November 20, 2017
When it comes to unexpected expenses, the old saying "when it rains, it pours" doesn't come close to describing the drowning feeling you get when the bills pile up. No matter how good you've been about your spending, inevitably there comes that one month when the skies open up and charges start beating down on your bank account balance like golf-ball-sized hail. If you haven't prepared for such a financial storm, your budget and necessary expenses—like your mortgage or car payment schedule—could be devastated, and your financial security as you know it could be sent into unrecoverable disarray.
One way to prevent this is to plan ahead as much as possible. Make yourself a money calendar where you note when the big spending months occur. For example, we know that springtime is home improvement time. You also know that your family vacation will happen somewhere around June or July. When your trip has ended you know there will be new clothes and supplies to buy for the coming school year. Right behind that are Halloween and fall festival expenses. That leaves the biggest spending quarter of all, Thanksgiving and the holiday season.
Once you've mapped out where the costs might fall, you can start saving and budgeting for their arrival. As organized as you might be on regular expenses, however, some events are hard to anticipate. Whether it's a higher heating bill or a car needing new tires, something unexpected can always crop up.
But isn't the average household income at a new-time high? According to the U.S. Census Bureau, the middle class median household income rose 3.2% between 2015 and 2016 to come in at $59,039. That may seem like a good figure, but it really just breaks down to an extra $150 a month. While every little bit helps, the majority of household income goes to everyday costs like housing, food, clothing, and transportation. With inflation and changing circumstances, that extra $150 will only go so far.
If you are in need of some extra cash to damage-control your budget, car title loans in Memphis can help. Car title loans allow you to leverage the value of your vehicle for quick cash ranging from $150 to $2,500. All you have to do is visit one of the three Mid-South Title Loans in Memphis and bring your drivable vehicle, its lien-free title, and a photo ID. Car title loans in Memphis from Mid-South Title Loans are hassle-free and don't require credit checks or waiting periods.
If your wallet has experienced a bit of stormy weather, come on by Mid-South Title Loans today! We have three convenient locations throughout the Memphis metro to serve our customers: 1680 Winchester Rd, 4965 Summer Ave, and 2798 S. Perkins Rd. If you're looking for car title loans in Memphis, 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.Read more
November 15, 2017
Are you shocked that the winter holidays are already here? The warning signs have been in retail stores for months, but the reindeer LED lights were shelved beside the Halloween decor, so it seemed like there was plenty of time to get prepared. But now the Yuletide is here and, ready or not, it's time to get jolly.
Getting into the holiday spirit is more than just a mindset. It'd be a wonderful life, indeed, if we could just will the decorations, travel plans, and presents into being, or at least postpone the holidays until we were ready for them. But neither Christmas, Hanukkah, nor Kwanza waits for anyone, which means no matter how aware we are that the winter spending season is upon us, we probably aren't ready for how much it is going to cost us.
It's true you can't put a price on the experiences the holidays grant us. For many Americans, it's the only time during the year when we get to spend quality time with friends and family. Because this season is so dear, we have to get creative with our finances to defeat the many obstacles that lie between us and our loved ones. If you are leaving Memphis, you'll have expenses such as airline tickets, luggage fees, rental cars, or automotive repair to get your personal vehicle road-ready. Many consumer spending experts agree that holiday travel can set you back several hundred dollars on transportation, $200 in food and entertainment, and at least $500 for lodging if your folks' house is full. All of these expenses are easy to plan for. Where we really get hit in the pocket is with giving.
Last year, Americans collectively spent over $1 trillion on the holidays, according to the U.S. Commerce Department. Individually, they spent over $900 on holiday gifts and plan to budget close to $1,000 this year, according to the American Research Group's annual holiday study. This amount has increased since 2008, according to a report by Investopedia, due to increased (and even more accessible) Black Friday and Cyber Monday deals online.
If holiday expenses are becoming too much for your household budget, getting extra cash for the holidays with title loans in Memphis is easy. Come on by Mid-South Title Loans with your lien-free vehicle, its title, and your photo ID. After some quick paperwork, you will be in and out with cash in hand within 20 minutes. At Mid-South Title Loans, you can receive anywhere from $150 to $2,500 based on your vehicle's value. The best part is you get to keep your keys and continue driving to where you need to be for the holidays.
If you've checked your list, checked it twice, and still find out that your yuletide cash is tight, there's no sense in canceling Christmas. A title loan for extra holiday cash at Mid-South Title Loans can make your holiday merry and bright. Stop into any of our three convenient Mid-South Title Loans locations in Memphis today!Read more
November 13, 2017
In Memphis, the average worker can expect to have about two weeks of vacation time annually if he or she has been with the company for longer than a year. When you are just starting a new job, however, the number of paid days off you can take are few and far between. Eventually you can build up your leave as long as nothing catastrophic happens. Paid leave is billed as paid leave, and that includes fun days like vacation and holidays as well as sick days. Vacations we can plan, but illness is always unexpected.
We all know we're going to get hit with something at some point during the year. There's always the chance that the common cold, influenza, migraines, an injured back, or food poisoning will knock us off our feet for a few days. There are also the routine appointments we keep to try to stay on top of our health, such as a root canal, a biopsy, or a PET scan, which can take us away from the office for a day. If you have a particularly bad health year, you could be out of paid leave before you realize you really need it.
While the above afflictions are considered pretty routine, it's the surprises that can wipe out our leave. If you ripped your meniscus playing softball, you could be out for at least a week. Depending on the diagnosis, a chronic illness could require several weeks, perhaps even months, to treat. Perhaps you've had a baby and need to take maternity or paternity leave. In cases like this, most employers will grant you leave without pay, meaning they will hold your job for you while you recover, but once you've run out of your allotted leave time, the paychecks stop until your return.
Job security is a comfort, for sure, but at a certain point, that doesn't do much for paying the mortgage and your other regular bills, not to mention your newly incurred medical fees. In some situations, being forced to take leave without pay can be more costly than a trip in an ambulance. If you don't have much in savings at the moment you become sick, you may need to look for other means of cash flow while on the mend. A short-term loan in Memphis is one alternative for getting your bills paid on time while recouping off the clock.
A short-term loan in Memphis allows you to leverage your lien-free vehicle for quick cash. If you bring your working car, its lien-free title, and a photo ID to Mid-South Title Loans, you could receive a cash loan ranging from $150 to $2,500 based on your vehicle's value. You also get to keep your keys and drive your car uninterrupted while you repay the loan.
If you are strapped for cash during an illness, Mid-South Title Loans is here to nurse your budget. We have three convenient locations throughout the Memphis metro to serve our customers: 1680 Winchester Rd, 4965 Summer Ave, and 2798 S. Perkins Rd. If you're searching for a short-term loan in Memphis, 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.Read more
November 13, 2017
Our pets aren't just our best friends; they are family. As with other family, we'd do almost anything to keep them safe and happy. That is, we'll do as much as we can afford to. No one likes to think of our loved ones in terms of dollar signs, but when it comes to situations like veterinary bills, it can't be helped.
According to research by AVMA, 36% of U.S. households have at least one dog, and 30% own at least two cats. The study also found that about two to three veterinary visits each year are required to keep dogs healthy and that cats need one or two a year. Pet health insurance is even more difficult to obtain than human health insurance, so it's likely that most households will have to shell out anywhere between $90 to $375 on each routine vet visit.
Because these routine vet visits can be planned, it is easy to calculate those fees into our monthly budgets. It is the unexpected visits that we rarely are prepared for, and these large bills often catch us off guard. In the case of an emergency, you could see a clinic fee that's very well double or triple the price of a routine visit. For example, if your curious cat decides to eat your daughter's plastic hair ties or your dog gets a chunk of his favorite fetching stick stuck in his throat, the surgeries could easily cost you thousands.
Just like us, our pets require extra attention as they age. You can expect to see hip dysplasia in aging dogs, and all pets are as susceptible to glaucoma and diabetes as we are. Procedures and medications for these conditions will also cost several thousand dollars. As expensive as our pets' health might become, their continued companionship is priceless, and we will usually do whatever it takes to keep them healthy without question. However, when it comes to cost, sometimes the money just isn't readily available when we (and our pets) most need it.
When you're hit with a huge pet bill, one option is to see if your vet offers payment plans. If they don't, then you should pull your phone out, open up your Google app, and search for a "title loan near me." You will find that a title loan in Memphis is a quick alternative to finding the cash you need to keep Snuffles well and your family intact.
By Googling a "title loan near me," you will learn that there are no credit checks or waiting periods for title loans in Memphis. A title loan in the greater Memphis area allows you to leverage the value of your vehicle against a loan ranging anywhere from $150 to $2,500. The only requirements are your lien-free car title and a photo ID. If you bring those in to Mid-South Title Loans, you'll be out of the office with cash in hand, and your car keys, in 20 minutes or less.
Don't let an unexpected veterinary bill make you choose between your wallet and your pet. A title loan from Mid-South Title Loans can help you get the cash you need so your dog or cat can get the treatment they need to stay healthy and happy. Come on by any of our three convenient Mid-South Title Loans locations in Memphis today!Read more
November 13, 2017
There aren't a lot of things that can break up the monotony of our day jobs. Sure, we can take a walk to the soda machine for ten minutes or so, maybe meet up with friends for a long lunch, but for the most part we are locked into our tasks for at least forty hours each week. There is one thing, however, that can save us from this daily grind—an out-of-town business trip.
While, yes, it is typically still work, the business trip is one of those few golden opportunities to mix business with pleasure. Of course, some restrictions will apply, as you will be representing your company. If you are presenting at a trade show, sealing the deal on a contract, conducting market research to find new opportunities for your company, or training new recruits, you won't want to 100% cut loose. Even so, a break is a break, and a trip anywhere outside of the office is basically a paid vacation, right?
Wrong. While you may be excited to escape the desk for a few days, there may be a few unexpected expenses, even if your employer is footing the travel bill. First, let's recognize what your savings are, thanks to that. According to a study from Certify, companies pay on average $949 for domestic travel and $2,600 for international travel per employee on a business trip. This includes at least air fare, rentals, and lodging. It doesn't always include meals or easily overlooked expenses that can add up quickly. For example, a traveling employee can expect to pay $182 in vehicle expenses, either to rent a car or to cover wear and tear on a personal car.
Personal expenses caused by the trip can be sizable as well. You will need to look your best, so your finest suits will need to be dry cleaned, and you will have to pay for a house sitter or caregiver to mind the nest while you are gone. All of this can add up to several hundred bucks.
It isn't unreasonable to expect your employer to cover most of these expenses, but companies have tightened up on what can be charged to their corporate credit cards. It's best to ask your boss ahead of time what can be expected to be covered. Even if your boss does promise to reimburse you for all expenses, you had better make sure you have a filing system in place for saving your receipts, or you may find yourself covering the entire bill!
Likewise, you need to account for a delay from the time you file your paperwork and when you receive actual cash repayment. It can take anywhere from two weeks to a month for your travel stipend to go through payroll. Depending on what time of month that falls in, that reimbursement could make or break your budgetary needs like rent, groceries, or credit card payments.
There's no need to wait it out, though. A Tennessee title loan in Memphis can give you the quick cash you need to buffer your professional preparations and insure you get some pleasure out of your business trip. A Tennessee title loan from Mid-South Title Loans in Memphis ranges from $150 to $2,500 based on the value of your vehicle. Tennessee title loans in Memphis require no credit check, just a lien-free car title and a photo ID.
We have three convenient locations throughout the Memphis metro to serve our customers:1680 Winchester Rd, 4965 Summer Ave, and 2798 S. Perkins Rd. If you're searching for a Tennessee title loan, 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.Read more
November 13, 2017
There is nothing more rewarding in life than parenthood. There is also nothing more costly. It's never pleasant to think about how expensive raising kids can be, but acknowledging and staying ahead of your child's costs is vital to good parenting. But sometimes there are circumstances out of your control, and a surprise bill can come at an inconvenient time.
For the most part, your child's development can be integrated into your family's monthly and yearly budgets. We all know that when a child starts his or her first day of school, a list of new expensive needs is included with the homework. There are textbooks, school supplies, calculators, new clothes, and in some cases, iPads or computers. You'll need to buy most of this before the end of summer. You know, right when you've gotten back from your big family vacation to discover the fridge died while you were gone. Suddenly, the $669 the National Retail Federation suggests parents budget per child for back-to-school supplies might seem like the last straw.
Throughout the semesters, your child will want to participate in after-school activities such as sports, music lessons, and extracurricular clubs. These interests could have a great payoff in the long run if they lead to a college scholarship. They also guarantee that your child will stay active, socialized, and stimulated. Even so, it'll be hard to ignore the average $739 that the Backpack Index estimates these activities will add to your annual school supplies bill.
In addition to school, there will be many rites of passage for your child that won't come free. You might need to pay for braces, tutoring, or a weekly allowance. Alongside other household expenses, your child's school and activity expenses can be a lot to juggle. At some point a ball may drop when an unexpected (or overlooked) bill comes due for the further enrichment of your child. Fortunately for parents in the Memphis area, car title loans are available as a handy buffer to make sure your budget meets all of your family's needs.
Car title loans in Memphis are a great way to obtain fast cash. You leverage the value of your drivable and lien-free vehicle against the title loan while keeping the use of your car during repayment. There are no credit checks or waiting periods. At Mid-South Title Loans, you can receive a car title loan ranging from $150 to $2,500. All you need to qualify for a car title loan in Memphis is a lien-free car title and a photo ID. If you bring those items to Mid-South Title Loans, you'll be in and out with cash in hand in under twenty minutes.
Parenting is occasionally a thankless job. That doesn't mean you have to be penniless, too. A car title loan from Mid-South Title Loans in Memphis can get you the quick cash you need to keep your child's future on track. Stop in to any of our three convenient Mid-South Title Loans locations today!Read more
September 26, 2017
It always happens when you aren't paying attention. It's when you have a million errands to run, people coming into town, or just several bills due all at once. You write checks, visit ATMS, and swipe your debit card countless times. Once you've taken care of it all and start patting yourself on the back for adulting so well, however, the bank notices come. You have an overdraft fee, and another, and another….
Almost every transaction you've made that day comes with a fee, and it does add up fast! On average, the nation's larger banks change $35 to $38 for each transaction that overdraws your account. These fees are accrued for all kinds of transactions, be they paper or electronic checks, auto-bill payments, ATM withdrawals, and debit card purchases.
Those last two are the worst in terms racking up fees, and 83 percent of US major banks permit ATM and debit transactional overdrafts. It can also be compounded if your account is shared with your spouse. With two people withdrawing funds, overdraft fees could double. The crisis can get even worse as some banks institute a repayment deadline—a window of anywhere between a few days to a month—and if you can't make it, you incur an additional "extended overdraft fee" that, on average, adds another $69 to the bill.
It's a terrible Catch-22 because if there wasn't enough money in the bank to cover your expenses, how can you be expected to cover the overdraft fees? In some instances, we are talking hundreds of dollars in the red. While you try to figure that out, you still have your day-to-day needs like gas, groceries, and prescription refills that could potentially expose you to even more fees until you can pay it all off. But if you are in between paydays, where will the money come from?
One resource could be with a bad credit title loan in Memphis. Not only is it fast and easy, but you can have the needed cash in hand within 20 minutes or less. The way a title loans works is that you leverage the value of your owned vehicle against the amount loaned. A bad credit title loan in Memphis from Mid-South Title Loans ranges from $150 to $2,500. All you need to qualify is your vehicle, its lien-free title, and a photo ID. Just bring these items by one of our three offices, and after we assess your car's value while you do some speedy paperwork, you get to leave not only with cash in hand, but also with your car keys.
Don't let overdraft fees threaten the balance of your budget. Grab your lien-free title and come on by Mid-South Title Loans! We have three convenient locations throughout the Memphis metro to serve you: 1680 Winchester Rd, 4965 Summer Ave, and 2798 S. Perkins Rd. If you're searching for a bad credit title loan in Memphis, 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.Read more
September 19, 2017
Do you diligently pay toward your student loans, mortgage, credit cards, and other bills every month while feeling like the overall outstanding balance barely budges? There is a good reason for that. Every debt you owe also accrues interest, and if you are spreading your wallet out among several payments that just barely meet the minimum, the interest still continues to bump all of those balances up.
A great way to get over that hump is with bills consolidation. By taking out one big loan to pay off all of what is owed to the various lending institutions, you can start repaying that loan (and all your debts) in a single monthly payment. This is especially handy for when you have several major loans, like school loans, that you continue to chip away at without being able to fully pay them off. You also get a better interest rate that helps with savings down the road.
Even if you are now paying your bills down in one monthly chunk, the path to becoming completely debt-free can still be a long one. It especially feels like this when you start to see the light at the end of the tunnel. That is when those last few thousand dollars seem to have slowed the repayment schedule down. It can also feel like this with just regular credit card debt, or when that entertainment system you financed with zero interest a year back finally comes due with deferred interest doubling the amount owed. All of these things can make you feel like the hole is growing deeper every time you try to dig yourself out.
There is no need to despair! Just as bills consolidation is an excellent fix for handling large debt, title loans are wonderful for quashing smaller (but still significant) debts. A quick Google search for "title loan near me" shows that a car title loan is an easy way to get quick cash in Memphis. All you need is your drivable vehicle, its lien-free title, and a photo ID. Your vehicle's value is leveraged against the loan. With Mid-South Title Loans, that amount ranges from $150-$2500 in the greater Memphis area. There are no credit checks or waiting periods—in fact, you'll get approval within 20 minutes!
While of course a title loan is still a loan, it is a fast and efficient way to knock out lingering small debt. Whether you're making the last few payments toward a bills consolidation, dealing with a maxed-out credit card, or avoiding deferred interest on a financed item, a title loan can easily cover these remaining payments. Moreover, not only can it end the repayment cycle with accruing interest, but it can also improve your debt-to-credit ratio and credit score.
If you have an immediate need to rid yourself of debt, consider seeking help from a Memphis title loan company near you such as Mid-South Title Loans. The process is fast, easy, and hassle-free, so stop by any of our three convenient Mid-South Title Loans locations in Memphis today and be back on the road and ever closer to becoming debt free within minutes!Read more
September 12, 2017
Short-term loans are a great way to provide a buffer for extra monthly expenses like birthday gifts, food for entertaining, and last-minute weekend trips. They can also come in handy during a crisis, footing unexpected bills for emergency room visits, auto repairs, and household appliance replacements. But what about those mandatory expenses that, no matter what, have to be paid or else?
Mandatory expenses are the bills of your life. They include payments toward keeping your house in order, like the mortgage, property taxes, home insurance, HOA dues, and the utilities that keep you warm in the winter and cool during the summer. They also include quality of life for you and your loved ones: think childcare costs, school tuition, health insurance, and prescriptions. These aren't bills you can cut back on, like gas or grocery costs, and neither can you place then on a layaway back burner like you can when you need a new dishwasher. Mandatory expenses mean they have to be paid when due, or you and your family have to hit the curb.
There are all sorts of dire consequences you could face if your mandatory expenses go unpaid. You and your family could become ill from missed medications. The bank could foreclose and evict you from your home. The heat could be shut off in the middle of December. You could miss work due to having your child at home. You could carry even more financial burden if the IRS garnishes your wages to repay outstanding taxes.
All of this can be prevented, however, if you pay those mandatory bills on time. Since these important bills are regular, when and what you pay can be planned. Even so, sometimes money is tight and when it is time to pay, the funds may be lacking. Which brings us back to our earlier question: are short-term loans good for covering mandatory expenses? Absolutely!
Short-term loans in Memphis are one of the best ways to find cash fast. No credit check is required, and there is no waiting period. All you need for Memphis short-term loans is your drivable vehicle, its lien-free title, and a photo ID. Just bring all of that into one of our Mid-South Title Loans offices, and after some quick paperwork, you'll be back on the road with cash in hand within 20 minutes.
Short-term loans from Mid-South Title Loans range from $150 to $2,500 based on the value of your vehicle. That is a tidy enough sum to help you cover any mandatory expenses that may have caught you off guard or gone up in rate. If you need to settle a bill fast, Mid-South Title Loans has three convenient locations throughout the Memphis metro to serve our customers: 1680 Winchester Rd, 4965 Summer Ave, and 2798 S. Perkins Rd. If you're searching for a short-term loan in Memphis, 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.Read more
September 5, 2017
Life is expensive. Even with a household budget comprised of two monthly incomes, the demands of our modern lifestyle deplete our funds as soon as they are deposited into the bank. This is why most households have begun to embrace the entrepreneurial spirit and run a home-based side business.
Thanks to the Internet and home computing advances, the potential for having your own start-up has never been greater. If you have ever had an artistic streak, you can venture into freelance design or sell your artwork on Etsy. Are your strengths based in something more practical? You could capitalize on tax season as an accountant, pick up a few bucks as a notary, or offer your services as a fitness instructor or a consultant. Maybe you are at home caring for a little one. You could open your doors to a few other kiddos at your own childcare service, offer tutoring for the older kids, or put that heirloom piano to use by giving music lessons.
With a little bit of imagination, the possibilities for a side gig are endless. That's why the U. S. has seen a start-up boom within 38 million households reporting over $427 billion in annual revenue. Broken down to individual businesses, the average expected income is about $44,000, but the top 20 percent have been known to annually bring in $100,000 to $500,000.
One major reason behind the success of home-based business is that they require minimum overhead. 44 percent of home-based start-ups reported beginning their ventures on as little as $5,000. This includes necessary purchases such as a new computer and software, state business registration, contracting services from attorneys and accountants, and other equipment and goods needed to conduct day-to-day transactions. That may seem like a lot, but it's not bad compared to the $30,000 it takes to launch a traditional brick-and-mortar enterprise.
Even so, $5,000 isn't something to laugh at. If you are commencing at-home commerce, more than likely it's because you need to make more money rather than spend it. That's okay, though, because in the end, not only have you invested in a solid foundation that will support the growth of your business, but also you get a pretty sweet tax break from having an office in your home.
To gather start-up capital, many entrepreneurs secure financing or loans to jumpstart the process of setting up shop. The traditional route is with banks, or even by taking out a business credit card, but this route could create some barriers if you are still building your credit. One quick workaround is applying for car title loans in Memphis.
Car title loans in Memphis allow you to leverage your vehicle with no credit checks or waiting periods. All that is required is a drivable vehicle, its lien-free title, and a photo ID. If you bring those in to a Mid-South Title Loans office, you can receive a cash loan of anywhere from $150 to $2,500, based on your vehicle's value.
If you are ready to start generating side income with a home-based business, don't let a lack of cash hold you back. A car title loan in Memphis from Mid-South Title Loans can give you your start-up capital fast and hassle-free. Stop into any of our three convenient Mid-South Title Loans locations in Memphis today!Read more