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The 12 Best Budget Apps (2020 Review)

The 12 Best Budget Apps (2020 Review)

The biggest part of budgeting is needing to get in control of your spending. But that can be nearly impossible to do on your own.

Expense tracker apps can make this a lot easier and even save you money. These budgeting tools can help you see your spending habits visually and see where your strengths and weaknesses are. As a management tool, it can help you spend your money the smart way and manage your cash flow.

All you need is a user-friendly spending tracker that works for you and you’re on your way to spending less and saving more.

Many expense apps also act as budgeting apps and can help you create your own budget. They make it easier to see all your spending in one place and manage all your monthly purchases and bills.

It can throw our finances out of balance for awhile when we go over budget one month. To get back on track you can take out a Check City Installment Loan and get your finances back in order in no time.

Here are some of the best rated expense tracker apps you can get for your phone today.

*All the information below was taken from Google Play on the day of posting.

1. Personal Capital

best budget app for investment portfolios

By Personal Capital Corporation

Reviewed 4.5 stars by 12,492 people

Free

PROS
CONS
Allows you to connect accounts: savings, checkings, investments, retirement, credit card accounts, mortgage. Designed primarily to track your net worth, cash flow, and investment portfolio.
Available financial advisors to offer recommendations backed by data. Not the most ideal option for personal, basic budgeting.
Tax optimization advice. Doesn’t allow you to share or link with other users.
Free analytics tool to track cash flow over a period of time. Less ideal if you don’t have a lot of money flow going different places.
Free analytics tool to track cash flow over a period of time.
Compatible with desktop and mobile devices.

With the Personal Capital app, you can do just about anything. You can sync the app to your personal bank accounts, your retirement funds, investments, IRA, and even debts, all in one seamless dashboard.

They even off their own high yield savings account called Personal Capital Cash. You can use Personal Capital’s saving account to keep any extra cash. It has no fees, no minimum balance requirements, and an Annual Personal Yield (APY) of 1.55%.

Overall,

the Personal Capital Budget App is great for individuals who want to grow their personal wealth and want to better keep track of all their investments. This app makes a great place to keep your full financial portfolio.

2. QuickBooks

best budget app for small businesses

By Intuit Inc

Reviewed 4.25 stars by 33,232 people

Free for 30 days

PROS
CONS
Plan specifically for small businesses, self-employed, and accountants. Not ideal for personal budget use.
Can keep track of all business expenses and keep them separate from personal expenses. Monthly subscriptions required from $15 to $35 a month.
Includes Turbo Tax features. Desktop pro costs $299.95
Automatically track miles. It costs an additional $250 to add other people onto your account.
Send professional invoices. You can only add up to 3 other people.
Compatible with desktop and mobile devices.
Ideal for all your business bookkeeping.

If you have frequent business expenses than QuickBooks is a good choice for you. This app includes the ability to track and earn up to 57.5 cents per mile, send and track your professional invoices, digitally keep track of receipts, and review how your business is doing financially in easy to read charts and graphs.

Overall,

Quickbooks is the perfect budgeting apps for small businesses and individuals who are self-employed. It’s a seamless place to do all your business bookkeeping.

3. Clarity Money

best free budget app

By Clarity Money, Inc

Reviewed 4.2 stars by 4,508 people

Free

PROS
CONS
100% free to use. Very simple features.
High-yield savings account with 1.70% APY. Involves creating an account with Marcus by Goldman Sachs Bank
Organize monthly expenses into categories. You can’t create groups.
Cancel unwanted subscriptions all in one place.
Make specific savings goals.
Free credit score checks.

The Clarity Money app has built-in AI that can help show you key information about your spending habits and help you automate your savings! Take care of your personal finance from month to month in this extremely simple budgeting app.

They also have a high yield savings account that’s highly customizable. You can decide to save specific amounts, at certain times each week or month, and even say what each savings plan is saving up for.

You can also cancel your subscriptions in one convenient location, organize all your bills, and check your credit score.

Overall,

the Clarity Money Budget App is a great app for anyone who wants a completely free, super easy to use money management app.

4. Mint Budgeting App

budget app android

By Intuit Inc

Reviewed 4.5 stars by 164,702 people

Free

PROS
CONS
Free unlimited credit score checks It’s not the most aestetically pleasing app.
Stay on top of your bills. There isn’t a desktop app, just a desktop website.
Stay on top of your spending.
See your financial analytics.
Make specific budget goals.

Mint is one of the most popular budgeting apps. It’s made by the same people who brought you QuickBooks and TurboTax.

With the Mint app, you can create a budget that’s easy to stick to, keep track of your spending in neat spending categories, keep tabs on all your bills in one spot, and even get free credit score checks. Mint also has an easy to use web app that connects to your mobile app.

Overall,

the Mint Budgeting App is a great budgeting tool for those who want to improve their credit scores since Mint offers unlimited credit score checks and personalized tips and tricks on how you can improve your score.

5. YNAB

best budget app for desktop

By YouNeedABudget.com

Reviewed 4 stars by 5,669 people

Free for 34 days

PROS
CONS
34 day free trial. Pay $11.99 a month or $84 a year.
Track your personal budget goals. Not very customizable.
Optimized for the YNAB method of budgeting.
The YNAB app is compatible with your phone, desktop, Apple smartwatch, and even Alexa!

YNAB stands for You Need A Budget, which is a company that specializes in helping people use the YNAB budgeting method to make easy to follow monthly budgets. The YNAB app will take you through this easy process and help you to set goals.

Overall,

the YNAB Budget App is a good budget tool for anyone who is already invested in using the YNAB methods of budgeting. So if you need some more specific guidance when it comes to budgeting, then the YNAB Budget App is made for you.

6. Mvelopes Budget App

cash envelope budget system

By Finicity Corp

Reviewed 3.5 stars by 3,474 people

Free for 30 days

PROS
CONS
30 day free trial. Pay $6 to $59 a month.
Resources for debt.
Personal Financial Coaches available.
Digitally make use of the envelope budgeting system.

The envelope method for budgeting is popular for its incredible simplicity. If you have a very difficult time with budgeting, then the envelope method is where you should start.

The Mvelopes Budget App allows you to put money into digital envelopes that will notify when they’re empty so you don’t overspend on a specific category of your budget.

Overall,

Mvelopes is the best app for anyone who wants to digitally use the envelope system of budgeting without the hassle of taking out cash and using actual envelopes. This app is also ideal for people who need help getting out of debt.

7. Money Manager

budget app for couples

By Realbyte Inc

Reviewed 4.6 stars by 10,800 people

App Price: $4.99

PROS
CONS
Free version of the app. Premium version of the app only costs $4.99 on Google Play, and $3.99 on IOS.
You can save photos. Desktop version only available with Premium.
Allows dual entry booking.
Lets you budget monthly or weekly.

The Money Manager app lets you save photos along with photos of your receipt, so you can see what you bought, and how much it cost. It also allows dual entry booking and backs up your data to Google Drive or Excel files.

Overall,

the Money Manager Budget App can be extremely useful for both personal and professional use. And even though the premium version of the app costs money, it doesn’t require a monthly or yearly subscription as most other budgeting apps do.

8. Expensify

expense tracking apps

By Expensify Inc

Reviewed 4 stars by 13,989 people

Free

PROS
CONS
Put business expenses on the Expensify Card. Not very ideal for creating a personal budget.
Scan receipts with a smart scanner.

Expensify is an expense report app that comes with its own Expensify card. With this card, you can eliminate expense reports by simply using the Expensify card for all your business expenses.

Using the Expensify card also comes with lots of benefits. For instance, when you take a client out to dinner you help pay for a student’s lunch and every time you use the Expensify card to book a hotel for a business trip, you help someone else get a home.

Now you can make business expenses and feel good about the little ways the Expensify card helps you help others.

You can track and submit receipts with a receipt scanner that can automatically detect all the important information from the receipt for you. Then, you can categorize, code, and organize all your receipts in one easy to reach place.

Overall,

the Expensify app may not be ideal for budgeting, but it is the most ideal app for keeping track of business expenses and keeping track of all your receipts. If you want a safe place to keep and organize all your many receipts then Expensify is the best app for you.

9. Dave Ramsey Budget App: EveryDollar

spending apps

By Ramsey Solutions

Reviewed 4.2 stars by 6,092 people

Free without premium

PROS
CONS
You can plan your paychecks. You can only connect your financial accounts with the premium version.
It’s compatible with your desktop and mobile device. The sections aren’t very customizable.
It’s compatible with your desktop and mobile device. The premium version of the Dave Ramsey Budget app costs $129.99 every year.
The premium version is expensive but it does also offer courses from Financial Peace University.

The EveryDollar app was created by Dave Ramsey’s company to help you budget like Dave Ramsey.

Dave Ramsey’s main budgeting principle is to decide where every dollar you earn goes so that you have absolute control over every penny you earn. There’s also a premium version of this app available with EveryDollar Plus.

Overall,

the Dave Ramsey Budget App is a very simple budgeting app that might just be the easiest to use. Everything is effortlessly organized for you so you can start budgeting immediately.

The only major downside to the Dave Ramsey Budget App is that the premium versions cost a lot of money, $129.99 a year, and it’s only with this cost that you can sync your bank accounts to the app.

10. Zoho Expense Reporting

expense report app

By Zoho Corporation

Reviewed 4.5 stars by 2,659 people

Free

PROS
CONS
Dashboard helps you see the expense reports you have and haven’t sent. Not ideal for tracking personal expenses.
Can easily track your miles. No budget creation features.
Creates detailed expense reports.
Import your credit card statements all at once.

Zoho Corporation creates all kinds of useful apps for your business. One of them is an expense reporting app that lets you import credit card statements and helps you see the overall analytics for your business expenditures.

With this app, you can easily see how your business is doing financially in one place. With their easy to read graphs and charts, you can see how much your business is costing you in travel, office supplies, and client meetups.

Overall,

the Zoho Expense Reporting App is the best app for keeping track of all your business-related expenses. It’s also a very useful app if you’re an employee that needs to frequently send expense reports because you can quickly and painlessly send them to your boss from your phone!

11. Wally Budget App

best family budget app

By Wally Global Inc

Reviewed 2 stars by 200 people

Free, in-app purchases

PROS
CONS
Create groups and share budgets with the whole family. App is still in development.
Manage foreign accounts, investments, and your net worth. Wally Gold costs $26.99 a year.
Automatically tracks all your spending and give detailed insights into your spending habits. Coin earning system. Earn Wally coins every time a friend uses your invite code to download the app.

Don’t let this budgeting tool’s low rankings mislead you, Wally is an up and coming finance app that has been rated #1 over 40 times by places like NerdWallet, Forbes, and The Guardian. It is quickly becoming one of the most popular budget apps and it’s easy to see why.

The Wally app even lets you create group budgets for your family and household. It also lets you create shopping lists so you can see how much your grocery trip might cost you. And their basic version is 100% free!

Because the Wally Budget App is still new, they’re still working on creating features like desktop capability. But these features should soon be on their way. But already the basic Wally app has all the budget tool features you could ever want, with bank syncing, easy customization, and the ability to create multiple groups!

Overall,

the Wally app is the best overall budgeting app. It’s the perfect budget app for families and individuals and comes in a pleasant and friendly design you’re sure to love.

12. Albert Budget App

budget app for ios

By Albert Corp

Reviewed 4 stars by 3,146 people

Free

PROS
CONS
Get a $100 cash advance on your next paycheck. Cash advances cost up to $4.99 for instant delivery.
Customize your savings goals. Without the instant delivery fee, cash advances deposit in about 3 business days.
Get a 1% annual bonus for saving. Requirements apply.
Start an investment account with just $1. Requirements apply.

The Albert budgeting app has a sleek and simple design and allows you to easily take care of all your finances.

You can even text with a professional when you need financial advice, get real-time alerts about your finances, invest, and fully automate your savings. And these professionals aren’t just bots, they’re actual financial experts that work at Albert Corp to help you with your financial questions.

Overall,

the budget app by Albert Genius is a great portfolio for someone who wants easy access to some extra funds and an easy way to get started in the investment world.


Job Interviews Tips for 2020

job interview tips

Job interviews can be a stressful part of the job hunting process. But with some tips, you can easily ace your next interview and land your dream job!

Do you have a weakness for job interviews? Succeeding in job interviews is a crucial part of the job consideration process. How you do in the interview can be the deciding factor in whether you get hired or not. That’s why we put together this master guide with all the job interview tips you need.

Explore this Article:

When searching for a new job, part of the process often includes an interview. Employers conduct job interviews so they can get to know you and ask important questions. They want to gain a better impression of who you are than they can from just your resume. This will then better help them decide who to hire.

Job Interview Preparation

There are things you need to do before, during, and after an interview in order to ace it. First, we’ll go over what you need to do before you even get to the interview. These tips will help you feel confident and prepared for job interviews when they come.

Research the Business

Before you go into an interview, you should sit down and do some research on the company or business you are interviewing with. Find their website, visit their store, read reviews, and read articles about them to become more familiar with the company.

You want to research the business because then you’ll have a clearer understanding of what they do and what might be expected of you at this new job.

Download a Free Resume Template.

You can even research the company before you send in your resume. Then you can tailor your resume and cover letter to that particular business. For example, you might see on their website that community service is important to the members of this company. Then you can be sure to list your volunteer experience first on your resume.

Review the Job Description Again

Read and review the job description so that you really understand all the information the employer has already provided about the job. That way you won’t ask questions in the interview that you should already know the answer to. It will make you look bad if you don’t know something that was clearly stated in the job posting.

Pay particular attention to the skills and requirements they list in the job posting. This will give you important insights into what they want to know about you in the interview. For example, if photoshop is a required skill, then be prepared to talk about the ways you’ve successfully used photoshop to complete jobs and tasks in the past.

What to Wear to a Job Interview

Don’t pick the clothes you are going to wear on the day of the interview. This will make it take longer for you to get ready and leaves you vulnerable to wardrobe malfunctions and catastrophes. Instead, pick your clothes a few days before, try them on to see how they look, and make sure they’re clean, ironed, and neat.

A lot of people also wonder what to wear to a job interview. But picking job interview outfits doesn’t have to be complicated. It is usually better to be overdressed than underdressed. So no matter what the job might be, it’s always a good idea to dress Business Professional.

Business Professional includes things like skirts, suits, suit jackets, blazers, button-down shirts, collared shirts, and dress shoes.

It’s also important that you manage your grooming before a job interview as well. To give your best first impression you want to be clean, look clean, and smell clean. Also, be careful not to wear too much perfume or cologne. The purpose of proper grooming is to look like you know how to manage and take care of yourself.

Plan your Trip

Plan your transportation ahead of time for the day of the interview. Know how you are getting there and when you need to leave. Be 15 minutes early to make sure you aren’t late and to show how punctual you are.

You’ll also want to make transportation preparations to make sure you have enough gas in the tank or suddenly realize you didn’t ask for the address. You should also ask for a phone number to contact in case you have trouble finding your way. Some people even like to make the trip to the interview the day before just to make sure they won’t get lost on the day of the interview.

Don’t Forget to Eat!

Eat an hour or so before you go to the interview. You don’t want to suddenly have a rumbling stomach during the interview or trembling fingers because you didn’t eat yet that day.

When you’re nervous, it can be easy to lose your appetite and forget to eat. So don’t forget to put feeding yourself on your preparation list for the job interview.

Bring a Notepad and Pen

Bring your own notepad and pen so you can take notes if you need to during the interview. You can also use the notepad to keep a list of questions you want to ask so you don’t forget them.

Having a notepad with you can also help you look more professional and ready to be productive.

Job Interview Tips

There are things to do and not do, during the interview as well. A lot of these job interview tips revolve around the art of public speaking. In a job interview, you have to make conversation in front of a stranger, or even several strangers sometimes. You want to learn some public speaking skills so you can present yourself well and give a good first impression.

Avoid Fidgeting

Don’t fidget in your chair too much. When you’re nervous it can be easy to tap your foot incessantly without even noticing you’re doing it. But your interviewer notices.

Learn to talk with both feet firmly planted on the ground and your hands in your lap. Do a test run of public speaking for the interview with a friend to get someone to notice your nervous ticks for you so you can work on them.

Avoid Filler Words

Don’t use filler words. This can be a very difficult habit to get rid of, but with some practice, you can do it. Practice talking through your interview with a friend who has a counter and can count all the times you say your favorite filler words.

Do several practice runs until that number goes down or even reaches zero. Once you force yourself through practice to get rid of filler words in your speech, you’ll find it a lot easier to avoid them.

Make Eye Contact

Make eye contact with the person conducting the interview. Making eye contact shows open, friendly, and confident body language. It can also help you seem less nervous than you are if that’s something you struggle with.

But it’s also ok to look to the right or left of someone or up at a spot on the wall or ceiling as you explain an answer if this helps you focus on your answer and not feel nervous.

Keep Body Language Open and Friendly

Use open body language and avoid using closed body language without realizing it. Open body language will help you come across as confident and friendly, a perfect candidate for the open position.

Closed body language includes things like crossing your arms or legs, avoiding eye contact, or slouching your shoulders.

Open body language includes things like shaking hands, making eye contact, keeping both feet on the ground, not crossing your arms, and having good back posture.

When you practice for the job interview with a friend, also practice having good posture, looking your interviewer in the eye, and using open, confident, and friendly body language.

Don’t Criticize Others

Don’t criticize or complain during the interview. This will make you seem tacky, immature, unprofessional, or even rude. It’s particularly a bad idea to complain about your previous boss in an interview. This will not earn you points in their eyes or flatter your potential future boss.

Instead, this kind of talk will make them think you’ll talk bad about your new boss or the company behind their backs and no employer wants that for their business.

The person conducting the interview might ask you some questions about your old employment like, “what were some things you didn’t like about your previous job?” or “why did you leave your previous job?”

Answer these questions without making things too personal. They don’t want to know that you found your old boss annoying or that this one coworker talked about their cat too much. They want to know more about what you do and don’t want in a job to see if this job is a good fit for you.

Job Interview Questions

We’re going to go over the most common job interview questions and how best to answer them. The biggest thing you’ll want to prepare is your answers to interview questions. That’s why we’re including this list of job interview questions and sample answers. The best way to practice answering job interview questions is to practice answering them with someone. Even if that someone is yourself in a mirror.

Socializing with other ppl in your field is also a great way to network with important people and learn how to talk about yourself within your field.

Common Interview Questions

The best way to answer interview questions successfully is to have a story in mind for each possible question. Have job interview related stories prepared that could illustrate something useful to a potential employer.

Download a Free PDF Printable of a Job Interview Questions Practice Sheet.

Have examples of when you did hard things, handled conflict, overcame things, had success, when you failed and got back up, when you were a leader, or when you contributed as part of a team.

Tell me about yourself.

This question leaves interviewees everywhere at a loss for words. It’s hard to talk about yourself, and we don’t do it very often, but you’ll want to learn how to talk about yourself in relation to your field.

What an interviewer wants to know by asking this question are things related to the job. If you’re applying for a science job they don’t necessarily want to know how you like soccer.

When an interviewer says, “tell me about yourself” they want to hear a brief overview of your career so far.

What are your weaknesses and strengths?

When an interviewer asks about your strengths and weaknesses they are trying to determine how you perform your job. If you have a weakness within your area of expertise they want to hear about the efforts you’re taking to overcome that weakness.

If you have a particular strength within your field they want to know how you got there and what you learned from developing that strength. They want to see how you function as a person and a potential employee.

Where do you see yourself in the future?

This question might come with an arbitrary amount of years tacked onto it like, “where do you see yourself in 5 years?” but the intentions behind the question are the same. The employer wants to know what your long term goals are and whether those goals will be best served at this job. They want to know what you can gain from this job and what this job can do for your 5-year plan.

Actually sit down and make a current 5-year plan for yourself. It’s ok if your 5-year plan changes each year, it’s just good to have ambitions, an eye on the future, and responsibility for yourself and your future. This is your opportunity to show them you are a goal-oriented person and know how to make plans to reach those goals.

Why should we hire you?

What an employer wants to know here are specific ways you might contribute to this job and help make things better. You can show them how you’ll do this by giving examples of the contributions you’ve made in previous jobs.

For example, maybe you love organizing and helped optimize a filing system at your previous job. You could tell this story to illustrate how your eye for details and organization would make you an asset at this new job as well.

Why do you want to work here?

This question is closely tied to the “where do you see yourself in the future?” question. They want to know how this job fits into your life and your goals. They want to know why you are excited about this job and all you could contribute to making this position better than when you found it.

They want to hear about which parts of this job you feel the most passionate about and why it’s important to you. Maybe you want to work at this job because the position offers opportunities you’ve been looking for, or fits perfectly into your schedule, or allows you to pursue a passion you’ve always had.

At the end of the day, employers want employees who actually want the jobs they give them and who will be happy in this job position.

What questions do you have for me?

At the end of a job interview, they will often ask if you have any questions for them. This is your opportunity to 1) ask about important information that wasn’t available to you before now and 2) ask questions to help you determine whether this work environment is a good fit for you.

You can also ask some of these questions before your interview, like how much the position pays or what are the scheduled hours. Also, don’t be afraid to go in with a small list of questions so you don’t forget them during the interview.

Examples of questions to ask in a job interview:

  • Can this job be done remotely?
  • What does a normal day at this job look like?
  • What are the pay, benefits, hours like?
  • How would you describe the perfect employee?
  • What’s something you don’t like in an employee?
  • How would you describe the workplace environment here?
  • How soon can I expect to hear back about a decision?
Job Specific Interview Questions

Questions might also be based on what job you’re applying for. For instance, if you’re going to work with people a lot, or customers, they might want to know how you handle tough situations with people, or whether you prefer working with others or alone.

They might have a test at the interview depending on the job position. For example, editors might be asked to take an editing test. Make sure you know about any job-specific things to expect in your interview.

Phone Interviews

Phone interviews are often used when schedules and locations just don’t meet up. You might get a phone interview if you are applying for a job out of state or in a faraway town.

There are also some specific ways to prepare for phone interviews that you don’t have to worry about in a normal interview.

Get Rid of Distractions and Noises

Let everyone in the house with you know you’re doing an interview so they know not to disturb you. If you have roommates they can be quiet or make sure they’re out of the house during your interview. If you have kids, you could drop them off at the babysitter’s house for the interview or have a spouse play with them outside while you focus all your attention on the call.

Basically, you don’t want noises in the background of your call. This can distract both you and the interviewer, making it more difficult to perform the interview over the phone.

Dress Up Anyway

Even though you aren’t going anywhere and no one is seeing you, you can still get dressed in business attire. When you’re on the phone it can be easy to forget the professional tone you need for this conversation. But if you’re dressed for an interview then it will be easy for you to remember what you’re doing and take on the professional behavior and tone you need.

Check for Technical Difficulties

Make sure you have good service where you take the call. You want to make sure you won’t lose the call and that you’ll be able to hear them well. If your phone’s speakers aren’t great then you might want to have them fixed before the interview. You could also connect your phone to a speaker to better control volume and hear them better.

Video Interviews

Video interviews are another way employers might conduct their interviews. This might just be an easier way for them to get through their interviews. Video interviews allow you to have the full interview experience without anyone having to travel.

Dress Professionally

Dress and groom yourself the same way you would if you were going to the interview. Because it’s a video interview and not a phone interview, they’ll still be able to see you, so you’re going to want to dress in business attire.

Check for Technical Difficulties

Check your video chatting capabilities with a friend to make sure you aren’t going to run into technical difficulties. A video interview would be ruined if suddenly your camera or video capabilities aren’t working. So do a test run first. Check the video quality, the sound quality, and the connection.

Tidy Up

Choose where you’re going to sit for the video interview. Then clean up the space around your designated spot. You don’t want the background behind you to distract the interviewers. Showing yourself in a clean environment will also help you make a good first impression and show you have your life together at home.

Get Rid of Distractions, Noise, and Interruptions

During phone interviews, you need to get rid of loud noise distractions, but for a video interview, you need to get rid of noise and visual distractions. Talk to whoever else might be in the house with you at the time so they know not to walk into the video as well as make too much noise.

Follow Up Job Interview Email

After the interview is over you’ll want to send a follow-up email. The interviewer took time out of their own day to talk to you and give you an extra chance at the job. They thought you were a good enough candidate to actually meet with them before they make a final decision.

So don’t forget to send a thank you email to them for taking the time to meet you and considering you for the job. You can also offer to answer any other questions if they need to contact you again.

Job Interview Follow Up Email Template:

 

Recipients Name,

Thank them for their time and consideration.

Remind them of why you would be good for this position and why you are interested in this job.

Mention how you look forward to hearing from them and let them know how to contact you if they have any further questions.

Sincerely,

Your Name

 

And now you wait. It might be appropriate to send another follow-up email if you don’t hear back from them after a week. There’s also a chance you’ll receive a follow up job interview and need to go through a second interview process. A follow up job interview happens when an employer has reduced a larger pool of candidates and getting a follow up job interview means that you made the final cut! Now you just have to ace your follow up interview and await their final decision.

You might also need some financial help to get you between jobs. That’s where the Check City Personal Loan comes in.

Useful Job Resources

You can also check out this helpful resource for job interviews at RobertHalf.com.

You can start finding jobs by using sites like, Indeed or ZipRecruiter.

If you’re looking for job interviews you might also need to know How to Make a Resume. If you need a resume you might also need to know How to Write a Cover Letter to go with your resume.

Depending on the type of job you’re applying for, you might also need to know How to Make a Portfolio, whether it’s a hard copy portfolio, or a website portfolio.


2020 Review: The Best Store Credit Cards

store credit cards review

Which credit card is best? With endless options, it can be hard to choose.

That’s why we’ve compiled a complete list of all the best department store credit cards so you can easily compare different credit card perks in one place! Here you can look at credit cards for bad credit, and some of the easiest department store credit card to get.

Our Store Credit Card Guide:

Credit cards can offer a lot of benefits. You can use them to better budget yourself, when you need extra funds to pay for something, or to accumulate cashback, points, and rewards.

If you need to pay for a larger purchase in installments, you can also take out a Check City Installment Loan and avoid any hassle with multiple credit cards.

Best Buy Credit Card

Get 5% back in rewards for Best Buy purchases and 6% back if you are an Elite Plus Cardmember. Gest the Best Buy Visa Card and also earn 3% back on gas, 2% back on dining and groceries, and 1% back on everything else.

Recommended Credit Score:

Average to Excellent (630 to 850)

Fees:

Annual fee of $0 to $59 depending on your level of creditworthiness

Cash advance fee of $10 or 5% depending on which is greater

Interest Rate:

at least $1

PROS CONS
flexible financing only on purchases of $199+
get 10% back in rewards on your first day of purchases application needs approval
offer both credit and visa cards credit card is for Best Buy purchases only
there are annual fees
there are cash advance fees

The Best Buy Cards are issued by Citibank. If you get the Best Buy Visa Card then you can also enjoy benefits like 3% back on gas, 2% back on dining and groceries, and 1% back on everything else. But the Best Buy Credit Card doesn’t have this option. It is only used for Best Buy purchases online and in stores.

Walmart Credit Card

Get 5% back at Walmart.com, the Walmart app, grocery pickup, and delivery. Get 2% back in Walmart stores, Walmart fuel stations, restaurants, and travel expenses. Get 1% back everywhere else.

Recommended Credit Score:

Fair to Excellent (630 to 850)

Fees:

$0 annual fee

$0 fraud liability

3% balance transfer fee

3% or $10 cash advance fee, whichever is greater.

Interest Rates:

variable rate of 17.99%, 23.24% or 26.99% depending on the level of your creditworthiness.

PROS CONS
mobile friendly app only 2% back in stores
card lock available can only use Walmart fuel stations for the 2% back
get security alerts on your phone credit approval required
you are not liable for fraudulent purchases balance transfer fees

Walmart has 2 kinds of cards—the Capital One Walmart Rewards Mastercard and the Walmart Rewards Card. Your credit score has to meet minimum credit approval requirements with Capital One before they will approve you for the Walmart Credit Card.

Credit Card for Children’s Place

Get 30% off your first purchase, 25% off on your children’s birthdays, 20% off just for getting the card, and get 2 points for every $1 you spend and 100 points for every $5 you spend.

Recommended Credit Score:

Fair to Excellent (640 to 850)

Fees:

Shipping fees

Interest Rates:

27.24% APR

PROS CONS
can be used at the Children’s Place or Gymboree can’t be used outside the store
earn 100 points for every $5 you spend subject to credit approval
get birthday rewards can only register 4 of your children’s birthdays

The Children’s Place Credit Card is issued by Comenity Capital Bank. They specialize in branded credit cards. You can get lots of discounts by using a credit card from Children’s Place, but you can’t use it outside the store and there isn’t a lot of available information about the potential fees and interest rates.

Home Depot Credit Card

Get $25 off purchases of $25 to $299, $50 off purchases of $300 to $999, and $100 off purchases of $1,000 or higher.

Recommended Credit Score:

Fair to Excellent (640 to 850)

Fees:

$0 annual fees

Interest Rates:

7.99% fixed APR for Project Loans

17.99% to 26.99% APR depending on your level of creditworthiness for the Consumer Card

PROS CONS
get up to $100 off your Home Depot purchases Home Depot Purchases only
financing terms of 6 to 84 months available only get other savings at participating fuel stations with the commercial cards
can borrow up to $55,000 for a Project Loan
no interest for the first 60 days after a purchase

Home depot has 4 major credit cards—the Home Depot Consumer Credit Card, the Home Depot Home Improver Card (the Project Loan Card), the Home Depot Commercial Revolving Charge, and the Home Depot Commercial Account. You can use the Consumer Card and the Project Loan for your own personal use and you can use the Commercial Cards for your business.

Lowe’s Credit Card

Get $5 off every day on all your Lowe’s purchases. You can also get 6 months of special financing, 84 months of fixed monthly payments, and credit cards for your business.

Recommended Credit Score:

Fair to Excellent (640 to 850)

Fees:

$0 annual fees

Interest Rates:

7.99% APR on the Lowe’s Advantage Card

26.99% APR with a minimum interest charge of $2 on the Lowe’s Business Cards

PROS CONS
get 5% off on everything Lowe’s Purchases only
special 6 month financing terms available minimum purchase of $299
84 month terms available minimum purchase of $2,000

Lowe’s has one card for personal use called the Lowe’s Advantage Card. With it you can take part in exclusive events and discounts for cardholders and get 5% off on all your Lowe’s purchases. You can also use their 6 to 84 month financing on larger personal purchases.

Lowe’s also has 4 cards for your business—the Lowe’s Business Credit Cards and the Lowe’s Preload Card. These can also get your business 5% off every day, and get you discounts on deliveries and larger lines of credit.

Kohls Credit Card

Get $35 off your first Kohls purchase after getting the Kohls Credit Card. You can also enjoy extra savings, Kohls cash, anniversary offers, mobile payments, and Most Valued Customer benefits after spending $600 at Kohls in one year.

Recommended Credit Score:

Good to Excellent (680 to 850)

Fees:

$0 annual fees

Late fees up to $38

Interest Rates:

26.49% APR

PROS CONS
get exclusive offers throughout the year balance transfers aren’t allowed
get 15%, 20%, and 30% off coupons throughout the year savings aren’t consistent
special anniversary offer each year APR is a variable rate

The Kohls Charge Card is issued by Capital One. You can only use the Kohls Credit Card in their stores, but they do come with monthly discounts, and the ability to make returns without receipts. You can even become a Most Valued Customer (MVC) by spending $600 at Kohls in a single year. Then even more benefits will open up to you.

Get $20 off your first store purchase, get 5 points for every $1 you spend on their brands, get 1 point for every $1 you spend everywhere else, and get a $5 reward for every 500 points.

Recommended Credit Score:

Fair to Excellent (600 to 850)

Fees:

$0 annual fees

$0 fraud liability

Interest Rates:

26.99% APR

PROS CONS
fraud prevention chip
extra 20% off
free shipping
free basic alterations on Banana Republic clothes
same benefits apply at all Gap stores
can be used anywhere that accepts Visa

The Old Navy Credit Card is a part of the Gap Brand. This means that Old Navy Credit Cards, Gap credit cards, Banana Republic Credit Cards, and Athleta Credit Cards all come with the same benefits and can be used interchangeably amongst these 4 stores.

The Gap brand credit cards are all issued by Visa, which means that they can all be used anywhere that accepts Visa cards, not just inside their stores. So you can use them for all your shopping, get 1 whole point for every $1 dollar you spend, and watch your clothes start paying for themselves.

TJ Maxx Credit Card

Get $10 off when you sign up for a TJ Maxx Rewards Card. Earn 5% back in the TJ Maxx family of stores, get 5 points for every $1 you spend in stores and 1 point for every $1 you spend anywhere else.

Recommended Credit Score:

Fair to Excellent (620 to 850)

Fees:

$0 annual fees

Interest Rates:

27.24% APR

PROS CONS
same benefits apply at TJ Maxx, Marshalls, Home Goods, Sierra Trading Post and Homesense can only redeem rewards in the TJ Maxx family of stores
earn 5% back in rewards when you shop in the family
get invites for exclusive offers
can be used anywhere that accepts Mastercard

The TJ Maxx Rewards Credit Card is a part of a larger family of stores. You can also get these same discounts and points at Marshalls, Home Goods, Sierra Trading Post, and HomeSense.

The TJ Maxx Card is issued by Synchrony Bank and Mastercard. It can be used outside this family of stores so you can get 1 whole point for every $1 dollar you spend outside their stores. Rewards can only be redeemed inside their stores.

Amazon Credit Card

Get 5% back on all your Amazon purchases, get 2% back at restaurants, gas stations, and drugstores, and get 1% back on everything else. The Amazon Credit Card also offers 6, 12, 24 month financing terms and 0% APR.

Recommended Credit Score:

Fair to Excellent (640 to 850)

Fees:

$0 annual fees

Annual Prime Membership fee

$0 fraud liability

Interest Rates:

0% APR

PROS CONS
use financing terms to make purchases in installments you need an Amazon Prime membership
0% APR
you are protected against unauthorized purchases
can use anywhere that Visa is accepted

The Amazon.com Store Card can offer you financing, zero fees and interest rates, limited time offers, protection against fraud and money back on all your Amazon purchases. It can also get you a percentage back on all your other purchases.

Costco Credit Card

Get 4% back on gas, 3% back on restaurants and travel, 2% back on Costco purchases, and 1% back on everything else.

Recommended Credit Score:

Very Good to Excellent (750 to 850)

Fees:

Yearly Costco Membership fees

$0 foreign transaction fees

Interest Rates:

16.74% APR variable

PROS CONS
earn back the most on gas and travel if you don’t travel a lot
can use anywhere that Visa is accepted you need a Costco membership
you can use this card in other countries if you don’t visit other countries

Your Costco Anywhere Card also doubles as your Costco membership ID. It can also get you an extended warranty on your purchases. Costco also offers cards for your business needs.

Target REDcard

Save 5% on all your Target purchases, enjoy free 2-day shipping, an extra 30 days on returns, and special gifts and offers throughout the year.

Recommended Credit Score:

Fair to Excellent (640 to 850)

Fees:

$0 annual fee

$40 cash withdrawal fee on the Target Debit Card

Interest Rates:

25.15% APR variable

PROS CONS
link Target Debit Card to existing checking account $40 cash withdrawal fee
10% discount coupon on your card’s anniversary can only be used at Target

Target has both a Target REDcard Credit Card and Target Debit Card. The Target Credit Card, however, can only be used at Target, so you can’t get points or cashback on other purchases.

How to Pick a Credit Card:

The key to picking out a credit card is knowing which one will most benefit you specifically.

First, think about where you shop the most. You’ll get the most benefit from that card because their best perks are usually for in-store or online purchases. If you don’t know where you shop the most then go to your bank account statements and look at your transaction history.


How Much Do Computer Programmers Make?

how much do computer programmers make

Computer programmers make about $5,221 a month while the average full-time worker makes around $3,744 a month.

In America right now, computer programmers tend to make about $1,477 more than the national average and that’s only considering the median salary figures for computer programmers. GlassDoor says that computer programmers can make up to $9,166 a month!

What Do Computer Programmers Do?

Computer programmers can work in a wide variety of fields. But mainly, computer programmers create and troubleshoot code, computer software, and computer programs.

Computer programming itself is all about writing instructions for computers so that programs and software work the way they are supposed to. Computer programmers often use their skills to help programs be more user-friendly for customers or other company employees.

Computer programmers complete their jobs by learning and using computer languages like Java, C++, C#, and Python, just to name a few out of many. Aside from computer languages, computer programmers also want to stay up to date in the world of technology throughout their careers.

The Best Coding Languages to Learn

coding languages

If you want to become a computer programmer you’ll want to start getting familiar with computer languages. There are many many computer programming languages, but some are more popular than others.

The 5 Most Popular Computer Languages:

  1. Java
  2. C
  3. C++
  4. Python
  5. C#

The languages you learn as a computer programmer can also be important to your future salary.

Java

Java is a useful language to know because it can be used on any platform, regardless of whether it’s Windows, Mac, Android, iOS, mobile, or desktop. It’s a very commonly used language that can be used for web development and creating apps. Java is considered to be an intermediate level coding language since you will need to learn some specific vocabulary.

Computer programmers who know Java make an average of $94,000 a year.

C

C is a very old computer language. It is actually the root language behind other coding languages like C#, C++, and Java. Because of this, many people recommend learning C first in order to get a good foundation in computer languages. C language is a high-performance language at the intermediate to advance level. You need to have some knowledge of computers before you start working in this language.

Computer programmers who know C make an average of $91,000 a year.

C++

C++ is a language branched off from C language. But while C language is intermediate to advance, C++ is only beginner to intermediate, making it a bit easier of a language to learn if you’re just starting out. Many have also been migrating from C to C++ because it is more intuitive in how it’s used.

Computer programmers who know C++ make an average of $91,000 a year.

Python

Python is a very common language and it is growing in popularity. Of all the languages mentioned here, Python is probably the easiest to learn. It is a beginner level of difficulty so if you’ve never learned a language before, Python might be the best language to start with.

Computer programmers who know Python make an average of $92,000 a year.

C#

C# was created by Microsoft and is similar to the C++ language. It’s a language that is most compatible with Windows, Android, and iOS and uses the concept of object-oriented programming.

Computer programmers who know C# make an average of $91,000 a year.

How Long Does it Take to Learn Coding

About 3 months

How long it takes you to learn a coding language will largely depend on the route you take to learn the language. Many programs and courses can teach a coding language in 3 months.

But you can also take college courses as a computer science major, and learn several important coding languages in 4 years. Either way, learning a single coding language is going to take you a matter of months to fully learn.

How Do You Become a Computer Programmer?

Another perk of computer programming is that the process to become one is rather uncomplicated.

First, get a bachelor’s degree

The most common bachelor’s degrees for computer programmers are computer science, information technology (IT), or mathematics.

Next, specialize in one or 2 computer languages

Becoming certified in these computer languages will be especially helpful in your career as a computer programmer. Besides your school, there are many places you can go to take courses, training, and testing for certifications. And if you need help paying for the courses you need, you could take out a Check City Personal Loan.

You may need to learn many coding languages throughout your career as a computer programmer, but starting by specializing in one or two is a great way to get your foot in the door. Specialized knowledge in one or two of them might also help make learning other languages easier later on.

How Much Do Computer Programmers Make?

computer programmer salary

Knowing your earning potential can help you know what offers to expect and accept when searching for a job. It can also help you make decisions about which career path to choose.

How Much Do Computer Programmers Make a Year?

According to PayScale computer programmers make around $40,000 to $98,000 per year. Their average yearly salary is around $62,663.

But other places have some things to say about the earnings of computer programmers too. Like the GlassDoor, that says computer programmers’ salaries range between $58,000 to $110,000 a year, with a base average pay of $76,526 a year.

Meanwhile, the salary range for computer programmers according to PayScale is $40,000 to $98,000 a year, with an average yearly salary of $62,663.

With $44,928‬ a year as the average salary for full-time workers in America, computer programmers do rather well for themselves.

How Much Do Computer Programmers Make in a Month?

Computer programmers can make an average of $5,221 per month, according to the average annual salaries mentioned above. But they also have the potential to make up to $9,166 a month.

How Much Do Computer Programmers Make in a Week?

As a computer programmer, if you are being paid hourly instead of a yearly salary, you can expect to make around $21.99 an hour and $879 a week. But according to ZipRecruiter computer programmers can make up to $47 an hour!

Pay by Location

pay by location

Sometimes where you work can impact what kind of pay you can expect. For example, New York makes 25% above the average pay, Los Angeles California makes 2% below, and Houston Texas makes 7% below.

Some of the best paying cities are Seattle Washington ($129,290), Charlottesville Virginia ($112,240), Vallejo California ($112,000), Olympia Washington ($107,890), and Hartford Connecticut ($106,250).

Some of the best paying states are Washington ($126,920), District of Columbia ($105,200), California ($97,470), Arizona ($95,900), and Massachusetts ($95,380).

Pay by Experience Level

pay by experience

Your experience level can also determine how much you get paid each year. Most jobs will pay you more, the more experience you have. Programmers who have only been working for a year or less can make an average of $51,344 a year, with 1 to 4 years of experience they can make $56,731, 5 to 9 years of experience can make around $69,571 a year, 10 to 19 years of experience can make around $77,466, and finally, with 20 or more years of experience, you can make around $84,664 a year.

Related Jobs

related jobs

If computer programming isn’t quite what you were looking for, there are other jobs related to computer programming that might better pique your interest. Some jobs related to computer programming are software developers, database administrators, computer systems administrators, computer and information systems managers, or computer and information research scientists.

Software developers make an average $105,590 a year, make $90,070, make $82,050, computer and information systems managers make $142,530, and computer and information research scientists make $118,370 a year.

There are many jobs to choose from out there and it can be hard to make a decision. But with the right help, you can figure out what you want to do in life with ease.


Sources


US Bureau of Labor Statistics. “Computer and Information Technology/Software Developers,” “Computer and Information Technology/Network and Computer Systems Administrators,” “Computer and Information Technology/Database Administrators,” “Computer and Information Technology/Computer and Information Research Scientists.”

How to Start a Book Club

book club

“A reader lives a thousand lives before he dies . . . The man who never reads lives only one.”

—George R. R. Martin

There are a lot of reasons to create a club. Maybe you just want to socialize more and make new friends. Or maybe you have some reading goals to reach this year. The reason for creating your book club will determine the club’s purpose which then might determine how it’s run.

Step 1: Decide the Purpose of Your Book Club and its Name

For instance, if you are making a book club for purely social reasons, then you might decide on fun books and a meeting place that facilitates chatting and hanging out. But if the purpose of the club is more academic, then you’ll choose heavier books and put more time and effort into creating a group discussion plan.

It is also helpful to put a name to your book club so that you can easily refer to the club using a name. It doesn’t have to be anything too clever. You could simply call it Jane’s Book Club if your name is Jane. Or you could have a brainstorming session with the group and then vote on the most popular name idea.

Step 2: Decide Who You’re Inviting

The ideal number of members in a book club ranges between 8 and 16 members. You want enough people to create interesting group discussions, but not so many people that the group gets out of hand.

If you are unsure about who to invite, then you can simply invite 2 to 3 people and have them each invite their own 2 to 3 people. That way you’ll have a diverse group.

You can also post flyers around your community with the details of your first meeting if you want to gather a completely new group. This can be a great way to meet new people and make new friends. Then you can hold your meetings in public places where everyone can easily meet together regardless of their schedules.

Step 3: Decide on a Meeting Place

When scheduling your book club meet-ups you’ll need to decide on where and when. There are several options available to you for where you and your fellow group members could meet. Where and when you decide will mostly depend on the availability and preferences of your group members.

You could meet online
  • Google Hangouts
  • Facebook Video Calls
  • Skype
  • Online forums
  • Group Messenger
You could meet in person
  • a coffee shop
  • a restaurant where you can eat together and discuss
  • someone’s house
  • the local library

Step 4: Create a Reading List

One of the hard parts of creating a book club is getting everyone to agree on what books to read. It helps if you decide on how reading lists will be determined as soon as possible.

Maybe you, as the leader of the book club, will make all reading list decisions. Or maybe everyone will vote on which books to read at the first meeting. You could also take turns in the group for who gets to pick the next book.

Download a Free PDF Printable for a Yearly Reading List

Your book club might also have a specific purpose, like to read all the books by Dave Ramsey. If that’s the case then your book club’s reading list is already decided!

You could also just read a book about a book club! The Jane Austen Book Club is a New York Times Bestseller written by Karen Joy Fowler and has since become a major motion picture.

Step 5: Make the Schedule

Once you have a reading list it’s time to schedule out your reading assignments and group discussions. Generally, scheduling to read a chapter a week isn’t too difficult of a reading assignment, but this might depend on the book you’re all reading.

Take into account how quickly you want to go through each book, the number of pages in each chapter, and how often you want your group to meet.

It might also help to create a calendar for your group so that everyone is on the same page. You can create a group calendar on google calendars, or you can print one to pass out to everyone.

Download a Free PDF Printable of a Book Club Calendar Template

Step 6: Decide How Everyone is Getting their Books

Will everyone just buy them or will you all use kindle unlimited or used copies? Depending on your group size there may be enough copies at the local library, but this isn’t likely. Most book clubs let everyone be in charge of getting their own books.

You could also do a traveling book idea where you share one copy of the book. Then you can alternate on who buys the book and who the book ends up with at the end. This would be a more inexpensive way to run a book club, but your group discussions would be farther apart.

If you decide to go in together on book costs, you can use a Check City Prepaid Debit Card to consolidate your group’s funds on one card to buy the books. You can also use prepaid debit cards to help your group pay for things like refreshments.

Step 7: Format the Discussions

Whether you’re meeting online or in person, you’ll need to format your group discussions. If you come to group discussions unprepared, or without someone to help lead the discussion, you might end up with lots of awkward silences.

To avoid long silences in your group discussion, come with a list of interesting questions about the section you all just read. You can also send a question or two from this list to everyone before you meet, and have everyone prepare their own answers beforehand. That way everyone has already thought of some things to say.

Another part of formatting the discussions that you don’t want to forget is to create discussion rules or guidelines. If disagreements arise you want to have clear outlines in place dictating what is appropriate and inappropriate behavior in group discussions. These outlines can help keep discussions civil and productive.

Resources for Book Clubs

Need some extra help getting started? You can find all kinds of resources online to help create your book club. Here are just a few book club resources you can use:

Book Club Apps
Book Club Websites
  • BookClubz.com is an online platform that allows you to create and organize your book club.
  • Reddit has subreddits for almost any book, full of great discussion topics you can use in your own group.
  • TapaTalk allows you to create an online community forum.
  • Wikipedia has a long list of book genres that can help you brainstorm reading list ideas.
  • Bookstr can help you find book lists and news all about books.

Book Clubs You Can Join

Scholastic Book Club

Scholastic book clubs can be created by teachers or parents for their kids! They’re easy to set up. You can even follow their how-to videos to help get you started.

All you have to do is create an account, let your kids choose their books, and the Book Box arrives in class! Scholastic books will even help teachers build a classroom library. Scholastic Books is a corporation all about helping kids get excited about reading.

Reese Witherspoon Book Club

Reese Witherspoon has her own book club that you can also join. You can connect to her book club in a number of ways, through Facebook, Instagram, GoodReads, or even Audible.

Reese’s Book Club reads a new book each month, hand-picked by Reese Witherspoon herself. She picks books with great female protagonists, that a gigantic following of people can read together and talk about!

Oprah’s Book Club

Oprah’s book club is one of the biggest, most long-standing book clubs to date. Oprah started her book club in 1996 as part of the Oprah Winfrey Show.

Oprah’s Book Club eventually launched what she called, Oprah’s Book Club 2.0 that now uses social media and e-readers to keep the famous book club going. She also handpicks a new book each month for her book club followers to read.

If you don’t want to go through the hassle of starting a book club then just join a book club that already exists! You might even find a preexisting book club in your local neighborhood.

 

You have so much to gain from creating a book club. You can make new friends, schedule in some much needed socializing, and read some great literature. Book clubs are also a really easy club to put together but will offer you and your fellow members years of fun to come.


Keto Recipes: An Easy Guide for Beginners

Keto Recipes: An Easy Guide for Beginners

The keto diet is becoming ever more popular and it’s easy to see why. Many ordinary people are seeing great results with this high fat and low carb diet.

The National Center for Biotechnology found that out by doing a study to test the effectiveness of the diet over a period of 24 weeks. After their study was over they found that the keto diet can significantly decrease both weight and body mass index.

How Does the Keto Diet Work?

The word “keto” in keto diet, comes from the word “ketogenic.” The diet involves low carbs, proteins, and lots of fats. By eating this way, your body goes into what’s called ketosis, which makes your body switch to burning fats for energy instead of carbohydrates.

The keto diet was originally intended for children with epilepsy. It has also been suggested by doctors for obese patients or patients with type 2 diabetes or who are prediabetic for type 2 diabetes.

People have also found that the keto diet can help with heart disease, cancer, and even acne!

But it’s a pretty strict diet, so finding keto-friendly recipes can be difficult. Luckily, we’re here to help, and we’ll even show you how keto foods can help you save money as well.

Keto Diet Steps

The keto diet is all about no carbs and lots of fats and proteins. But for some, it can be a really different way to eat compared to how they normally eat.

keto diet health

First, learn what you can and can’t have on the keto diet

Here are a few foods you can’t have while on the keto diet:

  • Grains like bread
  • Starchy vegetables like potatoes
  • Sugary fruits like bananas or mangos
  • Sugar
  • Baked goods

And here are a few foods you can have while on the keto diet:

  • Meats
  • Low carb veggies
  • Dairy
  • Nuts
  • Berries
Second, fill up your pantry with the foods you can have

By grocery shopping for what you can eat, and getting rid of the foods you can’t eat, you’ll make eating right a lot easier on yourself. When unhealthy foods are out of sight they are more easily out of mind as well. And if you need help stocking that pantry, you can always take out a small Check City Installment Loan to cover some of your food costs.

Third, build up an arsenal of keto recipes you love

Make your own cookbook full of your favorite keto recipes. Starting a healthier diet can be a fun way to experiment with new recipes that are also better for you.

Download a Free PDF Printable for a Keto Recipe Card.

Fourth, track your progress

Another way to help you stay on the keto diet is to track your progress. If you are able to see the difference eating healthier can make on your body and mind then you’ll be more likely to stick with it.

Download a Free PDF Printable for a Keto Progress Worksheet.

Fifth, create contingency plans

You also want to create a plan for what you’ll do when obstacles arise. One challenge might be when your friends want to go out to eat. Look up the keto-friendly options available at your local restaurants so you know where you can eat.

You might also need to make a contingency plan for when you go to family gatherings. Try talking to your loved ones about your new diet and see if they can provide keto-friendly food options for you. Otherwise, you can always plan on bringing your own food.

Just follow these simple steps to make living the keto diet super easy.

Keto Diet Recipes

If you’re just starting the keto diet, then you might feel lost about some things like what is a chaffle? and what do I make myself for dinner now? Don’t worry though, there are plenty of easy keto recipe ideas to choose from on the internet right now.

Here are some of the most popular keto recipes to get you started:

How the Keto Diet Can Save You Money

Living a healthier lifestyle doesn’t need to be difficult. Especially once you realize the health and financial benefits a healthy diet can provide! Eating healthier can also save you money in the long term!

Here are a few ways eating keto can help you gain money as you lose pounds:

  • You have to stick to your grocery list, so you’re less likely to buy lots of extra goodies.
  • You’ll end up eating out less and cooking at home more.
  • You’ll have more leftovers to provide even more meals throughout the week.
  • You’ll stop buying expensive snacks and junk foods.
  • Healthy produce is less expensive in the long term.
  • You can pack your lunches for work and school instead of eating out every day.
  • Becoming healthier means less medical bills.

If you allow it, living a healthier lifestyle can help you and your wallet feel great. As you work toward physical stability, you can also work toward financial stability! Learning to use the keto diet to maintain better physical and financial health is just one diet example that can benefit your life in more ways than one.


How Much Do Dentists Make?

dentist salary

When picking a profession many people wonder about annual salary, because earning potential might impact which career path you choose.

By knowing how much you can earn in each field, you can better know what jobs best fit your desired lifestyle and have the ability to support yourself and your loved ones. Meanwhile, if you’re in between jobs and need some financial help, feel free to check out Check City’s Payday Loans to help get you through the job hunt.

The Different Kinds of Dental Professions

Dentistry is a great profession to go into if you want great hours along with great pay. There are also many different kinds of dentists so you have many choices within the field of dentistry as well.

All dentists need to have a professional degree, which usually involves going to dental school, though some dental professions require even more schooling. As we go down this list of dentist professions, their amount of required education increases.

Dental Assistant

Dental assistants are like the RNs of the dentistry world. They help out the dentist, perform routine cleanings, take x-rays, keep records, and schedule appointments.

General Dentist

A general dentist is the person you see for your regular annual dental checkup. They primarily focus on preventative care by teaching you how to take good care of your teeth so problems don’t occur in the first place. They’ll perform cleanings, X-rays, fillings, and other basic dental care.

Pediatric Dentist

A pediatric dentist is just like a general dentist except they specialize in treating children. Children come with their own kind of teeth and their own struggles when it comes to doctors, so pediatric dentists are helpful in that they focus on managing children, teaching them in ways they’ll understand, making the experience at the dentist less scary, and caring for their young mouths as they grow from baby teeth to adult teeth.

Orthodontist

If you have braces then you know that orthodontists are the ones you go to for this kind of care. But they don’t just handle braces. They also handle a lot of other issues connected to a misaligned mouth or jaw.

Oral and Maxillofacial Surgeon

Oral and maxillofacial surgeons are the surgeons of the mouth. They focus less on teeth and more on the tissues around the mouth—like gums, cheeks, lips, palates, tongue, and other facial tissues. These are obviously going to be more invasive treatments, so oral and maxillofacial surgeons continue school for a while after completing dental school. Though they focus more on the tissues related to the mouth they do also deal with tooth extractions.

Periodontist

Periodontists are all about your gums. They specialize in taking care of gum-specific problems and treatments. Some examples of the issues that can occur with gums are inflammation, pain, and gum diseases. If you have an issue with your gums specifically, then you might need to see a periodontist.

Prosthodontist

Prosthodontists are the people you go to when you need a tooth replacement. They take care of what’s called oral prosthetics, like false teeth. They are also the doctors you see in advertisements about getting extreme smile makeovers.

Endodontist

Endodontists specialize on the inside of teeth. The inside of your tooth is actually full of soft, sensitive tissue and can suffer its own kinds of damages and ailments that need to be treated by a professional. These are also the dentists that perform root canals.

How Much Do Dentists Make a Year?

infographic dentist salary

In 2018, dentists made an overall median salary of $156,240 per year and $75.12 per hour.

The lowest earning 10% of dentists earned less than $72,840 a year and the highest 10% earned more than $208,000 a year.

According to the Bureau of Labor Statistics (BLS) general dentists make an average of $151,850 a year. According to PayScale, pediatric dentists make an average $178,141 a year, orthodontists make $181,705, oral and maxillofacial surgeons make $243,806, periodontists make $173,939,
prosthodontists make $169,853, endodontists make $201,080, and dental assistants make $34,095.

How Much Do Dentists Make a Month?

monthly income

In 2018, dentists made an average of $13,020 per month

Sometimes it helps to break down yearly salaries into monthly income, especially if you’re currently living month to month. According to the same figures above, general dentists make an average of $12,654 every month, pediatric dentists make $14,845, orthodontist make $15,142, oral and maxillofacial surgeons make $20,317, periodontists make $14,494, prosthodontists make $14,154, endodontists make $16,756, and dental assistants make $2,841 a month.

The BLS found in their most recent population survey that the average full-time worker makes about $3,744 per month or $936 per week. Meanwhile, the average dentist is making around $13,020 per month, putting dentists’ salaries far above the national average.

Dentist Earnings by Location

how much dentists make by location

Some of the highest employment rates for dentists come from California, New York, Texas, Florida, and Illinois.

The pay that dentists can expect can also vary depending on state. Some of the top paying states for dentists are Delaware, Alaska, Rhode Island, Minnesota, and New Hampshire.

Dentists do best in less dense areas because they are more likely to have less competition and therefore more pay and flexibility.

How much do dentists make in California?

California is actually the state with the highest employment level in the U.S. California also ranks in the top 5 for states with the highest number of jobs and locations for dentists. The mean annual wage for dentists working in California is $151,490 per year and $72.83 per hour. Overall, California is a great place to be for a dentist.

How much do dentists make in Texas?

Texas is also a high ranking state in terms of employment level and availability. They offer a mean wage of $185,680 per year and $89.27 per hour, so New York actually beats California when it comes to salary.

How much do dentists make in New York?

New York is also a top contender for the state with the highest dentist employment levels. They feature an annual mean wage of $164,520 and $79.10 per hour. Overall, Texas might beat both California and New York where annual salary is concerned, but you have to consider where you’d like to settle down as well.

How to Become a Dentist

Now that you’ve seen the many benefits of becoming a dentist, you might wonder where to start on your journey to becoming one!

Step 1: Get a bachelor’s degree

It’s most helpful for you to major in a pre-dentistry major if your school provides something like that, or in a science major in order to have the upper hand later in dental school.

Step 2: Take the Dental Admission Test

In a way, dentists have to take their own version of the MCAT, just like aspiring doctors do. It’s called the Dental Acceptance Test and it is administered by the American Dental Association. The test takes 5 hours, and the current average score is 19 out of 30 points.

Step 3: Get a doctorate

Make sure that whatever doctorate you go for will be accredited by the Commission on Dental Accreditation. This way you won’t have any problems getting your license to practice dentistry afterward.

Step 4: Get licensed

To get your dental license you have to take another test. The National Board Dental Examinations are administered by the Joint Commission on National Dental Examination

 

The perks to being a dentist are endless. Along with a great salary and job outlook, you can transform the lives of your patience and alleviate their fears along with their pains.


Sources


US Bureau of Labor Statistics. “Dentists.”

Barclays Personal Loan

The main perk of a Barclays personal loan is that they have absolutely no fees, but their loans are by invitation only. If your credit doesn’t qualify you for an invitation, check out the Check City Personal Loan where everyone is welcome to apply!

Barclays personal loans are offered by invitation only and, according to an announcement in June of 2019, might be phasing out of existence in the near future.

Personal Loans are installment loans paid back over a period of months or years, depending on your loan contract and the amount borrowed. Personal loans are most commonly used to fund major purchases, emergency expenses when you’re caught without an emergency fund, or to consolidate multiple debts into one payment. The loans at Barclays are best used to reduce monthly payments and save money by consolidating debts.

Barclays Personal Loans: A Quick Look

Loan shopping doesn’t have to be complicated. There are a few basic items you’ll need to know and then you can make a decision from there.

Loan Amount: $5,000 to $35,000

Rates: 5.74% to 20.99% APR

Fees: no fees

Terms: 36 to 60 months (3 to 5 years)

Basically, Barclays personal loans are for people with good to excellent credit scores who know how to manage their credit. If you meet these requirements then Barclays will mail you an invitation to apply for one of their loans. You need to have both good credit and a personal invitation from Barclays in order to apply for their personal loans.

Who are Barclays Personal Loans Perfect For?

There are 2 requirements that will determine whether a Barclays personal loan is the best option for you. First, you have to have an excellent credit score and credit history. Second, you have to receive a personal invitation from Barclays. If these 2 items describe you then a Barclays personal loan is a great choice, especially since they offer flexible loan terms with no fees.

PROS

  • Flexible
  • Exclusive
  • No fees
  • Great for debt consolidation

Who Should NOT Get a Barclays Personal Loan?

If you have a credit score that is less than average then you might not qualify for a Barclays personal loan invitation. But don’t feel too bad if you don’t qualify for an invitation. There are other reasons to not choose a Barclays personal loan as well.

CONS

  • By invitation only
  • Not great for borrowers with low credit
  • Takes a few days for funds to drop

An Alternative to Barclays Personal Loans

For those of you who haven’t received an exclusive invitation for one of Barclays personal loans, don’t worry. You aren’t alone and there are still great personal loan options available to you, even if you have low credit. Check City Personal Loans don’t require an invitation. Everyone is welcome to apply regardless of their credit. Check City also offers shorter loan terms so you can get smaller, easier to pay back loans. But these aren’t the only reasons to check out a Check City Personal Loan.

Reasons to Get a Check City Personal Loan:

personal loan review

Check City is a direct lender so you won’t have to deal with third-party go-betweens. Instead, you’ll only apply with and receive funds from Check City.

Check City is a state licensed lender in each state they operate in. So you won’t have to worry about your loan being safe, secure, and authorized.

Check City has an online application that only takes a few minutes to fill out.

Check City doesn’t have credit requirements so even borrowers with low credit scores can still apply.

Check City has no origination fee meaning they won’t charge you a fee just for starting an account with them.

How to Apply for a Check City Personal Loan

To apply for a Check City Personal Loan all you need is a few minutes and a few documents. The process doesn’t take very long and if you visit a Check City store to apply, you can even walk out with your funds in one visit.

What You’ll Need to Apply:

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

Apply Online. Would you rather apply for a loan in person? Check City provides that option too! You can also apply for a Check City Personal Loan over the phone or in the store.

Apply in the Store. By applying inside the Check City store, you can actually walk out with cash in hand in that very same visit!

Or call Check City’s Loans By Phone number: 800-404-0254 to apply with a Check City representative over the phone.

The Check City personal loan was created for everyone. Anyone can apply and get their funds FAST with our simple streamlined loan process. Don’t hesitate to give us a call, pull up our website, or visit your neighborhood’s Check City store to get your money now.

COMPARE SIMILAR PERSONAL LOAN OPTIONS

Check City American Express Citizens Bank Avant Barclays
Amount $300 to $3,000 $3,500 to $40,000 $5,000 to $50,000 $2,000 to $35,000 $5,000 to $35,000
Rates lower APR than our payday loans 6.90% to 19.98% 6.78% to 20.88% 9.95% to 35.99% 5.74% to 20.99%
Fees no origination fees no origination fee, there are late fees no application fee, no annual fee, no late fee no prepayment fee, but there is an administration fee up to 4.75%, a $25 late fee, and a $15 dishonored payment fee no fees
Terms 6 months 12 to 48 months 36 to 84 months 24 to 60 months 36 to 60 months
Min. Credit Score none 660 680 580 excellent credit

Don’t settle for less in a personal loan. Research the personal loan options available to you before making a choice. That way you’ll know you’re getting the best personal loan for you.

*The information found in this article comes from the lenders’ websites and NerdWallet reviews at the time of posting.

Avant Personal Loan

Personal loans from Avant may have less credit requirements, but their loans come with a lot of fees. On the other hand, Check City Personal Loans don’t have any origination fees!

Personal Loans are loans that you pay back through monthly installments for a set period of time outlined in your loan contract. Generally, personal loans can be used for any personal reason. Avant personal loans are most commonly used to consolidate debt, cover emergency costs, or improve your home.

Avant Personal Loans: A Quick Look

When shopping for a loan the first things you’ll want to know are all the basics like loan amounts and APR. Let’s take a quick look into the basics of an Avant personal loan.

Loan Amount: $2,000 to $35,000

Rates: 9.95% to 35.99% APR

Fees: no prepayment fee, but there is a 4.75% administration fee, a $25 late fee, and a $15 dishonored payment fee

Terms: 24 to 60 months (2 to 5 years)

Basically, an Avant personal loan offers some pretty standard loan terms, with the added bonus of allowing lower credit scores to still apply. But Avant does have quite a few fees for administration and late or failed payments.

Who are Avant Personal Loans Perfect For?

There are a couple of reasons why an Avant personal loan might be right for you. Avant personal loans are catered toward borrowers with less than stellar credit. Also, if you want to check their personal loan eligibility you can easily do so on their website without negatively impacting your credit score. The bottom line is that Avant personal loans are perfect for borrowers with low credit scores looking for loan amounts between $2,000 and $35,000.

PROS

  • Fixed payments
  • Quick application
  • No prepayment fee
  • Funds the next business day
  • Low credit borrowers can apply

Who Should NOT Get an Avant Personal Loan?

If you have a credit score that is average or better, then you might want to consider other loan options where you can get an even better interest rate. Avant personal loans are also not ideal for loan customers that frequently make late payments or can’t afford any additional fees.

CONS

  • 4.75% administration fee
  • $25 late fee
  • $15 dishonored payment fee

An Alternative to Avant Personal Loans

Looking for an alternative to Avant personal loans? Then look no further. Check City Personal Loans also allow borrowers with low credit to apply, but unlike Avant personal loans, Check City doesn’t have any origination fees. Check City also offers shorter loan terms so you can get smaller, easier to pay back loans. But these aren’t the only reasons to check out a Check City Personal Loan.

Reasons to Get a Check City Personal Loan:

personal loan review

Direct Lender. Check City is a direct lender, meaning they don’t just connect you to lenders, they are the lender.

State Licensed Lender. Check City is a licensed lender in each state they operate in. That way you’ll always know your Check City loan is secure.

Fast Online Application. Check City loan applications only take a few minutes to fill out. All you need is a couple of minutes!

No Origination Fee. Check City won’t charge you just for starting an account.

FAST FUNDS. Visit a Check City store to apply and you can walk away with your cash in hand today!

How to Apply for a Check City Personal Loan

The loan application process at Check City doesn’t take very long. All you need is a few short minutes and some documents to complete your application and move on to getting your loan funds.

What You’ll Need to Apply:

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

APPLY ONLINE. Would you rather apply for a loan in person? Check City provides that option too! You can also apply for a Check City Personal Loan over the phone or in the store.

APPLY IN THE STORE. By applying inside the Check City store, you can actually walk out with cash in hand in that very same visit!

Or call Check City’s LOANS BY PHONE NUMBER: 800-404-0254 to speak with a Check City representative and apply over the phone.

The Check City personal loan was created for everyone. Anyone can apply and get their funds FAST with our simple streamlined loan process. Don’t hesitate to give us a call, pull up our website, or visit your neighborhood’s Check City store to get your money now.

COMPARE SIMILAR PERSONAL LOAN OPTIONS

Check City Discover PNC Bank US Bank Avant
Amount $300 to $3,000 $2,500 to $35,000 $1,000 to $35,000 $3,000 to $25,000 $2,000 to $35,000
Rates lower APR than our payday loans 6.99% to 24.99% 5.99% to 25.99% 6.49% to 17.99% 9.95% to 35.99%
Fees no origination fees no origination fees, no closing costs no origination fee, no prepayment fee, no application fee, but there are late fees no origination fee, but there is a prepayment penalty no prepayment fee, but there is a 4.75% administration fee, a $25 late fee, and a $15 dishonored payment fee
Terms 6 months 36 to 84 months 36 months 12 to 60 months 24 to 60 months
Min. Credit Score none 660 high credit score n/a 580

Don’t settle for less in a personal loan. Research the personal loan options available to you before making a choice. That way you’ll know you’re getting the best personal loan for you.

*The information found in this article comes from the lenders’ websites and NerdWallet reviews at the time of posting.

US Bank Personal Loan

US Bank personal loans have fixed rates and autopay discounts, but borrowers need to be US Bank members to apply. If you aren’t already a US Bank member, then check out the Check City Personal Loan where no membership is required to get all their loan benefits!

US Bank personal loans are referred to as their “Premier Loan.” You can use a US Bank personal loan to reach your financial goals, or make your personal finances a little simpler. They are used for consolidating debt, financing vacations, weddings, new appliances, car payments, home improvements, and many other major purchases. They’re a great loan option for anyone who already has a US Bank account.

US Bank Personal Loans: A Quick Look

All loan options come with their own rates, terms, and conditions. Consider these basic numbers and compare them in order to find your best loan option. US Bank offers loan amounts between $3,000 to $25,000 with APRs as low as 6.49% for borrowers with good credit.

Loan Amount: $3,000 to $25,000

Rates: 6.49% to 17.99% APR

Fees: no origination fee, but there is a prepayment penalty

Terms: 12 to 60 months (1 to 5 years)

Basically, a personal loan from US Bank is going to offer you low-interest rates and the potential to pay off your loan in a year. You also won’t need to put up collateral in order to get a personal loan from US Bank. But if you aren’t interested in becoming a US Bank member, then this might not be the best loan fit for you.

Who are US Bank Personal Loans Perfect For?

US Bank personal loans are going to be great for some borrowers, but not ideal for others. That’s why comparing loans is a good way to decide which loan is best for you. US Bank personal loans are best for loan shoppers who already have an account at US Bank or who would like to sign up for one. This is because their personal loans are only offered to existing bank members.

PROS

  • Fixed APR
  • Fixed monthly payments
  • No origination fee
  • Doesn’t require collateral

Who Should NOT Get a US Bank Personal Loan?

If you aren’t a US Bank member and you don’t plan on becoming one, then you’ll want to look elsewhere for a personal loan. You might also want to consider a different loan option if you want to pay off your loan in less than a year, since US Bank has prepayment penalty fees.

CONS

  • Prepayment penalty
  • Need to be a US Bank member
  • Smallest loan amount is $3,000

An Alternative to US Bank Personal Loans

Need an alternative to the US Bank personal loan? Well, you’ve come to the right place. With a Check City Personal Loan, you don’t have to meet any membership requirements before you can apply. Check City also offers smaller loan amounts and shorter loan terms for customers that need quick cash now. So if a US Bank personal loan isn’t the right loan for you, check out the Check City Personal Loan. It might be just what you’re looking for in a loan.

Reasons to Get a Check City Personal Loan:

US Bank personal loan review

Direct Lender. Check City is a direct lender, meaning they are the loan provider.

State Licensed Lender. Check City is a licensed lender in each state they operate in.

Fast Online Application. Check City loan applications only take a few minutes to fill out.

No Minimum Credit Requirements. Borrowers with low credit scores can still apply.

No Origination Fee. Check City won’t charge you just for starting an account.

FAST FUNDS. Visit a Check City store to apply and you can walk away with your cash today!

Shorter Loan Terms and Smaller Loan Amounts. Not everyone needs a giant loan that takes years to pay off. At Check City, you can get smaller loan amounts that are easier and faster to pay off.

How to Apply for a Check City Personal Loan

Check City has streamlined the loan application process. A personal loan application at Check City only requires a few minutes and a few items to finish the process.

What You’ll Need to Apply:

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

Apply Online. Would you rather apply for a loan in person? Check City provides that option too! You can also apply for a Check City Personal Loan over the phone or in the store.

Apply in the Store. By applying inside the Check City store, you can actually walk out with cash in hand in that very same visit!

Or call Check City’s Loans By Phone number: 800-404-0254 to apply with a Check City representative over the phone.

The Check City personal loan was created for everyone. Anyone can apply and get their funds FAST with our simple streamlined loan process. Don’t hesitate to give us a call, pull up our website, or visit your neighborhood’s Check City store to get your money now.

COMPARE SIMILAR PERSONAL LOAN OPTIONS

Check City Discover PNC Bank Sallie Mae US Bank
Amount $300 to $3,000 $2,500 to $35,000 $1,000 to $35,000 $3,000 to $35,000 $3,000 to $25,000
Rates lower APR than our payday loans 6.99% to 24.99% 5.99% to 25.99% 6.99% to 24.99% 6.49% to 17.99%
Fees no origination fees no origination fees, no closing costs no origination fee, no prepayment fee, no application fee, but there are late fees no origination fee and no prepayment penalty fee, but there are late fees no origination fee, but there is a prepayment penalty
Terms 6 months 36 to 84 months 36 months 36 to 60 months 12 to 60 months
Min. Credit Score none 660 high credit score n/a n/a

Don’t settle for less in a personal loan. Research the personal loan options available to you before making a choice. That way you’ll know you’re getting the best personal loan for you.

*The information found in this article comes from the lenders’ websites and NerdWallet reviews at the time of posting.

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