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Chase Personal Loan

Chase offers a lot of services, but Personal Loans aren’t one of them. You can find auto loans and mortgages with Chase but if you want the Flexibility of a Personal Loan you may have to look elsewhere for your loan.

Does Chase offer personal loans? The simple answer is NO, Chase does not currently offer personal loans.

Many banks don’t actually offer personal loans. Like most banks Chase also doesn’t offer personal loans. Instead Chase mainly offers saving and checking account services. The closest services to a personal loan they offer are credit cards, auto loans, and mortgages, but they don’t technically offer personal loans. But don’t worry because there are other personal loan options out there that we’ll touch on later in this article.

Chase Credit Cards: A Quick Look

Pros Cons
some of their cards offer cash back and bonus points some of their cards only let you earn back on certain things like dining and travel
some of their cards let you earn back 1.5% to 6 times on purchases some of their cards have fees up to $95
some cards have no annual fees

Chase Auto Loans: A Quick Look

Pros Cons
you can refinance the loan you need to be a Chase customer with a checking account for refinancing options
loan terms are 12 to 84 months you might want to pay back the loan in less than a year
loan amounts are $4,000 to $600,000 you might need an even smaller loan
great for buying a new car or refinancing existing car loan not great for other personal reasons

Basically, Chase is a great place to go if you’re looking for auto loans in order to buy a new car, or if you’re looking for different credit cards that offer an array of benefits. But if you are looking for a more flexible loan that you can use for a larger variety of personal reasons then you’ll need to look at other loan providers.

Who are Chase Loans and Credit Cards Perfect For?

The Chase auto loan is great if you need to purchase a new car or refinance your car payments. Likewise, Chase credit cards are great if you travel a lot and want to accumulate benefits for all the money you spend on traveling expenses. If you need a large auto loan or credit cards great for travelers, and you meet the below requirements, then Chase may be perfect for you.

  • If you have a high credit score
  • If you need a large auto loan
  • If you have a lot of travel expenses for tickets, hotels, and dining
  • If you already have a Chase account

Who Should NOT Get a Chase Loan or Credit Card?

If you don’t meet the above requirements, or you’re just looking for a quicker, smaller loan that you can use for something besides a car, then you may want to keep shopping for your perfect loan. If any of the listed items below represent you, then you should consider a different personal loan provider.

  • If you need a smaller loan
  • If you want to pay back the loan in less than a year
  • If you don’t already have a Chase account
  • If you need your loan quickly, or that same day
  • If you have a low credit score
  • If you can’t afford a hard credit pull application on your credit score
  • If you have personal reason beyond cars for needing a loan

An Alternative to a Chase Personal Loan

Check City offers a different kind of personal loan. So if the features and requirements present in Chase’s loan and credit services don’t work for you, a Check City personal loan might be your answer.

Reasons to Get a Check City Personal Loan:

personal loan for you

  • Check City is a direct lender
  • Check City is also a state licensed lender
  • The application process is quick and simple
  • You don’t need a high credit score to apply
  • There are no origination fees
  • You can get your loan TODAY
How to Apply for a Check City Personal Loan

Check City personal loans are incredibly easy to use. Just visit the Check City Personal Loan Page and you can quickly apply for your loan online, at a nearby Check City store, or even over the phone!

All you need to apply for the loan is:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply for a Check City Loan Online by clicking HERE.

Find a conveniently located Check City Store by clicking HERE.

Or call Check City’s Loans By Phone number: 800-404-0254

Check City personal loans have a fast and easy process, and if you go into a Check City store to apply, you can actually walk out with your personal loan funds that very same day! Check City personal loans are great for loan customers that need a quick, easy to use, smaller personal loan that they can pay back in a matter of months instead of years. They’re also a great loan option for customers with lower credit scores since Check City doesn’t pull a traditional credit report when processing your application.


Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

Chase Auto Loans
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $4,000 to $600,000
Rates lower APR than our payday loans 6.99% to 24.99% APR 5.49% to 22.99% APR depends
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties depends
Terms 6 months 36 to 84 months (3 to 7 years) 12 to 84 months (1 to 7 years) 12 to 84 months
Min. Credit Score Check City doesn’t pull a traditional credit check, and if you have a low credit score you can still apply for a Check City personal loan 660 600 high credit score


When you think of loans you often think about the requirements you need to meet in order for you application to get approved. But you have loan requirements too! Everyone is looking for something different in a personal loan, like the ability to refinance the loan later, or the ability to get the loan right away. You can find all these key qualities with a Check City Personal Loan!

Whatever your own personal loan requirements might be, you should always study up on what features each loan provides before making a choice.

Learn more about the usefulness of loans, “The Usefulness of Loans from Large to Small.”

Budget like a boss by reading, “Budgeting in 4 Easy Steps.”

Book Review: The Total Money Makeover by Dave Ramsey

book review

Dave Ramsey is a best selling author of many popular self-help books about getting your finances together. He’s inspired many with his simple, no-hassle philosophies on how to manage money. He also has a radio talk show called the Dave Ramsey Show, that you can listen to anywhere you listen to podcasts. He even started his own company built on his financial philosophies called Financial Peace University. Dave Ramsey and his colleagues have loads of resources you can find helpful in your own personal money management journey. Whether you are managing a household or a small business, Dave Ramsey has the financial advice you need to be successful and smart with your funds.

Today we’re going to take a focused look into one of Dave Ramsey’s most prolific publications, The Total Money Makeover: A Proven Plan for Financial Fitness. You’ve heard of fitness journeys and makeovers that change your style into something fresh and new, but Dave Ramsey takes all that and puts a financial spin onto it. With Dave Ramsey’s baby step plan you can exercise your financial abilities in ways you never thought possible and finally get into shape where your wallet is concerned.

What Kind of Book is The Total Money Makeover?

book cover

The Total Money Makeover is written as a self-help book. It’s even been compared to popular self-help books like, Your Best Life Now and 7 Habits of Highly Effective People because of the reader-friendly way it is written. It’s an engaging book with lots of real-world examples and stories from real people who have actually gone through Dave Ramsey’s baby steps and seen results. These short anecdotal stories throughout the book help all of Dave Ramsey’s concepts make clear common sense.

The book also includes a lot of motivational help along with the tips and advice. One of the biggest factors that holds people back from taking full control over their finances is the proper motivation and encouragement to make necessary changes to their lifestyle. Dave Ramsey helps with that too, giving you the fresh outlook you need to understand your goal and the rewards you can gain.

Dave Ramsey is also a Christian, so his books often have a religious undertone. So you may find him referencing Bible verses every so often in this book, and tackling religious views and practices with regard to money as well.

What’s in the Book?

The Total Money Makeover is essentially a step-by-step guide for how to go about your own personal money makeover journey. These steps are based on Dave Ramsey’s key money philosophies. Dave Ramsey has strict beliefs about not ever using debt, loans, or credit cards. He believes that our society today is too dependent on credit and that true financial freedom only comes when you live a completely debt free life. So the first steps in his plan are all about helping you get out of debt, and then setting you up to never get into debt again.

Simple and straightforward advice.

Dave Ramsey’s book became so popular probably because of how easy it is to follow his clearly set plan. Each step is specific enough to leave no doubts about what exactly you need to do, making his plan one that anyone can follow and find success. It also helps that he is never vague about his advice, but rather he is extremely straightforward, open, and honest.

Dave Ramsey has no get-rich-quick schemes. He’s more about using honest work, responsibility, and common sense to reach your goals. So you won’t find any crazy secrets to financial stability and success in his book, you’ll just finally learn to implement the basics in a way that really works.

A change in perspective.

Another reason people enjoy Dave Ramsey’s teachings is because he doesn’t pretend that money is what brings happiness. He’s realistic and believes that money is a tool to create stability and contentment in our lives, not the secret solution to all our problems.

He eloquently tackles many mental barriers and misconceptions many of us have about money, and works to not only change your behavior with money, but your perspective about money as well. One thing he talks about a lot is getting over the need to “keep up with the Joneses.” Often in life we compare ourselves to others in unhealthy ways, and sometimes those comparisons can lead us to make poor financial decisions for superficial reasons. So, when you read the Total Money Makeover be prepared to gain a whole new outlook on the purpose of money, and break free from comparing yourself to others.

The Money Makeover Baby Steps:

The main event of this self-help read are the baby steps the reader can take to reach financial peace and freedom. You can read a more detailed article about each of the 7 baby steps that Dave Ramsey will go through in this book, but we’ll go over a quick outline of those steps here too.

Emergency Fund

The first step in Dave Ramsey’s 7 step plan is to basically get your financial life in order. The road to stability starts by setting up your finance in a certain way. This begins with setting up an emergency fund. You can start with at least $1,000 in your emergency fund but eventually you’ll want to work your way toward having at least 6 months’ worth of expenses in your emergency fund at all times.


Once you start getting your emergency fund in place, it’s time to focus all other monetary efforts toward annihilating all your debts. He goes into more detail about this in the book. For example, he suggests you start with your smallest debts first and work your way up to your larger ones. He also recommends you save paying off your mortgage for last. But eventually the idea is to throw everything you can at your debts until they are all completely wiped out.

Build Wealth

Now it’s time to build wealth and continue saving. Since Dave Ramsey argues you should pay for everything in cash, continually building up your financial stores is an important aspect of the Dave Ramsey lifestyle. You have to have enough in savings to cover all your costs completely with cash.

In the book Dave Ramsey goes into more detail about what savings you should prioritize. He advises that you first complete your 6 months’ worth emergency fund if you haven’t gotten there already. Then he suggests you work toward saving for retirement and (if you have kids or plan on having kids) your children’s college funds.

Things You Can Do Differently:

Dave Ramsey’s primary goal in all of this is to help people get out of crippling debt and stay out of it. But there are modifications you can make to his more rigorous financial plan.

You can choose how much you want in your emergency fund.

If you’re a college student then putting aside even $1,000 may be more difficult for you. But that’s ok! Just put aside what you can. Even just adding $5 to $10 a month into an emergency fund is better than having no emergency fund at all.

Likewise, if you’re more settled in life it might be easier for you to put even more than $1,000 aside into an emergency fund. It really doesn’t matter how you do it, what matters most is that you start accumulating that safety fund in order to be more prepared for surprise expenses in the future.

You can still use credit cards and loans.

Dave Ramsey may believe in using only cash to pay for things but there are advantages to using credit cards and installment loans. When used responsibly using credit can help boost your credit score and get you the things you need to have a comfortable life. Credit cards can also provide lots of perks outside of boosting credit scores. Some credit cards come with special points that can go toward paying for things like groceries and traveling. So long as you understand your limits and include loans and credit payments in your carefully calculated budget and financial plans, you’ll be just fine.

Should I Read This Book?

You may now be wondering whether you should give this book a read or not. You should definitely read this book if . . .

  • you are in debt
  • you have trouble managing your money or realizing where your money goes
  • you have trouble making a budget

If you are looking for a book with more specific details about financial topics (like investing, or small businesses) then you should check out Dave Ramsey’s other books that go more in depth on complex financial topics. The Total Money Makeover doesn’t expound upon these topics too much since it was written more as a beginners guide to Dave Ramsey’s financial baby steps.



Check out some other helpful reviews about Dave Ramsey’s book, the Total Money Makeover:

Review: The Total Money Makeover

The Total Money Makeover Review


Dave Ramsey’s 7 Baby Steps

dave ramsey baby steps

Are you trying to get out of debt? Do you want more financial stability and freedom? Are your finances one of the bigger stresses in your life right now? If any of these sentiments apply to you then Dave Ramsey’s 7 baby steps might be just what you need to cure your money blues.

Table of Contents

Step 1: Start an Emergency Fund
Step 2: Focus on Debts
Step 3: Complete Your Emergency Fund
Step 4: Save for Retirement
Step 5: Start a College Fund
Step 6: Pay Off Your House
Step 7: Build Wealth

Dave Ramsey is a guy who, through personal experience, was able to get out of debt and find financial peace of mind. He is now a financial expert with courses and books to help the everyday person get in control of their finances.

The best place to start when trying to regain control over your finances and achieve a full “money makeover” is to start with his 7 step plan. This plan has 7 baby steps that you follow to reach more financial stability and get to the point where you can start building wealth.

Step 1: Start an Emergency Fund

car maintenance

The first step in Dave Ramsey’s 7 step plan is, “Save $1,000 for Your Starter Emergency Fund.”

One of the main reasons people struggle with money is because necessary emergency expenses (like medical bills, car bills, or home repairs) come out of nowhere and drag you deeper and deeper into debt. But if you are preemptively prepared for these surprise expenses then they won’t take you off guard again.

So the very first thing you should do when getting your money in line is to get an emergency fund started. Save up an emergency fund in a separate bank account, until you have at least $1,000 in the account. This will be the start of the emergency fund that will keep sudden necessary expenses from plunging you into deep debts because you weren’t prepared.

Step 2: Focus on Debts


The second step in Dave Ramsey’s plan is to “Pay Off All Debt (Except the House) Using the Debt Snowball.”

The snowball method that Dave Ramsey refers to here means that you start by paying off small debts first, and work your way up to the bigger debts. Debts can include paying off your car, credit card debts, and student loans.

First, make a giant list of all your debts, every single one, except for your mortgage if you have a house. Then, put your list of debts in order from the smallest debt amount to the largest. Then you go through knocking out each debt by eliminating the smallest debts first and working your way up to the largest debt last.

Step 3: Complete Your Emergency Fund

medical bills

The third step is to “Save 3 to 6 Months of Expenses in a Fully Funded Emergency Fund.”

Now that you’ve gotten all your debts out of the way, it’s time to finish your emergency fund. You can use the same money you were using to pay off debts each month and put it toward your emergency fund until it has enough to cover 3 to 6 months’ worth of expenses and bills. Then you’ll really be prepared for anything.

Reasons to Have an Emergency Fund

  1. If you lose your job.
  2. You won’t have to worry because you’ll have enough to last you 6 months. This will give you the time you’ll need to find a new job.

  3. If your car breaks down.
  4. You’ll be able to pay for the necessary repairs, the tow truck, or even for a new car in some cases.

  5. Medical bills.
  6. Don’t let your health and necessary medical bills keep you from staying afloat financially.

  7. Home repairs.
  8. If something happens to your home you’ll be able to fix the problem rather than living with it.

Having an emergency fund is THE key to keeping you out of debt in the future. After getting yourself out of debt, an emergency fund is what will keep you from getting back into debt in the future.

Step 4: Save for Retirement


The fourth step in the Dave Ramsey plan is to, “Invest 15% of Your Household Income in Retirement.”

After your debts are gone and your emergency fund is taken care of, it’s time to start seeing to other important savings like a 401K. Dave Ramsey recommends you take 15% of your gross monthly income and put it toward a retirement fund each month. To figure out how much you should be putting into your retirement fund each month, take your monthly income and multiply that number by 0.15.

Step 5: Start a College Fund

college funds

The fifth step to Dave Ramsey’s plan is to, “Save for Your Children’s College Fund.”

Avoiding student loan debts can be one of the biggest factors in staying out debt as a young adult. If you can pay for your kids college tuition then you’ll ensure their financial security in the future, as they’ll better be able to stay out debt. Dave Ramsey recommends using either a 529 college savings plans, or an education savings accounts (ESA). Talk to your bank or credit union about setting up these accounts for these specific purposes.

Step 6: Pay Off Your House


The next to last step in this 7 step plan is to, “Pay Off Your Home Early.”

Put all the extra monthly income you have into your mortgage so you can finish paying it off early. After this step you will officially have no debts whatsoever! All of your earnings will go to you instead of getting drained away in large debts and payments.

Step 7: Build Wealth

wealth and legacy

Finally, it is time to, “Build Wealth and Give.”

Congratulations! Once you’ve reached the 7th step in Dave Ramsey’s Baby Steps, you can start focusing on building your wealth and leaving a legacy. Don’t forget to keep and maintain those financial safety nets like a healthy emergency fund, retirement account, savings account, and college funds.

Now you are officially in charge of your money rather than it being in charge of you.

Financial freedom is possible for you! Everyone can do it and Dave Ramsey’s 7 baby steps can help you get there. Dave Ramsey also has other resources that can help you implement this plan. You can participate in Dave Ramsey’s program, books, and podcasts.

You can take the actual course with Financial Peace University.

Dave Ramsey also has a free customized plan and assessment that you can do right now, in just 3 minutes!

Listen to the Dave Ramsey Show anywhere you listen to podcasts or radio.

Dave Ramsey’s 7 baby steps to financial freedom can help you with so many aspects of your life. They can help you decide when to buy a house or help you get situated for saving for a house. It’s a checklist program that can help you get rid of loans and debt (like student loans), or even help you get to where you can budget for a wedding.

Another way you can get some needed financial help is to take out an Installment Loan at Check City! Installment loans can help you stay on top of your bill payments and avoid late fees, which can really hurt your long-term financial goals.


Browse Dave Ramsey’s online store for more great financial resources to help you on your financial journey.

Read more helpful articles on the Dave Ramsey Blog

Learn more about the debt snowball, “How the Debt Snowball Method Works.”

Read Dave Ramsey’s full article on his 7 baby steps, “What Are the Baby Steps?

Stay out of debt through college by using these tips, “How to Stay Debt Free through Grad School.”

Budgeting in 4 Easy Steps

No matter your financial situation in life, everyone needs a budget. With a budget you can plan for needed expenses and prepare for the things you want. In fact, the most simple budget only needs a couple lists, a calculator, and some goals. Below are the the main points our post will go over to help you set up your budget:

Budgets are an important tool in anyone’s financial arsenal. Budgets can help you organize your needed expenses, like rent and bills, prepare for emergencies and get ready for whatever your future might hold. By knowing how to budget you can learn to stop living paycheck to paycheck and start building up your savings. it can help you save up for big expenses or future life events like a wedding, starting a family, buying a car or a house or moving to a new state.

Budgeting can also help you save for retirement, something else that even younger people just starting out on their own sometimes forget to think about but should. But most of all a it can grant you financial power and freedom and help you provide for your wants and needs. But for those just starting out on their own especially, it can be hard to know where to begin.

There are several key elements you’ll need to include in your budget. You need to think about all your necessary expenses and plan them out accordingly so you are aware of how much of your monthly income you need to spend each month no matter what. Then you’ll have to think about unnecessary expenses. This is where you have the most freedom to plan out the numbers and make adjustments.

How to Budget

There are many ways to budget and there is a lot of advice out there in the financial spheres about how to do it. You can also choose to plan for certain events by making a specific wedding budget, or for major purchases like car payments. But if you’re making a simple budget for yourself, then the main thing you’ll want to decide first is whether you want to make a monthly or yearly budget. Most people like to create a yearly one to get a general big picture view of their financial goals and future plans. But, a monthly one is more helpful for everyday use. We’re going to try and condense all that down to the bare bones minimum of what every smart budget needs.

#1: List your monthly income

List out all your forms of income. This would include the paychecks from your job, but also any extra money you make from any of your side hustles. Here is also where you can decide whether you want to organize your finances for gross income or net income.

Gross income is simpler and easier to calculate. You just need to know how much you get paid and use that money for your calculations.

Net income isn’t as simple to figure out but there are advantages to using it. You figure out your net income by looking up what the income tax is in your state, and taking out that percentage from your gross income. Using net income instead of gross income is perhaps better because it more realistically reflects what you will actually receive from your paycheck.

#2: List your fixed expenses

After you have all your sources of income written down you’ll want to form another list for all your fixed expenses. Fixed expenses are the expenses you have each month that don’t fluctuate in amount. Everyone’s list is going to look different depending on what expenses do and don’t apply to you, but here is an example list of some fixed expenses:

  • Rent or Mortgage: A calculation you’ll want to do when looking at your housing expenses is to check that your total housing expenses aren’t over 28% of your monthly gross income.
  • Insurance
  • Debts: A calculation you’ll want to do when looking at your debts is to check that your total debts aren’t over 36% of your monthly gross income.
  • Loans
  • Student loans
  • Credit card payments
  • Streaming services like Netflix, Hulu, and Spotify
  • Phone bill
  • Medication you pay for each month
  • Child support
  • Education

After you’ve listed all your fixed expenses total the amount, subtract it from your monthly income, and that’s what you have left to spend on varied expenses . . .

#3: Set up your savings

Before we go into varied expenses though, let’s take a moment to think about your savings and retirement. Get a savings account if you don’t have one already, and set aside a portion of what’s left over after fixed expenses. Any amount you can afford to put away into a savings account each month will set you up for success in the long term, even if it’s only 5 to 10 dollars a month.

Aside from general savings and saving for retirement, you also want to set money aside in an emergency fund. It’s recommended that you have at least 3 months worth of your fixed expenses put away into an emergency fund at all times.

Digit is a great app you can use to help you plan and organize all your savings.

#4: List and portion out your varied expenses

Everyone’s list of varied expenses is going to look differently depending on what expenses do and don’t apply to you. Varied expenses are any expenses that are going to fluctuate in amount each month, or are considered more like luxury expenses than needed ones.

Varied expenses are a big reason to do a budget in the first place so that your varied expenses each month don’t overtake your more important fixed expenses and your savings. Here are some examples of varied expenses you might need to consider:

  • Groceries
  • Eating out
  • Entertainment
  • Gas and transportation
  • Recreation
  • Clothes
  • College textbooks

Another way to figure out the reality of what you’re spending on varied expenses is to look at your transaction history for the month and see 1) How much in total you were spending on varied expenses that month, and 2) What those varied expenses were on. Do this for a couple months back to get a more realistic idea of what you are spending on varied expenses each month.

Organizing your varied expenses is where you have the most control over your budget. Whatever is left over after your fixed expenses and your monthly payments to your savings account is what you have to spend on all your other spending for the month.

Here is where you will list out what all those varied expenses might be and portion what you have left in the budget into them. Remember that you don’t necessarily want to portion out 100% of what’s left into these categories so that you can accumulate a comfortable cushion in not just your savings account but your checking account as well.

Budgeting Tips


Making investments is a great way to beef up your financial portfolio. There are probably a trillion ways to invest, but the idea behind investments is that you put money into something that will give you more money in return later. This is called compounding interest.
A helpful tip to remember when going into any investment is the rule of 72. This rule means that if you take 72 divided by the interest rate you’ll figure out the estimated number of years it will take for your interest to double your initial investment.

Personal Capital and Acorns are some of the most helpful investing apps you can use to step up your investment game.

Where should I put my budget?

Figuring out where to even put your budget can get complicated. You can use excel or make your own table in Word or Google Docs or any note taking program of your choice. There are also many free budget templates online that you can print out and use. Budget tools are all around if you take the time to look and decide on which ones best suit your needs.

Click here for a free budget worksheet from the Federal Trade Commission.

You can also use budgeting apps to keep track of all your bills, expenses, plans, and goals. Some of these apps even allow you to connect your budget to your financial accounts.

Control your spending

Sometimes it can be difficult to control your varied expenses throughout the month and track your spending. You can make controlling how much you spend each month easier by using a prepaid debit card. With a prepaid debit card you put money on it like a gift card to yourself almost. You can also use a similar method of spending control by just taking money out and only using that cash for your varied expenses each week.

PocketGuard is an app that can help you track your purchases.

Get a Side Gig

Getting an extra source of income can really come in handy. There are a million different kinds of side hustles any ambitious person these days can get into. You can babysit, drive for uber, or sell your own products. The possibilities are endless and it never hurts to have a little extra money each month.

Plan to Decrease Debts

Debt can be a real financial weight on your shoulders, but it can also be a necessary evil in order to get a house, get a car, get through college, and much more. Decreasing the amount of debts you owe can still help alleviate some of that weight and provide more financial comfort and peace of mind.

So it’s important to budget with paying down your debts in mind. You can pay down debts quicker by planning to spend more on that fixed/necessary expenses each month, by spending less on varied expenses, or by getting another job to provide more income to put into your debts each month.
Budgeting doesn’t have to be hard. All you really need is 4 lists and a calculator! Everyone should practice using a budget now so that you can control your finances instead of your finances controlling you.

Check out some of other Check City articles on budgeting:
Budgeting for Dummies
What is a Budget?
Budgeting Tips You May Not Have Thought of Before
3 Simple Tips to Building a Budget
Ways to Keep Track of Your Spending

How to Pay Off Credit Card Debt Fast


When people are carrying around a substantial amount of credit card debt, they sometimes have difficulty just getting started paying off that debt.

It’s easy to get frustrated quickly, and feeling overly anxious about your debt isn’t going to help you pay it off any faster. So what is the best approach to eliminating your credit card debt?

A quick Google search of “how to pay off credit card debt” will give you over a hundred different answers. The truth is that different methods work better for different people—you need to understand your own personality and spending habits in order to choose the best option works for you.

Know if You’re a Compulsive Buyer

Many people combat their own feelings of stress and anxiety by shopping compulsively. Maybe this is why you’ve found yourself with so much credit card debt.

If you can admit to yourself that you’re a compulsive shopper, then you can craft your strategy with this in mind. For example, to ensure you don’t keep adding to your debt, you can start by cutting up your credit cards.

Another trick is to come up with an activity that you can turn to whenever you feel the urge to spend compulsively. It could be anything—gardening, reading a book, or going for a walk—the point is to get your mind off of your compulsive behavior long enough for the urges to pass.

Identify Wants and Needs

Another part of what makes you unique is that you have specific wants and needs that could be very different from other people. For you, something that another person might think is a want is something you strongly feel is a need.
It’s ok to have unconventional wants and needs. You just need to be able to identify them. Because—let’s be honest here—you’re not going to be able to get out of debt unless you avoid unnecessary spending on things that you don’t need.

Take a close look at past spending and compare it to your list of wants and needs. How much was spent on wants?
I bet you’ll discover that you have plenty of room to cut out unnecessary spending. If you understand what your needs are, then you won’t feel bad about spending money on them. On the other hand, you need the self-control to avoid those pesky “wants.”

Focus on High Interest Rates First

The trick to paying off credit cards fast is honing in on the one card with the highest interest rate, and paying that off first. And remember, it isn’t necessarily going to be the card with the biggest balance.

By paying off the cards with higher interest rates first, you’re lowering the amount you pay to the credit card companies in interest, ultimately reducing the overall amount you’ll wind up paying. The result—your debt will be paid off faster, and at a lower cost.

Keep all other payments at the minimum, and once you’ve paid off the worst offender, move on to the next-highest interest rate.

Don’t Give Up

People make mistakes, and if you slip up along the way don’t give up on your overall goal. If you stumble, then pick yourself up and continue on the path to financial stability.

Establishing and Developing Your Credit Score Effectively

Your credit score can be a great inhibitor or it can open up financial doors for you. Cultivating a good credit score is not impossible and by paying attention and taking responsibility for your finances you can be sure that your credit score is where you want it to be. Building a good credit score can start early and if you are in college or you are a young adult, take control of your finances and of your credit score.

Start by understanding that you are going to need to be as responsible as possible with your checking or savings account and your debit and credit cards. Keeping up with your financial obligations may be difficult, but committing yourself to financial responsibility will ensure that your credit score will continue to grow higher.

If You Don’t Have Credit, Start Here

If you do not have any credit, start by getting yourself a credit card. Get a credit card that fits your needs and make your payments in a timely manner. You should try to pay off the credit card in full each month to ensure that you are not wasting too much money on interest payments. Although it can be tempting to spend money that you do not have, try to refrain from purchasing big items on your credit card when you know you do not have the money for them.

Stay Disciplined With Your Credit Cards

Using your credit for day to day expenses and then paying off the credit card at the end of the month is a great way to ensure that your credit card has a positive effect on your credit score. While you are using the credit card, you should understand that you will have ample opportunity to do damage to your credit score. It is important that you do not miss a payment. As you are applying for cards, make sure that you only apply for one card at one time. Applying for a high number of credit cards can be damaging to your credit.

After you have your credit card, you should only use anywhere from ten to thirty percent of the credit that you are allotted. Keeping your balance low and making regular payments will ensure that you are exhibiting responsible behavior with your credit card.

Diversify Your Credit

When you have had a credit card and you have established healthy and beneficial spending habits with your credit card, you may want to get another form of credit. Having more than one form of credit will help your score. Taking out an auto loan, a personal loan, a school loan or even a short term loan like a cash advance that you can pay off quickly is a great way to establish another line of credit.

When you are working on developing better credit it is also important that you are on top of it with your bills. You should be paying all of your bills on time. Although paying on time won’t do a whole lot to help increase your credit score, if your bill is sent to collections, you will see a negative effect on your score almost immediately.

Not staying current on your bills can be detrimental, but you may find that there are times when you just do not have enough money to pay your bills. If you should find yourself in this situation, do not be afraid to take out a payday loan. This loan will give you the money that you need to pay your bill quickly and then when you get paid you can pay back the loan. If you are going to pay back the loan quickly, you will be able to ensure that there is no negative effect on your credit.

A payday loan, when paid back quickly, can be your saving grace. You can avoid late fees, higher interest or even having a service cut off to your home by simply getting the payday loan and paying your bill on time. Taking advantage of this service when you are in need will ensure that you are able to keep your credit score in a desirable range.

Taking control of your finances and increasing your credit score can open up a lot of doors in your future. Do not be afraid to sit down and assess your financial situation so you can figure out how to make it better. With a little tweaking, you may find that you are able to make great leaps and bounds to ensure that you are going to have a credit score that is beneficial for you for years to come.

How to Fix Bad Credit

If you are one of the many individuals in America who is suffering from bad credit, do not be afraid. There is hope for you.

Many, many people struggle with the negative effects of bad credit. It is nothing to be ashamed of.
Once you realize that you have bad credit, however, it is important that you take steps in order to try to improve your credit score. If you just sit around and complain about how your score is bad, nothing is going to change and your score will not improve.

You have to try to improve your credit score and then hopefully you will see results. Fortunately, there are people who have gone before who have staked out what to do if you find yourself with bad credit.

Get a Credit Card to Improve Your Credit?

One of the first things you can do is to get a credit card if you don’t already have one. This may seem counter intuitive, but it can actually be helpful.

Many people have said that you have to have a good balance to have good scores, but this is purely a myth. But having and using a credit card wisely can definitely help you improve your scores.

If you don’t qualify for a regular credit card, you can usually obtain a secured credit card. A secured credit card is different than a prepaid credit card because a secured credit card is where the bank gives you credit to match the amount you deposit in the bank.

This may seem annoying and frustrating, but it is actually in your best interest to not have unlimited credit. If you have a bad credit score, then you probably haven’t been very wise with your credit in the past.

This secured credit card will help you get your spending under control. Another thing you can do to improve your credit score is to take out an installment loan.

Loans Can Help Build Credit

A good way to improve your credit score is to prove that you can handle loans and credit again. Installment loans include personal loans, car loans, mortgages, and student loans.

If you don’t need to have any of these loans, you could consider just taking out a small personal loan. This will help prove that you can handle paying back a loan.

However, it is important to remember that paying back your credit cards will help your credit score more than paying back your loans will. Therefore, paying back your credit card debt should be top priority when trying to improve your credit score.

Try to always have the goal of trying to completely pay off your credit card debt. It may seem impossible, but it is possible if you are determined and make a plan to pay it off.

It May Be Worth Hiring a Professional

You could even consider hiring a professional to help give you advice about how to better manage your finances and credit score. Although meeting with this professional will probably cost you money, the benefits will probably greatly outweigh the costs.

Try to get your balance below 30% of your credit limit. Getting your balance below 10% of your credit limit is ideal.

If you can get your balance to this place, then credit lenders will see that you can handle your credit card appropriately. It is a good idea to pay off the credit card that has a balance that is closest to its limit.
It may seem obvious, but throughout this whole process, it is important to try to minimize spending on your cards as much as possible. The less you spend, the better your score will be.

Lower Those Limits

Another thing you can do to try to improve your credit score is to decreasing your card limits to 30% of the current limit. If you can reduce it to 10% of the current limit, that is even more ideal.

Make sure to always know what your credit card limits are. Sometimes credit card lenders do not update credit card limits online, and so your score could go down if they’ve posted the incorrect limit.

Some credit cards do not have a preset limit, and so the lenders do not have to post a limit because technically a limit does not exist. This can be good and bad.

It is good because you virtually do not have a limit on your spending. It is bad because there really is a limit to your spending.

It is also bad because your credit score will definitely be affected negatively. Throughout this process of trying to decrease your credit score, it is important to not become discouraged.
It may seem like an impossible situation, but you can get help.

Choosing the Right Credit Card

In this day and age, credit cards can seem to be a bit of a necessary evil. Everyone seems to hear horror stories of people getting stuck in unreal amounts of credit card debt and not being able to find their way out. However, to be able to make big purchases like a car or a home you need to have built up credit and the easiest way to do that is responsibly using and paying off credit cards. In this post we’ll cover several tips that you can follow to choose which credit card is best for you.

As you begin your search for a new credit card it’s important to keep in mind that just like payday loans or cash advances, credit cards can be a great tool if they’re used correctly but unfortunately, many people use credit cards to buy things that they do not currently have the money for. When that happens, they are using the money that a financial institution lends them to buy something that they want right now.

While this idea makes sense in theory, in practice it is often detrimental. People think that they can buy whatever they want because they do not have to pay for it at the time of purchase.

They do not think realistically about time and so they predict that they will just pay off their debt “later.” Later always rolls around eventually, and many times people do not have the money to pay off their debts.

This is when things get hairy. If credit card payments are not paid by the time they are supposed to, fees are incurred.

Fees can stack up, which just creates more fees. Now it is clear how people who use credit cards can get themselves into loads of financial trouble.

It is important that people who are about to get a credit card realize the risks and hazards of getting a credit card. Many people decide not to get a credit card because they do not trust themselves with one.
They can predict that they will not use it wisely, and so they do not obtain one. Other people, however, trust that they will be able to handle and manage a credit and so they go ahead and get one.

People sometimes do not know which credit card to get. Here are a few tips on how you can get the right credit card for your needs.

Find the Best Card For Your Current Credit Score

One of the most important things you’ll need to know before you get a credit card is what state your credit score is in. Your credit score basically reflects how good you are at paying your credit card bills on time.
If you are bad at paying your credit card bills on time, your credit score is going to be lower. This tells the credit card companies and other financial institutions that you have a history of not being great at paying off your bills.

Credit card companies and financial institutions want to know this information so they can know if you are a safe customer to lend to. If you are not going to pay your payments on time, the credit card company is more likely to decline your business because they could lose money by accepting you onto their plan.

If your credit score is lower, you will have to accept that this is very likely to happen when you try to apply for a credit card. This is the reason that credit card companies and financial institutions require you to apply for a credit card.

With your application, they will be able to check your credit score and see if you are customer that they want to have. A good credit score is usually a score of 720 or above.

If you have good credit, the sky is the limit. You will most likely be accepted for any type of credit card you want.

Find a Card With Rewards That Best Suit You

There are many different types of credit cards. You can apply for credit cards that are very specific to your hobbies and passions.

For example, you can get credit cards for places like airlines, hotels, and gas stations. Many of these rewards cards will give you cash back.

If you have mediocre credit, you will most likely just have to apply for a regular credit card. This type of credit card will probably not have an annual fee.

A Secured Card Might Be Your Best Option

And if you have bad credit, you will probably have to get a secured credit card. Secured credit cards have a bad reputation, but they are not always bad.

The reason why they are called secured is because those who plan to use them must give the company a deposit right away that serves as collateral in case they go against the credit limit. The credit card company does this so they can be protected in case the person with bad credit is not wise with their card.

Always Read Through The Terms and Conditions

Another key thing to remember when trying to decide on a card is the terms and conditions of the credit card agreement. Reading the fine print of an application is advised.

It will probably not be a very exciting read, but it is crucial that you read it so you know what you are getting yourself into. Do your best to understand credit cards before you apply for one.

How to Reduce Your Credit Card Debt

When you know that you need to reduce your credit card debt, you should understand the importance of learning about your debt. This may sound strange, but you want to be familiar with the fine print and with the details of your credit card debt. Start by understanding the interest rate associated with each of your credit cards. When you know how much interest you are paying on each of your credit cards you will want to start by paying off your card with the highest interest rate. In addition to paying off your credit cards with the highest interest rates, it’s also important to get any short term loans or cash advances paid off as soon as possible.

Pay Off Your Highest Interest Loans First

While you are paying off your highest interest rate, you should be well aware of the necessity of paying much more than the minimum payment. The minimum payment will be a very small fraction of the actual debt that you owe. Allocate as much of your resources towards your highest interest rate as you can. To do this, you may want to find other areas of your financial life that you can cut. Finding ways to save money in other areas of your life will ensure that you are out of debt as quickly as possible.

As you are working on making those payments, you should understand the importance of being on time. Being in a lot of debt can have a negative effect on your credit score and making late payments can make your credit score even worse. You will want to make sure that you make your payments on time and that you are doing all that you can to pay off your high interest rates quickly.

After you have paid off the card with the highest interest rate, you will then want to move to the card with the next highest interest rate. Continue paying off your cards so you can be sure that you are minimizing your interest rates as quickly as possible.

Once You’ve Paid Off Your Cards, Adjust Your Spending

Once you have paid off your credit cards, you will then want to make sure that you can adjust your spending habits to keep yourself in a great financial position. There are many people that struggle keeping their spending habits under control when they see the extra money in their bank accounts.

After you have paid off your debt, you will want to create a saving and spending plan for yourself. The saving and spending plan that you create will ensure that you are going to save the money that can help you and also be able to provide for yourself. Working with a financial advisor is a great way to ensure that you are going to have a reasonable budget for yourself. The budget that you create should allow you the opportunity to save money and spend it.

Reward Yourself

Splurging on yourself and spending money on things that you want can be a great way to help you achieve your goals. Working to achieve your financial goals may take time. Long term goals can be frustrating in the beginning, but will be well worth it in the long run.

Mastering your finances may take time but it is important that you are patient with yourself. There are a lot of people that give up on mastering their finances simply because it is too overwhelming in the beginning. While you are working on achieving your goals, you should ensure that your goals are achievable.

Make the goals something that you can track to ensure that you are going to know when you are making progress. As you continue to track your progress you may want to set up some mini rewards for yourself throughout the time that you are working on accomplishing your main goal. These rewards can help you stay motivated toward your main goal.

Financial freedom is something that is well worth the time and effort that you are putting into your goals. When you are not in debt, you will have all of the money that you are earning to be able to save and spend accordingly. Take the time that you need to set up a plan for yourself or with a professional to set up your plan. Getting yourself out of debt and ensuring that you know how you are going to keep yourself out of debt will be your best option.

Seek out Help If Necessary

Finally, don’t be afraid to reach out for help when it comes to your finances. When your finances start to feel overwhelming, you should do all that you can to get yourself out of debt. Work with a professional, work with a trusted advisor or even with a family member to ensure that you are out of debt as soon as possible.

What is the Best Way to Get Out of Debt?

As you can tell from our previous posts about budgeting and getting out of debt as well as our responsible lending statement we here at Check City are huge proponents of making wise decisions with your personal finances. Whether it’s how you use a cash advance or how you control your credit card spending it’s always important to not take on any debt that you can’t afford to pay back.

When you are in a lot of debt, it can be hard to understand how it is going to be feasible to get back to financial freedom. There are a lot of people that struggle understanding how they are going to slowly but surely climb out of their debt. As you are working on getting out of debt, you will want to create a plan. The plan that you create can ensure that you will be on your way to financial freedom as quickly as possible.

As you are starting to pay off your debt you will want to do all that you can to pay more than the minimum payment. More than likely the minimum payment on your card is going to be about two to three percent of your outstanding balance. When you are only paying your minimum payment, you will find that you end up paying a lot more in interest. Each month your interest will accrue and you will end up paying more the longer you are in debt.

It Starts With Cutting Costs

To ensure that you are able to pay more than your minimum payment you may need to cut costs in other areas of your life. As you are cutting costs in other areas of your life you will end up saving money in the long run. If you have more than one credit card that you need to pay off, it is important that you know which card has the highest interest rate.

Target Your Highest Interest Loans First

Focus as many resources as you can toward your highest interest rate. As soon as you pay off that card, you will then want to focus all of your energy on the card that has the next highest interest rate. While you are focusing the majority of your resources on one card, you will also need to be paying the minimum payments on the rest of your cards.

As you are working on paying out your credit cards, you may want to call your creditor. When you call your creditor, you may be able to renegotiate the terms of your debt. When you are working on the terms of your debt with your creditor, you may be able to lower your interest rate. There are a lot of creditors that will lower your interest rate if you simply ask. Give your creditor a call and talk about what you can do to pay your debt off quickly.

Plan Ahead to Avoid Future Debt

When you are deciding what the best way to get out of debt is, you should also understand how to keep yourself out of debt. When you have paid off all of your credit cards, you should realize how important it is to keep yourself out of debt. As you are keeping yourself out of debt, you will need to change your spending habits considerably.

Creating a budget for yourself is a great way to ensure that you are going to spend less than you make. While you are working out a budget for yourself you have to understand how you are going to keep your budget reasonable. Although you want to save money, you have to be able to provide for yourself adequately. You want to be sure that you have enough money to provide for your living costs.

Finally, you should understand that you may need to file bankruptcy. Filing bankruptcy is often not the most sought after option, but it is important to understand that there are instances when filing bankruptcy makes the most sense. Talking with a financial advisor to ensure that you are able to make this decision wisely will probably be your best option.

If you should decide to file bankruptcy, you will want to work with a trusted financial advisor. By doing this, you can navigate the bankruptcy waters without any problem. It can be scary to file bankruptcy, but by having someone to help you through the process you can be sure that your questions are answered and that it isn’t too scary.

Getting yourself out of debt can be frustrating and difficult, but it is important that you make this a priority in your financial life. Paying of your debt quickly is your best financial option and it is important that you get started paying off your debt quickly. Make a plan for yourself today to ensure that you are able to start paying off your debt as quickly and as efficiently as you possibly can.


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