Ways to Financial Relief – Save Your Energy

Ways to Financial Relief – Save Your Energy

Dang, it’s cold. So, like the summer months when we’re cooling things down in our houses in Texas, we’ve been heating them like crazy this month. This means our utility bills will be higher this month. More electricity, more gas, more hot water equals more money.

We’ve found a great energy hack. It’s called Energy Ogre. Basically, for $10 a month, Energy Ogre searches for the best deals for you. Energy Ogre states they save members an average of 40% within their first year. Texans spend an average of $1,542 per year on their electric utility. Using Energy Ogre, could save over $600.

Why pay retail energy costs when you can buy it wholesale. Try this code when you sign up: https://eog.re/r/11SFG.

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Ways to Financial Relief – February Financial Strategy

Ways to Financial Relief – February Financial Strategy

February is an important month. It’s Black History Month and the month of Love. It’s also the month when most New Year’s Resolution fail and when you should have all of your tax information.

Take a few moments to review your New Year’s Resolutions and recommit to achieving them. You are not behind so consider February a fresh start. Renew your motivation to exercise and eat healthy, spend time with family and friends, and, of course, stick to your financial plan.

February is also the month to get prepared for filing your taxes. Gather your tax documents from 2020. Most of us have received W2 or 1099 forms. Get ready to file so you can get your tax return as quickly as possible.

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Ways to Financial Relief – Easy Budgeting Rule

Ways to Financial Relief – Easy Budgeting Rule

Creating a budget is not hard. It is stressful. Being disciplined with your budget is hard. It’s even harder when the numbers and your demands just don’t add up.

There is an easy method for building and staying on budget. Try this framework:

50 / 30 / 20 or Need / Want / Save

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Ways to Financial Relief – New Year’s Resolutions

Ways to Financial Relief - New Year's Resolutions

Time for a fresh start. Let’s put 2020 behind us and get motivated for 2021. A lot of people start the year by making New Year’s Resolutions. And most of these resolutions fail by Valentine’s Day. It takes approximately 66 days to change habits and make them automatic but most of the new habits we are trying to create have fail before we hit day 42.

How can we shift this?

The first step and most important factor is lifestyle. Most of our New Year’s Resolutions have to do with changing our habits – Fitness, Health, Finances, Organization, Learn. In order to achieve our goals for the new year, we have to change our lifestyle, which allows space for these new habits.

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Ways to Financial Relief – Financial Gifts

Ways to Financial Relief - Financial Gifts

Give the gift of financial relief, financial security or financial education. Sometimes the most practical and pragmatic gifts turn out being the best gifts. We’ve come up with a few ways for you to give the gift of financial relief.

GIFT CARDS – Instead of giving cash, give a gift card to the recipient’s favorite store or a Visa, Mastercard or American Express branded gift card that they can use anywhere. Gift Cards to Target, Walmart and Amazon are also great. And restaurant gift cards including food delivery platforms are also available. Gift cards can often be purchased online and delivered electronically so shopping only takes a few clicks and a few minutes.

BOOKS – A little learning never hurt anyone. We’ve selected three books for people of all ages and financial situations. Three great books by three great authors.

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Ways to Financial Relief - Seasonal Jobs

Ways to Financial Relief - Seasonal Jobs

Need extra cash this time of year? Have extra time on your hands? Are expenses piling up? Several companies are gearing up for the holidays and looking for hardworking people like you.

Here are 17 companies that are hiring seasonal workers. Check out Seasonal Jobs at Glassdoor:

  • H&M
  • Talbots
  • FedEx
  • Amazon
  • Gap
  • Crate & Barrel
  • Burlington Stores
  • Old Navy
  • Nordstrom
  • Whole Foods
  • Macy’s
  • Apple
  • Best Buy
  • Lowe’s
  • Ulta Beauty
  • UPS
  • Target

When you need a little cash to help you through this time of year, CashMax can help:

  1. Get pre-approved for a cash advance up to $2,000 or title loan up to $5,000 over the phone from one of our knowledgeable associates.
  2. You can start the process of getting a cash advance or title loan online.
  3. CashMax has 38 convenient locations in Texas to serve you:

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Ways to Financial Relief – Planning to Plan

Ways to Financial Relief - Planning to Plan

November means it’s time to plan. This is planning season. A time when you need to plan for Thanksgiving, Black Friday, Cyber Monay, plan menus, guests lists, Christmas and holiday gifts. You may be planning for your kids to be home more often or planning a short trip. And it’s never too early to plan for 2021. November is a busy month and it can be stressful on your finances, so planning your budget is important. The better your plan, the easier it may be to be prepared and avoid stress.

Here are some of the most common things we spend money on in November.

  • Home improvements
  • Getting ready for winter – clothes and household items
  • Thanksgiving meals and baking supplies
  • Black Friday
  • Cyber Monday
  • Early Christmas shopping
  • Activities for kids
  • And did you know that November is the best month to buy a new TV.

This is an expensive time of year, so create a budget and most importantly prioritize what you need and when you can afford to buy it. Many people are intimidated by the thought of creating a budget but don’t let it scare you. It will probably relive stress in the long run.

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Ways to Financial Relief – It’s Car Buying Season

Financial Relief - Car Buying

It’s car buying season. Well, it’s Fall which means it’s football, Halloween and Thanksgiving season but it’s also car buying season. So, when is the best time to buy a car and what are some of the tricks to buying your new treat?

There are a lot of useful answers here so let’s identify 2 categories – Ends and Months.

THE ENDS

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Ways to Financial Relief - Cut the Cord

Cut the Cord - Financial Relief

The average family spends over $200 per month on cable. Let’s compare that to streaming services and can you really save money when you cut the cord without sacrificing getting the programming you want.

The Los Angeles Times found that the average person pays for or subscribes to four streaming services. Note which ones you pay for each month here...

Netflix, Hulu, Amazon Prime, Disney+, YouTube TV, Apple TV, Peacock, HBO Max, Sling and more on the way.

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5 Ways to Financial Relief – Fall Financial Check-Up

Fall Financial Check-Up

Let’s take a financial challenge. Do you think you could save more than $1,000 in four hours? We think you can save more than $2,000 year if you really dig in. There is no better time than now to negotiate and try some new habits. Try to schedule a financial check-up at least 3 times per year – January, April and August.

We’ve put together 5 Ways for a Fall Financial Check-up.

  1. Cars – On average, it costs over $700 per month to own a car. Many people are working from home and may be for the foreseeable future. Kids are e-learning or hybrid learning with fewer extracurricular activities. Have these factors changed your driving habits? Take a look at your situation and determine if you can sell a second car or if you need a car at all.
  2. Subscriptions – Subscription services can be great and convenient but over time you may not be getting the full value. At first, it was Netflix then you added Spotify, and Disney+ which added on Hulu and ESPN+ then YouTube TV, and the gym membership and food delivery service and on and on. The $4.99 here and $6.99 there and this and that. Suddenly you are paying hundreds of dollars a month for the convenience of watered-down subscription service you do not use. Take a few minutes to evaluate subscription services you are paying for then decide which ones you love, which ones you can consolidate and which ones you can cancel.
  3. Insurance – Have you seen all of the car insurance commercials. Feels like I should be saving a lot more. In Texas, the average person pays $117 per month per car. Insurance is competitive so at least once a year compare rates. There are several websites and apps that will show you competitive rates and it only takes a few minutes and switching insurance is not complicated.
  4. Bank Fees – The average checking account costs almost $15 per month plus ATM fees. Several banks offer free check but is it really free and what are the requirements to get free checking. Do you need a high minimum balance and direct deposit? There are several free checking account options with full features like debit cards, free ATM usage and refund out of network fees, provide checks, online bill pay, and mobile banking apps. A few minutes could save you more than $100.
  5. Credit Card Debt – This one is uncomfortable and stressful. We often don’t want to look at our debt but could save hundreds of dollars. The average American carries over $6,000 of credit card debt with an interest rate over 18%. That means you are paying over $1,100 per year in interest alone. Remember, credit cards are revolving debt so will always owe money, but it you get a loan to consolidate these debts, you could pay it off and be debt free.

When you need a little help to get from where you are now to where you need to be, CashMax can help:

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