Save Money This Year by Investing in DIY Projects

While you may feel that you are not a handyman and aren’t mechanically inclined, these days you don’t have to be! It’s a brand-new world with digital data available to help you get projects done on your own quickly and easily.

When you don’t know how to do something, turn to YouTube to get the answers. There are a lot of do-it-yourself videos available for just about anything. Whether you want to try fixing something on your vehicle, want to get something done around the house or want to put together a creative craft for somebody’s birthday, the instructions are all available on the Internet.

Here are just some examples of the step-by-step instruction videos you can find on YouTube to help with your DIY projects:

  • Room painting
  • Car maintenance tasks
  • Restore your deck
  • Easy plumbing repairs
  • Home weather-stripping
  • Gardening tips
  • Haircutting
  • Budgeting
  • Debt management
  • Investing
  • Too many more to mention!

There are a lot of things that you can do on your own! The best way to learn about something is by seeing somebody else do it and there are close-up and personal YouTube videos that will show you exactly how to get things done. Best of all, you can pause these videos at any time if you have a question or simply need to do a part of a task and then get back to the video later.

Check out the different videos that are available online today! You can save a ton of money this year by investing in yourself and doing some DIY projects on your own. This is a great way to gain knowledge, boost your confidence and save money at the same time! For more fantastic money tips check out our blog.

Money Orders and Money Transfers

When you need to send money to friends or family in different countries, turn to Money Direct first. We have the facilities set up to act as an agent for Western Union so that you can receive or send money to individuals in more than 200 countries across the world. You can also use it to transfer money within Canada to friends and family members living in other cities.

Our office also provides the convenience of using Western Union Money Orders. When you need to pay specific bills and the company does not accept cheques or cash, you can use these money orders to pay the bills quickly. There are also certain conditions when a utility company will only accept a Western Union Money Order when a person has fallen behind on his payments and wants to avoid disruption of services.

Whether you have a bank account or not, it makes sense to look at the cost of money transfers first before going ahead with the service. Many banks charge outrageous fees for out of country money transfers in Hamilton in  and many individuals simply use their bank for this service without shopping around first to save money on fees. Our money transfers are one of the most efficient and cheapest way to get money sent overseas or to the United States or Mexico.

Banking fees for money transfers can be quite expensive so do your due diligence before using this type of service with your local bank. In fact, in some cases, a bank can be the most expensive provider available for an international money transfer.

Learn more about our money orders and transfers today by visiting our website at We’re here to serve you and to help you reduce your costs when you need to send money around the world.

How Long Does It Take to Process a Payday Loan?

Payday loans can be approved on the spot in many cases as long as you provide the required information. It’s very simple to apply for these loans and it can be done very quickly. There are no lengthy forms to fill out like you would have to do with a loan from a bank or another financial institution.

Bank loans often take longer than a week to be processed. During this waiting time you will have no idea whether you are going to be approved or disapproved for the loan. It’s a long waiting time especially when you are guessing about your future. When you apply for a payday loan in Toronto, you’ll know on the spot what you can plan for based on the loan amount.

Payday loans offer a convenience that cannot be found in any other type of credit loan. Everything is done quickly and you don’t have to worry about booking an appointment with a banking loan officer during business hours. You have the freedom to walk into one of our locations during our extended business hours and no appointment is necessary.

Once you have the money you’ll be able to spend it on anything you want. These types of loans are not issued for specific purposes. It is not a car or home loan that requires you to buy a certain item. The freedom is yours and you can get the cash in your pocket very quickly.

If you have any questions you would like to ask one of our knowledgeable payday loan consultants please don’t hesitate to contact us through our website at, or call your local payday loan store listed on the site based on your location or come right down to one of our service outlets to speak to someone in person. We look forward to seeing you and being a part of your financial journey through life.

Cheque Cashing Services – When You Need Money Fast and Don’t Want a Hold Put on Your Cheque

It can be frustrating to receive your pay since most banks and other financial institutions will automatically put a hold on any cheque that you deposit. In some cases, you can wait up to a week or more before you can access the money that you have received. Many people live from paycheque to paycheque and don’t want to spend time waiting for the money that they’ve earned. If this applies to you, you’re in luck. At Money Direct you can have your money right away – given to you on the spot.

When you work with us your cheque can be cleared within a few minutes. There is only a small fee required for this service and in many cases it’s well worth the small amount. When you bring your cheque into us for cashing, you’ll know that you can access your money right away.

Banks make you wait a certain amount of time since the cheque acts like a set of written instructions that are passed between 2 financial institutions. This waiting period gives both of the banks time to ensure that the payment can be covered and is made correctly. Cheques can be dishonoured for many different reasons including insufficient funds, a closed account or a fraudulent cheque.

When you need money right away and don’t want to wait for it, visit us instead. You can learn more about our check-cashing services at and there you can find a location near you. If you have any questions you will also find the phone numbers for our different locations on the site at the top of the page. We look forward to meeting you soon and answering any questions you may have about any of our services.

5 Tips to Help You Create a Budget

Writing out a budget on a monthly basis is critical for anyone that wants to get ahead of their finances and get their debts caught up. Budgeting helps you avoid wasting money on extra charges and late fees and it helps to show you how you could start saving money without having to cut out some of the major things in your life.

Budgeting should be based on both short-term and long-term goals and should be designed using the following 5 steps to ensure proper success:

  1. Add up all of your income and expenses. Take a look at how much you are bringing home, after-tax, and how much you’re spending. This is going to take a while and you may find that you’ll have to do it in sections and continue to add to it over the course of a few days. There are a lot of expenses that you may not think of right away so keep your budget a bit flexible at first while you are continuing to add on the expenses.

  2. Include everything. Small amounts can really add up so make sure that you write down everything that you are spending money on. For example, if you buy coffee every day for work and only spend two dollars on it, over the course of the month that can add up to $40 or more. When you have a few small items that add up to $40 per month, they quickly add up to more than $100.

  3. Plan for the unexpected. Don’t expect your budget to be a 100% perfect since life does happen and unexpected things will come up. Put some money aside every month that can be used to deal with unexpected situations as they occur.

  4. Reduce your expenses. Look for different ways to reduce your spending in order to pay off your debts quickly or to simply have more money in your pocket at the end of the month. There are a lot of little things you can do such as exercising at home instead of at the gym, buying things on sale, turning down the heat in your home when you’re away at work during the day, etc.

  5. Make payments on time. Make sure that you have a list of payment dates for all of your credit cards and other types of debts and always pay them on time. If you run into any type of problem, it’s best to take a look at a payday loan to make sure that your payments are made in a timely fashion so that your credit score isn’t affected.

Find out more about financial planning and short-term loans to help get you buy in a pinch by visiting our website today at

Why It’s Important to Keep on Top of Your Credit Score

In today’s world, your credit score tells the story of your reliability and how much trust a lending institution can provide to you. It’s a lot easier today than it ever was before to keep on top of your credit score to make sure that everything is fine.

It wasn’t too long ago when you would have to phone in and ask for a written copy of your credit report and wait until it was mailed out to you. Now, there are different websites available online that allow you to see your credit report and your score immediately and you can access these websites and all of the data free of charge.

When you credit score starts to go down, you need to get a handle on it immediately. What is causing your score to decline? Sometimes all it takes is a late payment on one of your credit cards to see your score go down. Maybe you missed one of your cell phone payments and it was reported to the credit bureau. By keeping a close eye on things you’ll be able to make sure that you handle all your payments on time every month without fail to keep your score as high as possible.

There are certain times when you may not be able to make a payment for one reason or another. In life an emergency may come up from time to time that you need to address right away. In these types of scenarios, you can apply for a payday loan with us to help get you through this tough spot. You’ll be able to save your credit rating this way and will be able to use the time to get caught up on your finances after the emergency.

Payday loans can help you save your credit rating by giving you just enough to make your payment or to cover your emergency. Find out more about these loans and how easy it is to apply for them by visiting our website today at or contacting your local Money Direct store.

Big City Property Prices Are Providing a Mortgage Crunch for Canada’s Young

Home prices in the larger Canadian centres such as Vancouver and Toronto are making younger people re-think the way they will approach the real estate market.
Younger couples and families are looking beyond the city borders now and are even considering averting their careers to start out in smaller cities or in satellite cities around the larger urban centres.

In Toronto, for example, the average price of a home has reached more than the million dollar mark at $1.08 million this August. In Winnipeg, however, the average price for a home is approximately only $300,000. Housing affordability across the country is extremely variable and as the prices of homes continue to rise in the urban markets, more and more young people are taking a look at all of their different options.

In the past, many young people were making their way towards the larger metropolitan centres such as New York, Vancouver and Toronto. This is where a number of jobs could be found and it was almost like a rite of passage for people that grew up in smaller cities and towns to head out to the larger cities.

Now, however, the options are more limited as young people not only consider the jobs available but also the housing market. In many cases, even with an appealing job market, the real estate scene and monthly mortgage prices are holding many people back.

It’s time to start taking a look at your options and learning more about the average price of homes in different towns, cities and other major urban centres across the country. If you are currently already in the real estate market and are having a hard time keeping up with your mortgage payments and need a short-term payday loan, please feel free to contact us today through our website at

Top Benefits of a Payday Loan

Payday loans can be a lifesaver when you find yourself in a difficult financial situation. When unexpected expenses arise out of the blue and you find yourself scrambling, a payday loan can save the day. Here are some of the main advantages of using these types of loans when you find yourself in a crunch:

Fast Money

When you provide all of the required information a payday loan can be approved very quickly. It’s a quick and simple application process and you can often get your money on the same day. If you are dealing with a bank it can take a week or longer to hear back to find out whether you have been approved or not. As well, when you need smaller amounts of money, the banks simply aren’t willing to work with you.

Simple Requirements

There are only a few simple requirements that you must meet in order to get a payday loan. As long as you have an income from a stable source that is verifiable and consistent, the odds are high that you’ll receive approval for the loan. There is no collateral required and you don’t need to earn a high amount of money to qualify.

Bad Credit

If you have found yourself struggling in the past and are dealing with bad credit, you can still get approved for a payday loan. You just need to demonstrate that you can pay it back on time. Your current working income acts as proof of the ability to pay back the money. If you have a pressing bill to pay and don’t have the funds available right now, the payday loan can get you through to your next paycheck. When you are trying to increase your credit score, you won’t want to have an unpaid bill affecting your score even further.

If you have found yourself in a situation where you need a payday loan quickly, please visit our website at to find the location nearest you.

Same Day Cash in Your Pocket for Gold

If you have any type of gold hanging around your home that you don’t want, pay us a visit at Money Direct today. We’ll give you cash in your pocket the same day for your unused gold. Selling gold is a quick and convenient way to get some cash whether you need it to pay a bill or have something special in mind you want to spend it on.

When you bring your gold into us we will inspect it to find out the quality of the gold and its value. We’ll let you know immediately how much we will offer for it and then you can make the choice whether you’d like to proceed or not. It’s a fast process and a great way to get some fast cash.

If you have broken pieces of jewelry in your home that you have always meant to get repaired but never got around to doing it, now may be the best time to simply cash them in. With the extra money you can go out and purchase a new piece of jewelry that you’ll be able to treasure in the upcoming years.

Take a look at your unwanted jewelry to find out whether you have something that could be converted to cash. If you’re like many other people, you have a stash of jewelry from days gone by that you haven’t worn in years and you no longer require.

You may be quite surprised to see how much your broken and unwanted jewelry is worth. Come in and visit us today to get a free quote. We are a trusted leader in the gold-buying industry and we look forward to answering any questions you may have.

Find out more about our locations and hours by visiting our website at We look forward to providing you with the best financial services available in the area.


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 Bristish Columbia.


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