Car title loans are a special type of loan that helps individuals obtain quick cash without jumping through hoops. But what happens if you obtain a loan but you don’t have the time to pick up the cash? With today’s technological advances and tools, you can even get car title loans online with direct deposit. If there was a time when instant funds were easy to get, that time is today. Online title loans Texas allow borrowers to access fast cash without even leaving their houses. Auto title loans are a secured or collateral-based type of credit loan. That means you use your vehicle’s equity to obtain the funds. And you also use your car’s title to secure the loan. That detail makes the approval process much more seamless and faster than traditional bank loans. It eliminates the part where the title loan agent must pull out your credit history and check if you qualify. That saves time for everyone, and the application process can move on quicker.  Since auto title loans are designed to assist borrowers in an emergency, we try to make the process as speedy as possible. Professional title loan companies take advantage of new technologies and faster payment methods to improve their services. By choosing a car title loan with online direct deposit, you can get your cash in a matter of hours. You can also complete the entire application process online without a store visit.  How do title loans online direct deposit work? With an online auto title loan, you can get cash and use your vehicle as collateral. If you don’t fancy driving to a physical store or you don’t have enough time, this is the perfect option for you. It starts with a simple online application, the one you can complete in a matter of minutes. After you submit the application, you can expect a title loan agent to reach out to you as soon as possible – usually on the same day you send the form. If you do qualify and get approved for a loan, then it is time to receive your cash. Typically, you would have to pay a store visit to your nearest lender to pick up the funds. With car title loans online with direct deposit, you don’t even have to leave your house. Auto title loan companies who provide this service will offer you to obtain the money electronically. The two most common options are a Wire or ACH deposit; you can choose whatever is most convenient for you. With a direct deposit, someone (in this case, the lender) issues an electronic payment that is automatically transferred to another individual’s bank account (the borrower). For this, the loan agent will ask for your banking information. You don’t have a direct deposit bank account? Don’t worry. Direct deposit accounts are relatively easy to set up. You can obtain one from your preferred bank or mobile wallet. Setting up a new account can take a few days, so you can expect to receive your money in two to three business days. But if you already have a direct deposit, title loan lenders typically transfer the funds into your bank account in a business day or less.  Requirements to apply for car title loans Auto equity loan Texas is meant to provide financial aid to cover emergencies. Will it be medical bills, unexpected expenses, buying groceries, or paying rent – a car title loan help the borrower make ends meet. On that note, we understand your need for speed and efficiency. Vehicle title loans ask for minimal requirements from the borrowers, making them easier to get approved and faster to obtain the funds. The most important requested item is a clear vehicle title; that means that there aren’t any other line-holders. You can use your car, motorcycle, or truck as collateral for the fund, but the vehicle has to be in your name. That is, your name must be on the vehicle title. Besides that, you must be of legal age and provide some government-issued ID to prove it. The lender will also request proof of a steady source of income that will assure them you can repay the loan. It can be from a regular office job or any reliable source of income. Finally, if you choose the online title loan with a direct deposit option, you must have an active bank account.  To summarise, we’ve compiled a list of the essential items you need to apply for an online title loan in Texas: Being at least 18 years old A clear, lien-free vehicle title in your name A government-issued ID and your driver’s license Proof of income An active bank account or mobile wallet Applying for title loans with direct deposit in 3 steps Just like online auto title loans ask for minimal requirements, the application process is equally easy and stress-free. You can start and finish the application from the comfort of your home – and even receive the funds without leaving the house. The steps can change from one lending company to another. But basically, these are the three steps to follow when trying to obtain an online car title loan with direct deposit:  Online application form: an agent will ask you to fill out a short form including some vital information about your car – year, model, mileage, style, and trim designation. Borrowers can do this from anywhere – their home, the office, or even while taking a walk in the park. The online application usually never takes longer than 3 minutes. With the information you provide, title loan agents will be able to give you a free loan estimate (how much money you can borrow). Approval process: once you send the loan application to the loan company, the lenders can start assessing your eligibility. If you and your vehicle qualify as candidates for a loan, you can officially start the approval process. At this step, the lender will ask you to send some relevant documents, such as the vehicle title, ID proof, source of income, etc. If you don’t feel like driving to a

A car title loan is one of the fastest ways to get money in Texas. A title loan allows you to borrow money by using your car as collateral. If you need quick money to cover a major expense or an emergency, then it is a good idea for you to get a title loan. Benefits And Features of a Title Loan There are several types of title loans that you can choose in Texas. There are different interest charges and finance charges. One of the main benefits that come along with applying for a Texas title loan is that you will be able to quickly get money. It is easy to meet the requirements that have been set by the lender. You won’t get your credit checked. There is also minimal paperwork required. You may even be able to get approved for a loan instantly. All you need is the supporting documents and a car title. Keep in mind that you will still be able to drive your car while you have your title loan. However, there is a catch to this. If you fail to make the payments, then the lender will be able to take your car. That is why it is important for you to make sure that you can make the payments before you take out this type of loan. How Do Car Title Loans Work in Texas? There are three things that you should know about title loans. You will need to know the loan amount, term length, interest rates and charges. The loan amounts can range from $100 to $5,000. The length of your loan will depend on the payment amount and the amount that you borrowed. Many lenders will allow you to customize a payment plan based on your budget. If they do not allow you to do that, then it is time for you to find another lender. After you have been approved for a loan and signed all of the documents, a lien will be placed on the vehicle. You will get your title back after you have paid back the loan. You have two options. You can either get the title back or renew the loan if you need to have more money. How to Manage Your Title Loan There are rules that everyone will have to follow when they take out a title loan. It is important to read all of the terms of your loan. This will prevent you from paying more than what you have to pay. It can also prevent from losing your car. There are federal and state regulations that can protect you from the harsh tactics that lenders sometimes try to use. However, it still pays for you to make good decisions and read the agreements. A title loan promises you that you can get easy and quick cash. However, the finance charges can cause you to get into a cycle of debt that will be hard for you to get out of. The good news is that if you know how to manage your money well, then a title loan can be a lifesaver. This is especially true if you have an emergency come up. Any type of loan that you get will come with a risk. You should consider how badly you need the money. If you need extra money to go on vacation, then you should not take a loan. It is best for you to save money instead. You should also try to find ways to build an emergency fund. This will prevent you from having to borrow money in large sums. If you want to learn about all of the title loans, then it is a good idea for you to talk to a professional.

Having bad credit can create a lot of stress, especially when you need to get a loan. If your credit is less than stellar, you can struggle to get approved for a loan. If you are approved, you may have a higher interest rate. Continue reading or you can jump to your preferred section: Understand Credit Lending Places Secured Loan Unsecured Loan Payday Loan Despite these potential setbacks, it is possible to get a loan with bad credit, and you may be able to improve your credit score as you are repaying your loan. Read on for some tips on getting a personal loan with a low credit score. Personal loans are sometimes called “bad credit loans.” These loans are designed for people with lower credit scores. You can often get a personal loan from a bank, but if the interest rates are high, you may consider other options like a credit union or an online organization. Understand Your Credit Score Before you begin to look for or apply for loans, you need to understand your credit score. Your score is basically a number that lenders can use to determine your likelihood of repaying a loan. A higher score indicates a better chance of repayment. The scores range as follows: 760-850 – Excellent 700-759 – Very good 660-699 – Fair 620-659 – Poor Scores under 620 – Extremely poor Early Steps to Getting a Loan with Bad Credit First, if you are not in an emergency situation where you need money immediately, the best route is to improve your credit score before getting a loan. Sometimes it can take less than a year to improve your score significantly. If you have the option of borrowing from a friend or family member, that is a way to get money quickly with impacting your credit score. If you have no option but to apply for a loan with a bank, it is good to set up an in-person interview. Sometimes meeting face-to-face can help a lender see that you are trustworthy instead of a computer application, which can be impersonal. Since your credit score is not the best, you will want to bring evidence that you can repay the loan when you go to your meeting. You can bring documents such as tax returns and pay stubs to show that you are receiving consistent income. You can also bring bank statements and a list of assets to show that you have money and collateral. Places That Lend to Borrowers With Bad Credit It can sometimes be challenging to get a loan through a traditional bank if you have bad credit. Many of these institutions have strict credit requirements, and branch managers are unable to make exceptions. However, there are some other places you can try for a loan. Car Title Loans If you own your vehicle, you can use the value of your car to get a title loan. Since the vehicle is used as collateral for the loan, most people — even with bad credit — can still take out a title loan. A car title loan is a type of secured loan. Credit Unions Local credit unions are usually able to work with people who have bad credit. Credit unions also have an interest cap of 18%, which is much lower than what you will get at most banks. Co-signer Sometimes it can help to have a co-signer. If you have a friend or relative with good credit who is willing to sign for you, the bank will often use their credit score instead of yours. Their score can get you better interest and terms and even help your credit score if you make timely payments. A word of caution: only get someone to cosign if you are entirely sure you can repay the loan. You could ruin his or her credit and force him or her into paying the money if you default. Your Home’s Value If you own a home with some equity in it (meaning it’s worth more than you owe), you may qualify for a home equity loan. These loans usually don’t require a high credit score and have a lower interest rate. The only issue with a home equity loan is that if you fail to pay your loan, you could lose your house. Peer-to-Peer Lenders One of the newest ways to get a loan with bad credit is through peer-to-peer (P2P) lending. There are websites where individual lenders and borrowers can go. You can request a loan, and a lender may choose to finance you. P2P lending has many advantages, including leniency with terms and interest rates and lower required credit scores. Several fully online banks have much lower credit requirements than brick-and-mortar locations. Interest rates on these loans can vary from very low to very high. You can check out some options here. Know the Difference Between Secured and Unsecured Loans Before you sign the dotted line, make sure you know whether your loan is a secured or unsecured loan. Secured Loan With a secured loan, you are usually offering some as collateral, such as a home or automobile. With these loans, the lender has something to secure the loan against you defaulting. Unsecured Loan With an unsecured loan, there is no collateral. You just sign a contract agreeing to pay the money back. Both types of loans have their pros and cons. With a secured loan, you can get lower interest rates, high lending amounts, and better terms. However, if you are unable to pay, the bank can take away whatever you used as collateral. With an insecure loan, the bank cannot take anything from you. However, you can still mess your credit up even further if you are unable to pay. A Payday Loan Is Not the Same as a Bad Credit Loan  A bad credit loan is usually through a bank, credit union or other institution that sets you up with an interest rate and a payment plan that

If you are wanting to get ahead financially, you can’t just depend on your paycheck to do it. Many people are barely getting by, living paycheck to paycheck. Then there are people who know if they are going to get anywhere, they are going to have to live below their means and start putting that money into places that it can work for them. The problem with that is that many people think they should save that money in their savings accounts, but when savings accounts typically aren’t gaining enough to keep up with inflation, the person is really fooling themselves. In about ten years, that money will have far less buying power than what it has today. So we can hardly call a savings account an investment. So What Is the Solution? There is only one way a person can make a stable plan to get ahead. They have to invest their money in something that can grow ahead of inflation. But there are good ways to invest and bad ways. How does one decide on where they should be putting their money to get the best return? A lot of this has to do with time frame and purpose, and there are some general rules that can be used to know best positioning for your finances in terms of keeping them safe. Diversify, Diversify, Diversify The first rule for keeping investments safe is diversification. Single stocks and bonds rely heavily on getting in at the right time. Because of this, people generally start with mutual funds. Investor.gov states, “There are four reasons investors choose mutual funds: Professional Management. The fund managers do the research for you. They select the securities and monitor the performance. Diversification or “Don’t put all your eggs in one basket.” Mutual funds typically invest in a range of companies and industries. This helps to lower your risk if one company fails. Affordability. Most mutual funds set a relatively low dollar amount for initial investment and subsequent purchases. Liquidity. Mutual fund investors can easily redeem their shares at any time, for the current net asset value (NAV) plus any redemption fees.” Mutual funds give much less of the knee jerk reaction for every directional shift the economy takes. Instead, it may slightly move one way or the other. It allows for the managers of those accounts to only make slight corrections rather than ones that are more drastic. Timing Is Everything Some may think that picking a conservative investment means it is going to be the safest, but this isn’t necessarily true. Aggressive and conservative just tell us how fast or slow these investments travel. If it has the ability to travel upward quickly, it also has the ability to travel downward just as quickly. So an aggressive investment is not an investment for short-term goals. This is because if it has a quick downturn, it is uncertain if there will be time to pull back up. A conservative investment is not going to travel as quickly. If it has a downturn, it should be relatively small and be able to bounce back more quickly. The problem is that its gains will also be small. So where it is a safer investment for the short term, it has issues in the long term. This is because if an investment is only growing at one-third the rate of inflation, over a ten-year period, it has actually lost a considerable amount of buying power. The money is there, but the money isn’t worth as much. The Basic Rule for Time Frame 0-1 year: savings account or money market account 1-5 years: very conservative investment, heavy on bonds, very little or no equities 5-10 years: moderate account; half bonds, half equities 10+ years: aggressive account, mostly or all equities Kent Thune gives a more detailed breakdown of this in his article “3 Mutual Fund Portfolio Examples for 3 Types of Investors” Again, some will ask how an aggressive account can be safe. The history of the market has never been in decline more than three years in a row, and our economy has continually seen increase over the long term. Because this is the case, an aggressive mix should be viewed as safer than conservative for a long-term investment. The Roth IRA One factor with timing is making sure it is where you can get your hands on it when you need to. If it is strictly for a long way off, having it in a tax-qualified account isn’t a bad idea. But since you can’t touch those accounts without a penalty until you are 59 and 1/2, it may not be the best if you think you will ever need it for any reason. There is, however, one exception. The Roth IRA is a special tool to use when placing investments. This is because it has the ability to be used for a long-term tax-qualified investment, but if you ever run into a tight spot, you are able to pull out the principle that you put in. So if you have invested $20,000 into your Roth IRA, You are able to pull out that $20,000 without penalty. You just can’t touch the growth. There are also special stipulations that can be used to pull out a percentage to be used for educational or first-time home buyer situations. Think Mutual Fund, Think Safe There are no guarantees with investing; it does take some risk. Nobody can time the market, and that is what most people are concerned about. So to take the guess work out and simply rely on the rules of time frame and purpose, mutual funds will be the safest place for you to invest. And contact us today if you want a Texas title loan online or an Austin auto title loan . We are here to help with your finances.

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data=”%7B%22o%22%3A%7B%22gen%22%3A%7B%22ffsys-disabled%22%3A%220%22%2C%22ffsys-info%22%3A%22%7B%7D%22%2C%22xs%22%3A%2212%22%2C%22sm%22%3A%22unset%22%2C%22md%22%3A%2212%22%2C%22lg%22%3A%22unset%22%2C%22is-centered%22%3A%220%22%2C%22is-bg-clipped%22%3A%220%22%2C%22xs-last%22%3A%22no%22%2C%22sm-last%22%3A%22unset%22%2C%22md-last%22%3A%22unset%22%2C%22lg-last%22%3A%22unset%22%2C%22xs-offset%22%3A%22unset%22%2C%22sm-offset%22%3A%22unset%22%2C%22md-offset%22%3A%22unset%22%2C%22lg-offset%22%3A%22unset%22%2C%22xs-pull%22%3A%22unset%22%2C%22sm-pull%22%3A%22unset%22%2C%22md-pull%22%3A%22unset%22%2C%22lg-pull%22%3A%22unset%22%2C%22xs-push%22%3A%22unset%22%2C%22sm-push%22%3A%22unset%22%2C%22md-push%22%3A%22unset%22%2C%22lg-push%22%3A%22unset%22%2C%22xs-overlap%22%3A%22no%22%2C%22sm-overlap%22%3A%22unset%22%2C%22md-overlap%22%3A%22unset%22%2C%22lg-overlap%22%3A%22unset%22%7D%7D%7D”][ffb_paragraph_2 unique_id=”1p64tc4u” data=”%7B%22o%22%3A%7B%22gen%22%3A%7B%22ffsys-disabled%22%3A%220%22%2C%22ffsys-info%22%3A%22%7B%7D%22%2C%22text-is-richtext%22%3A%221%22%2C%22align%22%3A%22text-left%22%2C%22align-sm%22%3A%22%22%2C%22align-md%22%3A%22%22%2C%22align-lg%22%3A%22%22%7D%7D%7D”][ffb_param route=”o gen text”] Thinking like a billionaire won’t necessarily raise your net worth to a billion, but it does put you on track to become wealthy and successful. Fortunately, today’s technology makes it easy to study the habits and behavioral patterns of a billionaire to be able to dissect what they do so effectively that allows them to achieve such feats. To help you reshape your way of thinking to align with a billionaire’s, here are seven tips to do just that: Think Big Picture Billionaires are big picture people; they don’t sweat the small stuff because, in the grand scheme of things, they know it is infinitely insignificant to what they are trying to achieve. With this mindset, they can identify opportunities even from unfortunate situations and disadvantageous positions. On the other hand, the mediocre and those that end up living from paycheck to paycheck are only able to see as far as their next TV set purchase or their night-out of town with friends. If you want to become a billionaire or at least think like one, start thinking big. Boil it Down to Basics Elon Musk, who has spearheaded not just one, but three multi-million dollar companies including SpaceX, Tesla, and PayPal repeat this advice numerous times in his interviews. Boiling down the problem into its most basic form leaves you with only the absolute truths to work with. Oftentimes, problems are clouded by unnecessary ambiguity. People have the knack for complicating things, sometimes with the sole purpose of making it seem like only they can do what they do. If you can identify a problem and strip it of its bells and whistles, you can easily come up with solutions to problems. Take Care of Yourself Billionaires, like Bill Gates and Warren Buffett, are smart enough to know that, to be able to perform at their optimal levels every day, they must take care of themselves. That means getting six to eight hours of sleep per day, eating a well-balanced diet, and exercising regularly are highly essential. In the quest to increase wealth and social status, many aspiring billionaires sacrifice their health to work longer hours, skipping meals and losing sleep in the process. According to a report by the Mirror, it has been found that getting less than six hours of sleep every day can increase your risk of dying by as much as 12 percent compared to someone who gets a full eight hours of sleep. If you want to live long enough to become wealthy and be able to spend that accumulated wealth, take care of yourself. Start Your Own Business Billionaires are not born to work for others, at least not for the rest of their lives. While there are a few billionaires who started off as employees, they eventually moved on to owning their own company. Start a small business in a field you are experienced in and is passionate about. Whether it’s agriculture, eCommerce, or animal welfare, your small business should reflect who you are as a person and what you care about most. When starting a small business, planning is key and will go a long way. Plan your customer acquisition channels as well as your sales model. These two are perhaps the most important parts of any business plan and is something that angel investors and venture capitalists will want to see when you pitch to them. Treat People as an Asset People are the most abundant asset in the planet. Use them as a resource to delegate tasks, acquire knowledge, and reach a wider audience. It sounds awful, but people are key to succeeding in your entrepreneurial ventures. As the old adage goes – no man is an island. If you decide to go at it alone, it will take you a much longer time to achieve the things you plan on achieving or, worse, not achieve them at all. Billionaires surround themselves with other people who can help them, either through their far-reaching connections, deep pockets, or even just their uplifting personalities. Acknowledge Failure Successful people including billionaires acknowledge failure and almost embrace it. And while they do everything in their power to prepare for such event, they never shy away from it. Billionaires have developed this mindset that allows them to get hit by failures and yet still keep soldiering on. They know that, even if they fail 100 times, they only need to succeed once to achieve the fame and fortune they seek. Mind Cash Flow Wealthy people are able to accumulate and maintain massive amounts of wealth through sound cash flow management and budgeting practices. Each purchase is vetted, every investment carefully monitored, and every risk precisely calculated. They know that, even with huge amounts of money, it only takes one financial mistake to burn through their coffers and go bankrupt. Getting the right accountant to manage your business finances is the first step to ensuring your cash flow is running smoothly. These professionals can help you make informed decisions about where to allocate resources as well as how to file taxes come tax season. Learning how to think like a billionaire will take time. It’s not an overnight process. Nonetheless, the mind can be melded into thinking like the one percenters of the world. By changing the way you think, you can effectively alter your actions as well as output. [/ffb_param][/ffb_paragraph_2][/ffb_column_1][/ffb_section_0]

Avoid These Common Money Mistakes and Take Control of Your Finances Money makes the world go around or so we are told. For most of us it is something that we have to spend an amazing amount of mental energy focusing on. We are always concerned that our money will be fleeting and leave us just as soon as it has come around. Scarcity is also a major concern that many of us must deal with as well. When the money is not there to pay for any of the basics, then we are in real trouble. Today we want to take a look at some terrible money mistakes that you may be making and what you can do to avoid the same outcomes going forward. Hopefully by the end of this you will have a better understanding of some of the common pitfalls that many of us make with money and how you can recognize those before they consume your life. Not Having An Emergency Fund Always living paycheck to paycheck is a terrible way to struggle through life. A lot of people think that they have no choice but to do this, but that is not the truth either. There are choices that we all make along the way that lead us either towards wise financial choices or poor ones. We are the drivers of those vehicles. One of the first things to do is establish an emergency fund. This is a pre-set amount of money that you will need to have set aside for when an unplanned emergency expense arises. Financial gurus such as Dave Ramsey tend to recommend in the neighborhood of one-thousand dollars as a good place to start with an emergency fund, but you can adjust that for your own needs. This is enough money that securing a financial emergency is something that you could do if the need arose. Not Understanding Debt Do you know the difference between good and bad debt? Believe it or not, there is one. There are some terrible types of debt such as credit cards and payday loans. These debts contain very high interest rates and do not contribute towards the consumer’s wealth in any way. In fact, they are big negatives on the opportunity to build wealth as more and more of that potential is sucked away in the form of interest payments to those credit cards or payday loans. Good types of debt would be things that help you build wealth over time. Think of student loans or a mortgage in this category. Those are good types of debt because they are moving towards something that will increase your wealth over time. Your mortgage contributes to a bigger bottom line for you, and your student loans obviously are good in the sense that they help you obtain a college degree which puts you on track for bigger and better things going forward. Delaying Until Tomorrow What Could Be Done Today Why do we all have a tendency to want to delay things that we do particularly feel like doing? Perhaps it is just a human thing that is impossible to get past, but it does seem like a lot of us are experts at delaying the things that are not so fun while we embrace with full force the things that are. Unfortunately, many fun things also have a price tag attached to them. As such, it is expensive to always put the things that we need to get done on the back burner. Instead, we should focus on taking care of our business now so that we can have a fun time later. Not Thinking About The Future As human beings we often plan things out in our minds in a way that only focuses on the near future. We do not necessarily spend the time that we ought to thinking about how the more distant future is also important. We don’t like to think about saving for retirement when there is a big shinny television that we want to purchase today. That is the paradox of trying to be a good steward of the money that we have to take care of right now. It is hard to break this cycle other than to have a frank conversation with ourselves about our priorities and which priorities are really being served when we behave in certain ways. Then and only then can we actually start to make some progress on our overall goals. Not Looking For Bargains A quick and easy way to save some money from time to time is simply to look for bargains. If you are legitimately shopping for things that you actually need and not just wants, then you should be able to find some bargains out there. Put another way, do not give up on looking for deals just because you don’t feel like looking. There is potentially a lot of money on the table for you to save if you get serious about looking for those deals and making them yours. Once you have done that, then you are actually taking steps to do better with your money like getting a car title loan in Texas. It is a long and winding road for most of to reach a more peaceful financial life. The important thing to remember is that you are not in it alone and that you can make changes for the better if you choose to do so. [/ffb_param][/ffb_paragraph_2][/ffb_column_1][/ffb_section_0]

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data=”%7B%22o%22%3A%7B%22gen%22%3A%7B%22ffsys-disabled%22%3A%220%22%2C%22ffsys-info%22%3A%22%7B%7D%22%2C%22text-is-richtext%22%3A%220%22%2C%22tag%22%3A%22h1%22%2C%22align%22%3A%22text-center%22%2C%22align-sm%22%3A%22%22%2C%22align-md%22%3A%22%22%2C%22align-lg%22%3A%22%22%7D%7D%7D”][ffb_param route=”o gen text”]Getting A Remote Job Is Easier Than It Sounds[/ffb_param][/ffb_heading_2][/ffb_column_1][/ffb_section_0][ffb_section_0 unique_id=”23kolfbf” data=”%7B%22o%22%3A%7B%22gen%22%3A%7B%22ffsys-disabled%22%3A0%2C%22ffsys-info%22%3A%22%7B%7D%22%2C%22type%22%3A%22fg-container-large%22%2C%22no-padding%22%3A0%2C%22no-gutter%22%3A0%2C%22gutter-size%22%3A%22%22%2C%22match-col%22%3A0%2C%22force-fullwidth%22%3A0%7D%7D%7D”][ffb_column_1 unique_id=”23kolfbg” 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data=”%7B%22o%22%3A%7B%22gen%22%3A%7B%22ffsys-disabled%22%3A%220%22%2C%22ffsys-info%22%3A%22%7B%7D%22%2C%22xs%22%3A%2212%22%2C%22sm%22%3A%22unset%22%2C%22md%22%3A%2212%22%2C%22lg%22%3A%22unset%22%2C%22is-centered%22%3A%220%22%2C%22is-bg-clipped%22%3A%220%22%2C%22xs-last%22%3A%22no%22%2C%22sm-last%22%3A%22unset%22%2C%22md-last%22%3A%22unset%22%2C%22lg-last%22%3A%22unset%22%2C%22xs-offset%22%3A%22unset%22%2C%22sm-offset%22%3A%22unset%22%2C%22md-offset%22%3A%22unset%22%2C%22lg-offset%22%3A%22unset%22%2C%22xs-pull%22%3A%22unset%22%2C%22sm-pull%22%3A%22unset%22%2C%22md-pull%22%3A%22unset%22%2C%22lg-pull%22%3A%22unset%22%2C%22xs-push%22%3A%22unset%22%2C%22sm-push%22%3A%22unset%22%2C%22md-push%22%3A%22unset%22%2C%22lg-push%22%3A%22unset%22%2C%22xs-overlap%22%3A%22no%22%2C%22sm-overlap%22%3A%22unset%22%2C%22md-overlap%22%3A%22unset%22%2C%22lg-overlap%22%3A%22unset%22%7D%7D%7D”][ffb_paragraph_2 unique_id=”23kom9d1″ data=”%7B%22o%22%3A%7B%22gen%22%3A%7B%22ffsys-disabled%22%3A%220%22%2C%22ffsys-info%22%3A%22%7B%7D%22%2C%22text-is-richtext%22%3A%221%22%2C%22align%22%3A%22text-left%22%2C%22align-sm%22%3A%22%22%2C%22align-md%22%3A%22%22%2C%22align-lg%22%3A%22%22%7D%7D%7D”][ffb_param route=”o gen text”] Men, women and college students may be looking for ways to earn extra money. Depending on other jobs they may have, working outside the home as they try to earn more money may not be an option. This leaves work-from-home jobs, or freelance work. Upwork Upwork is a website that helps companies and individuals to hire freelancers who are looking for additional work. At this company, the freelancer can complete a wide range of work for their clients: Writing Proofreading/editing Website development Mobile development Graphic design Textbroker This website is another good resource for someone looking for extra earning opportunities. Textbroker articles are more often similar to the language used in press releases. That is, they highlight a company’s strong points and services. Writers can expect to write in topics such as: Health Automobiles Children and Families Politics Press Releases Law Hobbies Travel Weddings Finance Writers wanting to improve their money management habits can get a head start by earning a few extra dollars a week here. Speaking of “finance” as a topic, the right writers could actually make a few dollars writing about the latest money craze: Decentralized currency, which is any topic having to do with nontraditional funds, such as bitcoin or ethereum. While this trend is still new, people should learn as much as possible about this topic. FreelanceMom Writers providing copy for FreelanceMom are more likely to be women who have families—although this is not a requirement. However, having this experience will certainly help a writer here to enrich her articles with more experience and authority. This site looks for case studies as well as individual stories about parenting from a mom’s perspective. The website has specific submission guidelines that are spelled out on the website page. Originality, actionable advice and tips are must-haves. A “20-to-30-minute action plan” is also required. This can take the form of tools, questions to consider or “how-to” steps. The site pays between $75 and $100 for each submission that is accepted for publication. Cooking Detective Foodies, product review writers and food bloggers should seriously consider writing for Cooking Detective. The site, as its name suggests, is strongly related to cooking. This includes: Cooking products Courses Tips to use How-to guides Expert round-ups Product reviews Healthy Living Health-related articles are posted on this site. Healthy Living reviews each submission and strives to notify authors that their articles will be published. Writers find out within six business days whether their work has been accepted. One non-negotiable item: Every article must be completely original and exclusive to the site. Once published, each article is the property of Healthy Living and articles will be edited at the discretion of the site’s editors. Upworthy At Upworthy, stories that offer hope for a better world are accepted. Writers wishing to be published here are required to pitch their article’s topic. Editors want to see shareable, surprising, visual or meaningful stories—those that lodge in readers’ hearts and minds. Each story should be less than 500 words, but Unworthy is open to longer works. Rates for articles of this length are “fair,” but not made public. The author also gets paid bonuses for distribution and traffic. Funds For Writers This site accepts submissions that fall between 500 and 600 words. Each newsletter features one short article that quickly makes its point. Because the newsletter’s main focus is on contests, awards, markets and grants for writers, this is necessary. Writers should choose every word carefully, weeding out passive voice. The guidelines ask for a beginning, middle and end to each submission. Every topic should be about earning a living as a writer. Desired topics include: how to win writing contests breaking into a specific market success stories with ideas how to develop an income by writing success stories on winning grants unique writing markets profitable writing-related business practices humor and a happy ending Links to writing markets earns an article an extra look. Text-speak is heavily discouraged. Writing in all caps is not allowed. Include a bio and an introduction. Give readers tips they can use. A writer with an online presence is highly preferred. Good English and grammar are highly desired. Stay within word counts. Refinery 29 Refinery 29 (R29) actively seeks men and women who are experts in a range of topics. Those who are may become regular Refinery 29 contributors. Some topics found on the site: Extreme bargain shopping College students who want to write about campus style and life with roommates Residents of South Korea who are obsessed with beauty, makeup trends, K-Pop phenomenon and skin-care tips Refinery 29 states that it brings the most surprising pieces of advice and the latest news to its readers. The Freelancer by Contently This website is strongly writing contractor-related, with articles that show readers/writers how to successfully land a subsequent assignment from a new client, ideas about impressing editors and even articles that target writers in specific niches, such as the law or education. Freelancers would do well to sign up to receive The Freelancer in their inboxes. Every e-newsletter is loaded with information. Cosmopolitan Cosmopolitan is also “Cosmo.” Its website posts a page where would-be contributors can provide their information for possible submission. Each freelance article earns $100 for its writer. The webform is easy to navigate and fill out. Writers can submit their articles directly in this form, then email it. [/ffb_param][/ffb_paragraph_2][/ffb_column_1][/ffb_section_0]

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data=”%7B%22o%22%3A%7B%22gen%22%3A%7B%22ffsys-disabled%22%3A%220%22%2C%22ffsys-info%22%3A%22%7B%7D%22%2C%22text-is-richtext%22%3A%220%22%2C%22tag%22%3A%22h1%22%2C%22align%22%3A%22text-left%22%2C%22align-sm%22%3A%22%22%2C%22align-md%22%3A%22%22%2C%22align-lg%22%3A%22%22%7D%2C%22clrs%22%3A%7B%22text-color%22%3A%22%22%2C%22font-size%22%3A%2240px%22%2C%22font-size-md%22%3A%2270px%22%7D%7D%7D”][ffb_param route=”o gen text”]10 Ways to Secure Your Financial Emergency[/ffb_param][/ffb_heading_2][/ffb_column_1][/ffb_section_0][ffb_section_0 unique_id=”1p64sjj9″ data=”%7B%22o%22%3A%7B%22gen%22%3A%7B%22ffsys-disabled%22%3A0%2C%22ffsys-info%22%3A%22%7B%7D%22%2C%22type%22%3A%22fg-container-large%22%2C%22no-padding%22%3A0%2C%22no-gutter%22%3A0%2C%22gutter-size%22%3A%22%22%2C%22match-col%22%3A0%2C%22force-fullwidth%22%3A0%7D%7D%7D”][ffb_column_1 unique_id=”1p64sjja” 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data=”%7B%22o%22%3A%7B%22gen%22%3A%7B%22ffsys-disabled%22%3A%220%22%2C%22ffsys-info%22%3A%22%7B%7D%22%2C%22xs%22%3A%2212%22%2C%22sm%22%3A%22unset%22%2C%22md%22%3A%2212%22%2C%22lg%22%3A%22unset%22%2C%22is-centered%22%3A%220%22%2C%22is-bg-clipped%22%3A%220%22%2C%22xs-last%22%3A%22no%22%2C%22sm-last%22%3A%22unset%22%2C%22md-last%22%3A%22unset%22%2C%22lg-last%22%3A%22unset%22%2C%22xs-offset%22%3A%22unset%22%2C%22sm-offset%22%3A%22unset%22%2C%22md-offset%22%3A%22unset%22%2C%22lg-offset%22%3A%22unset%22%2C%22xs-pull%22%3A%22unset%22%2C%22sm-pull%22%3A%22unset%22%2C%22md-pull%22%3A%22unset%22%2C%22lg-pull%22%3A%22unset%22%2C%22xs-push%22%3A%22unset%22%2C%22sm-push%22%3A%22unset%22%2C%22md-push%22%3A%22unset%22%2C%22lg-push%22%3A%22unset%22%2C%22xs-overlap%22%3A%22no%22%2C%22sm-overlap%22%3A%22unset%22%2C%22md-overlap%22%3A%22unset%22%2C%22lg-overlap%22%3A%22unset%22%7D%7D%7D”][ffb_paragraph_2 unique_id=”1p64tc4u” data=”%7B%22o%22%3A%7B%22gen%22%3A%7B%22ffsys-disabled%22%3A%220%22%2C%22ffsys-info%22%3A%22%7B%7D%22%2C%22text-is-richtext%22%3A%221%22%2C%22align%22%3A%22text-left%22%2C%22align-sm%22%3A%22%22%2C%22align-md%22%3A%22%22%2C%22align-lg%22%3A%22%22%7D%7D%7D”][ffb_param route=”o gen text”] Here Are 10 Ways That You Can Prepare For A Financial Emergency A financial emergency can leave you in a jam, and unfortunately, there are all kinds of issues that can crop up and cost you a big chunk of change, including: Health problems Home repairs Car issues Loss of income Pet illness If you’ve just experienced a financial emergency, here are 10 ways to deal with it. 1. Emergency Fund The best option for handling a financial emergency is definitely an emergency fund. When you’ve saved up money for any potential worst-case scenarios, you can weather the storm without going into debt. The usual recommendation for an emergency fund is to save three to six months’ worth of living expenses, but you can start with smaller milestones, such as $500 and $1,000. 2. Credit Cards A credit card is a convenient solution for a sudden emergency, and you typically won’t start accruing interest until at least 30 to 45 days after you’ve put the charge on your card. There are 0-percent annual percentage rate (APR) credit cards that can allow you to finance your emergency interest-free for an introductory period, and rewards credit cards will even earn you a return on what you spend. 3. Ask Friends or Family for Help It’s hard to ask people for help, as you need to swallow your pride to do it, but it can also be an inexpensive way to get the money you need. Your friends and family may be willing to loan you money without charging you any interest on it. Just make sure you pay them back in a timely fashion and don’t take advantage of their good nature. 4. Personal Loans There are plenty of options out there for personal loans – you could go to a bank or credit union, try an online lender or check out peer-to-peer (P2P) loans. Approval criteria vary from lender to lender, but personal loans are often available with low interest rates, making them an affordable option. 5. Title Loans If you need a fast, convenient loan option, then it’s time to look into Texas title loan lenders. All you need is a car with title in your name and no liens on it. If you meet that requirement, you’re all clear to get a title loan up to a portion of your car’s value. For Texas car title loan help, check out more of our site, including the FAQs, or click the apply link. 6. Payday Loans Payday loans are another fast loan, and this type of loan typically only requires you to have consistent income. These are short-term loans, and the most common term length is two weeks, which means they’re best for when you just need a quick financial boost. 7. Sell Some Belongings If you have some extra items that you really don’t need anymore, try selling them to raise the money you need. Craigslist is a good option for this, as are eBay, OfferUp and the many other online marketplaces out there. The only potential downside of this method is that it can take some time to sell your items. 8. Borrow from Your 401(k) If you’ve been diligently paying into a 401(k) for years, you may be able to borrow from it to pay for your emergency. This will depend on how your 401(k) is setup, but the good news is that you shouldn’t face any financial or tax penalties for doing this. 9. Get an Advance from Your Employer Like borrowing money from people you know, this also requires you to swallow your pride. It’s no fun asking your boss if they can give you an advance on your pay, but if you have a good relationship with them, it may be worth giving it a try. Most employers would be open to helping an employee in need, especially if you’ve done a good job for them. 10. Find Another Source of Income Try to think of some other avenues you have to earn quick extra cash. You could try driving people around for a Saturday night as an Uber driver, or deliver products through Postmates. Check the labor section on Craigslist, or go on freelancer sites to see if there are jobs that fit your skill set. There are many ways to get the money you need for a financial emergency. Look over the options above and see which of them best fit your situation. [/ffb_param][/ffb_paragraph_2][/ffb_column_1][/ffb_section_0]

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0.5)%22%7D%7D%7D%7D%2C%22pd-xs%22%3A%7B%22t%22%3A%22170%22%2C%22b%22%3A%22100%22%7D%7D%2C%22clrs%22%3A%7B%22text-custom-color%22%3A%22%23ffffff%22%7D%7D%7D”][ffb_column_1 unique_id=”hv3ep71″ data=”%7B%22o%22%3A%7B%22gen%22%3A%7B%22ffsys-disabled%22%3A%220%22%2C%22ffsys-info%22%3A%22%7B%7D%22%2C%22xs%22%3A%2212%22%2C%22sm%22%3A%22unset%22%2C%22md%22%3A%2212%22%2C%22lg%22%3A%22unset%22%2C%22is-centered%22%3A%220%22%2C%22is-bg-clipped%22%3A%220%22%2C%22xs-last%22%3A%22no%22%2C%22sm-last%22%3A%22unset%22%2C%22md-last%22%3A%22unset%22%2C%22lg-last%22%3A%22unset%22%2C%22xs-offset%22%3A%22unset%22%2C%22sm-offset%22%3A%22unset%22%2C%22md-offset%22%3A%22unset%22%2C%22lg-offset%22%3A%22unset%22%2C%22xs-pull%22%3A%22unset%22%2C%22sm-pull%22%3A%22unset%22%2C%22md-pull%22%3A%22unset%22%2C%22lg-pull%22%3A%22unset%22%2C%22xs-push%22%3A%22unset%22%2C%22sm-push%22%3A%22unset%22%2C%22md-push%22%3A%22unset%22%2C%22lg-push%22%3A%22unset%22%2C%22xs-overlap%22%3A%22no%22%2C%22sm-overlap%22%3A%22unset%22%2C%22md-overlap%22%3A%22unset%22%2C%22lg-overlap%22%3A%22unset%22%7D%7D%7D”][ffb_heading_2 unique_id=”qb28vsf” data=”%7B%22o%22%3A%7B%22gen%22%3A%7B%22ffsys-disabled%22%3A%220%22%2C%22ffsys-info%22%3A%22%7B%7D%22%2C%22text-is-richtext%22%3A%220%22%2C%22tag%22%3A%22h1%22%2C%22align%22%3A%22text-left%22%2C%22align-sm%22%3A%22%22%2C%22align-md%22%3A%22%22%2C%22align-lg%22%3A%22%22%7D%2C%22clrs%22%3A%7B%22text-color%22%3A%22%22%2C%22font-size%22%3A%2240px%22%2C%22font-size-md%22%3A%2270px%22%7D%7D%7D”][ffb_param route=”o gen text”]The Difference Between Good Debt and Bad Debt[/ffb_param][/ffb_heading_2][/ffb_column_1][/ffb_section_0][ffb_section_0 unique_id=”1p64sjj9″ data=”%7B%22o%22%3A%7B%22gen%22%3A%7B%22ffsys-disabled%22%3A0%2C%22ffsys-info%22%3A%22%7B%7D%22%2C%22type%22%3A%22fg-container-large%22%2C%22no-padding%22%3A0%2C%22no-gutter%22%3A0%2C%22gutter-size%22%3A%22%22%2C%22match-col%22%3A0%2C%22force-fullwidth%22%3A0%7D%7D%7D”][ffb_column_1 unique_id=”1p64sjja” 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data=”%7B%22o%22%3A%7B%22gen%22%3A%7B%22ffsys-disabled%22%3A%220%22%2C%22ffsys-info%22%3A%22%7B%7D%22%2C%22xs%22%3A%2212%22%2C%22sm%22%3A%22unset%22%2C%22md%22%3A%2212%22%2C%22lg%22%3A%22unset%22%2C%22is-centered%22%3A%220%22%2C%22is-bg-clipped%22%3A%220%22%2C%22xs-last%22%3A%22no%22%2C%22sm-last%22%3A%22unset%22%2C%22md-last%22%3A%22unset%22%2C%22lg-last%22%3A%22unset%22%2C%22xs-offset%22%3A%22unset%22%2C%22sm-offset%22%3A%22unset%22%2C%22md-offset%22%3A%22unset%22%2C%22lg-offset%22%3A%22unset%22%2C%22xs-pull%22%3A%22unset%22%2C%22sm-pull%22%3A%22unset%22%2C%22md-pull%22%3A%22unset%22%2C%22lg-pull%22%3A%22unset%22%2C%22xs-push%22%3A%22unset%22%2C%22sm-push%22%3A%22unset%22%2C%22md-push%22%3A%22unset%22%2C%22lg-push%22%3A%22unset%22%2C%22xs-overlap%22%3A%22no%22%2C%22sm-overlap%22%3A%22unset%22%2C%22md-overlap%22%3A%22unset%22%2C%22lg-overlap%22%3A%22unset%22%7D%7D%7D”][ffb_paragraph_2 unique_id=”1p64tc4u” data=”%7B%22o%22%3A%7B%22gen%22%3A%7B%22ffsys-disabled%22%3A%220%22%2C%22ffsys-info%22%3A%22%7B%7D%22%2C%22text-is-richtext%22%3A%221%22%2C%22align%22%3A%22text-left%22%2C%22align-sm%22%3A%22%22%2C%22align-md%22%3A%22%22%2C%22align-lg%22%3A%22%22%7D%7D%7D”][ffb_param route=”o gen text”] There is Good Debt and Bad Debt, Learn More About Both Here One of the more important financial concepts is that of good debt and bad debt. Debt itself is any money that you borrow and need to pay back later. This could be in the form of a loan that you pay back in installments, or it could be a revolving line of credit where you’re only required to make a minimum payment every month (although it’s always smarter to pay more than the minimum). So, how can you distinguish between whether debt is good or bad? Here’s a guide to how they differ. What Is Good Debt? Good debt is when you borrow money to purchase something, and whatever you purchase will build more value than what you pay in interest. Some of the most common types of good debt are: Mortgages Student loans The reason a mortgage would be considered good debt is because home prices tend to steadily increase and mortgage interest rates are often very low. Let’s say you put down a $60,000 down payment and borrow $240,000 over a 30-year term to buy a $300,000 home. Your mortgage has a fixed interest rate of 4 percent. You’ll end up paying $412,486.82 total for the loan with interest, plus your original $60,000 down payment. If the home is worth $550,000 after 30 years, you’ve come out over $70,000 ahead. Student loans are considered good debt for a different reason. You’re not using them to buy something that will increase in value. Instead, you’re investing in yourself and improving your earning potential. College degrees can add hundreds of thousands of dollars to your lifetime earning potential, which is why people consider them a good debt. What Is Bad Debt? Bad debt is when you borrow money to make a purchase that likely won’t offer you greater value than what you pay in interest. Here’s an example: You go to the mall and buy an $800 leather jacket using a credit card. You don’t have the money to pay off the purchase in full, and instead you pay a portion of it every month for a year. Your credit card had a 20-percent annual percentage rate (APR), and you ended up paying $160 in interest, or $960 total for the $800 jacket. This would be considered bad debt. Because you borrowed money, you ended up paying more for the product. Classifying Debt as Good and Bad Is Subjective It’s important to note that the idea of good debt and bad debt is subjective. There are those in the financial industry who don’t believe that there’s such a thing as good debt. Everyone’s definition of good debt and bad debt is a bit different. Let’s look at a vehicle loan as an example, which can be good debt or bad debt depending on who you ask. Some would argue that if you pay a vehicle loan that costs you $30,000 to buy a $25,000 car, which is only worth $15,000 by the time you finish paying that loan, then it was bad debt. That’s a valid argument. However, you could also say that the car is providing you with value every time you use it. How much do you value being able to drive anywhere you need? It will save you time by getting you to work more quickly, and that time could easily be worth a substantial amount over several years. Therefore, a vehicle loan could also be considered good debt. Another example would involve title loans in Texas. A Texas car title loan would usually be seen as bad debt. However, what if you’re getting a new one to refinance title loan Texas with a higher interest rate? In that case, the new loan is saving you some money that you would pay in interest on the old one, making it a good debt. Consider the Value You’re Getting from the Debt It’s good to avoid debt whenever you can, and that’s especially true with high-interest debt. But there are also situations where taking on debt can work in your favor. Maybe you have an opportunity to buy a home that’s set to increase in value, or perhaps you can borrow a business loan to expand your business and boost profits. Consider the potential benefits and risks of any debt, and decide for yourself whether it’s good or bad. [/ffb_param][/ffb_paragraph_2][/ffb_column_1][/ffb_section_0]

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0.5)%22%7D%7D%7D%7D%2C%22pd-xs%22%3A%7B%22t%22%3A%22170%22%2C%22b%22%3A%22100%22%7D%7D%2C%22clrs%22%3A%7B%22text-custom-color%22%3A%22%23ffffff%22%7D%7D%7D”][ffb_column_1 unique_id=”hv3ep71″ 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data=”%7B%22o%22%3A%7B%22gen%22%3A%7B%22ffsys-disabled%22%3A%220%22%2C%22ffsys-info%22%3A%22%7B%7D%22%2C%22text-is-richtext%22%3A%220%22%2C%22tag%22%3A%22h1%22%2C%22align%22%3A%22text-left%22%2C%22align-sm%22%3A%22%22%2C%22align-md%22%3A%22%22%2C%22align-lg%22%3A%22%22%7D%2C%22clrs%22%3A%7B%22text-color%22%3A%22%22%2C%22font-size%22%3A%2240px%22%2C%22font-size-md%22%3A%2270px%22%7D%7D%7D”][ffb_param route=”o gen text”]7 Steps To Manage your Money Right[/ffb_param][/ffb_heading_2][/ffb_column_1][/ffb_section_0][ffb_section_0 unique_id=”1p64sjj9″ data=”%7B%22o%22%3A%7B%22gen%22%3A%7B%22ffsys-disabled%22%3A0%2C%22ffsys-info%22%3A%22%7B%7D%22%2C%22type%22%3A%22fg-container-large%22%2C%22no-padding%22%3A0%2C%22no-gutter%22%3A0%2C%22gutter-size%22%3A%22%22%2C%22match-col%22%3A0%2C%22force-fullwidth%22%3A0%7D%7D%7D”][ffb_column_1 unique_id=”1p64sjja” 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data=”%7B%22o%22%3A%7B%22gen%22%3A%7B%22ffsys-disabled%22%3A%220%22%2C%22ffsys-info%22%3A%22%7B%7D%22%2C%22xs%22%3A%2212%22%2C%22sm%22%3A%22unset%22%2C%22md%22%3A%2212%22%2C%22lg%22%3A%22unset%22%2C%22is-centered%22%3A%220%22%2C%22is-bg-clipped%22%3A%220%22%2C%22xs-last%22%3A%22no%22%2C%22sm-last%22%3A%22unset%22%2C%22md-last%22%3A%22unset%22%2C%22lg-last%22%3A%22unset%22%2C%22xs-offset%22%3A%22unset%22%2C%22sm-offset%22%3A%22unset%22%2C%22md-offset%22%3A%22unset%22%2C%22lg-offset%22%3A%22unset%22%2C%22xs-pull%22%3A%22unset%22%2C%22sm-pull%22%3A%22unset%22%2C%22md-pull%22%3A%22unset%22%2C%22lg-pull%22%3A%22unset%22%2C%22xs-push%22%3A%22unset%22%2C%22sm-push%22%3A%22unset%22%2C%22md-push%22%3A%22unset%22%2C%22lg-push%22%3A%22unset%22%2C%22xs-overlap%22%3A%22no%22%2C%22sm-overlap%22%3A%22unset%22%2C%22md-overlap%22%3A%22unset%22%2C%22lg-overlap%22%3A%22unset%22%7D%7D%7D”][ffb_paragraph_2 unique_id=”1p64tc4u” data=”%7B%22o%22%3A%7B%22gen%22%3A%7B%22ffsys-disabled%22%3A%220%22%2C%22ffsys-info%22%3A%22%7B%7D%22%2C%22text-is-richtext%22%3A%221%22%2C%22align%22%3A%22text-left%22%2C%22align-sm%22%3A%22%22%2C%22align-md%22%3A%22%22%2C%22align-lg%22%3A%22%22%7D%7D%7D”][ffb_param route=”o gen text”] Here are Seven Tips on How To Manage Money the Right Way It’s all right to ask for help if you have a financial situation that you cannot manage without a little assistance, and that’s why we provide title loans so that you can borrow money quick and easy. But borrowing money to manage debt is not the final solution to tackling debt and living debt-free. To do that, you have to have a realistic plan to manage your money that will not involve driving you deeper into debt or leaving you stranded if financial hardship hits. There are many things you can do to avoid high debt situations, but these are seven tips that will help you manage your money right. Do Not Go Into Debt On Something That’s Going To Involve Interest Payments Over A Long Period Of Time While car title loans do have interest payments, they’re a short-term loan that is meant to be paid off within a month so you don’t have to deal with interest payments. But with some loans such as getting a mortgage for a home that’s out of your price range or a brand new $20,000 car, going into debt is never wise because you might find yourself locked into financial obligations you cannot get out of without damaging your credit and property repossessed. Car financing especially has to be planned just right because a vehicle will always depreciate, and that depreciation could be as much as half of its value by the third year you’ve owned it according to Trusted Choice. Cars and homes are just some investments you’ll need to make, but you’ll need to make sure you can stay out of debt at all costs on big investments. Make Sure You Get A Return On Your College Investment While this may sound like advice directed solely to millennials, many people find themselves needing to return to school at some point either to change careers or get a pay raise. You probably want a quality education and perhaps the recognition of the university to go on your resume, but you need to make sure that getting your next degree is going to be more than worth any student debt you might accrue while getting it. You should never enroll in programs that don’t land you employment immediately. Make It A Habit To Buy Things In Cash Or With Debit Cards Instead Of Credit Cards This may seem like a small thing compared to enrolling in college or buying a vehicle or home, but credit card debt usually becomes a big problem for those looking to get out of debt. It’s not just large purchases that get made on credit cards that start a debt problem, but small things that start adding up hundreds of dollars each month on your credit card statement. The best remedy is to make sure you’re only spending within the limits of your paycheck and bank account, and paying with cash or your debt card and then balancing your checkbook is a good way to do it. And as personal financial talk show host Dave Ramsey notes, your children also can be watching you swipe the plastic and it may rub off on them. Look For Tax Deductions And Ways To Gain Back More On Returns Among the debts you do owe, one of the most unpleasant can be paying taxes. But there are always ways you can find tax write-offs such as through various charitable gifts or claiming certain credits, and you can avoid penalties that can make your tax burdens even higher. It also never hurts to plan out your personal finance calendar to get an idea of how much you should have set aside to pay the IRS. Live A Healthy Lifestyle Living healthy may not only prolong your life; it may also put less stress on your wallet. Think about how much you might spend on junk food at the grocery store or fast food restaurants and realize that you can find healthier diets that cost far less that you could even fix at home. But it’s not just eating right that counts; buying a lot of cigarettes and alcohol can also put a stress on your budget. Consider living a life free of those problems. Don’t Neglect Your 401k Or IRA Plan You have to remember that you’re getting older and that at some point, you probably won’t be able to work like you are now and at that point, you’ll want to make sure your retirement account can pay the bills. You need to make sure you’re putting as much money as possible into your retirement accounts, and having automatic withdrawals to those accounts can help a lot. If you’ve built up a sizable amount of money in your 401k, you can sometimes use that to help with your short-term needs. Look Into Selling A Life Insurance Policy Having life insurance is important, but sometimes you need to look into exiting a life insurance plan if you no longer can afford it or if you or your family simply just don’t need it any longer. Selling a life insurance policy can be a complex process, but doing it can be worth it if you absolutely need the money. You can find out more about how to do it at this MoneyTalks resource. If you’re ready to start managing your money but still need the help of our Texas car title loans, you can find out more about title loans in our Texas title loan FAQ section. Once you understand them, you can apply for our online title loans, and if it’s absolutely necessary, you may be able to get a title loan without vehicle inspection being necessary, although you may need to take pictures

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0.5)%22%7D%7D%7D%7D%2C%22pd-xs%22%3A%7B%22t%22%3A%22170%22%2C%22b%22%3A%22100%22%7D%7D%2C%22clrs%22%3A%7B%22text-custom-color%22%3A%22%23ffffff%22%7D%7D%7D”][ffb_column_1 unique_id=”hv3ep71″ 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data=”%7B%22o%22%3A%7B%22gen%22%3A%7B%22ffsys-disabled%22%3A%220%22%2C%22ffsys-info%22%3A%22%7B%7D%22%2C%22text-is-richtext%22%3A%220%22%2C%22tag%22%3A%22h1%22%2C%22align%22%3A%22text-left%22%2C%22align-sm%22%3A%22%22%2C%22align-md%22%3A%22%22%2C%22align-lg%22%3A%22%22%7D%2C%22clrs%22%3A%7B%22text-color%22%3A%22%22%2C%22font-size%22%3A%2240px%22%2C%22font-size-md%22%3A%2270px%22%7D%7D%7D”][ffb_param route=”o gen text”]How to Budget Christmas Shopping[/ffb_param][/ffb_heading_2][/ffb_column_1][/ffb_section_0][ffb_section_0 unique_id=”1p64sjj9″ data=”%7B%22o%22%3A%7B%22gen%22%3A%7B%22ffsys-disabled%22%3A0%2C%22ffsys-info%22%3A%22%7B%7D%22%2C%22type%22%3A%22fg-container-large%22%2C%22no-padding%22%3A0%2C%22no-gutter%22%3A0%2C%22gutter-size%22%3A%22%22%2C%22match-col%22%3A0%2C%22force-fullwidth%22%3A0%7D%7D%7D”][ffb_column_1 unique_id=”1p64sjja” 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data=”%7B%22o%22%3A%7B%22gen%22%3A%7B%22ffsys-disabled%22%3A%220%22%2C%22ffsys-info%22%3A%22%7B%7D%22%2C%22xs%22%3A%2212%22%2C%22sm%22%3A%22unset%22%2C%22md%22%3A%2212%22%2C%22lg%22%3A%22unset%22%2C%22is-centered%22%3A%220%22%2C%22is-bg-clipped%22%3A%220%22%2C%22xs-last%22%3A%22no%22%2C%22sm-last%22%3A%22unset%22%2C%22md-last%22%3A%22unset%22%2C%22lg-last%22%3A%22unset%22%2C%22xs-offset%22%3A%22unset%22%2C%22sm-offset%22%3A%22unset%22%2C%22md-offset%22%3A%22unset%22%2C%22lg-offset%22%3A%22unset%22%2C%22xs-pull%22%3A%22unset%22%2C%22sm-pull%22%3A%22unset%22%2C%22md-pull%22%3A%22unset%22%2C%22lg-pull%22%3A%22unset%22%2C%22xs-push%22%3A%22unset%22%2C%22sm-push%22%3A%22unset%22%2C%22md-push%22%3A%22unset%22%2C%22lg-push%22%3A%22unset%22%2C%22xs-overlap%22%3A%22no%22%2C%22sm-overlap%22%3A%22unset%22%2C%22md-overlap%22%3A%22unset%22%2C%22lg-overlap%22%3A%22unset%22%7D%7D%7D”][ffb_paragraph_2 unique_id=”1p64tc4u” data=”%7B%22o%22%3A%7B%22gen%22%3A%7B%22ffsys-disabled%22%3A%220%22%2C%22ffsys-info%22%3A%22%7B%7D%22%2C%22text-is-richtext%22%3A%221%22%2C%22align%22%3A%22text-left%22%2C%22align-sm%22%3A%22%22%2C%22align-md%22%3A%22%22%2C%22align-lg%22%3A%22%22%7D%7D%7D”][ffb_param route=”o gen text”] Christmas Shopping On The Right Type of Budget You really can have your budget set up in such a way that you are able to get all of the Christmas gifts that you want to get for people. The question remains are you going to do it or not? We have some tips for you today that can lead you in the right direction towards a better Christmas for you and the ones you plan to purchase gifts for. Look At What You Spent Last Year Part of preparing for Christmas this year is to look at what you spent on it last year. That is what Dave Ramsey recommends on his website. He shows how if you just plan ahead for what your Christmas is going to look like ahead of time, you can have a stress-free Christmas that you have always wanted. If you are spending unnecessary money on things like eating out at restaurants, you should cut back on those type of things in order to create room in your budget for the spending you intend to do for Christmas. It is truthfully all about decision points and making the best choices for your budget. Consider Paying In Cash Credit card offers end up in your mailbox right around the holiday season for a reason. It is because they want you to rack up more debt on those cards while you are out at the stores getting caught up in the mayhem of it all. Don’t fall for a trap like that. Those cards will just drag you down and make your personal financial situation that much worse. You can do better than that by paying for the things you want to get your loved ones in cash. The gift will look the same to them regardless of your payment method, so why not do yourself a favor and only purchase the things you can afford to buy with cold hard cash. This will likely help you limit how much you go out there and spend as well. Get Help With Outstanding Debts If you have debts outstanding that you need help with, consider using title loan resources to get that help. There are title loan relief programs that exist which you may qualify for. If you do, congratulations on taking a big step in the right direction towards a less stressful financial future. Having title loans around your neck can take away your ability to have as productive of a Christmas budget as you might like to have. Fortunately, if you just use the power of the resources out there for you, those loans can be a thing of the past. Shop By Yourself This one may sound a little mean, but the truth is shopping by yourself for Christmas gifts is by far the best way to go about things. You do not want someone else to come into your shopping spree and start spending all of your money for you. There are a lot of people out there like that who would like nothing more than to do this. Make sure that you leave those folks behind and handle this one for yourself. The truth is, you will probably get a lot more done without too many stragglers hanging around anyway. Spread Out The Wrapping People will be happier if they see that they have a lot of gifts even if you spend the same amount of money as one or two bigger ticket priced items. You might consider going a little crazy with the wrapping and just put a bunch of gifts all under the tree for your loved ones. They will see all of those different gifts and be very excited about all of the things that you have gotten for them. It doesn’t even matter at that point how much you spent. These are a few ideas that may help your Christmas shopping go a little more smoothly. They are not the only things that work, but they are among the best ways to make a difference this Christmas in terms of how much you are actually spending, especially if you get Texas title loans. It is better to try to make that budget work and keep everyone happy by thinking ahead. Remember, Christmas always comes at the same time each year when you can always get Texas car title loans, so you don’t really have the excuse of being caught off guard by the big holiday season! [/ffb_param][/ffb_paragraph_2][/ffb_column_1][/ffb_section_0]