Blog

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…)

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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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…)

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…)

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…)