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Negative Financial Habits You must Bid Goodbye Now!

Unless you have your own money printing mill, then you certainly have finite amount of money to spend on a monthly basis. And regardless of what your intentions are, still you’ll end up facing financial challenges, especially if you have poor habits for financial management. These negative habits might potentially trigger unnecessary problems in the long run.

Impulse Buying

Among the poor financial habits that many of us are guilty of are engaging ourselves to impulse buying. This is simply speaking any unplanned purchase of a service or product. Such purchase made is purely base on our emotions. Retailers and marketers are very well aware of how to use this to their advantage.

It is easy to know whether you are an impulse buyer or not. A very good example is when you don’t want to miss out any sales or promotions that your favorite shop or store has. You quickly jump to buying without rationally thinking how it would impact you both personally and financially.

Fortunately, it is not too late to fix this. To avoid it, first thing to do is to recognize your actions. Example, if you reach for a particular item at checkout, try to contain yourself from doing any additional actions in the moment. Think whether you have spare cash to spend for that item and if you actually need that.

An Alternative to Impulse Buying

This gives you time to thoroughly think of everything and the chance to realize that you do not need it. Instead of impulse buying, why not try investing it in the financial market? This is basically a better alternative for here, there’s a chance that you can grow your money. This is true that there are many tools that can help even average Joe like you to do that such as using mt4 indicators and the likes.

Poor or no Budgeting

Here’s something that you have to bear in mind; without budgeting and sticking to it, it’ll almost be impossible to financially stay afloat. Budgeting is extremely important for it lets you see how much money you are actually making and where does all the money goes. It makes it possible to do the necessary changes that can assist in increasing your savings while avoiding to spend beyond what you can afford on a monthly basis.

Budgeting shouldn’t be a difficult task. You may utilize an envelope budgeting system where you put money aside to systematically pay bills.

Be Ready When the Covid-19 Crisis is Over

Keep in mind that once the Covid-19 crisis is over, extraordinary financial challenges will bear down upon us upon the resumption of economic activities.

Although the government will pump us with financial aid to see us through during the shelter-in-place orders, they came from federal reserve funds that have to be recovered in due time by way of taxes. The more pressing issues though will be the assortment of bills that we were allowed to defer payment, because many of us lost our regular sources of income while staying sheltered-in-place.

Remember, the amounts due are not going away for good, although interests and penalty charges may have been forgiven. They are obligations that remain payable and due at the soonest time possible, once the economic activities start rolling and the financial stresses start tolling on affected businesses.

Still, as Scott Hannah, President of Credit Counselling Society advises, part of one’s undertaking to manage money and financial obligations, is to keep our physical and mental health sound and intact. That is very true during this time of health crisis, when a novel coronavirus is spreading like wildfire across countries.

Rather than listen and pay heed to public speeches that give false hopes in order to boost the health of the economy, listen to health experts instead because they are more concerned with the general public’s health and safety.

Practical Money Management Tips to Take During the Ongoing Covid-19 Crisis

Start looking and applying for financial assistance and relief offers for which you are eligible. As of the moment, millions have already sent in applications.

Although it may seem that you have excess money, set them aside. You might be forgetting that most of the excess funds are money that you ordinarily use to pay for utilities, house rental, mortgage payments and/or other household bills for which collection efforts have been temporarily deferred.

Aim to reduce spending instead of splurging on unnecessary expenses in case a windfall like advance bonuses or tax refund claims come your way,. Most online businesses will ramp up their marketing strategies with limited offers of great price slash downs, free shipping, or upgraded services. Although you can be easily enticed to indulge as a way to chase away your shelter-in-place blues, try not to be overwhelmed by every offer.

To help you in your resolve to curb expenses during the Covid-19 crisis, it would be best to create a shelter-in-place budget to serve as your financial guideline. Using a spreadsheet or a page of your current budget ledger notebook, itemize and list down the expenses that you are currently incurring or paying for, while sheltered in place. Compare them against expenses you ordinarily incur and pay for during normal times.

Take note as to which expense you overspent, and from which expenditure, you yielded savings. Doing this will give you a clear basis for deciding which expenses need curbing, in order to increase the money that you have so far saved.

Check if the credit card companies allowing you to defer payments, are also waiving interests and penalty charges due for that period. If you really cannot pay them at the moment, you are at least aware that your future credit card billing after the Covid-19 crisis, will be much higher. The next best step for you to take is to refrain from using your credit card during the crisis, whilst try limiting the amount of any additional credit purchases you make


If at worst you incurred substantial medical bills as a result of the Covid-19 epidemic, which will surely lead to bankruptcy, it would be wise to get in touch with a bankruptcy attorney san diego residents would recommend

Do Not Sell Your Shares of Stock Out of Fear

The corona virus spiked at the the global economy. It hit so hard that the stock exchanges in America, Germany, and Asia are going on a downward turn. Financial expert points out what retail traders must do now – and what they must not do.

Warren Buffett on coronavirus fears: I won’t be selling stocks

Share price rates are dropping, oil has started to become more affordable, and the value of gold is soaring. The corona pandemic strike financial markets all over the world at the start of the week. Because of the likely implications of the virus, the IMF (International Monetary Fund) has recently modified its progress predictions for China as well as the whole global economy downhill.

Additionally there is a feeling of turmoil on the German stock exchange at this time. After having a short recovery, the primary index Dax momentarily dropped to its minimum. More and more retail investors wonder what to do.

Must they sell their stocks? Should they invest their funds in gold seeing that it’s a safer investment?

Many financial experts advise that you keep calm. Do not sell your shares just because you fear the worse. Small investors should certainly not panic. Selling at this time would mean an error.

Despite the fact that price ranges dropped not long ago, the Dax continues to be at a high point level. “We remain quite a distance from a market wreck”.

Managing Your Cannabis Business Money

Using the electronic payment method, lots of today’s businesses got their earnings. Modern businesses that operate through a “cash-only” option generally fail. With this, even the cannabis industry is not exempted. However, due to strict funding bank regulations, the cannabis businesses are transacting on a cash basis. Moreover, with the growing rate of the cannabis industry, payment methods to manage your cannabis business money are suddenly become widely available.

Bank Account Options as Alternative Money Management

To set-up a bank account helpful for your cannabis business is never been easy. Because of the federal legalization issue, bank operations for rendering services on cannabis business face numbers of challenges. To be able to avoid that, you must understand financial planning and the steps on money management.

The monster of federal banks and money laundering

The usual trend on bank funding is that the federal banks turn away business the moment they found out that it is a cannabis-related one. The reason for this is primarily due to money laundering act once deposits from cannabis establishments are received.

National banks and credit unions

One option is to go to national banks and credit unions for funding purpose. But, the prospects may depend primarily by state.

Zodaka is a banking company that develop various connections having a goal of combining merchants together with cannabis banks that really comply.

It is already easy for now to seek for bank accounts that offer stability for cannabis funding. The only way to do is to be prepared in paying high fees in every deposit.

Other Methods for Managing Cannabis Business Money

Electronic payment is the most common and convenient way for cannabis business transaction. Yet, in case you do not have other choice, here are some cash-basis solutions and other payment options.


This generally heightened the cost of your cannabis business operation due to additional security fees. Moreover, in the cannabis industry, cash is inconvenient for its customers. The reason for this is because marijuana stocks belong to those industries that really requires cash.

Overseas accounts

Overseas account is usually pretty perfect for those cannabis firms that allows the use of credit cards. Further, this account demands for revolving financial reserve that should be maintained in the merchant account.


The structure of every crypto is really special. And due to that, no one of each crypto have sufficient info to proved their effectiveness. However, the challenge with cryptocurrency lies behind the establishment of the technology and the cryptocurrency they are made off.

How Proper Budgeting Keeps Your Business Alive?

Business that has no budget planned is only catapulting itself to hosts of financial problems in the future. This is true regardless of the size and age of a business. Conversely enough, businesses that have short and long term objectives are likely to succeed. It is for the reason that they have detailed business plan and has a guideline for seeing new opportunities and reaching financial success.

What Benefits Budgeting Brings?

Budgeting for a business comes with expenditures and debt obligations. In here, it is accountable for a number of things such as:

  • Mortgage or rent
  • Utilities
  • Lines of credit
  • Loans
  • Professional services
  • Vendor accounts
  • Payroll
  • Insurance
  • Advertising
  • Purchasing obligations
  • IT services

Of course, there are several more that has to be accounted for but the abovementioned are oftentimes the most important.

Just try imagining the probable cause in the event that a business fails to meet even just one of its financial obligations – all because they have poor budget planning. Not being able to meet the payroll creates a negative impression among employees. This could even give them reason to leave the company. Not having insurance makes the company vulnerable to liability and failing to pay rent could result to an imminent eviction. As you see, it is a ripple effect. All of it was because one hasn’t been met due to poor budgeting.

Consequences of Poor Planning

Business that does not know where the money comes or goes hampers its ability to make the most of available investment opportunities, expand or make long-term commitments among its clients or suppliers. Moreover, it can potentially lose its existing business if ever unforeseeable events happen such as delayed shipment of goods, power being turned off and the likes.

Failing to have a financial record organized may mean the denial of purchase of equipment, operating loans, ability to make bids on government contracts and so on.

So why do Budgeting?

With carefully planned business budget, it lets them to monitor where the money goes. This enables long-term and strategic planning for everything. Besides, being able to know where the budget is at allows business to invest in new product line, set profit goals and hire new staffs.

Of course, there are other benefits included as well such as the potential to attract new investors, chance of opening new line of credit, easier tax preparation, have better decisions about benefits, bonuses, salaries, overhead operating expenses and the likes. It doesn’t matter where you get your funds from be it from your lawsuit loans, savings and whatnot; having a budget is a must!

Three Financial Tips For Fresh Graduates

Congratulations! You have graduated, after all these years you can finally call yourself a graduate student. In fact, real-life is only just beginning, you will stand more on your own feet and hopefully generate a steady income. So before you run out of spending budget or borrow unnecessarily from quick loan lenders, we are happy to give you our tips to make good financial planning.

8 Things You Should Invest In When You Graduate College

1. Make a budget overview after you graduate

First and foremost we advise you to make a clear overview of the cash flows that flow in and out. The period of receiving weekly or monthly pocket money from the parents has unfortunately ended and now you will have to pay more attention to your expenses once you have graduated. It is important to put some money aside for any emergencies.

In addition, you must take the following into account. After you graduate, you will continue as a non-student / starter and you will have to pay higher rents in a large city and pay more for public transport. Your meals will probably be more expensive than in the beloved student restaurant and you will see many other discounts pass you by (such as printed matter, laptop, hostels, sights, etc.). If you still have debts from during your student years, try to pay them back as quickly as possible.

2. Consider your pension

Retiring may seem like a long way off if you are just starting work, but the sooner you start saving for this, the better.

There are 3 types or pillars of pensions in Belgium. The first pillar is the statutory pension that is provided by the government as a basis for preventing poverty among the elderly. The supplementary pension is then paid on top of the statutory pension. This is built up by your employer while you work. Finally, you can save for an individually accrued pension, on the one hand by saving on your pension and thus qualifying for a tax benefit of 30% (+ municipal tax), and on the other by, for example, investing your money in a diversified way on the stock market (through investment funds) and in this way build up a good return.

If you choose to open a pension savings account with a bank, you transfer an amount each year to the bank’s pension fund, which then invests in shares and bonds. If you opt for a pension savings insurance with an insurance company, you will receive a guaranteed minimum return and possibly a profit bonus if the investment results of the insurer turn out well.

3. Request a new credit card

Whereas in the past you were only eligible for a specific credit card for young people or a credit card that your parents guaranteed, it is now possible to obtain a full credit card on your own with possibly more benefits, insurance or guarantees. However, you can still use most cards in the first years of your career. From the moment you reach a certain age, extra costs are often charged.

The range of credit cards is still unknown to many young people. There are, however, different types of credit cards that can offer a range of benefits. You can use our comparison tool for free to find out which card suits you best. As with any financial product, it is very important to carefully check the conditions of each card.

It is certain that many changes will occur when you have just graduated and started working, but you must prepare yourself well and prepare a clear plan. This way you can fully focus on your first job and sleep on both ears!

Financial Planning And Steps for Money Management
A well financial future, about how to manage and plan making money. Study about money management and financial planning techniques to have better finances.