7 Easy Ways to Save Money Each Month

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Many of us struggle to achieve financial stability, especially if we have poor credit or live on a tight budget. Sometimes, we must stretch our dollars as much as possible to make ends meet. This is why learning ways to save money each month is important. This post will provide seven easy tips to help you manage your finances more effectively. (more…)

Why You Should Have a Rainy Day Fund – And Where to Start

Counting Money | what is a rainy day fund

What is a rainy day fund? It’s a type of savings account that you can use to cover unexpected expenses or to help you through difficult financial times. It’s a great way to ensure you’re prepared for any financial surprises that come your way, and it can help you stay on track with your long-term financial goals.

This type of fund is different from a regular savings account in that it’s intended to be used only in the case of an emergency or unexpected expense. It’s important to distinguish between the two because you don’t want to dip into your rainy day fund for everyday expenses.

Benefits of Having a Rainy Day Fund

Having a rainy day fund can be a great way to give yourself peace of mind and financial security. Here are some of the benefits of having this type of fund:

Financial Security

Having a rainy day fund can give you a sense of financial security. Knowing you have a backup plan in an emergency can be a great relief. It can also help you stay on track with your long-term financial goals, as you won’t have to dip into your regular savings to cover unexpected expenses.

Peace of Mind

It can also give you peace of mind. Knowing you have a backup plan in an emergency can help you feel more secure and confident about your finances.


Enjoy more flexibility in your finances. If an unexpected expense arises, you’ll have the funds to cover it without dipping into your regular savings.

How to Start a Rainy Day Fund

Starting a rainy day fund is a great way to prepare for unexpected expenses or difficult financial times. Here are some tips for how to start this type of fund:

Set a Goal

The first step in starting a rainy day fund is to set a goal. Decide how much money you want to save and how long you want to save for. This will help you stay on track and reach your goal.

Set a Budget

Once you’ve set a goal for your fund, it’s time to set a budget. Decide how much money you can save each month and stick to it. This will help you reach your goal promptly.

Find the Right Account

Once you’ve set a goal and budget, it’s time to find the right account for your rainy day fund. Look for a savings account with low fees and a competitive interest rate. This will help you maximize your savings and reach your goal faster.

Tips for Building a Rainy Day Fund

Once you’ve started your fund, it’s important to stay on track and continue to build it. Here are some tips for building your fund:

Automate Your Savings

Automating your savings is one of the best ways to stay on track with your rainy day fund. Set up an automatic monthly transfer to your fund to ensure you’re consistently saving.

Set Up a Separate Account

Setting up a separate account for your fund is also a good idea. This will help you separate your regular savings so you won’t be tempted to dip into your regular savings for unexpected expenses.

Track Your Progress

Finally, tracking your progress with your fund is important. This will help you stay on track and motivated to reach your goal. You can track your progress by setting up a spreadsheet or using a budgeting app.

Another Way to Get an Emergency Fund Started ASAP

Have you tried all these ways to save money and are still in a pinch? At Tio Rico, we offer solutions for quick cash in Arizona, including personal loans and auto title loans. We provide an online application process to get you approved and on your way. Contact us today to learn more!

5 Creative Hacks to Increase Your Credit Score

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If you need to increase your credit score quickly, you can use several under-the-radar methods to help speed up the process. A high credit score is essential to get approved for a low-interest credit card, refinance your mortgage, or get a loan with favorable terms. Building good credit can take years. However, if you need to raise your score as soon as possible, here are some hacks to increase credit score fast. (more…)

How Can I Make Extra Money Fast?

how can i make extra money fast

Are you looking to make some extra cash? Maybe you want to save for a special purchase, pay off some debt, or boost your bank account. If you find yourself wondering, “How can I make money fast?” consider these tips for making extra money without going into debt: (more…)

5 Ways to Save Money Each Month

Money in Wallet | ways to save money each month

Saving money each month can be challenging, but you can reach your savings goals with some planning and discipline. If you’re wondering about some manageable ways to save money each month, keep reading to learn our best tips – including creating a budget, cutting out unnecessary spending, finding the best deals, prioritizing your savings goals, and keeping track of your progress. (more…)

5 Helpful Tips for Traveling With a Low Budget

how to travel with a low budget

Traveling can be an enriching and eye-opening experience, but it can also be costly. If you plan ahead and use some smart travel tips, you can enjoy your trip without breaking the bank. If you’re wondering how to travel with a low budget, here are five tips to try: (more…)

4 Essential Tips for Spring Cleaning Your Finances

spring cleaning your finances

Spring cleaning should help you feel ready for the coming seasons. It provides a sense of accomplishment and sets you up for future success. In the same way, spring cleaning your finances can help eliminate roadblocks to reaching your financial goals by taking care of the things you’ve been meaning to do, resetting your budget, and physically cleaning up your paperwork. (more…)

Common Money Mistakes Millennials Make (and What to Do Instead)

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Managing your finances can be intimidating, especially if you are beginning to understand the financial world. People make many common money mistakes, and it’s important to be aware of them to avoid them. Let’s look at 3 common money mistakes and how we can avoid them. (more…)

Romantic Valentine’s Day Ideas on a Budget

valentine's ideas on a budget

Valentine’s Day can be an ideal time to show your loved one how much you care, but celebrating this holiday doesn’t need to leave you financially drained. The great thing about living in Arizona is that there are plenty of ways to celebrate Valentine’s Day without breaking the bank. Take a look at these Valentine’s ideas on a budget for inspiration! And if you don’t find any date ideas that strike your fancy? At Tio Rico, we can help you secure a personal loan for all your romantic ideas. Keep reading for more! (more…)

Can You Have Two Personal Loans at Once?

Banking | can you have two personal loans at once

Can you have two personal loans at once? If you’re wondering about this question, you aren’t alone.

No law limits the number of personal or secured loans you can have. Lenders may limit the amount of money you can borrow, or they may reject your loan application if they see that your income isn’t high enough to cover your monthly loan payments, though easily. (more…)

Kick Off 2023 With These 6 Money Saving New Year’s Resolutions

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January is a great time to reflect on the past and make positive changes for the good of your financial future. Whether you’re looking to save up for a big purchase or want to reduce your monthly bills, here are six financial New Year’s resolutions to incorporate into your routine in 2023. (more…)

Eliminate Debt in 2023 With These Simple Tips

Counting Money | how do title loans work

High monthly debt payments hijack your ability to reach other financial goals by limiting your ability to build an emergency fund, contribute toward retirement, and save to make large purchases. Fortunately, there are proven ways to eliminate many types of debt other than making minimum payments, from organizing debt to getting a title loan. How do title loans work? We break it down below.


7 Ways to Save Money on Groceries

Grocery Store Aisle | how to get an installment loan with bad credit

For many people, a grocery budget represents an opportunity to reduce expenses for the entire household. Saving money on groceries can be difficult with rising food costs, however. Some people may choose to finance their grocery expenses differently and wonder how to get an installment loan with bad credit. At Tio Rico, we can help! In the meantime, here are 7 ways to start saving money on groceries today. (more…)

5 Thrifty Gifting Ideas You Can Do This Season

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When it comes to giving gifts, it’s the thought that counts. The good news is that you can stick to your holiday budget (or even look into a same day personal loan!) and give your loved ones gifts that show them how much you care. Here are five thrifty gifting ideas to provide you with holiday inspiration. (more…)

Celebrating the Holidays in Mesa, AZ

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The holidays are finally here, and it’s time to start planning the most magical time of year. Looking for unique things to do in Mesa, AZ for the holidays? Here are a few things to add to your festive to-do list for the 2022 holiday season:

  • Visit the breathtaking Christmas light display on temple grounds at the Church of Jesus Christ of Latter-Day Saints on the north lawn at 101 S. LeSuer in downtown Mesa starting November 25th at 5pm through December 31st.
  • Merry Main Street features Mesa’s official Christmas tree on Mcdonald just north of Main Street. Opening night is November 25th at 5pm. Visit with Santa on Fridays and Saturdays. Stop by Pioneer Park for a meal or snacks at Jack Frost’s Food Truck Forest.
  • Visit the Winter Wonderland Ice Rink located at the Plaza at Mesa City Center at 56 E. Main Street. Register online and pay in advance for 60-minute skate sessions. Skate rental is included. Your skate session includes skate fitting and skating.
  • Take a stroll through Lights on the Farm to see Arizona’s largest synchronized light and music show featuring more than 2 million lights spread over ten acres. Lights on the Farm opens November 23rd and features a skating rink, Santa visits, and free parking. Purchase tickets online. Lights on the Farm is located at 4011 S. Power Rd. Mesa, Arizona.
  • Take a short road trip to Schnepf Farms for the ultimate Christmas celebration experience starting November 25. Take a hayride to see Rudolph or tour Santa’s magic workshops. Ride the World of Illumination Express or take your chances on the world’s largest inflatable obstacle course. Christmas bonfires, snow globe mini golf, holiday shopping, a beer and wine garden, and a Christmas carousel are just a few of the delights that await. Buy Schnepf Farm tickets online. You can find Schnepf Farms about 30 minutes southeast of Mesa at 24810 E Rittenhouse in Queen Creek, Arizona.
  • Shop downtown Mesa on November 25th and 26th at Santa’s Merry Makers Marketplace, featuring local artisans and crafters. Main Street’s many shops will also open so you can jump-start your holiday shopping.

You’ll have numerous chances to see Santa throughout the holiday season. You can pre-book a photo session with Santa at Superstition Springs Center in Mesa starting November 17th until December 23rd, Monday through Saturday from 11 am until 7 pm and Sundays from noon until 6 pm. He will also be available on December 24th from 10 am until 4 pm. Take your little ones to Santa’s PJ party and storytime from 10 – 11 am on December 6th, 13th, and 20th.

If you want unique things to do in Mesa, AZ but need a little extra cash, look no further! Apply for a personal or title loan today with Tio Rico.

Planning for the Holidays On a Budget

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The best time to plan your Christmas spending is before the holiday season begins. Many families feel a financial pinch throughout the beginning of the new year as they try to recover from holiday spending. Gifts, extra food, celebrations, time away from work, and travel expenses can add up quickly. Luckily, there are options, such as budgeting and instant loans for bad credit, to help get you through the financial stress of the holidays! (more…)

Debt Consolidation vs. Personal Loan – Which is Better?

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You can typically use the funds from an unsecured personal loan for nearly any reason. However, lenders may exclude certain purposes, such as paying off student loans, paying tuition, investing, or making a down payment on a property secured by a mortgage loan. Some lenders specialize in helping people with credit challenges consolidate credit card debt with a personal loan. Personal installment loans for bad credit can help you pay off your credit cards. In general, you’ll need good credit and a stable source of income to qualify for a personal loan unless you work with a lender specializing in bad credit personal loans. (more…)

Building Your Credit Score

Young girl | how interest rates work

Everyone starts from zero with credit scores and should pay attention to their credit, even when new to work and personal finances. Your credit score is based on information from major credit reporting bureaus, which aren’t created until you’ve had credit in the form of revolving credit (credit cards) or loans. Most people won’t have a credit score before 18 years of age, here are some helpful insights on how to build your credit score. (more…)

10 Ways for Teens to Earn Money

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Hanging out with friends, auto expenses, electronics, and saving for future expenses like college and big purchases are just some of the things today’s teens need to fund. There are many ways teens can earn money. Read on to learn how to earn money as a teenager. (more…)

What is a Good Rate for a Personal Loan

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Most people know that when they borrow money, they are going to pay it back plus interest. The amount of interest is called the interest rate. It is worth understanding a good rate for a personal loan when you need quick personal loans. (more…)