.

There are times when we can wait for money to arrive and other times when we need it immediately. When you use the solutions mentioned above, you’ll have access to quick cash when you need it the very most. When you can’t wait 5 days for a cheque to clear or a week or 2 to find out if you have been approved for a bank loan, think of payday loans Toronto and cheque cashing Toronto. You can also sell gold jewellery Toronto or any other gold pieces you may have for fast cash.

Learn more about our instant money solutions by visiting our website now at When you need money now, we are here to help!


If you have any questions about Money Direct products and services, please send us an email and our staff will be happy to assist. For loan application inquiries, call directly or visit any of our convenient locations across the GTA, Nova Scotia and British Columbia.


    Please fill the form for any query about franchising opportunities.