Ten Keys for Financial Success

Ten Keys for financial Success

  1. Spend Less Than You Earn. Keep a budget or spending plan and track your spending.
  2. Have a Plan. Get organized, write down your financial goals, track your expenses.
  3. Prepare for Expected Events. e. Retirement, Holidays, etc.
  4. Prepare for Unexpected Events. e. Emergencies, Job loss, etc.
  5. Always Know Your Interest Rates. Never exceed 13% interest on loans and know what you pay on interest and fees. Know how your interest is being calculated.
  6. Keep a Healthy Credit Report. Receive a free annual credit report at annualcreditreport.com
  7. Avoid Waste. Eat at home, clip coupons, return purchases you won t use.
  8. Take advantage of tax breaks. Earned Income Credit, VITA
  9. Fill in the Financial Gaps. Garage sale, eBay, recycle, sell excess produce at a Farmers Market, house cleaning, etc.
  10. Give Back to Your Community. Angel Tree, United Way, Food Bank

Plan to be Financially Successful

  • Know where your money is going
  • Save for specific needs
  • Write down immediate, short term, intermediate and long term goals
  • Create a spending plan that works for you and track what you spend

Start Saving Now to be Prepared

  • Save lump sum payments / windfalls like tax refunds, gifts or inheritance.
  • Be prepared for sudden illness, theft, natural disasters or the loss of your job.
  • Have adequate Health, Car, Home, and Life Insurance.

Improve Your Credit Score

Your Credit Score is a number that indicates if you have good credit history. You can improve your Credit Score by paying your bills on time. Don’t apply for credit (cards) frequently. Pay off your balances each month.

 

Content provided by Utah Saves and America Saves
For more information visit
http://www.AmericaSaves.org

1 Title-Secured Loans, Secured LOCs and Title Pawns: Maximum pledge amount in Mississippi is $2,500. Maximum loan amount in Tennessee is $6,500, assuming customer qualifies for and accepts both the pledge max of $2,500 and Secured LOC max of $4,000. Refinancing is not available for Mississippi or Tennessee Pledge products. Minimum loan amount for title-secured loans in South Carolina is $601.

Must be at least 18 years of age (19 in Alabama). Account approval requires satisfaction of all eligibility requirements, including a credit inquiry and motor vehicle appraisal. Must present valid government issued ID. Certain other eligibility requirements and terms & conditions apply. Loan/LOC/Pawn amounts vary by states and product. LOC customers are subject to a periodic collateral review to maintain credit limit. Proof of income documentation and ability to repay analysis is required in Missouri, Nevada, some Texas locations, and Utah.

2 Personal Unsecured Loans/LOCs: Unsecured loan amounts and products not available in all stores/states. Max loan amount for first time borrowers is $1,000 ($500 for an in-store personal loan in AZ). Returning customers with a good payment history may qualify for higher loan amounts, currently up to $2,500. Loans above $1,000 ($500 for an in-store personal loan in AZ) require two consecutive pay stubs showing direct deposit. In-Store: Account approval requires satisfaction of all eligibility requirements, including a credit inquiry. Bring in proof of income (dated within the last 30 days), active bank account details (dated within the last 45 days), proof of residency, a voided check, and a valid government-issued ID to apply. In AZ, a valid AZ motor vehicle registration in your name is also required. Min $601 in SC. Without SSN or ITIN, max loan amount is $300. Online: If you do not have an SSN or ITIN, please visit us in store to apply. Additional items required for eligibility, including: a valid and active email address and telephone number, a valid SSN, and proof of residency for the state in which you are applying (currently AZ, DE, KS, MO, MS, SC, TN, TX, UT or WI). Min $610 in SC. Certain other terms and conditions may apply.

– California, Illinois and Virginia Residents: TitleMax® no longer originates new loans in CA, IL or VA, but continues to service existing loans.

– Please see our California Resident Notice at Collection and Privacy Policy: Submit a Verified Consumer Request to understand what information we collect, disclose, or sell, to request that we delete your information, and/or opt out of selling by clicking Do Not Sell My Personal Information.

– In Georgia, TitleMax offers Title Pawns.

– New Mexico Consumers: please see important New Mexico Consumer Information and Disclosures.

– In Nevada, title loans should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any title loan transaction. Ability to repay analysis with income documentation required.

– In Tennessee, TitleMax offers title pledges, and secured and unsecured Lines of Credit (“LOC”). Only one LOC account allowed per customer, inclusive of other lenders. LOC customers are subject to a periodic income (and collateral, if applicable) review/validation.

– TitleMax of Texas, Inc. and TitleMax Online of Texas, Inc., d/b/a TitleMax acts as Credit Services Organizations to assist customers in obtaining a loan through an unaffiliated third-party lender. Please see store associate for details. Please see Texas Schedule of All Fees. TitleMax does not offer pawn loans or pawn transactions in Texas.

– TitleMax®, TitleBucks®, and InstaLoan®, are not considered competitors. Please see a store associate for details.

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