December 19, 2017
Sure, most of us know how to budget, especially when money is tight. We’re typically on top of monthly expenses such as mortgage or rent payments, credit card bills, student loans, utility bills, phone and internet service, and all those other monthly charges such as our Netflix or Hulu subscriptions. Even when we’ve got every other regular, recurring payment mapped out and budgeted for, however, annual expenses can sometimes catch us by surprise. That’s when we may need to turn to Google and search for a “title loan near me” in order to find a quick resource for the cash we need that requires no credit check and lets us keep the full use of our vehicle while repaying the loan. How can a title loan be used? Let’s take a look at some of the unexpected expenses that you may encounter throughout the year and see how a title loan near you can help.
All Those Annual Fees and Dues
Fees that we pay every month are easy to remember, and after a while they just become a habit. But those fees and dues that only come up once a year often feel like they come out of nowhere and can really catch us all off guard. These once-a-year-expenses can include a family membership to a local museum or zoo, an Amazon Prime subscription, professional licensing fees, AAA membership, magazine and newspaper subscriptions, even warehouse club membership fees that allow us to keep making those money-saving trips to Costco or Sam’s Club. Then there are pet tags and licensing fees, depending on where you live. Plus, some folks have annual union dues, and if you’re a small business owner there’s liability insurance and business licensing fees that come due every year. And of course, tax season always rolls around whether we want it to or not.
When those annual fees, dues, and subscriptions creep up on you, it’s good to know that some financial relief is as close as a quick search for a “title loan near me.”
Title Loans to Cover Household Expenses
Owning a house is a great investment, but there’s no denying that it also costs money. Throughout the year, there are always a variety of expenses—some expected, others not so much—that come along with home ownership. Many people pay their HOA dues in one lump sum at the beginning of the year rather than having to remember to send a check every month. There’s also homeowner’s insurance and taxes if they’re not escrowed in with your mortgage payments. You’re also bound to have expenses for home maintenance and repair, a never-ending part of owning a home. There’s the basic stuff, such as gutter cleaning and tree trimming, and then there are the unexpected problems, such as a furnace, refrigerator, or other major appliance going out.
Whether you find yourself a little short when it comes time to cover that homeowner’s insurance bill—which can run upwards of $1,000 for many homes—or need quick cash to replace a major appliance, a title loan near you may be just what you’re looking for.
Personal Expenses Throughout the Year
Sure, birthdays and anniversaries always come around on the same day every year, but that doesn’t mean that we’re always thinking about them or planning for them far enough in advance. Whether it’s your tenth wedding anniversary, your mom’s birthday party, or just that annual family vacation, personal milestones have a tendency to fall at times when money is already tight for some other reason, which can put a strain on what should be a fun and joyful occasion.
Perhaps less pleasant but still inevitable are other personal expenses that crop up year after year, whether that means bills for annual physicals, dental exams, eye exams, life insurance premiums, pet wellness visits and vaccinations, or tuition and other education-related expenses. Plus, many people make their annual charitable donations at the same time each year. Most of that can be budgeted for, but when it coincides with some other expense, cash can get a little tight. That’s when it’s a good idea to seek out a “title loan near me” for some relief.
Title Loans Near You for Auto Repairs and Related Expenses
After housing, transportation is the biggest item on most household budgets. In fact, the average American spends more than $9,000 per year on transportation-related expenses. Sure, you have to put gas in your car every week or so, but there’s so much more that goes into getting around, such as auto registration fees and property taxes, insurance premiums, regular maintenance, or even new tires and brakes. And that’s assuming that nothing breaks down! If you own a motorcycle, RV, trailer, or boat, you’re probably looking at more taxes and fees, which can really stack up.
Title Loans Near You to the Rescue!
What it all boils down to is this: As you go through your year, expenses are going to accrue. Some will be expected, recurring, and predictable, while others will seem to come out of nowhere. Whatever happens in your life this year, however, you can find a valuable solution by searching for a “title loan near me” in Kansas City.
At Midwest Title Loans, we never require a credit check, and all you need to get a title loan near you is a car with a lien-free title and a photo ID. You’ll fill out some simple forms, and you can drive off with your car and the cash you need in as few as 20 minutes! And because our title loans range from $150 to $5,000, there’s a title loan for you that fits any budget and any need. Plus, with three great locations in Kansas City, including Overland Park, Gladstone, and St. Joseph, you’ll have no trouble finding a “title loan near me!”
Don’t Let Unexpected Expenses Ruin Your Year
It’s always a good idea to budget for annual expenses—whether that means entering reminders in your smartphone or jotting them down in your day planner—but even the most carefully managed budget gets strained from time to time, especially when unexpected expenses crop up. When that happens, it’s good to know that a quick Google search for a “title loan near me” can help you find the cash you need to prevent unexpected expenses from ruining your day, your week, or even your year.
You can get started today by visiting one of our convenient locations or contacting Midwest Title Loans in Kansas City, or make the process even faster by filling out our Online Title Loan Information Sheet!