We know there are many reasons why you may need a quick cash loan. With emergency savings not always available and debt levels rising, more people just like you are turning to installment loans in Mississippi to pay for emergency expenses that pop up.
Taking out a loan is a significant financial decision. Because emergencies do arise and immediate access to savings isn’t always available, an installment loan from Speedee Cash can offer you the quick surge of funds that you need. However, you want to be smart about borrowing money.
The temptation with financial loans is to borrow an even bigger sum than you initially required. You’ll want to carefully consider this detail and discuss your situation with a knowledgeable associate at one of our Speedee Cash branches. It’s in your best interest to take out as much as you’ll need to cover your expenses, but no more. This will ensure you will be able to make the monthly installment loan payments without incurring additional debt.
Anytime you borrow money, finance a purchase, or take out a loan, you should carefully consider if it is the right decision for you. Borrowing money means that you are committing to pay the money back within a specific time frame and at a particular interest rate.
Having a list of money savings goals – whether they be daily, monthly, or yearly – is a smart way to start the year. In our previous blog post, we discussed how weekly savings and budgeting is a great way to build your nest-egg. However, finding ways to spend less and save more every day, month, and year will help to grow your savings even more.
Here’s a list of daily, monthly, and yearly savings tips that you can start incorporating into your life immediately.
Daily Savings Tips
- Coffee: Skip buying that daily cup of joe and make a to-go cup from home.
- Groceries: Buy your groceries in bulk at wholesale stores like Costco or Sam’s Club, and do a meal plan once a week so that you can buy only what you need.
- Wait to Buy: To help quell your impulse buying habits, wait at least 24-48 hours before spending money on things that cost over a certain amount.
Monthly Savings Tips
- Cut Out Cable: With services like Hulu, Netflix and Amazon Prime, you can now watch your favorite TV shows and movies for a fraction of the cost of cable TV.
- Cell Phone: Reduce your cell phone bill by lowering your plan.
- Lower Your Car Payment: Refinancing your auto loan to take advantage of lower interest rates could save you $1,000 or more over the life of your loan.
- Set savings goals: Think about why you’re saving. Are you getting ready to buy your first home? Are you planning a wedding? Are you saving for your children’s college education? Keep that picture in mind to help motivate
- Boost Your Income: Approach your boss about a raise or find other secondary means to increase your income.
- Retirement Savings: If you can, plan to save as much for retirement as possible within the annual limits.
Saving over the long term doesn’t just happen. It requires you to save as much money as you can by monitoring your spending habits and cutting expenses. It’s not always easy to save money, and sometimes you may require the service of an installment lender in Mississippi when you are in need of emergency funds, but it’s possible with the right priorities and a well-executed plan to start saving for your future today.
If you’re wondering whether an installment loan is right for you, then you’ve likely run into some financial troubles that require access to immediate funds. Fortunately, Speedee Cash offers a variety of short-term loan options that offer you a quick injection of cash with very little turnaround time.
First, installment loans in Mississippi are designed so that you, the borrower, pay back the money over a period of time with predetermined payments each time. In most cases, these payments, or installments, are made on a monthly basis.
Here are some important details you should be aware of in order to decide if an installment loan is right for you:
- Length of Term: When it comes to loans, your ability to pay it off is what matters. A Speedee Cash associate will assist you in understanding exactly how much the loan will cost and how long you have to pay it back.
- Interest Rates: Borrowing money isn’t free, but Speedee Cash service offerings are designed with your financial needs in mind. We keep our costs affordable to allow you access to the short-term funds you need.
- Flexibility: Installment loans vary in the dollar amount and in the number of months to be repaid. Unlike payday loans, installment loans can be taken out for larger sums of money, ranging from $100 to $1,000.
- Speedee Service: Depending on the service you choose, our quick application and approval process can get you the cash you need in a matter of minutes. We make the process easy. Just bring your photo ID, proof of income, bank statement, checkbook, and any other necessary documentation (such as vehicle title) to one of our locations.
Find the financial relief you are looking for with Speedee Cash’s short-term financial offerings. When you need cash now, our many locations have the solutions to get you back on financial track.
One of the top money-related New Year’s resolutions is to save more money and spend less. That’s easier said than done, of course. Committing to smarter money habits requires more than an empty resolution. It requires educating yourself on your earnings and spendings, and some good-old willpower to save when you’d otherwise like to spend.
Saving money doesn’t have to be hard, but it does take practice. Once you’re in the habit of consistently putting money away, it’s possible to save enough for emergencies and family vacations each year. Here are a few tips for setting realistic goals and promoting continued success throughout the year.
Start Saving Now: Start small and save often with as little as $20 per week.
Automatic Savings: The easiest way to stash money away is to make sure you never have it available to begin with.
Budget and Track Your Spending: It’s critical to know where your money is going after each payday, particularly if you’re trying to develop better financial habits.
Eat In: Money spent outside the home on food is one of the most flexible aspects of budgeting, and that makes it a prime category to cut back on when trying to save.
Get Help: Are you overwhelmed by financial management tasks? Consider asking a friend for help or working with a professional financial planner to get started.
Boosting your savings and transforming your finances doesn’t happen overnight, which means there may still be times you’ll need short-term loans in Mississippi when emergencies arise. SpeedeeCash is always here to help get you back on your feet. Contact us today at 888-432-4434.
Black Friday is just days away, which means the official start to the holiday shopping season is here. Since you’ve already secured your check advance in Georgia, and with that your spending budget is set, here are some holiday shopping tips to stretch that budget to the max.
Know Your Budget: Make your budget non-negotiable and keep a running log of what you spend.
Make a List: Make a detailed list of who you are buying for (including family, friends, teachers, co-workers, and anyone else for whom you typically purchase a gift for), how much you can afford to spend per person, and an idea of the gifts you plan to buy. This will keep you focused and help you to avoid overspending.
Shop Smarter: Do some research before you start to shop. Find the best deals first, whether they are online or in-store.
Get Creative: Not every gift needs to come from a store. If you have a long list of people to give gifts to and you’re wondering how you’ll ever afford a gift for all of them on your budget, consider some homemade gifts. You can make a sweet treat for your neighbors, create a handmade picture frame and include a throwback photo of you and your bestie, or have the kids’ create keepsakes for grandma and grandpa. Gifts of your time and talent are just as meaningful, if not more so than gifts that cost lots of cash.
Don’t procrastinate: A guaranteed way to overspend is to wait until last minute and buy all of your gifts in a rush.
Holiday shopping doesn’t have to be stressful. With a solid plan in place and budget set in stone, you can shop with ease, enjoying the process of finding the perfect gifts that will bring Christmas joy to your friends and family. Happy Holidays from Speedee Cash!
An emergency comes up, and you need money fast. But the amount you need exceeds your savings. How do you get a quick surge of cash without hassle? It’s possible to get a quick personal loan to cover your short-term cash dilemma with help from Speedee Cash.
Short-term money lenders like ourselves offer fast turnaround when you need a loan now. Before borrowing, it’s important to know the requirements for application of a payday loan, so you are prepared when you apply.
- You must be 18 years or older (19 in Alabama) to legally enter into a payday loan agreement.
- You must present a valid government-issued photo ID.
- If you live in Alabama, you must provide a social security card.
- You must bring a personal check that we will hold as collateral.
- You must have an open and active checking account. If you live in Alabama, your checking account must be open for a minimum of 30 days.
- You must bring a recent bank statement and proof of income.
The process of applying for and then getting a short-term loan from Speedee Cash is fast and straightforward. We offer a wide variety of flexible lending options that are convenient and are sure to fit your needs. If you are interested in learning more about our title loans in Georgia, or any of our loan options, contact us today at 1-888-432-4434.
With Thanksgiving and Christmas right around the corner, you’re probably anxiously awaiting your annual trip to your hometown to visit with family and friends. But then you realize that a trip with your family requires money. The money you don’t currently have. Sometimes extra money isn’t there, plain and simple. When other expenses take most of your budget away and waiting for the next paycheck won’t change your financial dilemma, applying for a short-term loan is a convenient way to get access to cash immediately. A short-term loan, in the form of an installment loan, can make holiday travel funds available to you when the need is high, and the money is low.
At Speedee Cash, the process to secure short-term loans in Mississippi is an easy one. Whether you need cash to purchase airline tickets; to rent a car; for gas, food, and lodging en route to your holiday destination; to buy groceries for that big holiday meal; or for gifts, short-term installment or a title loan is a smart way to obtain money quickly.
Short-term loans in Mississippi have many benefits, but it’s essential to do your homework to ensure you’re taking out the right loan for you. Speak with a friendly staff member at one of our many Speedee Cash branches to discuss loan options and repayment plans.
Christmas shopping can’t always wait until you’ve got a healthy nest egg set aside before its time to start making those holiday purchases. With Christmas just ten weeks away, it’s a smart idea to start planning now, especially if you’re currently living paycheck to paycheck. Get the extra money you need and make the holidays less stressful on your budget with short-term financial solutions from Speedee Cash.
We’ll work together to ensure that the holidays are special for everyone on your shopping list. When you need money, fast and easy, we are here to provide you with a check advance in Mississippi or an installment loan.
Getting an installment loan for your holiday shopping has many benefits. With an installment loan, you’ll receive a monthly payment plan that is affordable. Without all the stress and worry if you’ll be able to provide a wonderful Christmas for your family, you can borrow the money now and make minimal payments each month until your loan is paid off.
Installment loans are also safer than using a credit card, which makes it easy to overspend. You’ll know exactly how much you have to spend and you can never spend more than you received. Also, you’ll be able to shop with confidence knowing that you can afford the monthly payments afterward. Consider your financial situation leading up to the holidays and stop into a Speedee Cash location to learn more
Are you short on cash that is needed to make an emergency purchase and you are wondering if a payday loan is the right solution to solve your short-term financial problems? When used responsibly, payday loans in Mississippi can be a helpful temporary fix. Unfortunately, they are sometimes used incorrectly and only exacerbate a tough financial situation. Knowing the difference between when you should and should not use payday loans is key to responsible money management.
When To Use Payday Loans
- Emergency medical bills
- Car repair bills
- To replace a broken household item such as a refrigerator, water heater, or HVAC system
- To save on hefty late fees/nonsufficient fund charges
- Avoiding a bounced check which can affect your credit score
- Short on cash but can quickly repay the loan on payday
Using payday loans responsibly can help with an emergency repair or save you from expensive fees when you can’t otherwise afford them. Speedee Cash is here to help you with your short-term financial needs. Call us at 1-888-432-4434 or stop into one of our many convenient locations throughout Alabama, Mississipi, Tennessee, and Nevada, and find out if a payday loan is a right fit for your financial situation.
Short-term loans, also referred to as cash advances, are a quick and simple way to get cash quickly on short notice. People just like yourself fall on hard times with emergency bills, or last-minute purchases that can’t wait, and utilize this form of credit to make ends meet. When your car needs immediate repairs or the hot water tank breaks, you don’t have time to apply for a traditional loan. You need same-day short-term loans in Mississippi to get you out of a jam. However, short-term loans should be used responsibly, as they aren’t intended as long-term solutions. Consider this list of do’s and don’ts to help manage your short-term loan needs.
Do Budget Well: Ideally, you want to repay your outstanding loan as soon as possible. Before you apply for a short-term loan, think about whether you would need the loan if it were payday. If the answer is no, this means a payday loan would work for you, as you’ll be able to pay it in full on your next payday.
Don’t Overborrow: Short-term loans are beneficial during a temporary cash shortage, and you need quick access to funds, but they are not a long-term financial solution. Only borrow as much as you need and can pay back under the agreement terms of the loan.
Do Repay ASAP: Except for payday loans, which need to be paid immediately, other forms of short-term credit, such as installment loans, have longer terms. Making the minimum payment is critical, but it’s also a good idea to repay them as soon as possible. This way you’ll minimize the chance of running into more financial issues down the road.
Whatever you do, be sure you understand the terms of your loan. If you’re going through a stressful time when you’re taking out a short-term loan, it’s easy to miss important details or skip over crucial information. At Speedee Cash, we’re here to help you through our easy loan application process and understand the terms of repayment.