The Ultimate Guide For Holiday Shopping On A Budget
Holiday shopping at the best of times is difficult. When you are shopping on an infinitely small budget, it’s even more challenging. Even if you spend the year saving up money, most Americans only have $400 tucked away to handle an unprecedented cost. And, with your money saved up and allocated for the holidays, how are you to handle an emergency during the holidays?
In order to succeed this holiday season, you have to shop on a budget. We have got some tips to help you to make it through. We’ll also cover how you can secure emergency money through Louisiana title loans.
Shopping On A Budget For The Holidays
Shop The Sales
Black Friday and Cyber Monday are great opportunities to save money on Christmas giving. You do not have to be shopping for something big either; you can pick up small token gifts and still take advantage of the sales!
Coupons are another great way to save on your holiday purchases. Most stores offer online coupon codes as well as printable coupons on their website. Even when you cannot combine your coupons with existing sales, they can save you a good chunk of change.
Set Gift Giving Limits
This is, perhaps, one of the most important parts of shopping on a budget during the holidays. Setting gift-giving limits is another way to cut spending during the holidays, and it’s a great way to encourage creativity in gift-giving. It’ll help you learn how much you’ll be able to spend per person which will help keep you beneath your budget!
Some people opt to use secret Santa as a way to limit spending during the holidays. Have each person in your group put their name into a bowl, and then everyone gets to pick out one name (without looking). This way, everyone only has to buy one holiday gift, and everyone in your group gets given a gift too!
Reward programs are helpful during the holidays as well. If you have credit cards that offer rewards, check your balance to see if you are eligible to cash in any rewards points.
Grocery stores are a good place to watch during this time of the year too. Many of them print rewards points on your receipt. Collect those receipts, and you can qualify for a discounted or free holiday meal!
Keep Your Eyes Open
The best way to survive the holiday when you’re on a shoestring budget is to keep your eyes open. Most major retailers run periodic sales and promotional savings from Black Friday through to Christmas eve.
Facing An Emergency? Louisiana Title Loans Can Help
If you are struggling with your budget this holiday season, you may have considered a title loan or even begun searching for “title places near me” or online payday loans, Louisiana. These loans are especially helpful if you find yourself facing an unprecedented emergency this holiday season, but how can they help you?
Title loans are a short-term secured loan that allows you access to up to $1,400 by you offering the title to your vehicle up for collateral. They are fast, easy to apply for, and our streamlined process means you can secure your loan money today, which is handy if you’re in a pinch.
Payday loans are a short-term unsecured loan wherein you can secure up to $300 by offering your most recent paystub. Like title loans, they’re fast, easy to apply for, and you only have to provide minimal paperwork to secure your loan.
The best about both of these loans? You can secure them with any credit score – good, bad, or nonexistent.
The Benefits of Title Loans
Title loans (as well as Louisiana payday loans) can be beneficial if you are in a jam this season. Here’s a breakdown of their benefits:
- A title loan gives you fast access to the money that you need when you need it. You can borrow between $300 and $1,400.
- A payday loan can grant you $100 to $300.
- They’ve both same-day cash options.
- Title loans offer you money without you giving up your vehicle. You keep and operate it as you normally would.
- You can prevent your carefully planned budget from being destroyed due to one unexpected expense.
How Do You Get A Title Loan?
The process of applying for and being approved for a title loan is easy. The first step is to fill in a quick online form. This form provides us with your basic information so that an accounts manager can contact you directly.
After you submit the online form, a representative from the lending company will contact you via phone. During the call, they will ask you if you have any questions about the title loan process. They will then ask a few questions to determine how much money you can get.
You’ll also be asked to provide a few pieces of information, which includes:
- Your driver’s license
- The title to your vehicle
- Your vehicle for inspection
Your next step is to fill in and submit a loan application. Once your application is processed, you can have a representative from the company to meet you at a specific location (or you can head down to a local store.) The representative will then assess your car and make sure that your vehicle is lien-free and check your driving license to verify your identity.
The final step is for you to get the money you need, which usually happens on the day of your application or the day after.
Is A Title Loan A Good Option For You?
Title loans offer emergency financial relief in the event of an unexpected expense. For example, if:
- Your car needs a new transmission
- Your water heater at home has stopped working
- Your child has broken their leg
In these situations, you have a significant, unexpected bill that will destroy your strategically planned family budget and leave you digging out of a hole for months, even years! Instead of sacrificing your holiday budget to handle your emergency, title cash loans are easy to find and even easier to apply for with us. Start your application today.
Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.