Many people worry about how much they will spend at Christmas and tend to stay within budget. However, some find the holidays even more meaningful when families plan around budget alternatives, focusing on being together rather than the cost. 

Fortunately, there are plenty of choices that can help build memories. Below are four ways to spend time with your family this holiday season. 

How Can You Save Money This Holiday Season? 

1.) Cookie Baking

Those with younger children should make time to make Christmas cookies. You can make it more memorable by using old family cookie recipes. This activity could involve several generations to mix family stories with the cookie dough. 

2.) Christmas Movie Night

Sharing your favorite holiday movies with your family also shares your values and feelings. Pop up popcorn and get the cookies out for family movie night!

3.) Make A Tradition Out Of Giving

Many people may think they don't have enough for Christmas, so they can't give. That's not true. You don't have to be rich to give. It can be a dollar in the holiday bucket outside stores or buying one toy for a needy child. 

4.) Get Creative With Gifts

Who says you have to buy all your gifts? Children learn from your example, so it's essential to teach them early that gifts should be from the heart. That means some gifts can include a homemade variety. Another option is to encourage the family to make a gift of their skills. A child gifted in technology can give time to help set up a webpage. 

As an adult, you have many skills you can use to give gifts to immediate and extended family and friends rather than buy a gift. A sister may enjoy a free night of babysitting to go out, and your mother may appreciate a free thorough housecleaning. 

What If I Need Urgent Money?

Emergencies don't take time off for the holidays. They can happen at any time and can cost a lot of money. A car repair, a high water bill, or a leaky toilet can wreck a Christmas budget. Those who find they need extra cash during the holiday season have options. 

Those in Tennessee can find help through Tennessee Title Loans, Inc. We offer three types of loans available: title, payday, and lines of credit. 

1. Title Loans

Title loans may be an option for those who own a vehicle and need more money. This private lender offers title loans from $300 to $2,500. You will need a driver's license or state-issued ID, a clean title, an available vehicle, and proof of income to seek this loan. 

2. Payday Loans

Those who need a little to get by until the next payday have payday loans as an option. We offer payday loans from $100 to $400. All you need to seek this loan is a driver's license or state-issued ID, your most recent pay stub, and a blank check from an active checking account that lists you as a primary account holder. 

3. Line of Credit Loan

Lines of credit are also called flex loans. At Tennessee Title Loans, Inc., a line of credit loan is a hybrid of a title loan and a payday loan. You will need a driver's license or state-issued ID, a clean title, an available vehicle, and proof of income, like your most recent pay stub. 

A flex loan differs from a traditional title loan in that you are approved for a limit but don't have to take all the money out at once. It functions like a credit line. You take what you need and pay back only on what you borrow. Once repaid, you can borrow it again for the loan term. 

This may be an option when determining what you need over the holidays. 

How Does The Loan Process Work?

You can learn more about these loans by completing the online inquiry form. The form is sent to the nearest store. A loan representative will call you to answer your questions and explain the rest of the process. 

You will be directed to a store or to meet a loan representative at a location that works best for you if you want a title loan. You can bring all required documents to the meeting for a loan representative to verify them. They will help you with the rest of the paperwork. This process can be completed in as little as 30 minutes. 

Those approved will get their money the same or the following business day. 

Fill Out The Online Inquiry Form

It takes only a few minutes to fill out the online inquiry form. Those few minutes could provide a solution to your financial emergency. Tennessee Title Loans, Inc. looks at those with all types of credit and may have a solution for your emergency. 

Finding fast cash for an urgent holiday need could help you stay within budget while you enjoy saving money with budget alternative celebrations.

 

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.