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5 Tips to Help Keep Your Holiday Spending from Getting Out of Hand

HolidaysThe holiday season is upon us and with it comes the spending season. The damage that overspending does to our budgets is the thing many of us dread most about the holiday season. But you don’t have to break the bank to enjoy the holidays; here are five tips for keeping December spending in check.

 

  1. Don’t buy a real tree. If you haven’t done so already, buy an artificial, pre-lit tree. Real trees are a rather large expense that can be avoided each year by having an artificial model. In many areas, a nice size full tree will cost well over $100. If you do not have a fake tree, wait until the end of the holiday season and search for markdowns. This can save you an easy 100 bucks each year.
  2. Watch the gift cards. When you are shopping for family members or friends and have no idea what to get them, gift cards probably come to mind. The problem with giving a gift card is that the recipient knows exactly how much you spent. Typically when people give gift cards, they spend more than they would if they bought an actual gift.
  3. Movies. The holiday movie season seems to present us some of the best pictures that we see all year. The problem is that we usually don’t go by ourselves. We take the entire family, and this can make for a very expensive night out. Throw in a couple sodas and popcorns and it only gets worse.
  4. Go easy on wrapping gifts. Number one, wrap your own gifts. Sure, there is free gift wrapping available but you will feel obligated to leave a donation or a tip. Do not pay for gift wrapping and when you are out buying wrapping paper, think minimal. Paper, bows, ribbon, tags, and more can add up very quickly.
  5. Don’t pay for shipping. Start your Christmas shopping early and do some, if not all, of it online. Most online retailers will offer some incentive like free shipping on certain orders. Take advantage of it – shipping costs can add up.

 

If you are careful, you can save hundreds of dollars each holiday season by following the above tips. If you do splurge and go overboard this holiday season, consider a car title loan from Embassy Loans to consolidate your holiday debts and get them paid off quickly.



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.