Payday Lenders May Support High School Prom Purchases

Parents and students planning the annual school prom often take out cash advance loans from payday lenders in order to afford prom items such as a dress, tuxedo, jewelry, shoes, makeup, flowers, photographs and transportation. With a little thought, budgeting and planning ahead for this big event can save you quite a bit of money while ensuring your high school student has memories of a lifetime. Here are some things to consider in the process of planning this big night:

* Plan ahead for the purchase of tickets- Tickets for prom night may cost between $70 and $100. That expense can be managed if the money is saved up ahead of time. It is one prom item that is not negotiable and is usually due before the actual event.

* Getting the right prom dress- The dress you choose for the school prom need not be brand new. A good option for getting the right dress is to ask family members or friends if they already have something you can borrow. The dress you are looking for may set you back $150 to $400 on the conservative side. Most formal dresses are often not re-worn so someone you know may have just what you are looking for. If that is not an option and you have to purchase a dress, consider buying a dress that is ready-to-wear. One that can be worn at other functions even after the prom. Vintage dresses are popular so searching thrift stores and discount outlets may provide you with a unique dress for the prom. All these options can makes it unnecessary to seek a loan from online payday lenders.

* Shopping for a tuxedo- If you cannot borrow a tuxedo from a friend or family member, you will need to shop around at tuxedo stores and compare prices. Make sure that tuxedo accessories are also included in the rental which may range from $75 to $100. Accessories include shoes, belt, vest or cummerbund, shirt and the tuxedo.

* Doing hair, makeup, nails and accessories- Going to a professional stylist to have hair, nails and makeup done for the prom can set you back quite a bit. Friends and relatives can do your makeup and nails as well as style your hair to save money. Accessories can be borrowed as well. Taking out a cash advance for these items may not be wise for your budget.

* Renting a limo- Renting a limo is usually the traditional way to provide transportation for the prom. However, rates are high and rental companies usually request a minimum rental period of about 4 hours. The limo rental may easily cost $400. That expense can be avoided if creative planning is done where a group of friends split the cost of the limo or party bus.

* Order flowers early- Corsages and boutonnieres should be ordered up to three weeks ahead of prom. These can cost from $30 to $75. To save on cost, inexpensive carnations can be chosen for the arrangements.

* Photos- This is one area in which you can save a great deal of money by simply using your own digital camera and having someone you know take the pictures. Professional photographers are usually very expensive.

With so many way to save money, borrowing from online cash advance payday lenders may not be necessary if you follow the tips above as well as create a budget that you know you can handle.

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