Top 10 Ways People Are Throwing Away Their Money

October 19, 2020 | June Mckaig

 throwing money in trash

 

Reaching financial goals and keeping spending within a budget can be tough, especially when unforeseen circumstances abruptly rock your world. There are also unseen expenses that fly underneath your radar. You may be throwing money away and not realizing it, or not know how to avoid it. Are you throwing money away? Below are the Top Ten ways that you could be.

Stop Doing These Ten Things And Wasting Money

Unnecessary Utility Usage

Although leaving the lights on or running water continuously are the main things that you think about in wasted utility use, other less obvious things can slip our minds. Things like leaving things plugged in while you aren’t using them. You are actively draining power with just having things plugged in.

Outdated appliances can also take your money. If your appliances are not energy efficient, you are adding money to your utility bills.

Paying For Free Things

Yes, you read that correctly. Today's society pays for numerous things that, if you think about it, aren't necessary. Things like bottled water for example. If you would just invest in a filter, you won’t spend so much on bottled water. And you’ll be helping the planet. You also don’t take advantage of free outings or discount days in places like museums or amusement parks. And instead of sharing books and movies with friends, you buy them.

Bank Fees

Bank fees add up fast and are avoidable. You shouldn't have to pay for basic checking. And there are plenty of entities that offer the service without monthly bank fees on balance or transactions. A little investigation could save you hundreds.

Gym Memberships

It is easier and far less expensive to work out in the comfort of your own home – with the added bonus that you can dance like no one is watching. Take a stroll around the block or multi-task by blasting your 80s music and cleaning the house instead.

Overspending For Cell Services You Don’t Use

Attempting to decipher a cell phone bill can be a challenge. If you take a close look at it, there are likely services on the bill you don't use. If you don't know what the line item is, ask. Cater your plan to what you are really using, and you can save a ton.

Throwing Away Leftover Food

People throw-away an insane amount of leftover food. Reserving two 'leftover' nights at the dinner table will ensure that you are not wasting and simultaneously give you two nights free from cooking.

Flying By The Seat Of Your Pants

Most people don’t have a set plan when they do things. They’d rather just make it up as they go along. Having a game plan and budget will allow you to see what you are actually spending and where. Knowing what you spend goes a long way in figuring out what you need to do to cut the dead weight.

Not Taking Coupons Seriously

We tend to forget all about coupons. Especially when we are already paying, coupons don’t even occur to us. And some people just refuse to use them. But you are actively giving away money you could be saving if you just used the coupons available to you.

Letting Gift Cards Expire

Chances are we’ve been given a gift card that we’ve let expire. What a tragedy! You probably have a drawer full of old gift cards. That is a wasted opportunity for you to get something without spending your own cash.

Having Unwanted Or Unused Items

If we are being honest, we all have stuff that we no longer use or want. It just sits there stuffed in a drawer, never to see the light of day again. Whether it was a gift or we fell prey to the strong allure of a sale, we all have unused things. And chances are these things are somehow draining your pocket. 

 

 throwing money away

 

Deal With Unexpected Situations With Title Loans

When you throw away your money doing any of these ten things, it’s easy to stop and just start saving. But, sometimes, an emergency pops up and catches you completely unprepared. When that happens, one resource you have to turn to is title loans Utah. This is a secured loan that uses your vehicle’s title – that is in your name and free of prior loans – as collateral. With this loan, as soon as you are approved, you can get the cash quickly. And you can qualify between $300 - $15,000. Plus, there are a lot of other advantages to title loans.

Advantages of Title Loans

Need the cash to help pay off those medical bills? Title Loans are the solution to help handle those pesky emergencies to save in the long run. There are several advantages, such as:

  • Our process is quick and easy. We even offer to come to you so you don’t have to come to the store!
  • You get to keep your car. We use your title as collateral; not the car itself. So as long as you stick to the repayment schedule, you can keep your car.
  • Whether you have great credit or not, it won’t affect your chances of getting a title loan. Yes there is an approval process – meaning you can always be denied – but it won’t be because of your poor credit.
  • We work with you to come up with a manageable repayment schedule. We want to help you as much as we can. So if you need to tweak your repayment schedule, come talk to us and we will see what has to be done.

How To Get A Title Loans Near Me

Like I said, our process is quick and easy. So easy in fact we offer you two ways to go through the approval process. Both ways start with you filling out the online form on our Utah Title Loans homepage. Once you submit the form, wait by your phone. We will give you a call to let you know what the rest of the process is. We will tell you what mandatory items you need and answer any questions you may have. Now is also where you are offered two options.

While you are on the phone with a loan representative, you can give us a location and we will meet you. Whether at your home, the park, or anywhere else, we will do the leg work. Of course you can always opt to look up ‘title loans near me’ and come to the nearest Utah location. Whether you come to us or have us come to you, you still have to have some required items. Those items are:

  • Your driver’s license or ID.
  • Your vehicle’s title that is in your name and free of prior loans.
  • Your vehicle for a quick vehicle inspection. The inspection determines the value and condition of your vehicle – which allows us to determine how much you qualify for.

Once we meet in person – either at the store or different location – you will know if you’ve been approved and we will go over the loan terms. The loan representative will also do the vehicle inspection and have you sign the agreement. Then you will either get the money right there or the following bank business day.