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The  unexpected, high-cost events that occur in life always seem to come when money is tight. Sometimes these costs leave us falling behind on our regular monthly bills. Between expenses for rent, electricity, water, cell phone, car, insurance bills and more, it’s hard to keep up with all these varying due dates. It doesn’t matter if you’re short on funds or living paycheck-to-paycheck, being late can impact your credit and cause some serious consequences. Tio Rico are here to help make sure that you  avoid eviction, pesky late fees, and a plummeting credit score. Here are our top 4 tips to staying on top of your bills:
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College is an exciting new time in life, but with knowledge comes debt. From textbooks to crazy tuition prices on the rise, many people are wondering how they’re going to be able to afford it. Although getting through four years of college while staying in good financial standing is almost impossible nowadays, the experts at My Tio Rico have the right tips to keep you on track to saving as much as you can during the school year.
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Impulse buying: we’ve all done it. Whether in the grocery store, at the gas station, or in your favorite clothing store, an impulse buy usually pertains to purchasing something unnecessary without having planning to  do so in advance. This type of buying tends to happen when we’re bored or in an extreme of emotion. However, this type of expense can add up rather quickly. Learn what you can do in order to avoid these impulse buys or what you can do to make up for that loss by applying for loans in Arizona through My Tio Rico! (more…)

We all dread it, costly summer energy bills. Do you ever brace yourself before opening the envelope or as the online payment page opens? The summer can be the best time for a lot of things, but overpaying on your energy bill because of the heat isn’t one of them! Lucky for you, the New Mexico car title loans experts at My Tio Rico know just what you can do to ensure that you aren’t overspending on your bills. Check out the following tips in order to save money–and energy–now!


1. Set your thermostats
Setting the thermostat and maintaining it at the same level should decrease your energy by at least a small amount. It’s also a good idea to make sure that your kids stay away from turning it up or down. (more…)

Buying your first house is unequivocally one of the most overwhelming, yet exciting experiences you can go through. The process involves seemingly endless amounts of paperwork, infinite choices, and tons of other things you need to be on top of at any given moment. The Auto Title Loans Arizona experts at My Tio Rico have compiled a step-by-step guide to help you make sure you know exactly what you’re doing while maintaining a good idea of your finances, visits, and sanity!
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Like most Americans, you probably spend a big part of your budget on food and groceries. Typically, the average family’s food costs per month average about $800. For many of these families, it may be hard to stay on a healthy diet because quantity can overpower quality when it comes to being on a tight grocery budget. Children in these families may be more apt to consume foods that have higher calories and lower nutrients than other options, ultimately leading to a greater possibility of long-term health problems and obesity.

Healthy eating is absolutely worth the investment. Shopping for items that are exclusively organic may be unrealistic and may break the budget but with a little planning and creativity you can create healthier meals and provide nutritious snacks for your family. The goal of this post is to show you that you can shop healthy while still staying in your budget this summer. (more…)

Did you know that 62% of Americans don’t have an emergency savings fund? Or that 47% of households don’t save anything at all? And that 76% of Americans say they are living paycheck-to-paycheck. What many people don’t know, is that you don’t have to live your life like this. With Tio Rico, you can break that paycheck-to-paycheck cycle and commit to taking charge of your financial life. Here are three steps to help you get started!

1. Examine your current budget and spending habits
In order to say goodbye to living your life via the paycheck-to-paycheck cycle, you should commit to tracking your spending. Evaluate how much money goes whereby creating a spreadsheet that lists how much you’re spending on food, clothing, gas, etc. Are there any surprises? Do you realize how much you were spending, and on what? Purchases such as coffee, happy hour outings, and even online subscriptions really add up. Are there things that you can eliminate? If yes, then start now. (more…)

How much money should you have saved for life’s unexpected events? More importantly, how do you make room in your budget to finance an emergency fund? The experts at Tio Rico Te Ayuda are here with tips to help you learn some quick and easy ways to get your emergency fund started! (more…)

Cars are expensive, so keeping your vehicle in the best condition possible throughout the entire time you own it is very important. No matter what, all cars lose their value over time, so here are some tips to slow down that car depreciation process and keep that hard earned money in your pocket. (more…)

Food is expensive. It’s also very easy to make impulse purchases at the grocery store that may send your budget in a tailspin. In fact, grocery stores are set up to tempt you to spend money. Candy bars, quick snacks, and gum are located at the checkout counter while and necessities like milk or eggs are located in the opposite end of the store. Sneaky, right? Lucky for you, we can give you some tips to save on your grocery bill and can offer you short term loans if you have a big grocery bill. (more…)

Life takes a lot of unexpected twists and turns. What happens if something goes wrong? What happens if that something is really expensive? By setting up an emergency fund, you can relax knowing that if anything does go wrong, you’ll be able to get through any situation while still being financially comfortable. How much should you have saved up? The amount differs for each person, but a good emergency fund entails three months worth of money. That means any expense you need to live comfortably without working for three months. Avoid financial ruin by reading up on some of the emergency fund tips and knowing that quick cash loans from Tio Rico are available if you need one! (more…)