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Payday loans are unsecured debt that do not require collateral. Instead, lenders typically require you to provide a post-dated check for the full balance or sign an ACH authorization to electronically withdraw money from your bank account. However, these loans come with very high APRs and short repayment terms, making them high-risk. Here’s what you need to know before applying.

Cutting grocery bills by a full 90% is not realistic for most households without losing quality. However, there are several strategies you can combine to reduce the costs noticeably and get as close to this number as possible. Our article provides practical steps you should take to pay less for groceries, with a realistic weekly meal plan for a family of four on a budget.