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We’re guilty as charged! We buy food simply because it’s “there.” Some companies do an amazing job at marketing their food products. And YES, it can be hard to resist the call of super low prices on delicious flame-broiled burgers. But doing this kind of thing too much can affect our waistlines and our pocketbooks in negative ways.

The truth is, overindulging may be the culprit for some people. But for others, eating healthy on a budget may be a result of other reasons that are entirely out of their control.

Borrowing from Peter to pay Paul? Looking in your jeans pocket for loose change? We’re here to tell ya that all that’s for the birds. But scrambling for money doesn’t have to be a way of life. If you’ve been awarded a structured settlement, an annuity, or lottery winnings, it’s a good move to sell your payments for a large lump sum. But all is not lost if you don’t have a payment stream in place (other than your paycheck). We’ve put together a quick rundown of ways you can keep more money in your pocket. And please note, these are things you can do right now.

Have you fallen behind on rent? It’s a real issue if you don’t have the funds to make a dent in your housing debt. But don’t panic – if you’ve been awarded a structured settlement or annuity, you have a chance to set things right. And even if you don’t have structured settlement payments coming in, you can leverage other tactics to keep you in good standing. Understand that literally millions of folks have been in the same boat and have recovered…you can too.

No matter your flavor – be it Mercedes Benz, Porsche, Land Rover, BMW, or Jaguar – everyone’s got a favorite car. The look, the speed, the comfort…the unmistakable power of the engine are the lifeblood of most car enthusiasts. But let’s be real – nothing compares to owning a simple car that RUNS. The good thing is, after you sell a structured settlement or annuity, you’ll have a lump sum of cash to purchase a vehicle that’ll to get you from point A to point B (it may not be a Benz, but it’ll treat ya right).

Just imagine – you sell annuity payments for a large lump sum of cash and soon after, make a move that’ll change your life forever (we know, dramatic right?). You go back to school, proving to the world that you are one. smart. cookie. With the cash earned by selling your annuity payments, you could indeed tie up your scholastic loose ends.

Are you ready to be a boss? As in your own boss; someone who takes control of their future and starts their own business? If so, selling a structured settlement can provide the funds you need to make it over the initial hurdles all new businesses face.

If you have a structured settlement in place – RIGHT ON. You’re in a perfect position to sell your structured settlement payments for a lump sum and use the cash to buy a new home. It’s the American dream, after all!

But let’s get serious for a minute. Selling your gradual payments is how you get the lump sum you need so you can be financially set to pursue your home-buying dreams!

The money’s trickling in – but so are the bills! Being unable to get them paid is almost always a scary thought. But selling your structured settlement for a lump sum is an amazing way to keep the debt monster at bay.

There are certain characteristics that the best structured settlement payout companies have in common. Before choosing a structured settlement payout company, make sure you carefully consider the following list of attributes they share.

Waiting for a settlement while your case works its way through the court system can seem like an eternity, especially if your bills continue to pile up while you wait. At the time, pre settlement funding may seem like a viable option, but it has many disadvantages that many pre settlement sellers aren’t aware of until it’s too late.

Are you anticipating a big move in the future? While moving to a new place – whether across the street or across the country – is exciting, it is also a huge expense having many unexpected costs that pop up along the way. Pursuing a structured settlement buyout before your big move can get you the cash you need to ensure your move is as successful and easy as possible, with plenty of financial cushion. If you’re currently receiving payments, a lump sum might be the way to go.

Are your bills piling up? Have things gotten so bad that you can’t see foresee a time where you will ever be debt-free? You might be at a loss, asking yourself “How can I avoid bankruptcy?” Luckily, there’s hope if you’re currently receiving payments from a structured settlement or annuity. 

Credit card debt can sneak up on you, and quickly. Unexpected expenses such as emergency medical treatment, a broken down car, or even small purchases that add up can all wreak havoc on your credit card debt and credit score. If you sell your structured settlement, you can alleviate credit card debt, get your life back, and start on your way to rebuilding your credit score.

Winter is almost here and along with it comes cold weather and the holidays – two things that can quickly break a budget. While winter can be challenging financially, you can ease the burden if you sell annuity payments for a much needed cash boost right when you need it and follow the tips outlined in this article for saving money this winter.

Structured settlement and annuity buyer JG Wentworth, creator of the ubiquitous slogan “It’s my money and I want it now,” finds itself faced with a declining stock price following duplicitous market practices that have caused customers to lose faith in the once industry-leading settlement buying company.