Are you getting antsy to do some fall traveling? Why wait?! Fall is one of the best times to go on an adventure, and for following destinations, having small budget doesn’t matter! The Albuquerque NM title loans experts at My Tio Rico have compiled a list of affordable and exciting cities they recently visited that are up and coming when it comes to travel. Check out these locations around the United States that’ll get you itching to pack up your suitcase and hit the road! (more…)
This time of year, it’s hard not to see commercials or read blogs about the all the back-to-school sales at all your favorite stores. If you want to get the most out of your money while getting the kids ready for school ahead of time, why not take advantage of these sales the right way? Save big for the upcoming school year by following these 5 special My Tio Rico tips. (more…)
The unexpected, high-cost events that occur in life always seem to come when money is tight. Sometimes these costs leave us falling behind on our regular monthly bills. Between expenses for rent, electricity, water, cell phone, car, insurance bills and more, it’s hard to keep up with all these varying due dates. It doesn’t matter if you’re short on funds or living paycheck-to-paycheck, being late can impact your credit and cause some serious consequences. Tio Rico are here to help make sure that you avoid eviction, pesky late fees, and a plummeting credit score. Here are our top 4 tips to staying on top of your bills:
College is an exciting new time in life, but with knowledge comes debt. From textbooks to crazy tuition prices on the rise, many people are wondering how they’re going to be able to afford it. Although getting through four years of college while staying in good financial standing is almost impossible nowadays, the experts at My Tio Rico have the right tips to keep you on track to saving as much as you can during the school year.
Impulse buying: we’ve all done it. Whether in the grocery store, at the gas station, or in your favorite clothing store, an impulse buy usually pertains to purchasing something unnecessary without having planning to do so in advance. This type of buying tends to happen when we’re bored or in an extreme of emotion. However, this type of expense can add up rather quickly. Learn what you can do in order to avoid these impulse buys or what you can do to make up for that loss by applying for loans in Arizona through My Tio Rico! (more…)
We all dread it, costly summer energy bills. Do you ever brace yourself before opening the envelope or as the online payment page opens? The summer can be the best time for a lot of things, but overpaying on your energy bill because of the heat isn’t one of them! Lucky for you, the New Mexico car title loans experts at My Tio Rico know just what you can do to ensure that you aren’t overspending on your bills. Check out the following tips in order to save money–and energy–now!
1. Set your thermostats
Setting the thermostat and maintaining it at the same level should decrease your energy by at least a small amount. It’s also a good idea to make sure that your kids stay away from turning it up or down. (more…)
Buying your first house is unequivocally one of the most overwhelming, yet exciting experiences you can go through. The process involves seemingly endless amounts of paperwork, infinite choices, and tons of other things you need to be on top of at any given moment. The Auto Title Loans Arizona experts at My Tio Rico have compiled a step-by-step guide to help you make sure you know exactly what you’re doing while maintaining a good idea of your finances, visits, and sanity!
Like most Americans, you probably spend a big part of your budget on food and groceries. Typically, the average family’s food costs per month average about $800. For many of these families, it may be hard to stay on a healthy diet because quantity can overpower quality when it comes to being on a tight grocery budget. Children in these families may be more apt to consume foods that have higher calories and lower nutrients than other options, ultimately leading to a greater possibility of long-term health problems and obesity.
Healthy eating is absolutely worth the investment. Shopping for items that are exclusively organic may be unrealistic and may break the budget but with a little planning and creativity you can create healthier meals and provide nutritious snacks for your family. The goal of this post is to show you that you can shop healthy while still staying in your budget this summer. (more…)
If you’re looking into auto title loans, you may have seen mixed reviews about this loan product come up in your research. It is always good to ways the pros and cons of a big financial decision but if you have bad credit a title loan may be a good choice for you. The benefit of taking out a title loan is that it offers cash almost immediately after you’re approved. You can use this instant cash opportunity to pay off that unexpected medical bill or other high-interest debt. In turn, by paying off your debt and responsibly paying back the auto title loan you can boost your low credit score.
You already know that New Mexico is known just as much for its beautiful landscape as it is known for enterprising and hardy residents. But did you also know that Tio Rico Loan Centers offer unmatched service and products in the New Mexico area?
It’s unfortunate that the problems facing most New Mexicans along with the rest of America include high debt due to high-cost life expenses. While you wait for your next payday, we have many different cash loan options for those needing to pay for ongoing home repairs, groceries for the family, or unexpected medical bills.
When bills continue to pile up, New Mexico residents consistently rely on Tio Rico for quick and reliable cash loans.It doesn’t matter if you have good credit, bad credit, or no credit history, we are always willing to sit down and discuss what your financial options are.
Our title loan application is quick and simple, and we’re always available via phone if you would prefer to speak with one of our friendly customer service representatives. Get a head start towards a better future by visiting one of our many locations today.
Did you know that 62% of Americans don’t have an emergency savings fund? Or that 47% of households don’t save anything at all? And that 76% of Americans say they are living paycheck-to-paycheck. What many people don’t know, is that you don’t have to live your life like this. With Tio Rico, you can break that paycheck-to-paycheck cycle and commit to taking charge of your financial life. Here are three steps to help you get started!
1. Examine your current budget and spending habits
In order to say goodbye to living your life via the paycheck-to-paycheck cycle, you should commit to tracking your spending. Evaluate how much money goes whereby creating a spreadsheet that lists how much you’re spending on food, clothing, gas, etc. Are there any surprises? Do you realize how much you were spending, and on what? Purchases such as coffee, happy hour outings, and even online subscriptions really add up. Are there things that you can eliminate? If yes, then start now. (more…)
You may be thinking “what are personal loans used for?” A personal loan is a loan taken out for virtually any particular, personal need you may have. For many, personal loans are used in order to make large home-related purchases such as a new stove or a washer and dryer, as purchases like these can be much larger than a paycheck for an entire month. Other times, personal loans are reserved f
or needs such as debt consolidation, a wedding, or a vacation.
Advantages of taking out a personal loan could be to gain special benefits only offered by credit card companies or retailers. An example of this may be any scenario where you transfer credit card balances into an account with a 0% rate and pay off as much as possible during the time frame that the rate is applicable for. At the end of that time frame when the rate is due to increase would be a great time to pay off your remaining balance with a much lower interest personal loan.
Need bad credit help? Want to pay off your credit card or loans quickly? The auto title loan specialists from Tio Rico can help you get out of debt quickly and on your own. Just follow these simple steps to smart financing so you can move on with your life and stop worrying about money right now!
1. Learn to control your debt
First and foremost, you need to recognize the necessary steps to control your debt. You need to commit to permanently changing and stopping any behaviors that got you into debt in the first place. Confront your debt head-on. This may be obvious, but you also need to be able to make and save enough money in order to repay the debt. This takes time as you know, money doesn’t grow on trees. In order to do this, you may need to minimize your purchases and live a little less luxuriously.
Good news! Auto title loans are not based on your credit score which means this type of loan can be the perfect fix to raising your credit score. Increasing your credit score, better your financial options in the future. For some, low credit scores may mean that it’s completely impossible to qualify for any type of loan or credit card– which can be a hardship these days. Learn how to pay off some of your debt and increase your credit score by applying for a vehicle title loan with Tio Rico Te Ayuda! (more…)
Do you have little, no, or bad credit? Getting a loan may not be one of the easiest options for you, but that doesn’t solve your issues of living paycheck to paycheck with constant bills coming in and life’s unexpected turns being, well, unexpected. When times are tough and you need to find a way to get ahold of money fast there are very few options. However, one of the best options available is a car title loan. This loan allows you to access money quickly by using your car as collateral for the lender. And lucky for you, Tio Rico Te Ayuda has the best auto title loans! (more…)
How much money should you have saved for life’s unexpected events? More importantly, how do you make room in your budget to finance an emergency fund? The experts at Tio Rico Te Ayuda are here with tips to help you learn some quick and easy ways to get your emergency fund started! (more…)
What do auto title loans, car title loans, pink slip loans, title loans, and payday loans all have in common? All of the loans listed, with the exception of payday loans, are all the same thing. Auto title loans come in many different name variations, but they all serve the same purpose, which is borrowing money using the borrower’s car as a security deposit for the lender. In any of these cases, a copy of the borrower’s vehicle title is temporarily given to the lender as collateral. So what about payday loans? A payday loan is an unsecured, short-term loan where the borrower must present to the lender their previous payroll or employment records in order to utilize the loan. (more…)
What is a personal loan?
If you need some quick cash and are thinking a personal loan is right for you, you should learn more about what a personal loan is. A personal loan is a fast, short-term cash loan where you can borrow as little as a few hundred dollars up to $1,000. Many times life can throw us a curveball, like a broken down car or flooded basement. Instead of these unforeseen situations wreaking havoc on our wallet, it’s best to consider getting a personal loan. Here at Tio Rico Te Ayuda we make the process of applying for the loan and getting the money you need painless and fast, in a little as 30 minutes! (more…)
Cars are expensive, so keeping your vehicle in the best condition possible throughout the entire time you own it is very important. No matter what, all cars lose their value over time, so here are some tips to slow down that car depreciation process and keep that hard earned money in your pocket. (more…)