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And let’s be honest. Why do we spend so much at Christmas? Unfortunately, it’s the social pressure that we feel and that we don’t have any other choice. You end up being a Scrooge if you don’t give during the season of giving. As a result, we become shoppers that fall into the seasonal pressure of spending beyond our means. So is this just the way life has to be year after year? Of course not. Here are three ways we can realistically keep boundaries on spending without feeling guilty this year. (more…)

We all know that Christmas is a shopping season but it also seems like the time of year that cash is typically hard to come by. A holiday loan type personal loan can help bridge the gap between your gift list and your bank balance. It can take the pressure off paying for holiday travel, gifts, and even a party for family and friends. (more…)

It’s the season of gatherings and shindigs but when you have more friends than cash you might feel stumped as to how to host a dinner party at your house. Who says you can’t entertain family and friends on a budget? Let’s a look at a few ways to create party this holiday season that your guests will remember without emptying the bank. (more…)

Congratulations! You just bought your starter home. You may be both excited and worried about finishing it now. While buying all the new furniture you need at once can be expensive, it doesn’t necessarily have to be. As always, there are ways to save money on pieces, and you know what, the savings can really add up! From picking up some pre-owned treasures to a few DIY projects, we put together some tips to help you save money, maybe get some of the best short term loans Arizona has available and still have fun furnishing your new home. (more…)

We all know that college or trade-school can be a financially strapping phase in life. The cost of school, housing, supplies and just living on your own can really add up. Students are always looking for ways to make and save money, to afford the costs of school. Tio Rico Te Ayuda is here to help. We offer no-hassle auto title loans as a creative solution for quick cash and financial relief. (more…)

Sometimes life can throw you a curveball, and you need to be able to handle the financial repercussions. Whether it be family, medical, or natural disaster, emergencies happen. How do you afford the costs associated with an emergency? Not everyone has insurance for financial coverage. Even if you do have insurance, certain carriers won’t cover everything. It is smart to have an emergency fund set aside. Below we discuss ways to save for an emergency. (more…)

It’s that time of year, the flu and cold season is upon us. Getting sick is not only a health inconvenience, it can also be a costly one with doctors appointments and prescriptions that need to be filled. Not everyone has health insurance or reliable health insurance to help with the expenses. Tio Rico Te Ayuda offers quick cash loans such as auto title loans in situations where a little extra cash is needed for co-pays or other medical expenses. Below we discuss some tips on keeping you and your family healthy this sick season, and what to do if you are in need of some financial medical relief. (more…)

ht: 400;”>Time passes quickly and autumn is approaching us. The kids are back in school and gives us more time to spend time outside when it isn’t as hot outside. Does your yard beckon you and encourage you to spend time there? (more…)

As the new school year is now in full swing, many students are getting used to new class schedules, selecting professors and teacher, and looking forward to the new semester. But in the whirlwind of preparation that each college semester requires, one thing is often overlooked: the dorm room. The dorm will be an important part of your student life, housing not only your sleeping quarters, but your study space, and your living area. It’s the place that will see you make new friends, cram for finals, and forge ahead through an important piece of your life, and, as such, deserves much attention to detail. But since dorms are often small and cramped, decorating in a way that will give you as much space as you can squeeze out of it, as well as infusing your personality, is difficult. We’ve compiled a list of five easy and affordable ways to decorate your dorm to maximize the space where you’ll spend your semester. (more…)

It’s that time of year again. Back to school! The fun of summer is over, and the kids go back to school. While it might be a relief to some parents to have the kids out of the house, back to school shopping can be a real nightmare. According to Quicken Loans, as of 2015, the average American household spends around $630 on back to school supplies. It might seem inevitable to spend so much on school supplies, clothes, and other necessities, but with some smart shopping, you can cut back on costs. (more…)

It doesn’t take much to throw you off your budget. Unexpected expenses can pop up out of the blue, but there’s no reason to get overwhelmed. A personal loan can get you through a difficult financial time and back on track. (more…)

If your kids are anything like the average small humans, they might be glued to screens all day, or maybe they are constantly whining that they are bored. If you don’t want to spend money on memberships to parks or pools or are in a pinch for money and can’t afford extra expenditures right now, here’s a few ideas for fun, easy, and affordable ways to get the little angels out of the house (and out of your hair.) (more…)

Creating a budget based on your lifestyle and income is essential to managing your finances. For many families frugal living is often a necessity rather than a choice. Packing lunches, taking the bus or pre-cooked meals that would last for 2-3 days helps to keep the household finances on track.
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What is a credit report?
A credit report is a detailed account of your credit history that determines your credit score. On your credit report, you will see a summary of every credit or loan account you have taken out and your payment history, if you have missed payments or quit paying altogether, that will be reflected and you will see a lower credit score. If you have made your payments on time and have a reasonable amount of accounts, that will also be reflected, as well as if there have been any inquiries into your credit score. (more…)

Adding a little person to your family is a huge responsibility. Getting prepared for sleepless nights, lots of laundry, and the most rewarding little smiles. Having a baby, especially if it is your first, can be stressful in many ways. Take the following steps before the stork arrives to minimize the financial strain on the family. (more…)

Getting a car title loans in Phoenix is much easier than you think. An auto title loan is a loan made against the equity in a vehicle that you own. If you own a vehicle, like a car, truck, or motorcycle, and the title shows that you own it, you may be able to easily borrow against the equity in the vehicle and get a same-day car title cash loan. It’s as simple as that! (more…)

There are many places you can obtain quick cash loans in AZ, so why choose Tio Rico Te Ayuda? Here are seven reasons why, when you need cash fast, Tio Rico Te Ayuda is the Loan Center for you. (more…)

It’s a pretty common scenario – we see it all the time – you have a job with a decent income but your credit has taken a couple of hits over the recent years and now you’re facing some unexpected expenses. You need a personal loan but you’re having a hard time getting one due to your credit score.

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Spring is a great time to clean house. Spring cleaning should leave you feeling refreshed, clean, and productive! But what about your finances? The major holidays have passed, tax time is over, and summer is quickly approaching. Plus, it’s 2017 – it’s time to cut down on a mountain of paper clutter and finally go paperless. While you’re in spring cleaning mode, organizing and prioritizing your finances should hold a place of importance. Here at Tio Rico Te Ayuda we help our clients sort their finances on a daily basis and help them out by offering them loans when they need it. We certainly can provide our clients with advice on financial matters, but how do you spring clean your finances? Here are a few personal finance tips to get you started. (more…)

Has your budget gotten stale? Perhaps you’ve decided on a few life-changes or set a new financial goal. We work with clients day in and day out to help get them the cash they need fast but also help to provide them tips on budgeting. Reevaluating your current budget and updating it to fit your changing needs is an important, yet overwhelming, task. To help jump-start your new budget, try following these simple financial suggestions: (more…)