{"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":"2025-07-30T17:22:02","modified_gmt":"2025-07-30T17:22:02","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+00:00\">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=\"1000\" height=\"500\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/10\/ways-to-spend-extra-cash.jpg?w=1000\" 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: 1000px) 100vw, 1000px\" \/><\/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<p>Extra cash is always exciting to come by. Whether it\u2019s in the form of a bonus, raise, side hustle, or something else, it\u2019s good to feel a little bit more secure about your finances. 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 and financial security.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pay-off-debt\">Pay off debt<\/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<h2 class=\"wp-block-heading\" id=\"h-build-your-emergency-fund\">Build your emergency fund<\/h2>\n\n\n\n<p>Financial experts recommend having an emergency fund for, well, emergencies. Whether it\u2019s an unforeseen expense or you find yourself temporarily out of work, 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 if you\u2019re just starting out \u2014 but it will certainly help you prepare for future emergencies, should you ever experience one.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-invest-in-your-future\">Invest in your future<\/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, a new home \u2014 these are all huge milestones that come with an equally huge bill. If you already have retirement accounts, use any supplemental income to make an extra contribution. If you don\u2019t have a retirement plan in place, use that cash to open one! A 401K, Roth IRA, or Traditional IRA are all great investment options as they grow over time (and as you contribute more).&nbsp;<\/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. However, choose wisely at which improvements you make, as some return a <a href=\"https:\/\/www.thestreet.com\/personal-finance\/real-estate\/six-best-and-worst-home-improvements-for-your-money-14864740#gid=ci0256b267d0002716&amp;pid=sixth-best-home-improvement-steel-entry-door-roi-749\">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 isn\u2019t just about putting it <em>all <\/em>away \u2014 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 finally going on that tropical vacation you\u2019ve always wanted to take. You work hard for your money, and you should reward yourself as such!<br>\n<strong>Pro tip:<\/strong> Apply excess cash to a future investment <em>first, <\/em>then use the rest on yourself. This will help prevent spending it all on exciting things, which we know can be tempting.<\/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 title, installment and payday loan applications make getting cash quick and easy. <a href=\"https:\/\/www.lendnation.com\/\">Apply online today<\/a> <a href=\"https:\/\/www.lendnation.com\/location\/search?q=\">or find a store near you<\/a>!<\/p>\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<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-11478 post type-post status-publish format-standard has-post-thumbnail hentry category-money-management tag-build-emergency-fund tag-emergency-savings-fund tag-instant-debit-card-funding tag-start-emergency-savings\">\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\">How to Build Savings for Financial Emergencies<\/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=\"2026-02-26T17:30:57+00:00\">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=\"1024\" height=\"683\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/02\/shutterstock_2684351047.jpg?w=1024\" 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: 1024px) 100vw, 1024px\" \/><\/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\t<li class=\"wp-block-post post-11040 post type-post status-publish format-standard has-post-thumbnail hentry category-money-management tag-christmas-loans tag-payday-loans-for-holidays tag-short-term-holiday-cash tag-title-loans-for-christmas\">\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\">Top 5 Ways to Use Holiday Loans<\/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=\"2025-12-11T14:20:05+00:00\">December, 2025<\/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=\"1024\" height=\"635\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/12\/holiday-loans-top-uses-lendnation.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Shopper reviewing a simple holiday budget and small loan options on a phone\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/12\/holiday-loans-top-uses-lendnation.jpg 6006w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/12\/holiday-loans-top-uses-lendnation.jpg?resize=300,186 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/12\/holiday-loans-top-uses-lendnation.jpg?resize=768,476 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/12\/holiday-loans-top-uses-lendnation.jpg?resize=1024,635 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/12\/holiday-loans-top-uses-lendnation.jpg?resize=1536,952 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/12\/holiday-loans-top-uses-lendnation.jpg?resize=2048,1270 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\t\n\t<p class=\"a-hidden-link-cover wp-block-post-title\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/top-5-ways-customers-use-holiday-loans\/\" target=\"_self\" >Top 5 Ways to Use Holiday Loans<\/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_memberships_contains_paid_content":false,"footnotes":""},"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 v27.4 (Yoast SEO v27.4) - 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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Make smarter spending decisions with these financial and investment tips from LendNation.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lendnation.com\/blog\/article\/smarter-ways-to-spend-extra-cash\/\" \/>\n<meta property=\"og:site_name\" content=\"LendNation\" \/>\n<meta property=\"article:published_time\" content=\"2020-10-15T18:57:50+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-30T17:22:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2020\/10\/ways-to-spend-extra-cash.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Douglas N\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Douglas N\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.lendnation.com\\\/blog\\\/article\\\/smarter-ways-to-spend-extra-cash\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lendnation.com\\\/blog\\\/article\\\/smarter-ways-to-spend-extra-cash\\\/\"},\"author\":{\"name\":\"Douglas N\",\"@id\":\"https:\\\/\\\/www.lendnation.com\\\/#\\\/schema\\\/person\\\/7d94b820a9d2f269b733df414b747a2b\"},\"headline\":\"Smarter Ways To Spend Extra Cash\",\"datePublished\":\"2020-10-15T18:57:50+00:00\",\"dateModified\":\"2025-07-30T17:22:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.lendnation.com\\\/blog\\\/article\\\/smarter-ways-to-spend-extra-cash\\\/\"},\"wordCount\":618,\"image\":{\"@id\":\"https:\\\/\\\/www.lendnation.com\\\/blog\\\/article\\\/smarter-ways-to-spend-extra-cash\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.lendnation.com\\\/wp-content\\\/uploads\\\/2020\\\/10\\\/ways-to-spend-extra-cash.jpg\",\"keywords\":[\"spending extra cash\"],\"articleSection\":[\"Money Management\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.lendnation.com\\\/blog\\\/article\\\/smarter-ways-to-spend-extra-cash\\\/\",\"url\":\"https:\\\/\\\/www.lendnation.com\\\/blog\\\/article\\\/smarter-ways-to-spend-extra-cash\\\/\",\"name\":\"Smarter Ways To Spend Extra Cash - LendNation\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lendnation.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.lendnation.com\\\/blog\\\/article\\\/smarter-ways-to-spend-extra-cash\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lendnation.com\\\/blog\\\/article\\\/smarter-ways-to-spend-extra-cash\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.lendnation.com\\\/wp-content\\\/uploads\\\/2020\\\/10\\\/ways-to-spend-extra-cash.jpg\",\"datePublished\":\"2020-10-15T18:57:50+00:00\",\"dateModified\":\"2025-07-30T17:22:02+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.lendnation.com\\\/#\\\/schema\\\/person\\\/7d94b820a9d2f269b733df414b747a2b\"},\"description\":\"What should you do with extra cash? 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