December 19, 2017
Like it or not, bills are just a fact of life. Every month we play out the same routine, receiving and paying off the usual suspects: our mortgage or rent, utility bills, credit card payments, student loan payments, phone bills, and internet service. On top of that, most of us have a few regularly renewing subscriptions with direct-draw payments such as Amazon Prime, Netflix, gym fees, or various charitable causes.
Yet no matter how on the ball you are with your monthly bills, sooner or later we all find ourselves slapped with a forgotten or unexpected expense. On top of that, these always seem to be the bills that are immediately due in full, lest you get hit with exorbitant interest or worse. At times like this, savvy folks hop on online and search for a “title loan near me” to locate resources for securing quick cash around Memphis, TN. A title loan requires no credit check and lets you continue to drive your car while repaying the loan. There are a lot of different unexpected expenses that may crop up throughout the year, but whatever the reason you need the money, a title loan can be the perfect solution.
Covering the Cost of Annual Fees and Dues
No matter how old you are or where your interests lie, we all get hit with annual expenses. And somehow, even though they come around every year, we always seem to forget about them until they come due. Some of us have to pay union dues or other professional licensing/subscription fees. Small business owners get hit with liability insurance fees, business licensing fees, and more. Networking associations such as your local Chamber of Commerce or Elks Club have their annual membership dues, and so do museums, zoos, theaters, warehouse clubs, and co-op grocery stores. If you’re a driver you probably want to have AAA, and of course you have to pay to keep your vehicle’s tag and title up to date. And speaking of registration, depending on where you live you may have pet tag and licensing fees.
All of this doesn’t even touch on the many subscriptions we have, either. Whether they are magazines and newspapers or digital media such as Netflix, Hulu, or Amazon Prime, we’ve got to pay to stay informed and entertained. Then there are the annual fees that some of our credit cards carry, and as we head toward the spring we can’t forget about the inevitable tax-preparation fees, either.
All Those Annual Household Expenses
Whether you own or rent a place, there’s no avoiding annual household expenses. Unless your homeowners insurance and taxes are escrowed with your mortgage payments you can expect a sizeable bill. The average American pays close to a thousand bucks a year. You may also owe HOA dues, which can be pricey. Even if you rent a house or apartment you will need to pay your renters insurance premiums, and depending on your lease, you may have additional annual payments for parking, utilities, or laundry facilities.
The one area in which virtually everyone experiences an unpleasant financial surprise sooner or later is home maintenance. From minor upkeep matters such as cleaning carpets and gutters to major expenses such as needing a new refrigerator, furnace, or AC unit, the costs can come out of nowhere and quickly add up. Pest control is another one of those things that nobody likes to think about, but when it becomes necessary it’s not something you want to skimp on. If you require it, you can expect to pay twice or even four times over, as exterminators generally need to treat a home multiple times over the course of a year.
We All Have Personal Expenses During the Year
Whether you live alone or have a big family, personal expenses are another arena where nobody gets off easy. We all take vacations, after all, and many of us have annual gym fees on top of whatever monthly dues we pay. Then there are premiums for both life and health insurance, and of course medical expenses can crop up at any time. Even if you get insurance through your employer, you can expect to be charged copays for annual physicals, dental exams, and eye exams. If you own pets, they will have their own medical bills, too, when you take them to the veterinarian for vaccinations or annual wellness visits. If you or a family member is in school there are all kinds of tuition and other education-related fees, and many of us have annual recurring donations to charity that we can easily forget about. Finally, as much as we care about our family and friends, there’s no denying that buying gifts for birthdays, anniversaries, and other such holidays can easily be overlooked when we’re budgeting our finances, leaving us strapped for cash at the worst possible time.
Title Loans Near You for Unexpected Auto Service
Commuting is such a part of our daily routine it’s easy to forget we spend a lot of money on it. When you add up the cost of buying and maintaining an automobile, keeping it registered and gassed up, and so many other travel-related expenses, the average driver in the U.S. actually spends over $9,000 a year. So we’re already paying a lot for our cars, and if we suddenly need new tires, brakes, or something even more serious, we can find ourselves in a tough situation. Just paying our insurance premiums can be a strain when times are tough. If you own a motorcycle, RV, trailer, or boat, you can expect all kinds of other fees and taxes, plus the unavoidable maintenance and service costs.
Title Loans Near You Are Here to Help!
If you’re searching for “title loans near me” in the Memphis, TN area, you’ll soon discover that Mid-South Title Loans is the most helpful business in the region. Depending on the value of your vehicle, our title loans range from $150 to $2,500. Memphis title loans require no credit check, just a lien-free car title and a photo ID.
Don’t Let Unexpected Expenses Get You Down This Year
If you don’t already have a system in place for keeping track of your annual expenses, now is the perfect time to set something up. It doesn’t have to be complicated. Just noting them on your 12-month calendar, in your bills folder, or even as reminders on your smartphone will prevent you from being blindsided when a forgotten expense comes due. No matter how carefully we plan, though, no one is immune from the occasional surprise expense. When that happens and your finances are already tight, rest easy knowing that a quick Google search for a “title loan near me” can bring your immediate relief.
Mid-South Title Loans boasts three convenient locations around the Memphis metro to serve our customers: 1680 Winchester Rd, 4965 Summer Ave, and 2798 S. Perkins Rd. If you’re looking for a title loan near you, all you have to do is fill out our convenient Title Loans Online Info Sheet, or stop by any of our three Mid-South Title Loans locations in Memphis and see us today.