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Activehours Customer Spotlight

Velvet with FamilyVelvet with quoteA friend told me about this app. I thought it was a scam at first, too good to be true. But this app has been a tremendous help for me. 

I’m a single mom, and Activehours has come through in the clutch in so many ways. When bills are due, I can pay them instead of being cut off. I’m able to buy gas when I’m almost on empty. These days, when unexpected things happen, I’m prepared.

One time, I needed to go to urgent care and didn’t have the money for my copay. I used Activehours to help me pay for the fee. Since getting Activehours, I’m way more confident knowing that everything will be ok.     -Velvet H.

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Get Your Paycheck in Seconds with Lightning Speed

At Activehours, we want to make money work in a way that’s better for everyone. Changing the world takes time, but now, getting your money doesn’t have to. That’s because we’ve partnered with even more banks to give more members of our community their paychecks with Lightning Speed.Lightning Speed #2

Watch our Lightning Speed FAQ Youtube Video!

With Lightning Speed, when you Cash Out, your money will be in your account in seconds, instead of days – even on the weekends. Now that’s a game changer. Wanna see if your bank is now eligible?

  1. Log in to the Activehours app.
  2. Click Settings: Lightning Speed
  3. Add the debit card of the bank account that receives your paycheck.

It should take about a day to verify your card. If you already had a bank card uploaded but your Cash Outs aren’t going out with Lightning Speed, delete your card and add it again.

Still not eligible? Help us change that by tweeting at your bank:

Hey @(add your bank’s twitter handle here) I really wish you would work with @activehours Lightning Speed. #itspayday #getpaidatlightningspeed

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Activehours Customer Spotlight

Blair #paydayrebelI found Activehours while reading reviews of noteworthy apps in a tumblr blog. Yes, people still use tumblr out there. Upon reading the praised reviews on how socially conscious the start up was, I decided to try it out for myself. To be honest, I figured they were going to charge an astronomical interest rate for very little in return, but to my surprise it was the quite opposite. They operate on a donation basis, meaning whatever people can donate is what they use to keep the lights on and funds flowing! I love that.

About a month after discovering Activehours, I had a family member pass away in a freak accident. I was in the middle of my pay period with no source of money. Activehours saved me from missing this very important moment in my life, and words can’t describe how thankful I am. I was able to spend time with my family, and help them and myself through the stages of grieving.

Ever since then, I’ve been spreading the word about the app like crazy. I often refer to Activehours as the “Bernie Sanders of Lenders.” I look forward to seeing them grow beyond expectations, and I hope to be a part of the brand every step of the way as an Activehours member ^_^ #ILoveActivehours

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Activehours FAQ with Katherine

At Activehours we get a lot of questions like “Is this a loan?” “What does it mean to pay what you think is fair?” So, Katherine is here to answer some of our most frequently asked questions.

 

https://www.youtube.com/watch?v=IZBRo0JZ3XQ
aCTIVEHOURSSkip to Questions:

0:00 What is Activehours?

Activehours is an app that lets you access your money before payday.

0:08 How does Activehours make money?

Activehours is community supported so we ask our users to pay us what they think is fair. To learn more check out our blog post.

0:19 What does pay what you think is fair mean?

“Pay what you think is fair” means you have the option to throw us a couple bucks in addition to a zero dollar option.

0:31 I would spend all my money before payday:

Having access to your paycheck before payday can be exciting. You may want to go on a shopping spree. Don’t worry, that is why we have maxes. Maxes help ensure you have money on payday. We have found that Activehours has helped users manage their money better.

0:43 Why do you need my bank info?

We need to send you your earnings, verify you get paid, and debit back anything you have cashed out as well as any tips you have given us.

1:01 Is Activehours a loan?

Activehours is not a loan. We do NOT charge interests or fees. Think of Activehours like an ATM for the money you have already earned.

If you have anymore questions, you can check out our full FAQ.

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5 Ways Millennials Are Killing It In The Workforce

The world is changing and with it, the workforce is changing too.

What’s causing this seismic shift? It’s The Millennial Takeover. Millennials are the fastest growing segment in the labor force. By 2020, they are projected to be 50% of the workforce. Where Baby Boomers valued job security and structure in their careers, Millennials find fulfillment in their jobs in whole new ways.5 ways millennials

“Millennials are swiping through jobs faster than dates on Tinder.”

1. Instant Gratification

Growing up with all the knowledge of the web at their fingertips, Millennials have an expectation of getting things now. 

On demand products have proliferated industries from movie rentals, to taxis, and millennials are bringing on demand into the workforce with apps that let them get their  paycheck when they want. For this revolutionary generation, living life is all about doing it NOW.

2.Coaching

Growing up with the constant social feedback provided by apps like Instagram and Facebook, Millennials expect instant feedback on their work, and they aren’t afraid to handle trolls. 

Don’t hesitate to tell them that their customer service skills are on point. Do you think they could use some pointers on that presentation they’ve got coming up? Tell them. They want the feedback!

3.Flexibility

Millennials love a challenge, and combatting established career norms is just one of the challenges the young workforce has embraced. With that, the typical 9-5 job is officially going out of style. Millennials are on the hunt for work-life balance and flexibility is a must. That means choosing both when and where you work from day to day. 

Employers may be having a hard time adjusting to this, but on the bright side they’re guaranteed a response to that email send at 10pm.

4. Shared Values

One criticism of the millennial work ethic might be that they have less loyalty to their employers.“Millennials are swiping through jobs faster than dates on Tinder.”

However, this generation just might have the right idea. 

Young people watched older generations go through the financial crises which involved massive layoffs and pay cuts. With that, they realized that loyalty to a company isn’t such a safe bet. So, instead, they’re attracted to the employers who offer perks and who embrace the Millennial values of flexibility and work-life balance.

*Cough cough, free snacks*  *Cough, more vacation days*

5.Global Impact

Millennials aren’t just changing the world, they’re making it better and they want to work for companies that want to make the world better, too. Millennials want to work in mission-driven companies, companies that exist to make a positive impact on the world and everyone in it.” 

Millennials can inspire us all with this underlying motto: Succeed or fail, we’re all in it together.

Millennials want to work in mission-driven companies, companies that exist to make a positive impact on the world and everyone in it.”

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Dance to the Beat of Your Finances

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Money management is like a dance. Your cash flow is the band, but your bills don’t always step in time with the music.

It’s not an easy dance.

You work, and work, and work. Then you wait for the money to hit your account, like you’re waiting for a beat to drop. You budget your life and expenses around that money. You look at the bills you have to pay, calculate how much you’ll be bringing in, and hopefully arrive at a number that’s above $0. (If it’s not, you need to make more money or rein in your spending.)

Here’s the thing, though: Bills aren’t always due on the day you get paid. Like misplaced staccatos, your rent likely comes due on the 1st, your car payment may be deducted from your bank account on the 15th, and in between you have insurance and subscriptions (that you bought so you could survive canceling cable) coming out on odd dates in between.

You should know all of these dates, and account for them in your budget. But if you’re like most people and get paid every two weeks, you’re not likely getting paid on the same days every month. There’s two glorious months a year where you get three paychecks, but most months you’re dancing around due dates and paydays, trying to get them to work in concert.

It’s likely you’ve slipped a couple of times. You’ve missed a step, and had to let a bill go, resigning yourself to paying a $10 late fee. Or overdrawing your bank account, making that Netflix subscription $38 this month instead of only $8. Or hating that you’ll actually have to pay interest on your credit card balance this month because your money doesn’t come in until four days after the due date.

That kind of sucks. It’s not like you’re irresponsible; you’ve earned the money you need to pay your bills. You just don’t have access to it yet. I’d be lying if I said it had never happened to me. I’ve definitely paid a few choice late fees back when I jammed out to every-other-week paychecks.

There’s a money management app for that.

This whole dance is ridiculous. In the age of technology we live in, there’s no reason we shouldn’t be able to access the money we’ve earned without having to wait two weeks.

If you’re an hourly worker, which I was for many, many years of my adult life, there’s good news on the tech front. A new app has been developed by people who recognized this problem, and saw every reason to provide a solution. That money management app is Activehours. And it doesn’t charge fees or interest.

Activehours gives you access to the money you’ve earned when you want it. When you work, you log your hours. Then, if you know that streaming subscription is going to come out on Thursday, but you don’t get paid until Friday, you can use the app to withdraw $8 so the automatic deduction will be covered, saving you $30 or whatever your bank charges for overdraft fees. You don’t pay any interest when you use the app; the $8 will be debited when you get your paycheck— without any additional fees. Activehours is community supported, so you just give them a voluntary tip to support the app.

This money management app gives you power over your finances, enabling you to live responsibly despite only officially getting paid every two weeks. Because they believe in empowering you as a worker and a consumer, you get to pay what you think the app is worth, whether that’s $0 or a gazillion dollars.

You’ve got those moves…

Empowering yourself with your money doesn’t just keep you from tripping up; it helps you feel comfortable and secure in life so you can worry about other things, or take your money management skills to the next level. Get the tools you need to get your monthly money management under control, and then dance like nobody’s watching.

 

All content is created by and the opinion of Femme Frugality. This post contains affiliate links, which help me keep this blog running. Obviously, since this is a free app, you don’t pay anything additional when you use these links. Thank you for your support, and I can’t wait to see your money dance.

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#FeatureFriday

I’ve been using Activehours since it’s inception. I’m a single mom with 2 young kids and no family support in the area. Either way, I prefer not having to ask my family for help. Since, during my marriage, I went through a bankruptcy, Activehours has been my saving grace. I don’t have a credit card, nor can I get one. To be honest, I don’t really want one. Using Activehours has helped me be more responsible because I know I can only get money I’ve already earned, unlike a credit card. Being a single mommy is hard at times. With a single income and paying all my bills on my own, some days it comes down to living paycheck by paycheck. When emergencies happen, it’s nice to have Activehours.

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These days, I’m much better off and have developed a savings plan, which is increasing my savings weekly. Activehours is still something that keeps me afloat. It’s been a much needed relief when bills have been tight or unexpected things come my way. I would recommend this to anyone that needs a little boost every now and then. It has actually helped me to become more responsible with my finances and more prepared for those unexpected times.

-Abby Turner 

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Payday or Super Bowl Gameday?

PupFootball

There are two days that make people get up and dance with excitement:

Gameday and Payday

If someone tells you, “You can only have one or the other.” Which one would you choose? That’s a toughie. So, we did a comparison to help you decide:

FootballPaydayL.png

It’s a difficult choice. Good thing this year you don’t have to choose. With Activehours’ Lighting Pay, Gameday and Payday can be the same day.

Activehours believes money should work in a way that’s fair for people. That’s why the Activehours app lets you access your pay as your earn it- without any interest or fees.

Now, that’s what you call a Payday Gamechanger. Download the app and make today Payday.

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Why you Should Question the Pay Cycle

MustMakeIt

When did everyone decide that the payroll system should be a cycle of feast and famine? You work hard every day and your company benefits from your work every day. So, why do you wait to get your pay?

Payroll.

Companies, not workers, are the ones who set the payroll schedule. So, you may wonder why they wait so long to do payroll. The answer is simple: It’s about money.

It costs employers big bucks every time they do payroll. So, by doing it in batches, they’re saving themselves a ton of dough. Unfortunately, what’s good for employers isn’t the best for people.

In fact, it’s pretty terrible for people. Each year, over $1 trillion is held up for over two weeks in the payroll system, while people are being charged over $50 billion per year in overdraft and interest fees. $50 billion. Just in fees. That’s bonkers.

So, what does a fair payroll system look like?

ACTIVEHOURS  

It’s an app and it’s changing everything. The Activehours app wants to help people get their pay as they earn it- without fees or interest and without having to go through an employer.

If it sounds too good to be true, it’s because you’ve been living in a world where companies are more important than people. Activehours is creating balance and fairness in the financial world. It’s doing payroll the way it should be done: As you work.

Here’s how to get involved:

  1. Log in to the Activehours app
  2. Snap a pic of your electronic timesheet
  3. Cash Out

Activehours sends money to your bank account through direct deposit and retrieves the money from your pay on payday. No fees. No interest. Just a company trying to make money work in a way that’s fair. That means you choose how much you want to pay for the service. The more you give, the more the company and community thrives.
People from over 7,500 companies are already using Activehours to get their pay when they want. Join the payday revolution. #reinventpayday