Super Single Mom Blog

I am opening up my own business. I am opening up a thrift clothing boutique. I can bring my 1 year old, get donations for 100% profit, and hopefully find direction and something solid in my life.

I can’t think of a name yet, but I have put the electric, water, and business license in my name. For someone who doesn’t have any money this is pretty scary, and I don’t want to fall back on title loans again to just get by.

With the recession I feel this is a full proof plan to get cheap items to everyone that are fun and funky. This could actually work.

Wish me luck!

The Easter Bunny came to our house by the skin of his teeth. Luckily mommy went and cashed in for a few dollars to make sure dinner and the basket were on the table.

Title loans have been my way of managing for a time now. I have been going to my local Georgia lender (Because I am in Florida and they do not offer them.) Anyways I just get $500 and they give it to me and I do what I need to do and when I get paid on the first I return the money.

So far it has been great!

This is my favorite Easter Bunny Picture–

My state does not offer title loans. But, I have found a way to get one in a different state.

I live in Tallahassee and Georgia is pretty close by. If you go to a website that will direct you to a Georgia title loan lender you can fill out the application online and then drive your car to the nearest lender. Once you get there you can have up to $10,000 in 15 minutes.

This is not just the case for Georgia and Florida you can do this in any state from Texas to Delaware…

If you need fast cash title loans are a great way to get your needs met, and if you are in a state that does not offer them you are now in the loop.

All you need is:

* a valid drivers license
* proof of employment
* Car with a valid drivers license.

My daughter and I were going to the beach and all of a sudden the car started to shake. Thank goodness I had been through this before as I recognized it as a flat tire. I immediatly pulled over.

Unlucky for me my resources are tapped out. I have no one left to borrow from and no money left on my credit cards. But, I do have AAA which everyone should have…what a savior. Also, unlucky for me is I has 2 flat tires.

So I had them tow my car to my local title loan lender and they actually gave me a loan there in less that 30 minutes for the amount I needed to tow the car and get 4 new tires.

Thanks goodness there was an option out there!

Title loans can be useful in a time of need. There is no need to be ashamed or listen to the slander against title loan companies if you are a responsible borrower. If you have a plan to pay back the loan, and you have a job there is no reason that you are not a candidate for a title loan.

Title loans are loans where the title of the car is used for collateral for a loan. These loans have very quick turn around time, and the lender does not care if you have bad credit. You just need a valid drivers liscence, a clear title, an estimate of the car (provided by the lender), and proof of employment and you can get up to half of the Kelly Blue Book value of the car.

It doesn’t matter what city you are in. There are Title loan lenders in every city waiting for you to fill out an application online and come downto the office in your area. This title loan website, Cash 4 You is great because it actually is a directory for the U.S. cities. You can go there and then click on the link for the city you are in and it will direct you to the website for your area.

Check it out you can get a title loan from $300 to $10,000 in 15 minutes. Goood Luck whatever city you are in.

Much has happened since the last blog. I decided that I would try and be an exotic dancer. What was thinking? It’s funny that being a mom is the one thing that finally turned me to doing things I would otherwise consider disappointing, but hey times are tough and money isn’t exactly growing on trees at the moment. The government is just genetically modifying it with stimulus plans and making more like they do with all of our food.

So I tell my big shot friend who invited me over for dinner that I couldn’t make it because I was taking a gamble at the “booby trap.” He told me he would pay $500 for me to dance for him. So all day I tried to talk my self into it. Channeling Mary Magdaline, and Forest Gumps mom’s who had to play unfair to get their kids what they needed. By the end of the day I was exausted but had finally convinced myself that this was a good idea.

I put on the sluttiest, yet cutest outfit I could think of and proceeded to show up to my friends house. I brought my dog for safety (He is a shitz-u mix.) I come 2 hours late (because I was so nervous) and the dinner he made was cold on the stove and since I hadn’t had a meal in 5 days I pretty much devoured it. Now I will never know if he was kidding or not but he led me to believe that he never thought I would actually do it and he didn’t want me being a stripper and he wanted me to hang inthere because I was better than that.

THANK GOD HE DID, because at that moment I stepped outside of myself and thought what the hell am I doing? I am sure at some point he regretted saying this and p[robably should have got his $500 lap dance (which he said was an escort price, I beg to differ since I am a rockin dancer) But I guess we will never know because he was a gentlemen and I was a hot mess.

So if you are desperate for money don’t be a stripper, get a title loan =)

I am working on a big painting job. I have 24 doors to paint at $40 a door (I robbed myself). It sounds like  a lot of money but it is really peanuts for the work. I guess I am starting my own business and I am learning what not to do. Always get a deposit up front.

For some reason I though I would be done in a week. Of course I didn’t expect to get sick either. I have been sick for 2 weeks and made the mistake of not getting a deposit. The peopl are going out of town and I havent finished the job.

What did I do? I got a title loan. I worked with the lender to get the specifications that I needed to pay it back when I get paid and I am home free. It really worked for me. Now if I can throw in a couple upgrades on the job I can pay for the interest.

Title loans really can work.

You may or may not have heard the hype about Title loans and Payday loans. Some states are trying to outlaw them, and articles pop up every now in then about how bad the lenders are to the “poor. (even though most borrowers are middle-class.)

An article in USAToday said, “They can both trap borrowers in long-term debt, but with a payday loan the collateral is a personal check. With a car title loan, it’s the family’s most important asset,” said Leslie Parrish, senior researcher for the Center for Responsible Lending.

Many states are setting up guidelines and regulations for these big title loan and payday loans to follow. New Hampshire title loans are almost set in by law to a 36% capped interest rate for these loans, and Virginia title loans have no guidelines set at all.

In a time like these where everyone is tapped out and no work is coming in, I have a feeling that these title and payday loans will be very popular. The funny thing is that these personal loan lenders lend billions of dollars a year to people that would get turned down by the “Quote” on “Quote” TRADITIONAL BANKS who are now asking for a federal bail out because of poor financial judgement and thievery. How ironic is that?

People who are left with nothing can technically still get one of these loans if they still have their porsche left. Hey, payday and title loans can still lend money to people, and  your local bank may not, heck your national bank may not be able to. Before you feed into the hype make sure that you look at both sides…

My parents own a cabin in South Carolina way up in the mountains. I happen to have a 16 year old car who has never seen the sight of snow (and has no heat I found out.) As I was driving up the mountain on Christmas Day my car slid off the side of the road.

After and hour and a half AAA took me and my car to the nearest body shop in backwoods Carolina. After 5 hours my parents picked me up because the cell phone didn’t get reception at the top of the mountain. I was not only annoyed but had no idea how I was going to get back to Florida.

Just so happens that my iphone worked and I googled South Carolina title loans, because I figured that even if I went bad on the loan the car was a piece of crap anyway and they could keep it. Just so happens I was approved for the application process through my iphone, granted $1500.00 which fixed my car at $750.00 and I returned the other $750.00. Thank god I had all the paperwork I needed in the glove box.

I just wanted to share how these loans can really help. I once again love my little vintage convertable and she got me home with out a hitch. I repaid the $750.00 yesterday and it feels so good to have had a arm when I needed it.

The average household has about $9,000 worth of credit card debt. Credit cards became very popular once Credit card companies started hanging out at colleges offering cards to young adults who needed money. Now debt and collectors are a way of life for Americans. Although becoming more unpopular, and harder to get, credit cards are still very prevalent in today’s world and in today’s youth.

There are other types of personal loans that are not so invasive, even though they get a bad wrap. Title loans and Payday loans are rumored to be “bad” because they are short term with very high interest rates. That is pretty funny considering that credit cards are long term with very high interest rates and most people never get out of credit card debt because of these interest rates.

Title loans are loans in which the borrowers car is used for collateral for the loan. There is a time that loan should be repaid and if it  is not then the lender keeps the car. There is no credit check, there is no hassle, and the turn around for these loans is really quick. Let’s face it it’s not just America’s civilians that created this crisis the economy is in, it was also the big companies and lenders who put people in the position that they lost everything. Most of America in a position that they may not have any options left and if they lost their jobs like most of us then a title loan may be a great option to make the last rent payment before foreclosure until unemployment kicks in.

Payday loans may be a better option for those who still have a job. Payday loans are loans that are given before the next paycheck. This is good for things like Christmas or emergencies when you just need help right away. These loans are always to be used if it is a dire emergency and never if you don’t have a plan to pay it back, but all you need is a job and you can get a payday loan.

Title Loans and Payday Loans are nationwide and state specific. Arizona title loans, and Texas title loans are very common states for use. The internet is a great way to research your options and now as the future arrived some of these sites even have a virtual host who can help explain all the steps and benefits of these loans.

This is something to think about if you are running out of options. Times are tough and no one is arguing that anymore.