Category Archives for "Money Saving Tips"

3 Tips and Tricks to Save Money Shopping at Target

Have you started to save money shopping at Target yet? Keep reading!

Save Money Shopping at TargetLooking for ways to save money shopping at Target? There’s a reason the big box store is one of the preferred places to shop for those on a budget. The stores carry high-quality merchandise at reasonable prices. They also provide customers with many different ways to save. While some methods are effortless, others require a bit of planning to score the best deals.

Save the most at Target with these three simple strategies:

#1: Time Your Purchases Carefully

Target releases new weekly ads every Sunday, and add new clearance items in each department one day a week. Which day depends on your store. You don’t have to stalk your store every day to figure the schedule out. Just ask the people who work there. Being nice to the people who stock the shelves is an excellent way to get the inside scoop.

Seasonal specials range from 50 percent off the day after a holiday to 90 percent off a week later. Then, of course, are Target clearance waves. The first round of pricing on clearance Items ends in “8,” the second round in “6,” and the third and final round in “4.”

It’s a bit of a crapshoot. On one hand, if you wait until prices are their absolute lowest, you could miss out. On the other hand, low prices might also be the sign of a problem. Before buying something at bottom dollar, you might want to check out reviews.

That leads us to our next tip…

#2: Avoid Buying on Impulse

Part of getting the most bang for your buck is only buying items you’ll put to use. We know swapping out your smoke alarms for smoke-and-carbon-dioxide alarms would be a benefit to your family, but does the benefit justify the cost? Is there a more affordable way to check for carbon monoxide leaks? If you’re not sure, that’s a good sign to slow down on the spending.

Find more tips on making smart purchases during special promotions at MoneyCrashers.

#3: Stack Coupons, Discount Codes, and Gift Card Specials

Target has a few unique discounts, and thankfully customers can combine them with other deals. Please note, coupons and deals stack in a specific way that impacts an item’s final price. For instance, Target usually reduces the full price by a coupon before applying a percentage off deal.

Target Cartwheel: Unlike the Target app, Cartwheel is available via smartphone or computer. It presents you with select offers by buyer profile, department, collection or item search. When using the app in-store, you can also scan the barcodes of the products you’re buying.

Add the offers you like to your Cartwheel account, and print them off or present them to the cashier for scanning over your phone.

Target App: The Target store app lists all of their current deals, offers, clearance, and in-store coupons. This is where you find out about promotions like saving $20 off furniture purchases of $100 or more or 50 percent off all NERF purchases. You can also search particular stores for what’s in stock.

Target REDCard: Applying for a Target REDCard doesn’t require good credit. There is a credit card available, but there is also a debit card option. Using your REDCard saves 5 percent off your purchases, and you can combine the discount with other deals.

Target Gift Card Deals: Target drives the sale of specific items with gift card giveaways. Examples at the time of writing include receiving a $250 gift card with the purchase of an iPhone XS 64GB Rose Gold, a $5 gift card with the purchase of two laundry products, or a $40 gift card with the purchase of $250 in nursery furniture, among others.  

You can link your Target REDCard, Cartwheel and accounts for maximum benefits and ease of use. You can also combine these deals with manufacturer coupons and rebate site rewards.

If you’re working on learning how to save money shopping at Target, an auto pawn could help. Call your nearest Title Tree location for help now.

Is it Too Soon to Save for Summer Vacation?

Learn our top tips on how (and when) to save for summer vacation!

Save for Summer VacationIt’s never too early to save for summer vacation. Hard-core travel aficionados make saving for trips part of their monthly budget. Waiting too long to set aside money can lead to lackluster plans. Fortunately, a late start doesn’t mean you’re out-of-luck. Follow these tips to plan – and pay for – the perfect summer escape.

Set a Reasonable Budget

Boo! Bah-humbug! No one wants to talk about budgets before heading off on a great getaway! Unfortunately, smart financial planning needs to be priority number one to avoid post-vacation regrets. There’s nothing worse than being stuck at home because you’re still paying off the cost of the last year’s trip.

Financial experts recommend spending no more than 4 percent of your annual take-home pay on travel expenses. Is that amount too small to do much at all?

Consider increasing your budget to 10 percent of your net income by dipping into your miscellaneous expense fund. Many of these expenses aren’t necessary and aren’t as enjoyable as a vacation with friends and family.

For instance:

  • Eating out
  • Gourmet coffees
  • Entertainment subscriptions
  • Upgraded cable, phone or internet features

Consider how much you spend on these unnecessary extras every week. Cut them out of your life, and you might be well on your way to funding an unforgettable summer vacay.

Still don’t have much to spare in your budget? Keep reading to stretch your money as far as possible.

Check out Vacation Discounts — But Be Sure to Do Your Research

Groupon, LivingSocial and similar coupon sites often have astonishing sale prices on activities, food and lodging. Some international destinations even bundle airfare into the price. CheapCaribbean, Costco and Travel Zoo regularly post big bargains. Just be careful and be sure to read the fine print.

In travel, it’s very common to find prices on trips, cruises and resort stays aimed at half of a couple. Travel sites publish “lead rates” or “single, double-occupancy” rates. They’re what you and your friend would each pay if you traveled together.

Single travelers pay a higher fee, called a “single supplement.” This is because a single person will pay for fewer extras on a trip, so the resort or cruise company loses out.

The really bad news? A single supplement for a trip can be double the single, double-occupancy rate.

You also want to make sure there’s not a problem with deeply discounted properties. Super-cheap hotels might be under construction or an ultra-low-cost cruise could be headed into hurricane territory at the height of the season. Those deals might turn out to not be much of a savings in the long run. You have to do your research.

TripAdvisor is one of the top sites for rating travel experiences. However, some users have complained about negative reviews being removed without reason. It can be difficult to get an honest impression of a hotel or resort, so you might want to search for blogs before you go, so check a variety of sources.

If the planning stage begins to feel overwhelming, you can always contact a budget-minded travel agent for help. Follow these tips from NerdWallet to find someone qualified near you.

Split the Costs with Friends to Save for Summer Vacation

This tip can help anyone, whether they are flying solo or with their extended family. When it comes to a travel budget, there’s power in numbers. At some lakeside resorts, for instance, you can rent a cabin for 12 for nearly the same price as a cabin for 6. Invite another family to split the costs, and you’ll both wind up with affordable space in an amazing summer locale.

You can split costs on Airbnb properties, buy theme park tickets at bulk rates and make and serve dinners together for a fraction of the cost of hitting a burger joint or ordering pizza. Breakfast provides families with one of the best ways to save on vacation. Oatmeal, eggs and toast, and pancakes are super-affordable and fill you up enough to go light on lunch when you’re out and about.

Content on traveling alone? You could still tap into these savings. Look to sites like Reddit for help connecting with other single travelers who’d like to buddy up to qualify for double-occupancy rates.

Visit your nearest Title Tree store for more tips on how to save for summer vacation – or if you need a little help making ends meet right about now.

The 5 Most Tried and True Ways to Save Money on Airfares

Think you know how to save money on airfares? Think again!

Save Money on AirfaresEveryone these days wants to teach readers how to save money on airfares, but most of them are just rehashing info they’ve read from someone else’s website. They haven’t followed the steps themselves. They haven’t experienced the savings in real life.

The following tips are real methods real people use for scoring bottom-dollar flights to top destinations around the world:

1. Plan for the Slow Season vs. the Lowest Price

Did you know prices on tickets to Hawaii can fluctuate by $1,000 or more depending on the date of departure? It’s not just an issue of airfare. Rooms, restaurants, and activities all cost less in the off-season. You get the benefit of smaller crowds too. For many families, the savings are worth the hassle of taking the kids out of school.

Unfortunately, there might be a catch to the lowest prices available. The off-est of off-season rates could be the bearer of bad weather. The lowest-priced flight might be on an unreliable airline. Late or canceled voyages and missed connections can cost more in the long-run than you think.

2. Compare All Your Costs

What does that low rate cover? Fare minus fees and taxes? Is it a one-way flight when you need roundtrip? Be sure to read the fine print. You budget fare might not allow for a checked bag — or even a carry-on!

Most importantly, the fare you’re selecting might not allow for pre-selecting your seats. If that’s the case, you can’t count on being seated with your traveling companions during the flight. That’s true even if you’re flying with young children. You might not mind much if you’re traveling with college buddies, but if you’re going on your honeymoon or taking a family vacation, being separated might be more trouble than the savings are worth.

3. Consider Charter Flights

Travel suppliers, like Sunwing, often have their own charter flights. Sometimes you can buy a cheap charter ticket regardless of whether you book a package. These companies have promotions throughout the year, so keep your eye out for cheap first class upgrades or fare with VIP lounge access included.

4. Look for Freebies

Free flights are also among the common perks promoted by guided tour companies, resorts, and cruise lines. The online travel agency Expedia recently got in on the free-flight package deal, showing you just how popular this feature is now. That’s not the only time free flights are available though. Are you flying as part of a large group? Airlines of all sizes offer discounts, including free seats, when you purchase airfare in bulk.

5. Exploring Miles, Points and Travel Reward Perks

Most airlines have loyalty programs which allow you to earn points or miles toward free hotel rooms, resort stays, and free airplane tickets and fare upgrades. You don’t have to wonder which program does the best job of rewarding their customers either. Just check out Wallethub’s analysis of the best airline loyalty programs for 2019. They have a calculator to help you determine which program is best for you and everything.

You can earn points in several ways:

  • Purchasing airline tickets
  • Staying in qualifying hotels
  • Using an airline-branded credit card
  • And more

Using the right credit card to pay your bills can boost your reward miles right away. You don’t have to have good credit to take advantage of it either. You can open the SKYPASS Visa Secured card with as little as $300 down. Run by Korean Air, the program partners with 29 other airlines, including Delta. It also offers travelers free trip insurance.

Even if you’re working on how to save money on flights, you may need a title pawn to help you in the meantime. Come on into Title Tree, and we can help you get the cash you need.

Spring Has Sprung! Time for 4 Tips to Save Money on Gardening

Top ways to save money gardening. Grow your way to physical and financial health.

Save Money on GardeningTake frugal living to the next level when you learn to save money on gardening. You’ll cut your costs in more ways than one. Eating fresh foods will reduce your grocery costs, but you’ll save money by being healthier too. In fact, people with diets rich in fruits and vegetables enjoy a host of health benefits, from smoother skin and shinier hair to lower rates of depression. Take advantage of the perks that come from growing real food with the following ways to save while you garden:

#1: Start with Scraps

You’re already buying food at the grocery store. Put it to work in your yard or container garden. You don’t need a lot of space to grow your own food. Here are a few popular foods you can grow from scraps at home:

  • Garlic
  • Lettuce
  • Cabbage
  • Bok Choy
  • Celery
  • Fennel
  • Lemongrass
  • Green onions
  • Potatoes
  • Leeks
  • Mushrooms
  • Ginger

Many herbs can be grown from cuttings as well, including:

  • Sage
  • Mint
  • Rosemary
  • Oregano
  • Basil
  • Thyme

When possible, start with organic produce to prevent growth suppressants, pesticides or store-introduced contaminants from interfering with your results.

#2: Or Start with Seeds to Save Money on Gardening

If propagation isn’t your thing, starting plants from seeds will save you a tremendous amount over buying plants. You can start them growing easily in homemade containers made from biodegradable material, like non-Styrofoam egg cartons or even newspaper. After 4 – 8 weeks, depending on the plant you’re growing, you can transplant them directly into the soil – container and all!

Grocery store chains like Walmart and Aldi’s have seeds at good prices. You can find the best deals by checking post-Mother’s Day sale prices.

#3: Get Free Compost and Mulch

Compost is a mixture of organic material gardeners add to the soil to improve nutrients and help in water retention. Mulch is a ground covering placed around your plants that helps control moisture and weeds, protects your plants, and contributes to the aesthetic of your yard. Both products can make the most of every minute you spend gardening.

It’s relatively easy to make your own compost by adding grass clippings, certain kitchen waste and other components to a compost bin. However, residents of DeKalb County don’t need to make their own compost, as it’s available for free through the Seminole Road Landfill or the North or East Transfer Stations. You can also have mulch and compost delivered to your home for $7.50 per cubic yard, with a minimum order of 10 cubic yards. Find out more here.

#4: Stick to Budget-Friendly Plants

Some plants are fun to grow but require a big investment of time and money. Others are cheap enough in the store to make growing them a missed opportunity. The space you use for potatoes, for instance, might be better used for berries.

A few budget-friendly veggies include:

  • Lettuce and other greens
  • Tomatoes
  • Peas
  • Green beans
  • Peppers
  • Cucumbers
  • Blackberries
  • Blueberries
  • Squash

You know which foods your family is most likely to eat, however. If there are enough carrot fans in your house, it might be worth it to sacrifice the growing space to handle those foods yourself. Tempted to grow pumpkins? It’s a great idea if you have space, but you might try trading with a friend or neighbor for them first.

Want to grow flowers in your garden instead? Zinnias and marigolds are both colorful options you can collect seeds from in fall to replant (for free) the next year.

It can take time and practice to learn how to make a budget based on how to save money gardening. If you need a bit of wiggle room, a title pawn can help. Call or visit your nearest Title Tree store to find out whether you qualify.

Is it Possible to Save Money Going Out to Dinner?

Keep nights out with friends from busting your budget as you learn how to save money going out to dinner.

Save Money Going Out to DinnerSo, you want to save money going out to dinner? Retail stores aren’t alone in the consumer pinch felt as people migrate to home-based lifestyles. People are staying home to watch Netflix and snuggle on the couch, not go to the theater. Friends and families often get together for home-cooked meals. The allure of the restaurant isn’t as powerful as in the past, forcing restaurants to pull out the stops. This includes offering their patrons some delicious discounts.

App It Up

According to U.S. News & World Report, your cellphone might be the key to scoring major savings. A number of apps give you access to the best deals in your area. Check out:

  • DealNews
  • ScoutMob
  • BiteHunter

Deals are available online as well through local shopping sites, like Groupon and LivingSocial.

Discount coupons are also available through for eateries across the nation. One caveat? These gift certificates are a bit different, as you can only use one per visit and they aren’t good for the cost of your whole meal. For instance, you might find a $50 gift card for $20, but your bill has to total $150 or more to put it to use.

Don’t Be Fooled

According to Scott Alan Turner, restaurants use a number of tricks to rip you off. Saving money is just a matter of watching out for micro-manipulations, such as:

  • Playing classical music has been shown to make patrons feel wealthier, leading to more expensive purchases.
  • Removing dollar signs from menus to distract you from focusing on the bottom line.
  • Listing outrageous prices for specialty dishes to make just-slightly overpriced ones seem like more of a bargain.
  • Using fonts, graphics and menu placement to draw attention to pricier items. The best deals are typically found in the bottom-left of menu pages.
  • Descriptive language encourages sales, so it’s helpful to focus on ingredients and leave the flowery verbiage out.
  • Half-portions make you feel like you’re saving money, but they are almost always more expensive per serving than their full-size counterparts. If you’re out with someone who’d like to try the same dish, ask your server if you can have a full-size order split between you instead.

Take Advantage of Freebies and Discounts

Some of the tricks restaurants use to get people in the door can work in your favor. Atlanta Parent maintains a list of restaurants where kids can eat free, but parents aren’t the only ones who can save. Seniors, members of the military and civil servants also rank right at the top. Birthday discounts are often available too, as well as special prices or freebie offers for patrons who sign up for an email newsletter.

If a restaurant has a bar, check with the bartender. Many places have Happy Hour specials where drinks and appetizers are a fraction of the price.

Check Restaurants Out Online

Researching restaurants goes a long way to save money when eating out. GrubHub, Yelp and similar sites give you an idea of the costs before you go. You might even find the menu listed with prices.

Of course, finding local restaurants on Facebook, Instagram, and other social media networks is also a good idea. Not only will you see the food they serve and get a feeling for other patrons’ experiences, but you will likely find out about special deals.

Eating out is an essential part of being social, but it can also cut into your monthly budget. Save a bundle by taking a few minutes to plan your night out.

If you’re working on learning how to spend less money on how to save money going out to dinner, an auto pawn could help. Call your nearest Title Tree location for help now.

4 Easy Ways to Save Money Living on Your Own without Living on Ramen

How can you save money living on your own while still living well?

Save Money Living on Your OwnWhat are the easiest ways to save money living on your own? Free yourself from a need for roommates by checking out these four budget-friendly tips:

1. Meal Prep

Yes, it’s the latest new fad to hit the singles’ market, but that’s because it works. By preparing your meals once or twice a month, you save a tremendous amount of money and time. Meal prep makes it easy to put all of your groceries to use. It also makes cooking faster and easier, which means you’re more likely to eat at home.

Then, of course, there are health benefits. That sweet chili chicken bowl? It packs a nutritious punch without all the preservatives and grease found in a cheeseburger. It’s tastier too!

Which leads us to the biggest benefit: when you meal prep, you can afford to eat fancy food.

2. Cancel Your Cable

According to Money, the cost of cable is increasing at 4x the rate of inflation. Worse, you’re probably being overbilled. Unless you’re a dedicated tube boob, you can probably save money switching to a streaming service like Netflix or Amazon’s Prime Video.

This won’t be easy if you’ve enrolled in a 2-year plan, but most services have an early cancellation fee that is much lower than finishing out an expensive contract. Just make sure you return any rental equipment. The cost of replacing a company’s DVR can cost hundreds more than consumer products.

Cable isn’t the only monthly expense worth dropping. Go through your credit card bill or debit statement to see who is really charging your card. If you’re anything like most consumers, you’ll have odds and ends you don’t remember authorizing. That doesn’t mean you’re being scammed. Sometimes you agree to extra services in fine print or simply forget a purchase. That leads us to our next tip for saving: use an app to track your expenses.

3. Put Your Smartphone to Work

The smartest smartphone users download apps capable of tweaking their budgets. While we’ve covered budget apps before, we do have a favorite for singles trying to get their finances under control: You Need A Budget, affectionately known by fans as YNAB.

Other apps literally help you learn how to invest your money. Interested in growing your wealth? Check out easy investing apps like:

  • Acorns
  • Stash
  • Robinhood

Signing up can be especially lucrative when you sign up through an online rebate site.

4. Cash Back and Instant Coupons Help You Save Money Living on Your Own

Some of our favorite rebate sites and apps have been around for ages and have won consumers’ trust through years of accurate payouts. They’re also incredibly easy to use. Our favorites:

  • Ebates
  • Swagbucks
  • Honey

These services make it very easy to put them to work. Simple download onto your phone or install an extension to your web browser. When visiting a consumer website, you’ll get a pop-up telling you how much you will save by purchasing through your app of choice. Honey goes the extra mile by storing online coupons from across the web and running through them all during checkout.

You can also use a credit card or secured credit card which offers rewards like cash back. Think your credit score isn’t high enough? There are options – like the SKYPASS Visa® Secured Card – which caters to people with ultra-low credit and earns you credit toward flights on Korean Air and over 29 partner airlines, like Delta. It’s also one of the few secured cards which offer travel insurance, which can save you a significant amount off of your trips.

Other options for Georgia consumers are the SunTrust Secured Card with Cash Back Benefits and the Discover it Secured. Because the number of applications you submit has an impact on your credit score, it might be best to space your applications out to one every 6 – 12 months.

Secured cards are similar to prepaid cards, as you put money down to secure your balance. However, you have to pay your balance like a traditional credit card. Once you close your secured card, or if it graduates to an unsecured account, you receive a refund on your deposit. They can be excellent tools for saving money and for improving your credit.

Even if you’re working to save money living on your own, you may need a title pawn to help you in the meantime. Come on into Title Tree, and we can help you get the cash you need.

5 Ways You Can Save More Money at Walmart

Can you really save more money at Walmart? We’ll show you how.

Save More Money at WalmartVeteran shopaholics know it isn’t easy to save more money at Walmart than tags allow. The chain stopped price-matching in select stores starting in 2016 and recently changed the way their app’s Savings Catcher works. Double coupons? Don’t even think about it! Thankfully this has paved the way for making savings easier, if not as vulnerable to extreme couponing hacks.

Follow these five tips to get the most out of every dollar you spend at Walmart without breaking a sweat:

#1: Time your large purchases.

According to NerdWallet, Walmart has three big sales each year:

  • Back-to-School
  • Black Friday, and
  • Christmas in July

Each sale targets a different type of shopper and focuses on different areas in the store. Back-to-School sales, for instance, cover school and office supplies along with clothes, dorm furnishings and personal electronics. Black Friday highlights toys and other gift items. Christmas in July? Electronics see the biggest sales. If you know you’re in the market for a big purchase that falls in one of those categories, it can pay to hold off until their big sales.

#2: Search online for the best deals.

It’s incredibly easy to save money online by tweaking the way you search, but that’s not the only website you can use to score deals. Use the menu at the left-hand side of Walmart search results to find items on clearance, those with temporary Rollback prices and bundled deals. Use the menu at the top of the search result page to determine which products are available in person at stores near you.

Walmart stores each determine their own markdowns, which sometimes leads to huge discrepancies in clearance prices. Use a website like to find the best in-store deals near you. Free accounts can set up one local item alert, while paid plans allow you to set up several.

#3: Download the Walmart app.

We know! Your smartphone only has so much space. That’s okay. If you shop often enough at your local Walmart, you could save up to $599 through their automated Savings Catcher feature. Unfortunately, it’s not as easy or helpful as in the past, but it can still instantly save you a bundle.

To put Savings Catcher to work, you’ll have to enroll in Walmart Pay and link a:

  • Credit card
  • Debit card
  • Prepaid card
  • Walmart Gift Card
  • eGift Card

Scan the QR code at the checkout lane in the Walmart store. Once you have an eReceipt, submit it to Savings Catcher. It instantly price-checks against major retailers in the area. If you’ve paid too much, Savings Catcher deposits the difference into your account. Unfortunately, online purchases aren’t eligible.

#4: Shop using discount Walmart gift cards.

Save 5 – 15 percent off by shopping with Walmart gift cards you buy at a discount! Sites like help you identify the best gift card deals online. The caveat? It’s up to you to check them out before you make a purchase. A recent 15 percent off Walmart gift card sold on eBay was a scam, so be sure to check out your buyer and understand how you’ll receive the funds.

Some gift cards will be sent in the mail. Others will be sent over email with a code you’ll have to add to an existing gift card or load into Walmart Pay.

#5: Combine sales and cashback offers to get the biggest bang for your buck.

Walmart doesn’t allow customers to stack coupons, but there’s no rule against taking advantage of cash back sites like Ebates or Ibotta or using a credit card that offers cash back. Small percentages really add up, especially when combined with clearance and Rollback prices.

Visit your nearest Title Tree store for more tips on how to save more money at Walmart – or if you need a little help making ends meet right about now.

3 Ways You Can Save Money and Be a Stay at Home Mom

Can you really save money and be a stay at home mom?

Save Money and Be a Stay at Home MomHow can I save money and be a stay at home mom? Most mothers ask themselves this question at some point. Staying home with your small children, especially, feels incredibly important. It’s not in the financial cards for every household, but sometimes you can reduce your bills low enough to offset your family’s second salary.

Here are three ways to prepare your budget for staying home with the baby:

1. Request lower payments on all your monthly bills.

“Haggling” doesn’t have to leave a bad taste in your mouth. Many lenders adjust payment plans based on a customer’s needs. Make a list of your regular bills and call about your options. Say you may be losing your second income and need to find ways to lower your monthly bills. Ask if there’s any way to lower your payments.

This is a great way to find out about safeguards many services write into their policies, like budget billing for utility companies and one-time rate reductions for select cable or internet providers. This is one time you can count on providers avoiding the upsell and directing you toward savings. They don’t want you to lose you as a customer, so they’ll look for ways to make your services affordable.

2. Refinance your loans to save interest.

While lenders for car, home, and student loans can temporarily lower your payments, this could have a big impact on the amount of interest you pay over time. It might be to your benefit to refinance. Just make sure you understand the fees involved and how much you’ll save in the long run.

When you refinance, you pay off an existing loan with a brand new one. The hope is to land a new, lower interest rate. You can also change the type of loan you have, switching from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage, for instance, to provide more stability in budget planning for the years ahead.

Financial experts recommend refinancing if you can score at least a 2 percent improvement on your interest rates. You’ll be able to lower your monthly payments or the number of payments you make over the life of your loan. Speak with a lending specialist to determine the best options available.

3. Avoid expensive upgrades to housing and transportation.

It’s very common for new parents to look for newer, larger cars when they have a baby. Others buy a larger home in a family-friendly neighborhood. While it’s fun and feels like a natural part of the process, upgrading might not be necessary. Consider how much those upgrades will cost your family before taking the plunge.

What if you need a larger home or car? Look for less expensive options. A minivan typically costs less – in the purchase price and operating expenses – than a 3-row SUV. Certified used vehicles provide you with affordable security without the “new” price tag.

Likewise, it might be more affordable and more effective to remodel your property than to move somewhere else. Changes to your home’s layout can give you more room for less.

If you’re going from renting to purchasing your first property, be sure to ask about local grant programs. These aren’t welfare programs designed for people struggling to find work, but incentives sponsored by local governments and their partners to stimulate local economies and community development. To start, look into the options available through InvestAtlanta. A variety of their lending programs offers anywhere from $10,000 to 3.5 percent of the cost of your home toward a down payment and closing costs.

You may find it takes a little practice to learn how to save money and be a stay at home mom. If you are seeking your best options to get some wiggle room in your budget, a title pawn can help. Call or visit your nearest Title Tree store to find out whether you qualify.

Need It Now? How to Save Money Faster

All it takes is a few minutes to learn how to save money faster.

How to Save Money FasterNeed to know how to save money faster than ever? You’re not alone. Many people feel overwhelmed by bills, especially during an emergency. Maybe you chipped your tooth or your car tire went flat? Maybe a friend invited you on a last-minute trip? Use the following tips to raise money in a hurry, no matter the reason.

Take Back Control of Your Bank Account

Debit cards have made it incredibly easy to spend money. Some people don’t even have bank accounts. They pay all their expenses with prepaid credit cards. Before you know it, you’ve swiped away all your savings on things you often don’t even remember buying.

Worse, you can overspend the amount in your account. Depending on the spending solutions you use, this could result in an embarrassing card refusal – and a stint washing dishes to pay for your bill – or in hefty overdraft fees.

Also, it’s easy to sign up for automatic payments without thinking them through. From your utility company to car insurance, more vendors give incentives for paying your bills through Automated Clearing House (ACH) payments. These might seem like perks at first, but all it takes is forgetting one payment for the associated fees to outweigh the benefits.

In order to keep your account in the black, it’s essential to keep an accurate ledger of how much money you have available. Write down whenever you slide your card. Send yourself reminders when automatic payments come out. There are a number of personal finance apps to help you organize your bank and card accounts, including:

  • You Need A Budget (YNAB)
  • Wally
  • Mint

You can also do a bit of organizing each payday and take advantage of our next savings tip.

Using Reward Cards for Extra Savings

Bank account representatives push their online BillPay features as an excellent way to avoid overdrafts. Combined with a reward credit card, you can also prevent against fraud and boost your savings.

How does it work? Easy. Instead of using your debit card for everyday purchases, use a credit card – or secured credit card – with rewards.

You don’t need excellent credit to score a rewards credit card. Capital One offers lucrative cash back options, even on basic cards like the Capital One Quicksilver card. Still, not everyone wants to apply for a regular credit card. If you need to spend time building or repairing your credit history, there are several secure cards with cash back programs and other incentives.

Some of the best-secured cards with rewards include:

  • Discover it® Secured
  • State Department EMV Savings Secured Visa
  • SunTrust Secured Credit Card With Cash Rewards

To open a secured card, you first put down a deposit. Your available credit limit is usually based on how much money you put down in advance. Then you charge and pay your bill monthly, just like with a normal credit card. Using a reward card instead of a debit card allows you to earn free money back on every purchase.

It also protects your bank account from fraud by keeping your debit card number private. When your statement comes in the mail, go into your bank account and set up a BillPay payment to your credit card company. Most cards provide 100 percent fraud protection if someone steals your card number and uses it without authorization.

Debit cards pose higher risks. If someone steals your number, they can spend all of the money out of your account, and your bank doesn’t have to give it back unless you can prove you were taking measures to protect it. In fact, banks are adopting stricter guidelines on fraud protection because of an increase in debit card-related theft. In more ways than one, using secured cards instead of debit cards lead to big savings.

Reign in Spending by Shopping With Cash

One of the most helpful tips for saving money is to go old school. More people shop more smartly when they’re handling cash. Holding real money helps them stay aware of how much they have to spend on groceries or during a night out on the town. A dwindling supply of dollars is an effective motivator when it comes to skipping fast food and going home to cook supper, along with many expenses we repeat every day without ever thinking about the money we’re spending.

By taking control back of our bank accounts, being rewarded for every dollar we spend and limiting the funds we have for random purchases, we can save a surprising amount in record time.

Even if you’re working on how to save money fast, you may need a title pawn to help you in the meantime. Come on into Title Tree, and we can help you get the cash you need.

It’s Almost Spring! How to Save Money for Spring Break

Feel like it’s too late to save money for Spring Break? Here are tips to help you make it happen.

save money for spring breakThe best way to save money for Spring Break is starting months – or even years – in advance. Put down a small deposit and take 12 to 24 months to pay off your tab. Buddy up with friends and family to reduce your costs, and be sure to use a travel agent who will keep an eye out for the best deals. There are many ways to save while enjoying the best destinations the first warm weather of the year has to offer. Hop aboard as we take you on a tour of our favorite ways to save for vacations with friends and family.

Use a Secured Travel Rewards Card for Payments

Using the right credit card can pay you back many times over. Rewards aren’t limited to consumers with the best credit. Secure cards are a good option for people with no or bad credit histories, and some of them offer travel benefits. They help you save in number ways:

  • Cashback programs
  • Discounted fares, baggage and more
  • Miles and points toward free rooms and flights
  • Free travel insurance coverage

A secured card requires you to put down a deposit, usually starting around $200. You then charge and pay your bill as you would with any other credit card. You won’t lose your deposit as long as your making payments on time.

Top travel reward secured credit cards include:

  • SKYPASS Visa Secured Card (miles on any of 29 partners to Korean Air’s SKYPASS program, $250,000 in travel insurance coverage)
  • AeroMexico Visa Secured Card (miles on AeroMexico, companion flights, discounts, free baggage)
  • Capital One Secure Card (cash back, car rental insurance, trip accident insurance)

Organize a Group Trip for Maximum Benefits

Hotels and cruise ships catering to Spring Break crowds often provide group discounts. The number of rooms you need to book before free nights kick in depends on the supplier, from five to twelve rooms. Using a travel agent can help you tap into the best deals. Just make sure whoever you use rebates the discount instead of keeping the bonus all for themselves.

Successful group leaders can have the entire cost of their cabin or room at an all-inclusive resort rebated back to them. All it takes is finding enough people to travel to the same place at the same time. Resorts sweeten the deal by offering special meeting space and group benefits, like parties, chocolates or special excursions for your group available at discount prices.

Opt for Off-Beach Spring Break Escapes

Florida. The Bahamas. Myrtle Beach. They’re all popular spots for March and April getaways. Unfortunately, the surge in interest drives up prices, but you can enjoy warm weather and lower costs by heading to a different vacation spot.

Some of the best cities to visit during Spring Break include:

  • Santa Fe, NM
  • Austin, TX
  • New Orleans, LA
  • Nashville, TN
  • Scottsdale, AZ

National parks can add affordable adventure to a trip too, with the best sites of the season including:

  • Grand Canyon
  • Channel Islands
  • Zion National Park
  • Great Smoky Mountains
  • Joshua Tree National Park
  • Great Sand Dunes

You could even take a kitschy themed road trip including like an extraterrestrial trek to Roswell, NM, and nearby White Sands National Monument. There are many ways to save while getting away for a few satisfying days of fun.

If you’re learning how to save money for Spring Break, an auto pawn could help. It’s always nice to have options when you are trying to make the most of your budget. Call your nearest Title Tree location for help now.