Carl Farris is our blog writer.
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Here is a cool infographic with information about why you should get a small business loan.
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Every year we try to build our presence online. Here is a round-up of cool websites that have included us in their online website directories in 2018.
Here's a few of our favorite websites to use when looking for other local Joliet businesses.
More Listings from 2018
Bales Car Title Loans Loves Joliet!!!!
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Parents can now expect to shell out about $227,000 on each child between birth and the age of 18. That’s a huge amount of money – but when you consider the clothing, food, shelter, education, and other aspects of raising a child, it’s easy to see how your bank account is often dry at the end of the month.
Here’s the problem: Lots of money-saving advice requires a complete lifestyle overhaul for you to see a return.
Whether it’s switching to a more sustainable lifestyle, or skipping out on family vacations, you simply might not be willing to make the huge sacrifices that frugal living sometimes requires.
Money-Saving Tips for Families
The most frugal families know that lavish trips and the latest clothes do not necessarily make a happy family. Reducing bank account strain, however, can help relieve family stress.
It’s imperative that you only shop once and get everything you need in one trip. Heading to the store for a forgotten gallon of milk or an extra loaf of bread can cause you to repeatedly overspend all week long, and plus, it wastes gas.
I also like to shop without the kids. When my little ones are with me, it’s harder to stay focused and resist spontaneous purchases – especially when they’re clamoring for them.
Invest in Reusable Items
Disposable goods are usually cheap and super-convenient, but not when you have to buy the same items repeatedly.
Your family probably uses a ton of paper products, but why keep spending your cash on them when you can purchase reusable goods instead?
Paper towels can cost around $1 a roll – instead, buy a pack of $1 washable cloths and you’ll save money in the long run.
Rather than buying plastic water bottles by the case, purchase a filter and aluminum water bottles for each family member to get your water for cheap.
Entertain at Home
If the kids are driving you crazy, it can be tempting to head out to the movie theater or bowling alley just to get out of the house. But your day trips can spell disaster for your budget.
Saving money with your family doesn’t have to require drastic steps. Instead, small, simple methods can make a big difference for your bottom line.
It might take some getting used to, but getting your family on board with your money-saving efforts makes it easier to gain a little wiggle room in your budget or to add more padding to your savings account. The reduced stress is worth the extra effort. balesloanblog.weebly.com/blog/we-love-local
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Unlike other types of financing, car title loans don't have a complicated or lengthy approval process. Since you are offering a form of collateral, car loans are relatively easy to qualify for, even if you don't have the best credit score.
In fact, many lenders will provide car title loans without even checking your credit score or report. As long as you can show that you have a reliable source of income and a car worth more than the loan you are requesting, the lender will typically approve your loan application.
One of the biggest benefits of car title loans is that they are very quick and convenient. The process is easy and quick and can be completed within ten minutes. Once you submit the form, you can receive the cash within the same day!
If you get a car title loan, you can still drive your car. The car title is used as collateral in case the borrower cannot pay the loan back, yet once you make your final payments, the title is returned back to you.
So you don’t have to worry about getting around when you take out an auto title loan.
Disadvantages of Car Title Loans
Car title loans often carry high interest rates. In some cases, these rates are significantly higher than credit cards rates and may even exceed 100 percent. While a few states have laws that prohibit such exorbitant interest rates, many do not.
Car title loans are also short-term loans, which means that they must be repaid quickly. If you are unable to make your payments, late fees raise the balance even higher, and the lender will eventually repossess your vehicle, which leads to a host of other problems.
If you must take out a car title loan, make sure that you understand the terms completely. Ask about the APR, as well as any fees that accompany the loan. Finally, make sure that you always make your payments on or before the due date.
Otherwise, the lender will add additional fees to the balance, and you may even lose possession of your car. balesloanblog.weebly.com/blog/we-love-local