holiday shopping on a budget

The Ultimate Guide For Holiday Shopping On A Budget

As great as the holiday season is, there's no denying how much strain holiday expenses can put on your wallet. While the myriad of holiday discounts and promotions may make it seem like we're spending smart, the truth is it's almost too easy to spend over budget. This holiday season, don't let your holiday costs put a dampen on your holiday spirit. Check out these tips and tricks on how to do your holiday shopping on a budget. We’ll also show you how you can secure same-day emergency cash through title loans, Wisconsin.

Make A Budget (And Stick To It!)

Before starting your holiday shopping, make a budget to determine how much you will spend. The budget should be realistic - there's no point making a budget you can't stick to. Keeping a budget prevents you from overspending, as you have a set goal in mind. Without a budget to stick to, it may be easy to spend more than you need to.

When it comes to buying presents, a good idea is to agree on a mutual spending cap. This way, you won't be pressured into spending superfluously on presents.

Shop Early

Another key tip to preventing yourself from overspending is to shop early. When you shop early, you give yourself time to choose the best presents, as well as the best prices. Decide what you want to buy beforehand and track the prices of the products if you can. This way, you'll know when the best time to buy is.

Avoid leaving your holiday shopping to the last minute, as you may end up impulse buying and overspending more than you need to.

Shop Smart

It's as important to shop smart as it is to shop early. Look for discounts and promotions and aim to shop at a set number of stores. You don't want to get tempted by unnecessary products, so if you have a list of items and/or stores, you'll be able to stay on track.

It also helps to compare the prices of the products you want to buy in different stores. Some stores may be offering the same product at a discounted price, for example. In addition, many of us tend to forget about coupons and vouchers that we may have. Make use of them!

Need Emergency Cash? Get A Title Loan

If your holiday expenses become jeopardized by an emergency like a surprise medical bill or a dire home repair, an option worth considering is taking out a car title loan.

What Is A Title Loan?

Title loans are short-term, unsecured loans wherein borrowers put up their car titles as collateral, in exchange for a loan amount agreed on with their lender. Title loans are a popular recourse for people facing financial situations that require immediate cash, such as home or auto repairs, unexpected travel costs, or high medical bills. This is because title loans online are super easy to get and have much fewer requirements than traditional loans.

Why You Should Take Out A Title Loan

There are tons of benefits to taking out a title loan, which is why it's an option many people tend to opt for. Here are a few of the advantages of getting a title loan.

Fast Access To Cash

One of the biggest advantages of taking out a title loan is how quickly you can get your hands on the cash. Typically, borrowers can expect to have their hands on the cash within 24 hours of applying for the title loan, and sometimes within hours.

With Wisconsin Title Loans, Inc. you can get a title loan within 30 minutes!

  holiday loan

Fewer Requirements, Less Paperwork

Title loans are different from traditional loans, in the sense that they have much fewer requirements. To be eligible for a title loan, you don't need much apart from a valid government-issued ID, proof of your vehicle registration, and an active bank account. You also don't need to worry about your credit history when applying for a title loan. Title lenders aren't bothered about credit score.

Keep Driving Your Car

When you get a title loan, you'll only need to surrender your car title, but not the car itself. Which means you can keep driving your car!

Simple, No-Frills Process of Applying

The process of taking out a title loan is very easy. Here is a step-by-step guide:

  1. Start your application by filling out and submitting the form found on our homepage.
  2. You’ll receive a call from a representative who will schedule a meeting to have your car inspected.
  3. You’ll meet with the representative who will determine how much you’ll receive.
  4. After some brief paperwork, you’ll receive your title loan!

Shopping for the holiday season on a budget is difficult, but securing emergency loan money when you need it most doesn’t have to be. That’s why we offer title loans online to maximize convenience for you. 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.

Louis Tully

Louis Tully is a full-time finance writer offering financial expertise to everyday consumers. He understands the core values of finance and used his writing talents to share his own experiences with money to his readers. His articles teach how financial failures can easily become successes by making new habits and creating realistic goals.