{"id":1060,"date":"2020-10-15T18:57:50","date_gmt":"2020-10-15T18:57:50","guid":{"rendered":"https:\/\/www.lendnation.com\/smarter-ways-to-spend-extra-cash\/"},"modified":"2026-09-04T13:25:36","modified_gmt":"2026-09-04T18:25:36","slug":"smarter-ways-to-spend-extra-cash","status":"publish","type":"post","link":"https:\/\/www.lendnation.com\/blog\/article\/smarter-ways-to-spend-extra-cash\/","title":{"rendered":"Smarter Ways To Spend Extra Cash"},"content":{"rendered":"\n<article class=\"wp-block-group alignfull p-post-single is-layout-flow wp-block-group-is-layout-flow\">\n<header class=\"wp-block-group alignfull p-post-single-hero is-style-theme-subtle-light has-backgrounds-subtle-light-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center l-container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-1f86b309 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-a4fd459e wp-block-group-is-layout-constrained\"><div style=\"text-transform:uppercase; margin-top:0;margin-bottom:var(--wp--preset--spacing--60);\" class=\"theme-color-secondary t-date wp-block-post-date\"><time datetime=\"2020-10-15T18:57:50-05:00\">October, 2020<\/time><\/div>\n\n<h1 class=\"wp-block-post-title has-display-x-large-font-size\">Smarter Ways To Spend Extra Cash<\/h1>\n\n<div style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/money-management\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--teal\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Money Management<\/span><\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-a209ae40 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__media has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-587a7eb1 wp-block-group-is-layout-constrained\"><figure style=\"margin-top:0;margin-bottom:0;\" class=\"is-style-image-featured s-aspect-ratio-1-1 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"883\" height=\"442\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/10\/ways-to-spend-extra-cash.jpg?w=883\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/10\/ways-to-spend-extra-cash.jpg 1000w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/10\/ways-to-spend-extra-cash.jpg?resize=300,150 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/10\/ways-to-spend-extra-cash.jpg?resize=768,384 768w\" sizes=\"auto, (max-width: 883px) 100vw, 883px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-group p-post-single-body has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-should-you-do-with-extra-cash\">What Should You Do With Extra Cash?<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Put extra cash toward your highest-interest debt first to cut what you owe.<\/li>\n\n\n\n<li>Build an emergency fund so a surprise bill does not become new debt.<\/li>\n\n\n\n<li>Save for future goals like a home, a car, or your family.<\/li>\n\n\n\n<li>Keep a small share for yourself so the plan still feels rewarding.<\/li>\n<\/ul>\n\n\n\n<p>Extra cash is always welcome to come by. It might come from a bonus, a raise, or a side hustle. Either way, a little more money helps you feel steadier about where you stand. But with additional income comes the temptation to spend it on things you haven\u2019t been able to in the past. Vacations, new gadgets, clothes, and shoes&#8230;the list goes on.<\/p>\n\n\n\n<p>While we don\u2019t want to eliminate the joy of having some extra cash, there are smarter ways to spend it. Here, <a href=\"https:\/\/www.lendnation.com\/\">LendNation<\/a> is sharing our best tips for doing just that so you can better plan for your future. For a step-by-step plan, see our <a href=\"https:\/\/www.lendnation.com\/blog\/article\/debt-101-how-to-reduce-your-debt\/\">guide<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pay-off-high-interest-debt-first\">Pay Off High-Interest Debt First<\/h2>\n\n\n\n<p>Nearly <a href=\"https:\/\/www.debt.org\/faqs\/americans-in-debt\/\">200 million Americans have debt<\/a>. Between mortgages, cars, education, and daily living, credit card bills can add up quickly. Use your extra cash to tackle your highest-interest debt first. Once you pay that off, roll up <em>that<\/em> payment amount into other debts, and continue the snowball effect as often as you can. If your excess income isn\u2019t quite enough to tackle your debt yet, simply make an extra mortgage or credit card payment. It may not feel like much, but each time you make an additional payment, you shave a month off your ultimate pay-off date.<\/p>\n\n\n\n<p>Financial experts recommend having an emergency fund for, well, emergencies. When a surprise bill shows up or work slows down, you should lean on these funds first before racking up more debt. Contributing extra cash to your emergency fund may not feel like an investment \u2014 especially when you are starting out\u2014 but it helps you prepare for future emergencies, should you ever face one.<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-save-for-future-goals\">Save for Future Goals <\/h2>\n\n\n\n<p>In addition to an emergency fund, you should also keep in mind other future expenses. Retirement, planning for children, weddings, or a new home. These all come with real costs. If you already set money aside for these goals, add some of your extra cash to them. If you have not started yet, opening a savings account is a simple first step. Small, steady deposits grow over time.<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-make-home-improvements\">Make Home Improvements<\/h2>\n\n\n\n<p>Making upgrades to your home is an excellent way to spend excess money. Not only do you make your house a better place to live, but you can potentially increase the value of your home if you don\u2019t plan on living there forever.Choose your projects with care, since some return a <a href=\"https:\/\/www.thestreet.com\/personal-finance\/real-estate\/six-best-and-worst-home-improvements-for-your-money-14864740\">higher profit than others<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-spend-some-on-yourself\">Spend some on Yourself<\/h2>\n\n\n\n<p>Extra cash is not only about putting it all away. You should also take the time to enjoy it. Depending on how much you have and how you choose to save it, set aside a smaller percentage to spend on yourself. Maybe it\u2019s a nice pair of shoes you\u2019ve been eyeing for a while, or a weekend trip you have wanted to take. You work hard for your money, and you should reward yourself as such! Pro tip: Put money toward savings or debt first, then spend what is left on yourself. That keeps the fun part from eating the whole amount.<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-turn-to-lendnation-for-extra-cash\">Turn to LendNation for Extra Cash<\/h2>\n\n\n\n<p>When extra cash isn\u2019t as easy to come by, or you find yourself in an emergency financial situation, turn to LendNation. Our payday and installment loan options make getting cash quick and simple, and title loans are available in-store. <a href=\"https:\/\/app.lendnation.com\/\">Apply online today<\/a> or <a href=\"https:\/\/www.lendnation.com\/location\/\">find a store near you<\/a>!<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-resources\">Resources<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.lendnation.com\/\">https:\/\/www.lendnation.com\/<\/a>\u00a0<\/li>\n\n\n\n<li><a href=\"https:\/\/www.lendnation.com\/blog\/article\/debt-101-how-to-reduce-your-debt\/\">https:\/\/www.lendnation.com\/blog\/article\/debt-101-how-to-reduce-your-debt\/<\/a>\u00a0<\/li>\n\n\n\n<li><a href=\"https:\/\/www.thestreet.com\/personal-finance\/real-estate\/six-best-and-worst-home-improvements-for-your-money-14864740\">https:\/\/www.thestreet.com\/personal-finance\/real-estate\/six-best-and-worst-home-improvements-for-your-money-14864740<\/a>\u00a0<\/li>\n\n\n\n<li><a href=\"https:\/\/www.lendnation.com\/\">https:\/\/www.lendnation.com\/<\/a>\u00a0<\/li>\n\n\n\n<li><a href=\"https:\/\/www.lendnation.com\/location\/\">https:\/\/www.lendnation.com\/location\/<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<aside class=\"wp-block-group p-post-single-related has-global-padding is-layout-constrained wp-container-core-group-is-layout-07747ed5 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--80)\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60)\"\/>\n\n\n\n\n\n<h2 class=\"wp-block-heading has-display-small-font-size\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--50)\">Explore Related Posts<\/h2>\n\n\n\n<div class=\"wp-block-group p-latest-posts-columns is-style-default is-layout-flow\">\n\t<div class=\"wp-block-query is-layout-flow\">\n\t\t<ul class=\"is-flex-container columns-2 wp-block-post-template is-layout-flow\">\n\t\t\t\t\t<li class=\"wp-block-post post-11695 post type-post status-publish format-standard has-post-thumbnail hentry category-money-management tag-apply-online tag-bill-pay tag-budgeting-apps tag-direct-deposit tag-emergency-fund tag-money-goals tag-paycheck tag-spending\">\n\t\t\t\n\n<div class=\"wp-block-group p-post-highlight is-layout-flow wp-block-group-is-layout-flow\">\n\t<div class=\"wp-block-group p-post-highlight__inner is-layout-flow wp-block-group-is-layout-flow\">\n\t\t<div class=\"wp-block-group p-post-highlight__content is-layout-flow wp-block-group-is-layout-flow\"><h3 style=\"margin-top:0;\" class=\"wp-block-post-title has-display-x-small-font-size\">Budget Automation Tips to Stay on Track<\/h3>\n\t\t\t<div class=\"taxonomy-category u-visually-hidden wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/money-management\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--teal\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Money Management<\/span><\/a><\/div>\n\t\t\t<div style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:0;\" class=\"t-date wp-block-post-date\"><time datetime=\"2026-05-17T19:49:32-05:00\">May, 2026<\/time><\/div><\/div>\n\t\t\n\t\t<figure class=\"p-post-highlight__media s-aspect-ratio-4-5 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"883\" height=\"589\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/04\/Phone-Mock-Teal.jpg?w=883\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Person holding a smart phone about online loan.\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/04\/Phone-Mock-Teal.jpg 2289w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/04\/Phone-Mock-Teal.jpg?resize=300,200 300w, 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class=\"t-date wp-block-post-date\"><time datetime=\"2026-02-26T17:30:57-05:00\">February, 2026<\/time><\/div><\/div>\n\t\t\n\t\t<figure class=\"p-post-highlight__media s-aspect-ratio-4-5 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"883\" height=\"589\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/02\/shutterstock_2684351047.jpg?w=883\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Person putting cash into emergency fund savings jar while reviewing budget and financial planning documents\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/02\/shutterstock_2684351047.jpg 8192w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/02\/shutterstock_2684351047.jpg?resize=300,200 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/02\/shutterstock_2684351047.jpg?resize=768,512 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/02\/shutterstock_2684351047.jpg?resize=1024,683 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/02\/shutterstock_2684351047.jpg?resize=1536,1025 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/02\/shutterstock_2684351047.jpg?resize=2048,1366 2048w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/02\/shutterstock_2684351047.jpg?resize=1619,1080 1619w\" sizes=\"auto, (max-width: 883px) 100vw, 883px\" \/><\/figure><\/div>\n\t\n\t<p class=\"a-hidden-link-cover wp-block-post-title\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/how-to-build-savings-for-financial-emergencies\/\" target=\"_self\" >How to Build Savings for Financial Emergencies<\/a><\/p><\/div>\n\n\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-62083a6e wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button is-style-tertiary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.lendnation.com\/blog\/\">Visit Blog\n\t\t\t                                                                                                  Homepage<\/a><\/div>\n<\/div>\n<\/aside>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>What should you do with extra cash? Make smarter spending decisions with these financial and investment tips from LendNation. <\/p>\n","protected":false},"author":18,"featured_media":1061,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[38],"tags":[79],"class_list":["post-1060","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-management","tag-spending-extra-cash"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.2 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Smarter Ways To Spend Extra Cash - LendNation<\/title>\n<meta name=\"description\" content=\"What should you do with extra cash? 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