Blog

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.
(more…)

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.

(more…)

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…)

Searching online for “personal loans near me” often gets many results, but what if you need more than the few hundred dollars? Although many services will allow you to fill out an online application in a matter of minutes, at Tio Rico Te Ayuda, our system has more details that allow you to feel confident about the loan you get. To get a better idea of fast cash loans we can offer you today, keep reading. (more…)

It’s that time of the year again, time to find out if a refund or a bill is coming your way. Taking a few easy steps ahead of time can make your tax filing a breeze!

Gather your paperwork
Nothing is worse than sitting down to file taxes and then realizing midway that you missing a form. Common items that are needed include: (more…)

Are you a college student looking for cheap spring break ideas because you’re on a budget? How about a teacher looking to take a family on vacation for a week? While there are a ton of tropical spring break locations, vacation doesn’t have to break the bank. Try some of these budget-friendly ideas! (more…)

Do you remember being in high school, looking at people in their 30’s and thinking “Wow, I can’t wait! I will have all the financial freedom when I’m that age”? Fast forward to now: credit card bills, student loans, and daily expenses make financial peace seem like an impossible goal. Sure, the future might seem bleak, but there are concrete steps you can take to ease the financial burden on yourself and finally stop living paycheck to paycheck. (more…)

Candy hearts and paper valentines are a thing of the past. This year, give your Valentine something your romantic-self will be proud of and your bank account will appreciate it. Try any of these $50 and under gift ideas, and your Valentine will love your thoughtfulness while appreciating your practicality. (more…)

When customers come into one of our locations, one of the things they want to know right away is how title loans work. The way they work is simple but is it right for your particular situation? If you are struggling to find a solution for you financial hardship or maybe just need some quick cash to cover a purchase, there are a number of benefits to getting a cash loan. Below we outline the benefits as well as the possible downsides of one of these loans. (more…)

From the South West to the North East, America has a vast landscape that differs in each state. No matter what the scenery, each place is beautiful and full of endless vacation spots or road trip destinations. With February vacation around the corner, have you wondered what places are the most affordable? Read on to find out what the bad credit lenders at My Tio Rico have compiled together so that you can visit these priceless destinations at a price you can afford! (more…)

Are you excited and ready for what 2017 has to bring? Everyone at Tio Rico is! 2016 has turned out to be one of the best years yet for both us and our customers, and we couldn’t be happier to continue into the new year with our wonderful staff and each and every one of you. We will have plenty of opportunities to apply for car title loans Arizona programs come the new year, so get ready!  (more…)