In the S&P 500, easy finance loans are supporting more aggressive buy-ins in sectors like semi-conductors, with Q2 EPS growth projections revised upward by 6%. Short-term trading momentum remains strong. He recommended creating a spending log, or just holding onto receipts, for several weeks to really determine your patterns of spending and thus the areas where it will be easiest to cut back. Big expenses like housing should not be more than 25% of your income. If you want to avoid the potential borrowing costs associated with the riskier loan options above, here are some alternatives to consider. Bloomberg data suggests that easy finance loans have contributed to higher price-to-earnings ratios in consumer discretionary stocks, currently averaging 19.4 compared to the historical mean of 16.