EL SEGUNDO HERALD April 8, 2021 Page 7
Help Shape the Future of Housing in El Segundo!
Join us for a Virtual Community Meeting to
Discuss the State-Required Housing Element Update
WHEN:
Tuesday, April 13, 2021
at 5:30 p.m.
WHERE:
https://zoom.us/j/93780199626
Meeting ID: 937 8019 9626
Dial In: +1 669 900 9128
ORTHOPAEDIC URGENT CARE
WALK-INS WELCOME
Monday through Friday, 9 a.m. – 6 p.m.
See one of our expert musculoskeletal specialists and
receive the care you need in a safe, clean and open
environment. We offer sanitized exam and waiting
rooms, open spaces for physical distancing and proper
protective equipment for staff and patients.
(310) 879-5317
KeckMedicine.org/sportsinjury
©2020 Keck Medicine of USC
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Finance
The Housing Element Update will help set goals, policies, and
programs to achieve the housing needs of this community.
LET YOUR VOICE BE HEARD!
For more information about the Housing Element Update process, please visit
https://www.elsegundo.org/housing-element. If you have any questions, please email us at
housingelement@elsegundo.org,or call City Staff, Paul Samaras, Principal Planner, at (310) 524-2340.
In compliance with the Americans with Disabilities Act, if you need special assistance to participate in
this meeting, please contact the City Clerk’s office at 310-524-2305. Notification 48 hours prior to the
meeting will enable the City to make reasonable arrangements to ensure accessibility to this meeting
Key Ways to Stretch Your Paycheck
(BPT) - Feel like your paycheck is gone
before your next payday? You’re not alone.
A 2020 survey, “Getting Paid in America,”
revealed that 2 out of 3 Americans are living
paycheck to paycheck.
Not only is this stressful and frustrating,
it can cause you to have fewer choices for
managing your money and be more expensive
for you in the long run. Nearly 12 percent
of U.S. households use expensive methods
like money orders, check cashers and bill
pay services to access the money they earn,
which can lead to a downward spiral of further
expense and debt.[1] And for those who
borrow money to hold them over, it may take
about five months to pay off loans, costing
an average of $520 in additional financing
charges.[2]
The good news? There are ways that can
help you stretch your dollar further, from
one paycheck to the next.
1. Go digital
If you’re not getting what you need from
your current bank or are looking to bank for
the first time, you should know that digital
banking these days is a safe, accessible and
affordable option.
2. Direct deposit = Quick
Access to Pay
Did you know you can actually access your
paycheck a day or two early? When you’ve
got bills due or need groceries before your
paycheck hits your bank, you need your
money quicker. Options like payday loans
can end up costing you hundreds in fees and
even cashing your paycheck can delay your
payday even further.
3. Plan Ahead to Avoid Fees
First, get a clear picture of where your
money is going each month - and when. On
a calendar, map out what bills are due when,
when subscriptions like Netflix will charge
you, and when you’ll be paid.
If one part of the month contains most
of the due dates, call your creditor to ask if
you can move the due date, easing the strain
on that pay period. If you can get bills paid
on time, that means fewer late fees - and a
better credit score in your future.
4. Build Savings Little by Little
Since there’s no way to be ready for every
unexpected bill or expense, you’ll have
more peace of mind if you start building an
emergency fund right away. Setting aside
even a small amount each pay period will
add up over time. You’ll thank yourself when
an emergency doesn’t plunge you into debt.
5. Start Safely Building
and Improving Credit
Having a higher credit score makes it easier
and less expensive to borrow money when
you need to - such as for a car loan or home
mortgage. Building better credit takes time,
but there are ways to do so today that will
open the door to better options tomorrow.
Taking these steps may help you get to your
next payday with a lot less stress. A little
planning and the right tools can go a long
way in helping you improve your financial
well-being for the future.
[1] How America Banks: Household Use
of Banking and Financial Services (2020,
October 19)
[2] Payday Lending in America: Who
Borrows, Where They Borrow, and Why
(2012, July) •