While car title loans are a great way to save you from cash emergencies, it is very important that you keep yourself away from them as much as possible. Most people depend on car title loans Cambridge even for any money problems they know are not very significant. Cambridge car title loans should only be resorted to if you need a quick cash, for example, medical emergencies, tuition fee problems, dental operations and the like. Never ever secure a car title loan just so you can have enough cash for shopping. The purpose of Cambridge car title loans is not for you to get what you want instantly but instead to give you cash for your emergency needs.
So that you can prevent yourself from obtaining a car title loan for shopping, we have listed a few tips that can help you shop wisely.
Have a shopping plan. Before you hit the department store or a boutique, have a plan in mind. What new clothes or accessories will you need and how many of them do you have to buy? Check your closet beforehand. Most often you can find old clothes you have not yet worn since you last purchased them. This can make you realize that you won’t need to shop after all.
Have a discipline with your credit card. If you often shop using your credit card, then surely you have regular monthly headaches with your credit card bills. The best way to shop is to not bring a credit card with you. Credit cards are temptations. They tease you into buying things you don’t need and perhaps you can’t even use. Have you seen “Confessions of a Shopaholic”? If you do, better yet follow her move on literally “freezing” her credit card into ice just so she can’t use it.
Don’t be trapped into registering for third party money such as credit cards, if you still don’t have one. Just because everybody is using credit cards doesn’t mean you have to use it as well. Sometimes going out of the norm is the wisest move you can make. Credit cards tend to make you believe that you can get anything you want for a smaller cost because of deals that they offer. However, deals come with a price. They cost you fees and interests and these will appear on your bill each month. Don’t give yourself that kind of stress!
Take advantage of a shop’s promos. Most clothing stores offer layaway promos wherein you can pay by instalment without interest. Once you paid off the purchase price of the clothing items, they will let you bring home the clothes. This is one of the best ways you can prevent interests while shopping through instalment payments.
By taking into consideration the following tips, you most likely won’t end up securing a car title loan for shopping. Always bear in mind that car title loans Cambridge are quick cash solutions for emergencies which do not include impulse buying or shopping.