| Remember those commercials about the | | | | don't have the right plan. |
| unexpected cell phone bill being the size of a | | | | This little device has become a necessary evil, so |
| phone book and it broke the table? Yeah, it | | | | you need to keep it paid up to date. We use |
| happens and whether it was you or your | | | | them to keep track of our kids, for emergency |
| teenagers, someone's got to pay it. What do you | | | | situations, work and, of course, socializing. You |
| do when you've budgeted $100 for the cell phone | | | | don't want your account to go into default and be |
| bill and when it arrives it is $900? A car title loan | | | | canceled. A car title loan can make sure that you |
| works well for just this kind of situation. | | | | keep this important safety net and link to friends |
| If you have a clear title to your car, meaning you | | | | and family. |
| own it outright or have very little to pay off, you | | | | To avoid this situation before the next bill comes, |
| qualify for a car title loan. It is easy to apply-you | | | | you might want to contact you cell phone service |
| can do it online and get an answer in just a few | | | | provider and update your plan. By increasing your |
| minutes. You can have the cash long before the | | | | minutes or sign up for an unlimited minutes plan, |
| cell phone bill is due so you won't have any late | | | | so you will never again have to monitor you time |
| charge penalties tacked on. | | | | on the phone. |
| Even if you have bad credit (and not paying your | | | | If your problem is text messaging, those can be |
| cell phone bill can adversely affect your credit and | | | | really expensive, 20 cents or more per text. Most |
| prevent you from getting cell service from | | | | service providers offer unlimited text messages |
| someone else), you can still get approved for a | | | | with a flat fee. Changing these may increase your |
| car title loan to help pay off the hefty bill. The | | | | monthly bill to $125, but a $900 bill will never |
| lender will pull your credit report, but it will not be | | | | surprise you again. |
| a huge factor in your approval. The value of your | | | | Remember that you can control your phone |
| car is used as collateral, which means that you | | | | habits, but you cannot control the people who call |
| get a reasonable rate for this fast cash option. | | | | or text you, so sign up for a plan that takes this |
| You can keep the car while you pay off the | | | | into account. But, if it does happen again, a car |
| balance. | | | | title loan is always an option. And, if your teens |
| Cell phones can be sneaky and the bill can really | | | | are the ones running up the charges, take the |
| add up. Texts, pictures, getting on-line, | | | | loan payment out of their allowance and get them |
| downloading ringtones and music plus calling out of | | | | a prepaid service! |
| your "circle" can really add up, especially if you | | | | |