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Should You Get a Second Job?

2nd job

For various reasons, many people eventually find themselves wondering whether they should take on a second job. Living costs are high, and a financial upset such as job loss or medical expenses can be a major setback to your budget. Even a happy event like a new baby can mean new expenses that you will have to cover. Or, perhaps you need to save extra money for a special trip or for college. Whatever the reason, here are some things to consider when deciding to get a second job.

Can You Get a Second Job, and How Much Can You Work?

First of all you should make sure that your current company does not have a policy against moonlighting. Some do – and you don’t want to put your first job in jeopardy.

Look at your schedule and your budget. How much additional money do you need to make in order to meet your goals? Also consider how long you will need the second job for – working two jobs is exhausting, and in most cases not a permanent solution. Also consider what hours you are available to work at a second job. You must make sure there is plenty of time left for sleep and some leisure time, or the stress of working two jobs will likely be too much.

Consider whether you can add extra hours at your first job – an easier solution in many cases than taking on a whole second job. Or, there may be something else you can change with your first job – maybe you are due for a raise or a promotion. Alternatively, maybe you can cut expenses from your budget enough so that your first job is sufficient.

Choosing Your Second Job

If you do decide that a second job is right for you, see if you can find a part time job that allows you to work from home – a job like this will allow you the most flexibility. And flexibility is essential, because you still need to put your main job and your family first. Avoid jobs that have a conflict of interest with your first job, and if your first job is a stressful one, look for a more relaxed job for your second job so that you are not stressed out all day long.

The second job will need to pay enough to be worth the long hours you will be working. Also make sure that you will have a day off from both jobs here and there. Leisure time is essential to maintaining your focus and performing your best.

Have an exit strategy – you probably don’t want to be working two jobs forever. Working a second job temporarily can be a great way to bring in extra income, but it can take time and energy to find a second job, and you will be spending long hours at work and away from your family. If what you need is really just some cash to get you out of a tight spot, consider other options, such as an auto title loan from Embassy Loans. This can be a much easier and quicker solution than getting a second job.



Embassy Loans is a leading provider of auto title loans since 2005

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Embassy Loans Inc. is licensed under the “Florida Consumer Finance Act” and as such Embassy Loans is exempt from any licensing requirements under the “Florida Title Loan Act” to the extent that any of Embassy Loans’ activities involve the making of a loan of money to a consumer secured by bailment of a certificate of title to a motor vehicle.

Monthly Interest Rates range from 1.5% to 2.5% (18% to 30% APR), with 15-18 Month Terms.

No Prepayment Penalties!

Embassy Loans uses “Title Loans” for advertisement purposes only and provides auto equity loans. Embassy Loans Inc. is licensed under the “Florida Consumer Finance Act” under Florida Statute 516 and as such Embassy Loans is exempt from any licensing requirements under the “Florida Title Loan Act” to the extent that any of Embassy Loans’ activities involve the making of a loan of money to a consumer secured by bailment of a certificate of title to a motor vehicle.

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Frequently Asked Questions

What is an Auto Equity Loan?

An auto equity loan, sometimes known as a car title loan or a car equity loan, is a type of loan that allows you to borrow money by using your vehicle as collateral. The loan is secured by your vehicle, meaning you agree to use the equity in your car to back the loan. 

What is an Unsecured Personal Loan

An unsecured personal loan is a loan that does not require collateral. Funds are provided based on your credit worthiness and your ability to repay. 

What Is the Credit Builder Program

The credit builder program is designed to help individuals establish or improve their credit score with the primary purpose of building a positive credit history through regular payments.

Can i have more than one Loan at a time?

Embassy Loans can only extend one loan at a time and it’s advisable to start with one and focus on making payments in a timely manner to prevent default.

What happens if I miss a payment?

Missing a payment can have negative consequences, including late fees, a drop in your credit score, and potential default on the loan. Consistent, on-time payments are crucial to benefit from the program.