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Does Money Really Buy Happiness? 10 Things Money Can’t Buy

by Advance Financial | July 5th, 2016


It’s the age-old question. Does money buy happiness? Some studies have shown that if spent the right way, money can in fact buy happiness, but the notion that having more money leads to more happiness is not always the case. Don’t get us wrong, having to stress until payday definitely doesn’t contribute to someone’s happiness. Money may be the answer to happiness related to materialistic things or less stress because of financial stability, but there are certain things in life that money can’t buy. Here is a list of 10 things that are very valued, yet no amount of money can buy them.



Money will definitely bring friends, but true and loyal friendships can’t be bought. A good friend can at times be a life necessity. There through the good times and the bad times, an honest, trusting relationship with someone is something to cherish and hold on to.

“ A friend is one that knows you as you are, understands where you have been, accepts where you have been, accepts what you have become, and still gently allows you to grow.”

–William Shakespeare


work ethic

Being a hard and diligent worker will not only set you on the path to moving up that corporate ladder, but it is also a major reputation builder. Those with a good work ethic are respected and trusted by their peers. It’s a very valuable asset in life and shows true character in a person.

“Opportunity is missed by most because it is dressed in overalls and looks like work.”

–Thomas Edison



All you need is love. Love is one of the most powerful and strong emotions that contribute to ones happiness. To love and to be loved is not just something that is wanted by individuals but is needed by all.

“Love cures people, both the ones who give it and the ones who receive it.”

– Dr. Karl Menninger



You can spend thousands on a college education at one the most prestigious schools, but when it comes to real-world experiences you can’t pay a dime for it. You have to put yourself in situations to gain relevant and real life experience. Wisdom is attained by succeeding and failing throughout life, which is exactly what gaining experience is all about.

“ The only source of knowledge is experience.”

– Albert Einstein


peace of mind

Some things in life are beyond our control and being able to cope with unexpected downfalls and not letting them affect our mental state negatively is having peace of mind. Peace of mind gives us freedom from stress and greatly contributes to our overall happiness.

“Promise yourself to be so strong that nothing can disturb your peace of mind.”

–Christian D. Larson



Heard of the saying, “time is money?” Well once its gone, you can’t buy it back. Time is a valuable thing because everyday that passes is one less day you have on this earth. What you chose to do with your time contributes tremendously to being a happy or unhappy person.

“Time is what we want most, but what we use worst.” –William Penn



It’s all about perspective. Positivity can go a long way to creating a happy state of mind and it’s not something you can just pick up at the grocery store. Being a positive person not only spreads good vibes to your peers, but also contributes to lowering your stress level.

“ We can complain because rose bushes have thorns, or rejoice because thorn bushes have roses.”

– Abraham Lincoln



A good reputation is gained by your actions not by your bank account. Though you may get a reputation because you have money, having a good reputation comes down to a person’s character and how their interactions on a daily basis affect others negatively or positively.

“Its takes many good deeds to build a good reputation, and only one bad one to lose it.”

–Benjamin Franklin



Don’t get a talent confused with a skill. You can pay to learn a skill, but a talent is something that comes naturally. Talents come in many forms, and everyone’s talents are not the same, which makes them a thing of value. How you use your talents can greatly define your happiness.

“Doing easily what others find difficult is talent; Doing what is impossible with talent is genius.”

–Henri Frederic Amiel



Putting in the time and effort and successfully completing a goal or task is one of the best feelings in the world. Unfortunately you can’t bottle that feeling and sell it. It takes good old-fashioned work to create the satisfying feeling of finishing something.

“Much of the stress that people feel doesn’t come from having too much to do. It comes from not finishing what they’ve started. “

–David Allen

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Small Changes that will Make You a Happier Person

by Advance Financial | June 23rd, 2016


True happiness-Is it not what everyone in life is after? If you view happiness as something that some just naturally have and others do not, then you are looking at this emotion completely wrong. Happiness is a feeling that needs to be nurtured. Everyone deserves to have it, yet you have to make a concise decision to strive for it. Though there are those individuals who are just naturally happier, attaining a greater sense of this emotion and achieving the title of “a happy person” can be done with these simple changes in your life.

Do what you love, love what you do

Is the only thing getting you through the day the anticipation of payday? Make sure the line of work you’re in matches up with things you enjoy doing. If you enjoy math, work in finances. If you’re a people person and enjoy helping others, work in retail or as a customer service rep. You want to be able to look forward to the activities you do everyday and not be counting down the hours till it’s over.

Smile often

Multiple studies have shown that just the act of smiling, whether it be sincere or not, can actually cause one to feel happier. Try to occasionally smile while driving to work everyday and see if your mood is improved.

Start exercising

It has been proven that daily physical activity lowers the risk of depression and anxiety. And don’t think that you now have to get a gym membership and become a fitness junkie. Just simply taking a light jog or walk for 10 minutes a day is all it takes to improve ones happiness and health.

Get adequate sleep

No matter how much you love your job and the people you work with, if you’re tired throughout the day it’s going to affect your mood. Getting 7 to 9 hours of sleep each night will dramatically increase your chances of being happy. That’s 7 to 9 hours ofgood sleep as well. To help fall into a deep sleep, try to avoid using any mobile devices like tablets or smartphones 30 minutes before hitting the sack.

Spend time with the ones you love

Life is short, so spend it with the ones you love. Love is a strong emotion that is directly intertwined with happiness. Make a conscious effort to start spending more quality time with friends and family.

Get some fresh air

Staying cooped up all day is bound to make anyone go crazy eventually. And with television and the use of smart phones and other devices, you might not even realize how much of your free time is actually spent indoors. Spending more time outside and being exposed to healthy amounts of sunlight has been scientifically proven to trigger endorphins that create the feeling of happiness. Try taking your lunch breaks outside if possible and sitting on a porch or balcony when relaxing after a hard days work. Taking a hike on your day off is another excellent idea, which encompasses both exercise and being outdoors.


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Easy Tips to Save Up for Vacation

by Advance Financial | June 21st, 2016


It’s officially summer! Time to start planning for a much needed break from the day-to-day hustle. Whether you’re dreaming of relaxing on a beach or hitting up some theme parks with the kids, if your finances are low then dreaming is all you’ll be doing. Getting the money to make that dream vacation a reality can be done with some of these easy money saving tips to incorporate in your daily life.

And if you’ve saved as much as possible but still need a little extra, Advance Financial can help you get the cash needed. Get approved for our FLEX Loan fast by applying here –


Trade fun now for fun later

Cut out any monthly subscriptions or memberships that you can go without until you save up enough for the trip. This can be magazines, cable TV, streaming services like Hulu and Netflix, or even gym memberships and kids lessons like dance or karate. You can even downgrade on some items instead of completely cutting them out. And remember, it’s just temporary. Once you get the money saved up you can go right back to all of them.

Eat out less

You can read multiple articles on how to save money, and we guarantee that they all will say to eat out less. That’s because eating out adds up fast, especially if you have kids. And don’t think that just because you are eating out less means you have to cook every night. While, yes, you will be spending more time prepping meals, you also can take advantage of the convenience and price of frozen dinners.

Travel during off-season

You can save big money by simply going on vacation during the off-season when there are fewer people traveling. Hotels, airfare, resorts and cruises will all be substantially cheaper based on the time of year and destination. Make sure and research when the peak season is for your destination and plan accordingly. Something to note is that most traveling expenses will increase around holidays like July 4th due to so many people getting extra days off.

Make an accurate budget

Try to get as detailed as possible when it comes to every expense and cost for the vacation you are planning. Once you know exactly how much you need, you then can set a monthly savings goal. Having an actual dollar amount you’re working towards will also help to get motivated and disciplined at obtaining your goal. It’s also a good idea to set up a separate savings account specifically for your vacation. This way it’s easier to see progress.

Avoid the grocery store

Just one week a month. Obviously if you stop eating out your going to need to buy groceries, but a lot of times we can over stock our pantry. Try going one week eating whatever is in your cupboards and not spending anything at the grocery store or on eating out. It might be tricky and you’re going to have to get creative on making meals, but you will be surprised how much you will actually save.

 Use a prepaid card for everything

Instead of using your debit card, use an Advance Financial NetSpend card for everything you spend. Calculate out how much money you will need for the week and put only that amount on the card. Not only will it allow you to be more disciplined with only spending what you need to, you will also rack up rewards points that can be used for your trip. Come into one of our stores to get yours today.

Get your tax refund early

If you usually get a hefty tax refund, then you are having too much tax taken out of each paycheck. Instead of waiting until the end of the year to get the money back that you overpaid, simply re-file your w4 form with your employer so the amount taken out is more accurate to what you owe in taxes. Come payday, you will see the increase in cash, which you can transfer straight over to your vacation savings account.

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Why using a NetSpend Pre-paid Card Might be the Most Secure Way to Shop Online

by Advance Financial | May 12th, 2016


Online shopping is becoming the norm for most of us. Let’s face it, the convenience and ease of shopping while sitting on the couch can be a lot more appealing than fighting crowds and finding a parking spot at a jam-packed mall. But just like most things in life, there is always a catch. In the case of online shopping, it’s having your bank account swiped clean from online hackers. There are some third-party payment services like PayPal that allow for a more secure transaction, but not every online store has this option, and even if they do, services like PayPal are still susceptible to being hacked.

Safe and Secure

So what’s an easy solution to combat online hackers? An Advance Financial NetSpend card! The card is used just like a debit card, but it’s pre-paid so you can choose the amount you want on the card and don’t have to worry about your whole bank account being exposed online. Say you’re buying a new digital camera on Amazon for $134. Simply load that amount or a little more on the card and use it when purchasing the camera. Your bank account is safe because you used a NetSpend card and not your debit card, which is connected to your bank account. Many users take advantage of a NetSpend card for also paying bills, connecting automatic payment to there NetSpend account instead of their bank account. This is just an extra way to protect yourself from being overcharged on a service or utility bill.

 Even More Benefits

Not only does the card help keep your bank account private, it’s also a great tool to help with budgeting your finances. With a pre-paid card you can ensure you only spend an allocated amount on certain items or services like lunch for the week or clothes when shopping. And just like reward points for credit cards, The Advance Financial NetSpend card gives you cash rewards on many everyday purchases.

So if you’re an avid online shopper or just an occasional one, making sure your payments go through securely without having your account information stolen is easy when using an Advance Financial NetSpend card. Come into one of our 70+ stores open 24/7 and get your card today.

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