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Handling Money Problems The Smart Way
If you have a need for money, you may have more ways to handle your problem in Bryan than you think.
Sure, a loan is an easy way to handle your situation but it is not always the best way to go. Let’s take a look at some other options so that you can make the right choice.
Free Loan Sources
Nothing beats a free loan. A loan that is free of interest and fees is always the first choice in an emergency. Let’s take a quick look at some of the free loan alternatives.
- Friends & Family
You probably knew that I was going to go there but this is the ultimate free source. It, of course, requires you to suck it up and admit that you need help. That is not always an easy thing to do with the ones that you are close to. If you can manage to do that though, you can save a lot of money.
Obviously, you need to be very careful with how you manage a family or friend loan. The key is to take the loan just as serious as a bank loan and get everything in writing. Memories can get fuzzy so get a signed loan contract in place and record every repayment.
- Your Boss
That might sound strange at first, but yes, you can absolutely get a free loan from your boss. As long as you have already earned some money, you can simply ask for an advance on your check. Since most paychecks are paying you for work that you did around two weeks prior, most people will have earned money just siting there.
- Use An App
There is a relatively new app out there now called Earnin. It can get you a free loan, sort of.
The basis of the app is that it loans money without fees, they simply ask for a tip at the end. The problem is that the suggested tip is actually close to the fees of a payday loan. In addition, you can only borrow at most $100 to start which might not be enough to handle your situation.
Cutting The Need For Money
Not needing a loan at all might be the ultimate solution. Of course, that might be very difficult, depending on your situation. Here are some ways that you could possibly cut your need for money in Bryan.
- Adjusting Your Bills
Take a look at your budget and see if there is a way to cut your spending in order to pay for your emergency expense. Most budgets have room for cuts with the easiest areas to trim being food and entertainment. If you dine out a lot, cut it out or at least back. If you have cable, cancel it.
If you do not have a budget at all, this could be a huge part of your problem. Take a few minutes to sit down and write out all of your expenses as well as make allotments for variable things like food and entertainment. Once you know where your money is going, you can make the appropriate changes.
- Doing Without
If the thing that you needed an emergency loan for is not a true emergency, you should probably just do without it. Loans like payday loans and title loans are very expensive and should only be used as a last resort. Do not even think about using them unless you have a good reason.
Also, be sure to weight the expenses with and without a loan. If the late fees that you would face without a loan are less than the loan costs, it might be worth passing on the loan.
- Sell Something
Finally, think about selling something to eliminate the need for a loan. Most of us have junk just lying around the house that we do not need. Get rid of it and not only will you de-clutter your home, you can save on those expensive cash loan fees.
Getting A Loan in Bryan
If you have decided that an online loan in Texas is what you need, we can help you with a fast and free quote. It takes a matter of minutes to get your offer and if you like it, you could have money in your Bryan checking account as soon as the very next day. Here is how it all works if you want to proceed.
- First, you need to fill in the quote form located at the top of this page. You only need to enter some basic information about you, your income and your bank.
- Next, submit your form after reviewing the quote terms and conditions.
- Now, wait but not that long. Once you hit submit, your information goes securely to the loan network until a single lender is found that wants to make you an offer.
- Finally, review your offer and decide if you like it. If you decide to get it, you could have money in your account as soon as the next business day. Turn it down and you can just walk away.
This article can help you find a loan.
- Staff Summary
When you need an emergency loan, you probably need it very fast. This article can help you get that fast and free loan quote and give you some other options that might help you with your Bryan money problems.