Auto title loans, or car title loans, have earned a bad rap due to high interest rates and the possibility of car repossession due to payment defaults. While these concerns are valid and may even make this type of loan sound like a bad idea, the truth is that auto title loans are just like any other loan product with its set of advantages and disadvantages. If you know how to make this loan product work for you, then you need to worry about losing your car and enjoy its benefits.
The Lowdown on Extreme Couponing
Extreme couponing, made popular by the TLC show called as such, sounds like an absolutely fabulous way to stock up on groceries without having to break the bank. In fact, there are plenty of episodes showing Robes de balextreme couponers going home with hundreds, even thousands, of dollars worth of goodies without having to pay a single cent.
If you think about it though, with such huge savings, why is it that extreme couponing isn’t as widespread as it should be? After all, it seems that using discount coupons to
Robes de bal courte pay for everything is the way to go if your aim is to save money when grocery shopping.
What Does It Take to Avail of a Title Loan?
People these days can get the funds they desire when they’re short of money by applying for various types of loans. Those who need immediate cash, from a minimum of say $100, to pay for an urgent need can apply for a personal loan or a title loan.
Title loans are those that require collateral and they come in different types. It all depends on the title or document you have available.
This type of loan is popular among consumers owing to the fact that it does not consider an applicant’s credit rating and loan approval is done quickly. Loan amounts granted by a title pawn company can vary from as low as $100 to thousands of dollars while the maximum amount a person can avail of normally depends on the type of collateral submitted.
It should be understood that availing of this kind of loan does not necessarily involve possession of an applicant’s property such as a vehicle or any other physical object. These days, many lenders only get hold of the title or document that provides proof of ownership of a valuable property or asset. The only important requirement is the submission of a clear title with no financing obligations or liens on the vehicle. [Read more…]
Three Tips for Beating Lifestyle Inflation
People often assume that getting a substantial raise will help ease their financial burden. Unfortunately, once the raise arrives, these very same people often find themselves still struggling to make ends meet; living from pay check to pay check. Puzzled over their predicament, they end up working longer hours to make even more money, not realizing the real source of the problem.
<img src="http://www.froodee.com/wp-content/uploads/2011/10/empty-wallet-sad-face1.jpg" alt="Sad face of a man Gaine & robes de mariée colonne
with empty wallet” width=”500″ height=”500″ align=”center” />
The scenario described above is a perfect example of what is called lifestyle inflation, a phenomenon wherein your living expenses increase due to an upgrade in lifestyle as your income increases. The funny thing about lifestyle inflation is that, just like the inflation of goods and commodities, it creeps up on unexpectedly until it hits you right where it hurts most – your pockets. Unless you are aware of the ways to beat this source of financial drain and resolve to address the issue, you will undoubtedly end up among the countless victims of lifestyle inflation.
To help you beat lifestyle inflation (and remind myself of the things I already know but should be doing more!), here are three things to remember:
Start keeping track of your budget – Proper budgeting will do your finances a lot more good at this very moment than a theoretical raise would. Even more Robes de bal importantly, once you do get some extra cash, you will have learned to keep track of your expenses so you don’t up overspending on things you don’t need. A lot of people figure that just keeping a mental tab of their expenses is good enough, which is a huge mistake because it often is not. Aside from listing down your weekly/monthly budget, keep track of your actual expenses to see exactly where your money ?????? ?????? is going and which areas you are overspending on and should cut back on.
Don’t count your chickens before they hatch – Optimism is a good thing, but when it comes to finances it is better to be conservative. Don’t rely on the money you don’t have right now to tide you over in the future. That means not purchasing things on credit and saving up for wants before going out shopping instead. This also mean being wise about big purchases such as cars and homes by making sure that you buy only what you can afford right now. If you can’t afford the mortgage payments on your current income, but expect that you can in a year’s time after you get a raise, then just put off the purchase or get a more affordable home.
Learn to say NO – One of the areas that can fast drain your finances is money that go out to other people, whether as gifts or as personal loans. While helping those in need is definitely a virtue, you need to learn how to say no before it becomes too much of a burden. Just because you earn more than people around you doesn’t mean that everyone should depend on you for hand outs. Learn to distinguish when you can give, when you should, and when saying no is the right course. Remember, in the end you can give only when you yourself have something to give. If you must, just keep your raise a secret. This way you won’t even have to worry about having people approach you for loans, and so be able to more freely give to those who you see are in need when you know you can (or should).
Image credit: Cayusa
5 Ways To Be A Responsible Shopper
In the current global recession, for many people, shopping is a bitter sweet experience. At once an enjoyable and nail biting activity, shopping for recreation has once again become an issue as families struggle with month to month finances. Here are five tips to have fun shopping while still being responsible.
1. Only buy what you set out for
One of the best tips we can give you is to identify what you are going shopping for before you leave the house. Don’t just go shopping for shopping’s sake because this will cause you to buy things your family does not need. Instead, have a list and stick to it.