It’s a funny time in our economy.  Just when you think the chips are down, you find a deal that reminds you there is an opportunity in every dilemma.

My wife had been nagging me about getting a new refrigerator for two years.  I didn’t see a real problem with the old one, even though it was not working real well.  And my brother-in-law the genius told us how old refrigerators use a lot more electricity than the new ones, so buying a new one saves you money eventually.

The real problem is we’re barely making ends meet these days and we have bad credit because we missed paying some bills.  I dodged a bullet on the last layoff at work, but who knows what is coming down the pike.

The good thing is our car is paid for.  Better yet, I figured out a way to use the car to get a new refrigerator.  First, a lot of people are selling good things on the Internet for cheap because they are in a bad financial situation.  A builder out near Murfreesboro advertised $2000 refrigerator-freezers for $500 (obviously, he’s desperate).  But I don’t have $500 in spare change sitting around the house.  So brother-in-law the genius tells me, “get a car title loan.”

I checked out Nashville Car Title Loans and yeah, sure enough, the value of my car could get me up to $3000 in a loan.  All I needed was the $500, so I went to their online application and viola!, I had the money for the refrigerator.  It’s one of those nice stainless steel models with the freezer in the bottom drawer.  And already in the first month we’ve seen our electricity costs go down.

So brother-in-law the genius really isn’t so bright after all.  He took our old refrigerator and hooked it up in his garage.  At least I can give him credit for knowing that a car title loan in this economy can be a smart move.