Wise consumers have begun to turn to smart-money alternatives to finding the necessary funds for meeting unexpected expenses when they arise. For those consumers who have found themselves juggling their monthly bills and stressing over which ones to pay first, they have found a workable solution to solving their immediate cash needs. By swapping out traditional loan lenders and meeting the new lending resources, consumers have learned about short-term, unsecured credit through short-term, unsecured credit lenders; also known as payday lenders. Having credit available when you need it quickly, has now become the “New Normal”. For many, it is the best option available to those with a recovering credit rating.  In times of emergencies and shortages, payday loans have become a real support system to a financially recuperating family.The “New Normal” also means that wise consumers have come up with creative ways to outsmart the financial roller-coaster that has driven the economy for several years. So, how far have some consumers gone to get on board with money-saving tips and a serious shopping diet.  Cutting spending to a snail’s pace by extreme couponing has become  one of the ways families are making ends meet. It also means that how much a consumer might have to borrow in case of an unexpected expense or emergency, would also decrease. In other words, it might mean that a borrower could apply for a $200.00 instead of a $500.00 payday loan in Florida when they’re in a pinch. Smart couponing is a way in which a thrifty-minded consumer combines all available coupons, store promotions, and sale prices on one purchase to save dramatically or even get the item for free. Using coupons for items already on sale, and shopping at supermarkets that offer savings cards with discounts on gasoline can be a simple way of meeting a smart-saving challenge.Another insider tip to save money so that you are able to cut down on the amount of a short term payday loan that you might need right away is to beware of the Up-Sell. Getting up-sold is a strategy of luring consumers into buying products and services in addition to the ones they originally asked for, whether they are needed or not. Such come-ons include being sold a front-end alignment when you order a new set of tires. Being up-sold puts a dent in your wallet so when you do need to find available credit for an emergency or unexpected expense such as a payday cash loan, you might not be able to cut down on the size of the loan you want. Even though consumers can opt for up to a $500.00 payday loan in Florida, it’s smart to get a second opinion before letting yourself get up-sold.  By keeping your savings, the end-result is you can apply for a smaller loan.Another way to reduce the size of a payday loan that you might need down the road is to add a ceiling fan to the rooms you use the most. Even if you have an air conditioning unit, you may still want to have a ceiling fan. It will cost less to run than the A/C unit and may be all you need on less humid and cooler days and nights. And even when it’s hot, a ceiling fan should allow you to raise the temperature on your air conditioning unit, but still be comfortable. You should remember to turn the fan off when you’re not in the room because a ceiling fan cools the body, not the air. So there is really no need to run it when no one is around. Just make sure to select the right size ceiling fan for each room. If you’ve spotted leaks in the seals around windows and doors, plug them up and you’ll keep the cool air from escaping during the hottest months. Research also shows that you can cut the cost of your utility bills by installing an electronic thermostat to reduce cooling costs by about 10 percent. Then you can raise the set temperature automatically a few degrees while you’re away at work.  Pick the right size air conditioner. It’s a good idea to measure the room’s length in feet, then multiply it by its width to get the square footage. Add 10 percent if it’s sunny, then match the square footage to the perfect A/C unit. Seal the deal and pocket the money you saved by having an effective cooling system for those sweaty, sticky days. In case of any emergencies or financial shortages, you should be able to cut down on the size of a short term payday loan because of the money you saved on cooling costs.Last but not least, consider dumping your landline from one of those major companies. Find out about what you could save by using Vonage or Magic Jack instead of the other high-end products. It pays to do some homework. Keep the savings and grow your cash cushion.