Household savings with Car Title Loans in San Jose
Just because I’m a girl doesn’t mean I don’t know how to run a house by myself. I’m frugal, smart about long-term investments and try to do my best for environmental sustainability. I just so happen to be unemployed, low on funds and enduring a brief period of having bad credit. But I persevere.
For example, I was planning to buy an on-demand (tankless) water heater to save long-term on my energy costs (because the old water heater is about to die). Tankless water heaters save about a third of your energy costs and cut water consumption by 6 gallons daily – you run the water less waiting for the hot to arrive. Next year, in 2009, there will be a IRS $300 tax credit for buying one. Now, a store in Sunnyvale is selling them at a pre-2009 sale: you order it now with a $300 down payment, then take delivery on the water heater at 15% off next year. The total cost for the heater with installation is $1300, but with all the savings and credits I’d shave that down to about $800 – and that is for purchase, before the monthly bills are reduced.
So how does someone in my financial circumstances get the fast cash for purchase now? This girl is nothing if not a creative thinker.
I went to Car Title Loans in San Jose for a $300 loan against my 2000 VW Golf. The online application allowed me to avoid going to some storefront car title operation on Keyes Street. It took all of 20 minutes to fill out the form (no credit check makes it fast). I got the money the next day in my bank account.
This way I lock in the savings and can have it installed any time in 2009 for the tax credit. And if I my job situation doesn’t turn around yet then, I can borrow larger amounts against my car title. This car title cash loan will bring a net savings of energy and water over twenty years – and I’m doing my bit for national security, reducing foreign oil dependence.
See, I DO know how to run a house.
- Erminda F.
