December 19, 2017
December is obviously the season of A Christmas Carol, but January puts us in mind of a very different sort of Dickens: the start of the new year can be the best of times, but it can also be the worst of times. On the one hand, we’re still basking in the glow of holiday cheer (and maybe the glow of a new 55-inch 4K Ultra HD LED flat screen TV from Santa). On the other hand, the beginning of the year marks the arrival of a flurry of bills and other expenses.
This is the time of year when many of us get hit with HOA dues and insurance bills. Some of us have younger kids who will need new clothes for winter and spring or older kids who need college tuition, book fees, and other back-to-school expenses. And of course, taxes will soon be due for everyone. None of this takes into account your inevitable upcoming expenses, either: maybe you’re planning on taking advantage of the great after-holiday sales or going on a trip in the new year. Chilly as it’s been here in Memphis, TN, we all know summer is coming, so maybe you’re planning on putting in a new pool and bringing your relatives into town for the start of outdoor pool season. Whatever your circumstances and ambitions, the start of the new year is the perfect time to get all your ducks in a row.
The Holiday Bills Are Coming!
Every January it’s the same old story: just when you thought you were done with unexpected guests, the mailbox fills up with unwanted visitors. Every year our presents, decorations, and eggnog seem to get a little more expensive, too: Time magazine just reported that most Americans expected to drop close to $1,000 this holiday season. That was just the average, too, with some of us spending far more per person on their wish list. The start of the new year can be a bit of a reality check as we realize just how festive we were feeling, financially speaking, and most of us feel the pinch as the bills come due. With tax season waiting in the wings, it can all feel a little overwhelming, but the good news is title loans in Memphis can help.
School is Back in Session
Whether they’re young or old, your kids are almost definitely going back to school after the winter holiday break. Little ones will need warmer school clothes, from jackets and boots to hats and scarves. Older kids will probably need new books, activity fees, and possibly tuition for the new semester. Regardless of how old they are or what sort of school they attend, there will always be a few extra expenses, too: extracurricular activity fees, college prep classes, an out-of-state school trip, or maybe even a study abroad opportunity. We get that you want the best for your kids and these expenses are all very worthwhile, but having them hit right after you spent a lot over the holidays can seem daunting. That’s exactly why thousands of local shoppers turn to title loans in Memphis, TN for a little extra help.
Taxes and Insurance Bills Come Due
Unless you’re an accountant, chances are you aren’t excited about doing your taxes. The prospect of diving right into them after the holidays may seem daunting, but it’s much better than putting them off until the last minute. It can take a lot of valuable time to get all your receipts and spreadsheets in order. To make matters worse, most American households spend between $175 to $250 on tax-preparation fees. Seeing as how many of us already spread ourselves thin over the holidays, that expense couldn’t come at a less convenient time, especially with renters and homeowners insurance coming due at the beginning of the year. If your payments aren’t escrowed with your mortgage, you may be facing several thousand dollars worth of insurance premiums and taxes all at once. Feeling a financial squeeze is pretty much inevitable.
Winter Season Repair and Maintenance Expenses
On top of all the obvious expenses that arrive with the new year, we usually get hit with some less expected ones in the form of necessary home maintenance and repairs. Winter has just arrived in earnest, and it is often the hardest season on the home. If you own your own place, you know it is a never-ending work in progress, and cold weather brings the threat of rising energy expenses, a heating system malfunction, frozen pipes, power outages, gutter and downspout clogs, and a host of potential problems with snow and ice. None of that takes into account potential winter maintenance issues with the family car, either. Winter is just plain hard on everything, and unexpected repairs and maintenance costs can quickly add up. Tuning up your heating system will easily set you back a few hundred dollars, and if this is the year that your furnace gives up the ghost, it will cost you thousands to put in a new one. There is never an ideal time to spend a lot of money on home repairs, but the beginning of the year seems like the absolute worst. If unexpected financial burdens are getting you down, now is the time to turn to title loans in Memphis, TN for relief. It’s as simple as picking up your phone.
Memphis Title Loans Can Help!
Depending on the value of your vehicle, car title loans in Memphis from Mid-South Title Loans can offer you anywhere from $150 to $2,500. A car title loan in Memphis from Mid-South Title Loans requires no credit check, just a photo ID and a lien-free car title. You keep your car the whole time, too. What could be better than that?
Don’t Start off the New Year Buried in Bills
Figuring out exactly how much you will owe and to whom is most important first step to balancing your finances. This is the perfect opportunity to sit down and figure out your personal or household budget not just for the coming months but for the coming year. As you do the math, be sure to keep in mind that there are short-term loan options such as title loans in Memphis that can give you some breathing room.
Juggling post-holiday bills, tax-preparation fees, and everything else may not be fun, but a car title loan from Mid-South Title Loans can be the key to financial freedom. Visit any of our three convenient Mid-South Title Loans locations in Memphis today!