The holidays are fast approaching. For most people, this is both a joyous time of year as well as a very stressful time of year. It is a time of togetherness and a time for giving. Unfortunately, stress can often affect a person during this time of year so much that they miss out on all of the fun for the whole season. The number one cause of stress is, of course, money. [continue reading…]

It is almost that time of year again. The holidays can be both fun and stressful. One of the most common holiday stressors is finances. If you struggle to afford gifts for your family and friends, then just know that you are not alone. [continue reading…]

Food is often one of the biggest expenses that families have, especially when it comes to those of medium to large sizes. Of course, it can be also difficult for just on person to budget for groceries. Whether you are single and live alone or have children to feed, there are steps you can take to spend less on food, and eat healthier [continue reading…]

If you are like most people in Florida, there will probably come a time where you need money, and you need money quickly. It can take days or weeks to get a payday loan and don’t even consider a loan from a bank unless you have weeks or months to wait. Instead, there is an easier option. You can get a car title loan. You don’t need a full time job and you don’t need to have good credit. You can qualify for a car title loan in Florida as long as you meet a few requirements.

You Must Own the Vehicle to Qualify

In order to qualify for a car title loan, one of the requirements that you will need to meet is that you will have to be the owner of the vehicle. This means that the car must be completely paid off and you must be listed as the owner on the title. If not, you will not qualify for this loan. Why must you own the vehicle? Because that is the only way you can sign over the title to the lender legally. Don’t worry, you will get it back once the loan is paid off!

Your Vehicle Must Be Worth a Certain Amount

Another requirement that will likely come into play when it comes to qualifying for a car title loan is the value of the vehicle. The money you can borrow with a car title loan is directly related to the value of the car. For example, a lender may have a policy of allowing borrowers to take up to 50% of the value of a car. If your car is worth $4,000, in that case, you could borrow up to $2,000.

You Must Be Able to Pay the Loan Back

Finally, in order to qualify, you will need to have a way to pay the loan back. It is important to understand, however, that this does not necessarily mean you need to have a job, you could pay back your loan in other ways, as well. Perhaps you receive some type of cash payments due to a settlement, am taking retirement payments or have another means of paying. As long as you can show that, you can qualify for a car title loan in Florida.

Every individual has gone through a cash shortage at one point in his or her life. When this happens, the most common reaction is to panic and immediately look for short term borrowing from other family members or friends. Borrowing from friends, though, has its drawbacks. It can be an easy way to lose a relationship with someone that you really care about. So, before you go down that path, think about some alternatives: [continue reading…]

Car title loans can be an excellent source of emergency funds, and they can be obtained by people with any credit score. It does not matter whether you have good credit, bad credit, or no credit at all. Car title loans use your car’s title to secure the loan. Before you get a car title loan though, it is important that you research and understand all of the regulations involving car title loans. [continue reading…]

It is required that every car owner carry auto insurance. What is not required is for you to pay an exorbitant amount of money to get it. Auto insurance companies will gladly take your money, but if you are smart about it, you will not have to give them as much money for your auto insurance coverage as many other people. [continue reading…]

When it comes to having fun, you do not necessarily have to travel far. In fact, you might be surprised at the number of things that you can do for fun that is literally just around the corner. On top of all of that, doing something close to home means that you can save yourself a lot of money. However, before you plan out your day, take a moment to do a quick inventory on the ways that you can save even more money on your local activities. [continue reading…]

For a lot of people, when they hear the phrase “save money on groceries” they just think of clipping coupons or watching the circulars. There actually is a lot more to it than just clipping coupons. Now this does not mean that you have to be an extreme couponer. Most people do not have that much time to spare to go to those great lengths. Still, there are some actions that will help you save money while not take up that much more of your time. [continue reading…]