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  • piggy_bank

Ways To Save Money

By |June 2nd, 2016|

piggy_bank

There are many ways to save money.  It is just a matter of budgeting and only spending on what you need.  Here is just a sample list.

  • Cook at home instead of ordering out or going out.
  • Bring packed lunch to work and make your own coffee at work. Americans spend an average of $250 a month on lunch and coffee. That is about how much you spend on car payment.
  • Set up a budget. Itemize your necessary expenses and allot for savings before thinking of spending on other stuff.
  • Make a grocery list and buy only what is needed when you go to the market. Do not go grocery shopping when you are hungry because you tend to buy more of what you want than what you really need.  Use coupons when shopping.
  • Set a budget for going out and stick to it. There are a lot of activities that you can do with your family and friends without spending a lot of money. These are just some of them:
    • Have picnic at the park with your family and friends.
    • Play and swim on the beach.
    • If you want to watch a movie in the theater, do it in the morning or early afternoon and pay for matinee tickets.
    • Organize potluck with your friends and invite them over to your house.
    • Go camping and stargaze at night.
    • Go for a hike with your toddlers and/or preschoolers, and ask them about the animals and plants that they see.
  • It is very tempting to buy your kids toys even when there is no occasion. Be creative, do some art work with them out of toilet paper roll and any other available materials in your house. If you look online, you will get a lot of good ideas. You can even play music using your baking pans, and wooden spoons and spatulas. Your kids will definitely have a blast!
  • Recycle your papers, cans, bottles and plastic. It is good for the environment and you can also get money out of it.
  • Do you really need cable TV that costs you from $50 to $100 a month? How often do you even watch TV and is it even worth it? There are a lot of other ways to have entertainment without costing a lot.  Try canceling your cable TV subscription, you will be surprised to realize that you do not need it.  You can also subscribe to online TV and movie options, or to other premiere channel for way cheaper cost than your regular cable TV subscription.
  • Do you pay for gym membership? Do you even use it?  There are a lot of good exercises that you can do at home and you can always run around your neighborhood for your cardio exercise.  You can also check out your local park if they have free exercising activities.

These are just a few examples on how to save money.  Try making your own list and we are pretty sure you will find more ways. It is very tempting to buy something when you are in the mall or browsing online but always get into the habit of checking first if you really need it.  Look at all the shoes, clothes, purses, gadgets and other stuff that you have accumulated from past purchases and ask yourself if they are really worth it.  It might have given you a temporary satisfaction when you bought them but do you really need those?  Do you even have savings equivalent to the money that you spent on those or are you still making payments on those on your credit card?

If you are in situation where in you need money because of personal and emergency needs, and you do not have any savings, car title loan is a good option to get that money right away.  Sabre Lending LLC will help you get the money that you need.  As long as your car has at least $4,000 wholesale value and is fully paid or there are small balance left to pay off your vehicle, you can qualify for auto title loans.  It is easy to get a car title loan, you just need to provide your vehicle’s original title, proof of residence, proof of income, proof of insurance, driver license and references.

Sabre Lending LLC encourages you to try to save money and work in a budget.  Pay your car title loans on time, make more than your monthly payment if you have that extra money or even pay off your car title loan early if you can.  That way, you can be in better financial situation and only use title loan when you need it.  Sabre Lending LLC will also reward you when you make your monthly payment on time or early.  We are here to help you all throughout your loan cycle.
car title loan california only with Sabre Lending, LLC.

  • want_vs_need

The Truth About Car Title Loan And Why You Need It

By |May 20th, 2016|

want_vs_need

Car title loan, also known as auto title loan or pink slip loan, is a personal loan that is secured by the equity of your car.  You give your car title (pink slip) in exchange of your loan and the lender is added as a lienholder to your title while you get to keep and drive your car.   Once your auto title loan is fully paid, your vehicle title is returned to you.

Getting car title loans might be a bad idea for some but it becomes a good idea when it is used for the right reasons.  You should get a car title loan when you NEED the money and not because you want the money!

The truth about car title loans or auto title loans:

  • Car title loans help individuals and family meet their emergency and personal needs when they are turned down by banks, friends or even their family and relatives.
  • Auto title loan is a good alternative or solution to meet your financial needs as long as your title lender analyzes your capability of paying your loan back in a monthly payment that is affordable to you.
  • Interest rate can be costly but the car title lender analyzes the risk involved and needs to allot for possible losses and expenses in case the customer defaults on the title loan.
  • Borrowers can still use their cars that are essential to their daily lives.
  • Title lender only charge you for what you borrow unlike banks that charge you for your own money when you cannot meet their minimum deposit requirement.  Some banks will charge you $12 monthly maintenance fee if you do not maintain a daily balance of $1,500.  No wonder there are still a lot people who cannot afford a bank account! Why get charged for your own money? Your “supposed to be” savings diminish for not maintaining a daily balance that is too high.
  • Car title loan is a simple interest loan. You only get charged interest on the principal balance of your auto title loan.  You can pay less interest by paying more than your monthly payment or even by paying earlier than your due date.
  • Auto title loans have no prepayment penalties so you can pay your vehicle title loans early without incurring any additional cost.
  • Repossession is a final measure. There are a lot of expenses incurred when a car gets repossessed and the outcome is not desirable for both borrower and lender.
  • Getting auto title loans is normally fast and easy. You can apply for title loans online or on the phone, and get approved instantly. Once you submit all the required documents, you can get your money right away.
  • Car title loans have no annual fees.
  • Auto title loans are way cheaper than a payday loan.
  • Car title loan is a better alternative than payday loan and you even have a longer term to pay off your loan. The term is normally for 24 to 44 months so that the monthly payment is within your means.

Yes, car title loan has a higher interest rate than a conventional loan but what if that conventional loan is not available to you? You should only get an auto title loan when you need it and make sure to make your monthly payment on time or even fully pay your title loan early.  Use the money for your personal and emergency needs.

Title loans have definitely helped a lot of individuals and families get out of their emergency and personal situations.

At Sabre Lending LLC, we want you to know and analyze your situation, and ensure that you can make your monthly payments on your car title loans.  We can also help you in getting a better rate on your existing title loans by refinancing with us.  We value our customers and we reward them when they pay on time. We encourage our customers to pay off their title loan as soon as they can. We are the solution to their personal or emergency needs.

car title loan california only with Sabre Lending, LLC.