It is very easy to let the due date pass on certain monthly bills from time to time. You may need to free up some cash flow for other purposes. Often, those other purposes are more for personal satisfaction other than a necessity. Think about the number of people who forgo a credit card payment to spend a weekend on vacation. Other times, people may simply forget to pay a bill by its due date. Regardless of how or why, your bills need to be paid on time.

Not paying your bills on time, especially a mortgage payment, can damage your credit history and credit score. A poor credit history can have disastrous effects. You will find it hard to borrow money for things like houses and cars. It will be increasingly difficult to refinance a mortgage and you may even find that a less than stellar credit report will prevent you from getting a job.

Paying your bills on time is important and should be among the most important things you do from month to month. You can make it somewhat easier on yourself by placing all of your bills in the same place each month. Whenever you receive a bill by mail, make sure to open it first. If you choose to receive bills electronically, make sure to open the email and set up a reminder system to make sure each bill gets paid on time.

If you have months where you find that your funds are coming up short, there are several alternatives. One of the simplest and easiest ways to access emergency funds is through car title loans. If you have a vehicle with a clear title, you can qualify. Title loan companies like Embassy Loans of Florida are easy to work with and can process your loan very quickly.

A car title loan is much different than a traditional bank loan. Interested parties can begin the process by filling out an application. Many title loan companies, Embassy Loans included, will allow potential borrowers to fill out an application online.

After the application is complete, applicants must verify their identity and residence and provide the title to their vehicle. The vehicle is inspected and assessed for value and then the final terms for the loan are drawn up. The entire process usually takes an hour and then a person has access to his or her funds. A car title loan is an easy way to access emergency funds to make sure your bills get paid on time.