Tag Archives: shopping

Before and after photos: How many of these can you relate to?

Before: Shopping to your heart’s content and just putting everything on your credit card

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After: Checking your credit card statement a few weeks later

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Before: Registering for your very first semester in college

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After: Realizing how much money you owe in tuition

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Before: Checking one of your FICO scores and seeing that it’s gone up a little bit

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After:
Checking the other two and seeing that they’ve gone way down

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Before: Finding out you finally saved up enough to buy a car in cash

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After: Realizing that it wasn’t as much as you thought, and your options are rather limited

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Before: Being super pumped about finally moving out on your own for the first time

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After: Realizing you’ll actually need a roommate and getting stuck with one who is a total lunatic

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Do you need extra money to catch up on a sudden expense? Life can be unpredictable, and if you’re feeling overwhelmed with bills, J.G. Wentworth wants to help if you’re receiving long-term payments from an annuity or structured settlement. Call us today at 877-227-4713 or chat online with a representative to learn more!

J.G. Wentworth claims no credit for any images posted on this site unless otherwise noted. Images on this blog are copyright to its respective owners. If there is an image appearing on this blog that belongs to you and do not wish for it appear on this site, please e-mail information@jgwentworth.com with a link to said image and it will be promptly removed.

A letter to my past self: Put down those credit cards

Dear Past Self,

I have gone back and forth about whether I should send you this letter, because you know, if someone knows too much about their future it can mess with the space-time continuum and all that stuff. But things are kinda bad right now and I figured it was worth the risk.

I am writing to tell you to stop using those credit cards. This is not a joke. Seriously. Put. Down. The. Credit. Cards.

I know you’re having a lot of carefree fun right now and the bills seem manageable, but eventually things spiral out of control to the point of no return. Yes, future you is a bit dramatic. And broke. And depressed. And about to get evicted.

In particular, there are specific events that I’d like to warn you about, in hopes that you’ll recognize when they’re happening and avoid them completely:

You don’t have to accept every credit card offer you receive in the mail

I know you feel special every time a letter comes that says you’ve been selected to take advantage of a particular credit card program, and that being pre-approved means you simply can’t let the opportunity slip you by. But stop. Right now, you have two credit cards, and that’s an acceptable number. Future you has 27 of them.

Ban yourself from shopping online

It ends up getting way too easy to spend a lot of money in such a short time. You end up getting several packages on a daily basis over the next few years. You don’t even remember what you order anymore. You had a spare key made for the mailman. Your garage is literally filled with cardboard boxes and you can’t park your car in it. You’re sick, truly.

You really don’t need that Hawaiian t-shirt in every available color

They’re insanely overpriced, stupid looking, and we never end up wearing any of them. It’s kind of embarrassing how much we end up paying for them over the years when you factor in the interest charges. Now, there a ton of dumb purchases you’ve made throughout the years, but I really felt the need to bring this one to your attention. Please, just don’t.

Make bigger payments

I contemplated sending this letter to a point in time when you never even had a credit card yet, but when used responsibly, they are great tools for building your credit. But the keywords here are used responsibly. Those minimum payments are just barely covering the finance charges. Literally, our balances haven’t changed in the future by much. Make bigger payments! I know we have some extra cash to make it happen every month, and every little bit helps.

Don’t ignore your bills

If you’re stupid enough to ignore everything I’ve said in this letter so far, do us a favor and don’t end up ignoring your bills when things start to get overwhelming. Because it happens, and we end up getting awfully creative with those pesky bills that arrive every month. Campfire starters, birdcage liners, emergency toilet paper—you name it, we’ve done it. Definitely not good decisions. Open them up, make the payments, and repeat. Do what you can to work out payment plans with the creditors—don’t ignore their phone calls.

Contact J.G. Wentworth

I know times are tough and you’ve been using credit cards to catch up on other bills, but seriously, why? You’re receiving structured settlement payments and J.G. Wentworth can help get you that money sooner. Just call them and they’ll help you out!

 

That’s really all I can say, but I hope this letter reaches you and that you take it seriously, especially that last part.

Here’s to a less depressing future,

Your Future Self

Inexpensive and fun ways to celebrate the first day of autumn

If fall is your favorite season, you’re certainly not alone: many people rejoice when the blazingly hot summer days come to an end. If you’re looking for something fun (yet cheap) to do as you welcome autumn, the following are some ideas:

 

Fruit picking
 
It will vary widely depending on where you live, but in many regions, the beginning of fall is a prime time for lots of different fruit picking—apples, pumpkins, and so on. Compared to the grocery store, you’ll often spend the same (or even much less) by picking your own, and it can be a fun outing for the whole family. PickYourOwn.org is a great resource for finding out what fruits and veggies are available for picking in your area, in addition to listings for specific farms in your town.

 


Halloween events

Even though the beginning of fall is still over a month away from Halloween, it’s not too soon to begin getting into the spirit. Halloween-themed events start to pop up everywhere around this time, many of which offer free or cheap admission. From hayrides to haunted houses, getting your scares in in late September can often save you money with early bird pricing.

 

Stock up on summertime essentials

From swimwear to sunscreen, cooler weather and a change of seasons will mean that many retailers will need to clear their inventory for the fall arrivals. Take advantage of these sales and stock up on what you need, whether you visit your favorite stores at the local shopping mall or shop online. When summertime rolls around again next year, you’ll already have what you need and won’t have to pay full price.

 

Buy a car

Okay, so a car is a big purchase. But if you’ve been in the market for a car for a while now, or your current car is seriously overdue for a replacement, shopping at the right time of year can save you big bucks. According to AutoTrader, late summer/early autumn can be one of the best times of year to buy a new car, so maybe the first day of fall can be the ideal time to make your move.

 

Do you have bills and other expenses to catch up on? J.G. Wentworth can help if you’re receiving long-term payments from an annuity or structured settlement.

J.G. Wentworth claims no credit for any images posted on this site unless otherwise noted. Images on this blog are copyright to its respective owners. If there is an image appearing on this blog that belongs to you and do not wish for it appear on this site, please e-mail information@jgwentworth.com with a link to said image and it will be promptly removed.

July Bargains: You Won’t Believe How Much You Can Save!

The month of July falls in the heart of summer, and is accompanied by a unique combination of seasonal goods and services that smart shoppers can find at reduced prices. Here are just a few:

1) Furniture

Major furniture stores begin introducing next year’s furniture models in August and early fall. That makes July a great time to find discounted items at stores like Crate and Barrel, which will be looking to sell their stock to make room for new merchandise.

2) Barbecues and grilling supplies

With Father’s Day past, now is the perfect time to find grilling equipment at discounts approaching 50%. You’ll find lots of offers for grills and grilling supplies from general stores like Home Depot and specialty stores that sell barbecues exclusively.

3) Home décor

Summertime is prime wedding season, and stores that specialize in home decor frequently go out of their way during these months to attract newlyweds looking for great deals.

4) Computers

Computer prices traditionally decrease in July before they begin moving upwards in August and September.

5) Suits

Summertime dress is usually on the more casual side, and many suit retailers hold sales during this time to attract customers who would otherwise never consider buying any fancy attire. July is also great time to buy a suit as old spring suit merchandise now becomes out of date.

6) Jeans

Along the same lines, July also is a great month to buy jeans! Few folks go out of their way to buy jeans during the summer, so stores across the country will usually have deals in place to encourage a purchase.

7) Back to school supplies

The upcoming school year is closer than you might think, and many stores begin offering back-to-school sales around this time for school-related supplies and clothing. Get a jump on bargains by getting this shopping started now.

We hope this list of discounted July items gets you thinking about all the ways you can stretch your hard-earned dollars in the weeks ahead. And always remember that J.G. Wentworth, the nationwide leader in purchasing future structured settlement and annuity payments for cash, is available anytime to discuss purchasing your structured settlement payments. Call us today at 877-227-4713.

Cheap, fun ways to celebrate the first day of summer

Longer days, warmer weather, and endless outdoor fun—it’s no wonder that summer is a season that is beloved by so many. If you’ve been anxiously awaiting for the return of summer, your wait is almost over: summer 2016 officially begins on June 20th. If you’re ready to welcome the change of seasons with open arms, the following are some ways you can celebrate the first day of summer on the cheap:

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Make a list of fun plans

Now that’s officially summertime, it’s the perfect time to sit down and make a list of all the things you’re planning to or want to do before the fall. Planning for fun can be an enjoyable activity on its own—no, seriously. It’s free, gets you psyched for all the awesome times ahead, and ensures you won’t forget all the things you want to do.

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Stock up on summertime essentials

From sunscreen to swimsuits and everything in between, the beginning of summer can be the perfect time to go shopping and stocking up on some warm weather necessities. By taking advantage of sales and other promotions, you won’t be forced to pay full price for the items you need throughout the season. Purchase in bulk when you can and it when makes sense, so that you’ll be prepared for the entire summer—for example, charcoal for your barbeque grill (or an actual barbeque grill if you find a good deal). By shopping smart and planning ahead in every way possible, you can cut down on your expenses throughout the summer.

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Shop for off-season clothing

Out with the old and in with the new: this is a common motto that a lot of retailers live by when it comes to seasonal changes, and you can reap the benefits if you know where to look. If you do decide to spend the first day of summer shopping, be sure to check out sales for out-of-season products—more specifically, clothing. Even though you want to be prepared for summer, you can take advantage of steep savings by stocking up on clothing for cool weather, which is frequently discounted in order to make room for new inventory.

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Take a hike—literally

Have you been cooped up indoors all year because you live in an area that has winter-like weather all throughout the “spring” as well? Now that the weather will be a bit more pleasant and you can step outside without a thousand warm layers, take advantage of it. If you tend to exercise indoors, for example, go for a scenic hike. Not only is it a great workout, but it doesn’t cost a dime. If you pay for a gym membership, consider pausing it during the warmer months (if possible) and you’ll save even more money.

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Go camping

Are you dying to get away and change things a bit now that it’s summer, but you’re on a tight budget? Camping can be a fun and very inexpensive way to get away and welcome the change in seasons. With campsites all throughout the country, you probably won’t have to look far for availability. Renting a campsite is pretty cheap—often just under $30 a night. You’ll need a tent and camping equipment, but you could also rent it. If you think you might want to go camping multiple times throughout the summer, though, it can be more cost-efficient to buy your equipment in the beginning of the summer so that you won’t have to keep paying to rent it.

For more ideas about saving money on popular summertime activities throughout the season, be sure to check out our other blog post: 8 ways to have summer fun on a budget.

Are you receiving annuity payments, but would prefer to receive your money sooner? Contact J.G. Wentworth today to learn more about selling some or all of your future payments for a lump sum of cash.

J.G. Wentworth claims no credit for any images posted on this site unless otherwise noted. Images on this blog are copyright to its respective owners. If there is an image appearing on this blog that belongs to you and do not wish for it appear on this site, please e-mail information@jgwentworth.com with a link to said image and it will be promptly removed.

Last-minute and inexpensive Father’s Day gift ideas

Father’s Day is quickly approaching and you have yet to get anything yet for dad. The panic has started to sink in. Reluctantly, you’ve decided that you’ll just keep it easy and simple since it’s so last minute, and you’ll just get him a tie.

Again.

Just like last year.

Your dad doesn’t even wear ties. Yet you still buy them for him and each time he hides (or perhaps openly expresses) his disappointment.

Procrastinating doesn’t mean dad has to get a lame gift, and you still have time to get him something awesome—without spending a fortune, either. If you need some inspiration for last minute and cheap Father’s Day gift ideas, consider the following:

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The gift: A bottle of his favorite liquor

Whether it’s a bottle of pinot or a smooth scotch, you can never really go wrong with getting someone a bottle of their favorite liquor. If you’re scrambling for a last-minute idea that dad will appreciate, this is one that could be worth considering.

Average cost: Depends on how cheap you want to be tight your budget is, but you could get something pretty decent for around $20.00.

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The gift: Something homemade

You’re never too old to give something to your dad that’s homemade and from the heart. It may sound a little cheesy at first, but seriously, dad will love it and appreciate the thought that went into it. You may not have the time to do something elaborate if you’re doing this at the last minute, but there are still some simple (yet thoughtful) things you can put together. For example, if you have a bunch of digital family photos, you can put them all on a digital picture frame. This only takes a few minutes and digital picture frames are on the cheap side these days.

Average cost:
Variable, depending on what you do exactly. It could just be a few dollars, or even free if you’re using stuff you already have.

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The gift: Something that’s missing from his tool collection

If dad is a handyman (or at least likes to pretend), try to find out if he’s missing anything that he needs for his toolbox. Spring for the nicer option, and it will still be a good, inexpensive gift choice that you can easily get the last minute.

Average cost: This will vary widely depending on the tool and the quality, but you can find something pretty decent in the 20-dollar range. If dad doesn’t have any tools at all, consider getting him a set; you can get an entire set of good quality tools for less than $50.00.

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The gift: Accessories for all of those ties

If dad really does wear a lot of ties, get him something that he can accessorize with his collection and that can go with all the ties you’ve gotten him throughout the years. A tie rack or a tie bar, for example, are a couple ideas to consider. (But seriously, if dad really doesn’t wear ties often or at all, this would be a terrible idea.)

Average cost: Depends on the brand and where you make your purchase, but you can easily find something cool for under $20.00.

Are you receiving long-term payments from an annuity or structured settlement, but need your cash sooner? Contact J.G. Wentworth today to find out how you can sell future payments for a lump sum of cash.

J.G. Wentworth claims no credit for any images posted on this site unless otherwise noted. Images on this blog are copyright to its respective owners. If there is an image appearing on this blog that belongs to you and do not wish for it appear on this site, please e-mail information@jgwentworth.com with a link to said image and it will be promptly removed.

7 fun ways to use prepaid cards

 

1. Give one as a gift to someone who is super difficult to shop for. After all, who doesn’t like receiving money?

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2. Go online shopping. While you’ll want to avoid going nuts, splurging once in a blue moon can be a fun way to treat yourself. And by using your prepaid card, you won’t have to worry about paying back any credit card debt.

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3. Need to get away? Load what you need onto your prepaid card and easily book a vacation package.

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4. If you’re traveling internationally, take your prepaid card with you as a safer alternative to cash, and to avoid foreign transaction fees that you may have to pay from using a traditional credit card or debit card.

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5. Get one for your kids to teach them about budgeting and financial responsibility. Instead of paying their allowance or completed chores in cash, load their prepaid cards instead.

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6. Have a contest or giveaway with a prepaid card being the prize. Make things even more interesting by keeping the enclosed amount a surprise for the winner.

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7. Ask your employer about directly depositing your paycheck onto your prepaid card, which can be especially useful if you don’t have a bank account. Even those with bank accounts find that this is much more convenient and helps to save them time. You may even be able to have just a portion of your paycheck go directly onto your prepaid card, so if you use your prepaid card strictly for fun purchases and use the money in your bank account for bills, this can help keep your spending in check.

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Are you interested in learning more about the prepaid cards that we offer? Whether it’s for you or for someone else, prepaid cards offer an array of benefits for any consumer. Contact J.G. Wentworth today to find out how you can get your very own prepaid card.

 

 

Nothing contained herein is intended to be, and you should not consider anything contained herein to be, investment, accounting, tax, or legal advice. If you would like investment, accounting, tax, or legal advice, you should consult with your own financial advisors, accountants or attorneys regarding your individual circumstances and needs.

J.G. Wentworth claims no credit for any images posted on this site unless otherwise noted. Images on this blog are copyright to its respective owners. If there is an image appearing on this blog that belongs to you and do not wish for it appear on this site, please e-mail information@jgwentworth.com with a link to said image and it will be promptly removed.

16 signs you just might have a shopping addiction

 

1. You’re always making excuses for your purchases…

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2. Like if you’re feeling blue or angry, you buy something to make yourself feel better…

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3. …Or if everything is going great and you’re happier than ever, you buy something to celebrate.

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4. Whenever you go to the mall to buy someone a gift, you kind of forgot why you went there to begin with and just buy stuff for yourself.

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5. You have to hide purchases from your spouse.

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6. You also have secret credit cards that they don’t know about.

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7. Although you get a rush from shopping, your heart is ultimately filled with regret.

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8. Online shopping is the only reason you have Wi-Fi.

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9. You buy so much crap that you actually forget about what you bought.

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10. If something is on sale, you just have to have it… it doesn’t even matter what it is.

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11. You’ve maxed out your credit cards, and even used your rent money to go shopping.

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12. And you’ve actually tried to calculate the minimum amount of food required to survive for the month so you can afford a crazy expensive purchase.

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13. Whenever you’re not shopping, you feel extremely anxious and unsettled.

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14. You prefer to go shopping alone, because you know if anyone else comes with you, they’ll think you’re crazy.

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15. Sales associates at all of your favorite stores know you by name and are always super happy to see you.

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16. You just ordered something before finishing this article.

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Do you have a lot of bills and debt to pay off due to overspending? J.G. Wentworth can help get you the money you need if you’re receiving structured settlement payments. Tackle that debt by selling a portion of your future payments and receiving your money sooner. By receiving more of your cash in an upfront lump sum, it can be easier to eliminate debt and get bills under control. Contact J.G. Wentworth today to learn more!

 

 

Nothing contained herein is intended to be, and you should not consider anything contained herein to be, investment, accounting, tax, or legal advice. If you would like investment, accounting, tax, or legal advice, you should consult with your own financial advisors, accountants or attorneys regarding your individual circumstances and needs.

J.G. Wentworth claims no credit for any images posted on this site unless otherwise noted. Images on this blog are copyright to its respective owners. If there is an image appearing on this blog that belongs to you and do not wish for it appear on this site, please e-mail information@jgwentworth.com with a link to said image and it will be promptly removed.

 

11 financial habits you may want to break

1. Opting for retail therapy whenever you have a problem, instead of just regular therapy.

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2. Gambling. And then losing, and then gambling your rent money to try and get back that money you lost. And then losing again.

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3. Charging on credit cards like it’s free money that doesn’t need to be paid back.

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4. Being late with your bills…

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5. ….Or just ignoring them completely.

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6. Opting out of insurance policies that you really should have, or are required to have.

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7. Buying stuff that’s on sale, just for the sake of buying it—even if you don’t really want or need it.

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8. Living beyond your means.

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9. Thinking you’re too young to worry about retirement.

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10. Not caring about your credit report.

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11. Not saving any money. At all.

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Carpe diem: seize the day. Maybe you like to constantly live like there won’t be a tomorrow, and sometimes, that’s okay. But if it’s affecting your spending and financial habits, you may want a new motto to live by. Because tomorrow probably will come, and so will those bills. If you’re in debt and need to pay it off, J.G. Wentworth may be able to help if you’re receiving annuity payments. Contact us today to learn more about selling future annuity payments for a lump sum of cash.

Nothing contained herein is intended to be, and you should not consider anything contained herein to be, investment, accounting, tax, or legal advice. If you would like investment, accounting, tax, or legal advice, you should consult with your own financial advisors, accountants or attorneys regarding your individual circumstances and needs.

How procrastination can literally cost you

Just about everyone likes to delay unpleasant tasks for as long as possible—after all, why would you want to clean your house or take care of boring errands when you can take a nap instead? Procrastinating from time to time likely won’t result in anything terrible, but when it comes to certain things, it can literally cost you money.

Bills

Rent, electric, cable? Eh, you’ll get to them later and when you feel like it. The problem with putting off your payment obligations is that you might forget about them completely, and it won’t be until you come home to a dark home and an eviction notice that you’ll remember them again. Even if you miss payment deadlines by a few days, you’ll likely need to pay late fees, reconnection fees, and so on. Take care of your bills right away or put them on automatic debit to avoid these costly consequences. 

Sales

Missing out on a good sale or forgetting to use an about-to-expire coupon isn’t a big deal if it’s something you don’t need, want, or use. But if you know there’s a limited-time, money-saving opportunity for something you’ll inevitably purchase at full-price anyway, why would you want to miss out on the discount? For many people, taking the time to go to the grocery store or wherever they need to go just isn’t on the top of their to-do list, but it’ll cost you if you do procrastinate and miss out.

Saving

A lot of people put off setting a budget that allows them to contribute money to their savings account. Maybe you tell yourself that you’ll start saving when you make more money, have less debt, win the lottery, etc. But you’ll want to begin saving whatever you can right away, even if the contribution is small, and even if it means making a sacrifice to make it happen. Over the years, the savings will add up, and you may really need that money one day—whether it’s for retirement, a down payment for a home, or to take care of an emergency. Without any money in savings, you might find yourself in a very difficult situation and turning to other expensive alternatives.

Work and school

If you’re constantly putting off projects at work and failing to meet deadlines, it can cost you your job and that steady paycheck. If you’re a college student, you’re probably the master of procrastination, but that doesn’t mean it won’t catch up to you. Not studying for tests or completing assignments until the last minute can mean bad grades, which can result in you failing your classes. With the amount of money that it costs to go to college, the last thing you’d want is to throw that money right out the window by procrastinating and failing a class.

 

Are you receiving structured settlement payments, but need to receive your money sooner? Contact J.G. Wentworth today to learn more about selling future payments for a lump sum of cash.

Nothing contained herein is intended to be, and you should not consider anything contained herein to be, investment, accounting, tax, or legal advice. If you would like investment, accounting, tax, or legal advice, you should consult with your own financial advisors, accountants or attorneys regarding your individual circumstances and needs.