Chat
Loans By Phone: (800) 404-0254

Ways to Save Money with Low Waste Living

Ways to Save Money with Low Waste Living

Not only are there major health and environmental benefits to living a more low-waste lifestyle, but there are monetary benefits to take advantage of as well.

Taking care of our planet is important for many reasons. For example, air pollution has been linked to increases in cases of asthma. Even prenatal exposure to air pollution can increase the child’s risk of developing childhood wheezing and asthma.

Likewise, the benefits of recycling and lowering our wastes are great. It can help our environment, our health, conserve our natural resources, and provide more economic security.

Explore this Article

But one major benefit to recycling and living a more low waste lifestyle is that it’s also a way to save money in the long run. Instead of buying single-use items once or twice a month, replace these costs with higher quality products that can last you a number of years. And if you need help paying for these higher qualify single-purchase items, you can always take out a Check City Personal Loan to get you started on your low waste journey.

There are everyday expenses that you can reduce or eliminate entirely just by using a few low-waste living tips.

What is Recycling?

In 2017, the US generated over 260 million tons of waste. We recycled about 67 million tons and composted about 27 million tons.

In waste management, there are 2 types of waste disposal—the conventional method, recycling, and composting.

Recycling is a method of waste disposal that takes waste and makes it into other things. Instead of throwing things away, they are used to create new products. Recycling allows materials to continue to have use rather than piling up in landfills.

What is Composting?

Composting is the process used to turn organic waste, like food scraps, into usable compost, which can then be used as fertilizer. Composting gathers organic waste together and lets it decompose until it creates a soil conditioner (fertilizer) that is very rich in nutrients. You can then use this for soil as fertilizer to help plants grow better.

Composting is a great thing to do at home for your garden, flower bed, or herb garden. It is just another way you can help your household become more self-sufficient and help your plants and flowers grow more abundantly.

What is Greenwashing?

If you want to do your part to help the environment and your local community thrive then you’ll want to be aware of greenwashing.

Greenwashing is an advertising method meant to make products look organic or ecofriendly when in reality they aren’t. If a product or company’s ecofriendly claims are really true then they’ll usually tell you all about it—providing evidence, certificates, and details.

If their claims are vague or unspecific, then most likely they are greenwashing their product in the hopes it will help it sell better. When making purchases do your research and don’t be duped by false or shady advertising.

What is Low Waste Living?

Being environmentally minded comes in all kinds of ranges. You can strive to live the zero waste lifestyle or you can simply try and live a more low waste lifestyle. Either way can save you hundreds of dollars every year.

Low Waste Living is when you attempt to make less waste, be more self-sufficient, and buy products that are quality and long lasting rather than single use products you’ll have to buy over and over again.

All the Ways to Save Money Living Low Waste

You might think of low waste living as something crazy and intense people do or something you need to be really committed to in order to pull off. But there are actually plenty of really simple ways to make less waste and save yourself a ton of money along the way.

There are lots of frequent, recurring costs you could replace for a single purchase to you’re your monthly spending and use that money elsewhere. You just have to know what can be replaced.

1. Plastic Water Bottles

Save $100.00

Filtered water is just better, and many of us don’t live in areas with great tap water. But we need to drink lots of water every day and the cost of water bottles can really get out of hand. Instead you can buy a water filter pitcher, a really nice water filtration dispenser, or a really nice stainless steel faucet water filter so you don’t have to spend so much money on water bottles ever again.

2. Shop in Bulk

Save up to 83%

You can save a lot of money when you buy in bulk. Find the local stores near you that sell in bulk like Sam’s Club, Costco, and whole food stores where you can get basic foods from barrels.

The key with buying in bulk is that you save big on the price per unit and you buy amounts that can stock up your home and last a lot longer, which saves you gas money and time spent at the store. Some experts estimate that you can save up to 83% on your grocery bill by buying in bulk.

3. Make Homemade Cleaning Products

Save $600

We want to keep our homes clean and sanitized but the products we need to do so can get really expensive. Instead, you can just make your own homemade cleaning products with these simple homemade cleaning product recipes. You can also buy your favorite squirt bottles to reuse over and over again as well.

4. Reusable Grocery Bags

Save 10 cents per bag

Plastic bags are still free at most grocery stores but this might not always be the case. Many states have already begun banning single-use plastic bags at grocery and retail stores or created minimum 10 cent charges if you want to use plastic bags.

Save yourself the hassle by getting your own awesome reusable grocery shopping bags now that you can keep in your car and use at the grocery store instead of plastic bags.

You can also buy some tote bags to use when you make retail purchases at other stores, so that you can avoid the hassle of plastic bags there as well.

Getting your own shopping bags is also helpful because they won’t rip at the bottom and spill your items everywhere, they won’t squish your items together in small plastic bags, and they can even keep your food cold on the trip home. You can even get specific produce bags with some online shopping.

5. Reusable Straws

Using reusable straws instead of single-use plastic straws can be one of the easiest, and funnest ways to go green. Reusable straws come in all kinds of shapes and colors, and can even come in compact containers that fit on your keychain.

6. Bring Your Own Water Bottle

Water bottles also come in all kinds of creative shapes, sizes, and colors. They can also come with unique functionalities. Instead of using the flimsy paper and plastic cups at restaurants you can use your own bottle instead! This will also keep your drink cold or hot longer and be more comfortable to hold in your hand or travel with you when you leave.

7. Install a Bidet

Save up to $120

The average American spends up to $120 each year on toilet paper alone. While you can’t really get rid of this cost, you can reduce the need by installing a bidet in your bathroom. You’ll save on toilet paper and actually be a cleaner and more hygienic person as well.

8. Start a Compost Bin

A compost bin can be a great way to put all your organic waste to better use. Your compost bin just needs 3 ingredients to function:

  1. Browns: like dead leaves, branches, twigs
  2. Greens: like grass, vegetable scraps, fruit scraps, coffee grounds
  3. Water

When you make your own compost you won’t need to spend money on chemical fertilizers and your garden will grow fuller and healthier. So a compost bin can save you money on gardening supplies and on groceries depending on what you decide to grow!

9. Plant a Garden

Save up to $600

Planting your own garden can both save and make you money. By planting your own herbs, vegetables, legumes, and even fruits you can save up to $600 on food costs each year. You could also make extra money each year by selling the produce from your garden at your local farmers market, or to your friends and neighbors.

10. Raise Chickens

Save up to $400

You can take your little farm one step further by getting a few farm animals of your own. Chickens are a good example for beginners and they can save you on the cost of eggs each year. You could even make money selling chicks to other households that would like to start raising their own chickens as well.

11. Make Your Own Clothes

Save up to $1,800

New clothes can be so expensive and with the rise of fast fashion many clothing brands don’t even provide quality clothes anymore. But you can take your wardrobe into your own hands by learning how to sew your own clothes!

12. Replace Paper Towels with Dish Rags

Save over $200

Paper towels can be nice and convenient but they might also be taking up more of your budget than you realize. Instead of spending extra money each month on the convenience of paper towels, buy a couple of kitchen towels for cleaning and wiping your hands.

13. Replace Paper Napkins with Cloth Napkins

Save over $200

You can also replace the paper napkins in your house with cloth napkins instead! Now your set table will look nicer and your family and guests will feel pampered and fancy when they come over for dinner.

14. Use handkerchiefs instead of tissues

Save up to $100

For instance, a pack of 4 flat box Kleenex costs about $6 while a pack of 6 basic handkerchiefs can cost $5.00 and last you for years to come. Meanwhile, tissue boxes only last a little while before you need to purchase them all over again.

So instead of buying box after box of tissues every year, just get yourself some nice handkerchiefs instead!

Replacing frequent costs with a single purchase is always the better choice. And handkerchiefs are going to be nicer on your nose, not chaff and dry out your nose the way paper tissues do. They’re also more useful because you can use them as a cloth too! If you need to wipe away some perspiration or wipe your hands throughout the day or anything.

15. Make Foods from Scratch

Save up to $4,109

Learn to make homemade things from scratch instead of instant and boxed foods. For example, two homemade pizza can cost as little as $3.25, while 2 pizzas from a pizza place can easily cost you over $20.

You can also learn to do your own canning and make preservatives. There are many things you can make yourself for less than half the cost it takes to buy it from the store. Here’s a short list of some other things you could learn to make from scratch instead of buying it in stores:

  • chicken or vegetable stock
  • peanut butter
  • macaroni and cheese
  • granola
  • baby food
  • spaghetti sauce
  • lunch meat
  • pizza
  • bread
16. Eat More Like a Vegetarian/Vegan

Save up to $700

You don’t have to commit to a vegetarian or vegan lifestyle to take advantage of vegetarian and vegan meals. These meals can be tasty, full of nutrients, and cheaper than recipes that use lots of meats and dairy products.

17. Recycle

Make some spare change!

Get recycling bins for your home and start recycling! You can actually make money recycling certain items at your local recycling facility.

18. Don’t Waste Freezer Foods

You can create a lot of waste and waste a lot of food by not utilizing your freezer enough. Make foods last longer by storing them correctly in the freezer. You can even create a food expiration calendar for your fridge to help you keep track when you need to eat certain foods.

food storage expiration date calendars

There are also a surprising number of things you can make with overripe foods, like banana bread. So always check before you toss things whether you can give it a second life somehow.

19. Buy Used Instead of New

Not only does buying used items help recycle things and maintain the environment, but buying used can also save you a lot of money as well! If you need new furniture, you can find great deals on beautiful pieces at antique shops and on the Facebook Marketplace.

20. Support Local Farmers

By shopping at the local farmer’s market for food items instead of big chain grocery stores, you can support your local farmers, reduce consumption, and save money on cheaper and fresher produce.

21. Don’t Waste on Basic Bills

Save up to $2,060

Overdoing it on utilities can put a strain on the environment and your wallet. So take measures to reduce the use of your utilities like heating, cooling, electricity, and water.

For example, you could save your AC by opening windows to keep things cool instead. You could also make some homemade dry shampoo so you don’t have to wash your hair so frequently and conserve water that way. This will also help your shampoo last longer for when you do wash your hair. You could also put less use on your drier by hanging things up to dry instead.

22. Find a Local Tailor

Sometimes we get rid of clothes when they could be fixed! Find a local tailor and have them fix up your old clothes, pants, shoes, or even hats so you don’t have to replace them as often. You’ll also be supporting local businesses which is always a good thing.

23. Replace Plastic Loofahs

Save up to $120

Instead of rebuying plastic loofas over and over again throughout the course of your life find a more permanent solution. You can find bath brushes in all kinds of shapes and brush types and they’ll actually help exfoliate and clean you better than a loofah anyway.

24. Rechargeable Batteries

Save up to $20

Not many things still use batteries but our need for batteries is far from over. But instead of rebuying batteries every time they die, just buy a pack of rechargeable batteries that you can use for life! That way you won’t be throwing away harmful batteries all the time, and you won’t have to buy them all the time either.

25. Make Reusable Gift Bags

Save up to $240

We spend so much on wrapping paper each year for birthdays and holidays. It’s fun to give gifts and being able to open the gift is one of the best parts! But you can keep the surprise while getting rid of wrapping paper costs by crafting together some reusable gift bags or clothes of your own.

26. Ditch Sponges for Brushes

Save up to $40

Sponges are important for helping you wash dishes, but they can get gross and need replacing really fast. Ditch the cost of sponges all together by buying dish brushes instead.

27. Use Public Transit, Walk, or Bike

Save up to $2,000

The average American spends over $2,000 a year on gas. That’s a lot of money that could be going to other parts of your budget. By taking the bus, using a bike, or walking you can greatly reduce this cost and reduce your emissions.

How To Live a Low Waste Lifestyle

The above list doesn’t list all the things you can do to cut down on waste and costs, but just with the tips above you can potentially save up to $13,000 a year by becoming more self-sufficient and replacing single-use purchases with single-purchase items you only have to buy once.

What will you do with all this extra money? You could put it all into a savings account, a checking account, use it to help reach your savings goals, or pay off credit cards, or start an emergency fund. Start saving money today and make your future brighter and more waste free.

These are a lot of really helpful ideas, but most of them boil down to a few key tactics to living a more low waste lifestyle.

  1. Make things from scratch
  2. Be self-sufficient
  3. Support local businesses
  4. Choose quality over anything else

Now all you have to do is create your own master plan of attack for living the low-waste way and watch how much your budget grows with all those savings!


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, database administrators make $90,070, computer systems administrators 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.


Amazon Deal of the Day

amazon daily deals

We often depend on sales to get the things we need for a more manageable price. But what happens when you don’t have the funds when the sales hit?

You apply for a Check City Payday Loan to get the funds you need now, so you can take advantage of sales today. You can also find sales every day of the week with Amazon’s Daily Deals!

Take a look at Amazon’s Deals of the Day by visiting the Today’s Deals tab when you go on Amazon. There you will find unique deals every single day of the week.

*The prices shown below are the sale prices listed at the time of posting.

All-In-One Baby Lounger

Amazon prime deals

Current Sale Price: $136.91
Originally: $175.00
You Save: $38.09 (22% off!)

For all the new babies arriving this year, get the all-in-one baby lounger from Dock A Tot! This baby lounger has endless uses, like cosleeping and tummy time. It’s the perfect lounger to keep your baby safe and comfortable.

Women’s Waterproof Ski Jacket

Amazon deal of the day

Current Sale Price: $55.24
Originally: $64.99
You Save: $9.75 (15% off!)

For those of us braving the cold this winter, a stylish winter jacket! It’s even waterproof with a windbreaker to keep you as dry and warm as possible while you brave the elements.

Apple Watch Bands

Amazon lightning deals

Current Sale Price: $8.49 to $12.99
Originally: $49.99
You Can Save Up To $41.50!

Need a new strap for your Apple watch? Idon has packs of 3, with beautiful color palettes to choose from. They’re made of a soft, silicone material so you can easily wear them while doing any kind of sport or activity.

Kitchen Cleaning Drillbrush

Amazon wear house deals

Current Sale Price: $10.16
Originally: $18.95
You Save: $8.79 (46% off!)

For anyone starting spring cleaning early, get yourself a cleaning drill brush to really get the grime out of your house. This drill brush comes with 3 attachments so you can get all kinds of forgotten corners and crevices.

Shop Amazon Warehouse

Amazon warehouse deals

Where you can shop by any category for great, quality deals!

At Amazon’s warehouse, you can shop for used and refurbished products for yourself, for the home, or for the family. They have computers and tablets on sale, kitchen appliances, Amazon devices, video games and video game accessories, and so much more!


Cheap Weekend Getaways on a Budget

Weekend Getaways on a Budget

Sometimes a long vacation far away can actually be more exhausting than relaxing.

That’s why a weekend trip somewhere near you can actually be more rejuvenating.

Not only that but weekend trips are less expensive, you don’t have to take time off, and it can be just what you need to prevent burnout and keep your energies and spirits up.

The Best Weekend Getaways

The best weekend getaways cater to your personal preferences and desires so you can get the most out of your short trip.

Some people are looking for weekend getaways near me, where they can be close to home but still take a break from their lives. Others are looking for cheap weekend getaways, so they can enjoy a vacation without spending too much. Then there are people looking for group weekend getaways or the best weekend getaways for couples.

Different people look for different things in a vacation. Some people are history buffs and want to see some historical sites and go on tours. Others will want to go where there is lively music, or botanical gardens where they can walk and be with nature.

Other people have specific requirements for their vacation. If you have kids you might need a family-friendly option, or if you’re a couple you might want something more romantic.
Start asking yourself what kind of vacationer you are before you get started on any solid plans.

Take a moment to sit down and write a list of things you must have in a weekend getaway. This can help you decide the key elements of your weekend trip budget.

Make a Budget

weekend trip costs

The more days you stay away the more your trip will cost.

Which is why weekend trips are so great! You can vacation without breaking the bank simply by leaving for fewer days.

According to Budget Your Trip the average daily cost of a vacation for just one person comes to about $224. This means that a 2 day vacation would cost $448, a 3 day vacation would cost $672, and a longer 4 day vacation would cost $896.

But you can save even more on a weekend getaway by cutting areas of your budget and making smart, money-saving choices.

Download a Free Printable PDF for a Weekend Getaway Budget.

weekend trip budget

A vacation budget usually includes at least 4 categories.

Transportation, lodging, food, and entertainment.

According to ValuePenguin the average cost of transportation for 4 nights is $224, lodgings are $150, food is $155, and entertainment is $52. A 4 night trip, from Friday to Monday, can cost a total of $581.

These 4 budget sections are what you’ll need to figure out before going on vacation. Though there may be other things to consider depending on your personal preferences. For example, you might want to add a souvenir budget or create separate budgets for each person going on the trip.

Transportation

transportation

As with any trip, you’ll need to figure out what transportation you’ll use, how much it will cost, and how you can save in this category.

The farther from home you go the more expensive transportation costs are going to be. This doesn’t mean you can’t go far away for your weekend trip, it just means transportation will take up a larger portion of your budget if you do. You might have to make sacrifices in other areas of your budget, like which hotel you stay at if you want to go somewhere farther away.

Since it’s just a weekend trip, longer trips will also take up more of the little time you have to get away that weekend. But if you go somewhere close by, then you’ll have even more time to enjoy your destination. Try going on a road trip instead of flying since driving is generally cheaper than plane tickets.

You should also try and book accommodations that aren’t too far away from everything. That way you can easily walk, ride bikes, or use trails like the boardwalk or river walk to get wherever you want to go while on vacation.

Lodging

lodgings

If you book your accommodations well in advance then you are more likely to snag some deals.

If you want to get in the habit of taking weekend trips, then try getting into the habit of researching prices every so often. That way you’ll see when prices go up and down.

You can also save on lodgings by choosing Airbnbs, hostels, or campgrounds to stay at instead of expensive hotels. If you go on trips very often, then investing in a trailer or some quality camping gear could actually save you money in the long term.

Food

food

Eating out can easily become the most expensive part of a vacation. But you can save tons of money on food by packing your own meals and snacks.

No matter where you end up staying you can always bring your own food. If you’re going camping you can pack food bags and coolers full of nonperishable foods. If you’re going to a hotel or Airbnb you can find one with a kitchenette so you can make your own meals instead of spending tons of money eating out.

But remember to keep item number 1 in mind! Maybe eating out while traveling is a big part of a vacation for you. If this is the case, then just calculate restaurant expenses into your weekend getaway budget.

Entertainment

entertainment

There’s nothing more disappointing than coming back from a trip where you didn’t have time for everything you wanted to do.

You don’t want your weekend trip to feel like a waste of time. There might be specific things you want to do to entertain yourself while on vacation, like see a movie, go to a specific restaurant, see a show, go on a guided tour, or visit the zoo.

Create a vacation schedule for yourself so you don’t miss out on anything or unexpectedly spend money on tickets for something once you get there. By creating a schedule for entertainment ahead of time, you’ll know how you’re spending your weekend and how much each activity will cost. That way you can include your fun in your budget and not feel bad later for spending more than you thought you would.

Entertainment can also be the most flexible part of your budget and an easy place to cut costs. Maybe instead of paying for an expensive tour you pick up a cheaper tour guide booklet and see the sites yourself. Or maybe you can find free things to do like go to a public beach or nature park.

Download a Free Printable for a Weekend Getaway Schedule.

More Weekend Vacation Budget Tips

weekend getaway tips and tricks

Now that you know how to save on your 4 key weekend budget categories, let’s go over some other ways to trim your weekend budget.

1. Split the Costs

One great way to get the most out of a weekend vacation while still saving money is to bring a group of people and split the cost. By renting a cabin with a bunch of friends or family members, you can stay at a really nice place for a much more reasonable price.

Transportation costs can also be alleviated by inviting friends to tag along and help pay for gas.

2. Pack Light

Packing light will not only make your life easier, but it can save you in the long run. By not packing too much you won’t lose as many items in the hustle and bustle of traveling.

You also won’t have to pay extra traveling fees for having tons of luggage.

3. Don’t Spend Money Once You’re There

If you plan carefully and bring your own things, you can get away with not spending money once you reach your destination. Eat your own food and bring your own entertainment.

There are plenty of things you can do for free on vacation, like outdoor activities or going to state parks. You might actually enjoy just reading a good book by the poolside instead of filling your weekend with expensive and busy activities.

4. Look for All-Inclusive Options

Some resorts and cruises can be all-inclusive, meaning that you pay for your stay and they provide everything else. All-inclusive trips can also give you the best deal since one payment will pay for all categories of your budget. All you have to worry about is showing up.

5. Put Vacations in Your Budget Now

Planning ahead will always save you more, and that includes planning for your vacations now. Put away a little money each month into a fund just for trips. Then once you have enough to cover your vacation budget you can go, relax, have fun, and not worry about the money your spending because you saved it all up specifically for this.

6. Use a Prepaid Debit Card

Have trouble budgeting your spending once you’re there? Just get a Prepaid Debit Card and use that for spending on vacation. With a prepaid debit card, you won’t be able to go over budget and can protect yourself from your own money spending habits.

7. Long Weekends

Plan to go on vacation during a long weekend. That way you don’t have to use paid time off, and you can get an extra day or two of relaxation and fun into your weekend. Having a long weekend to look forward to can also make work more bearable, and give you a time frame for saving up.

8. Most Popular Weekend Getaway Locations

If you want to travel somewhere really popular, you definitely want to look for deals. You can use websites like kayak, travelocity, trivago, or airbnb to find deals on transportation, lodgings, and fun times. You can also use sites like the Crazy Tourist to see reviews about popular places and help you decide where to go and what to see on your trip.

Here are some examples of how you can use these sites to your advantage.

Getaways in San Diego

Trips to Santa Barbara

San Antonio Vacation Packages from $658

Las Vegas Weekend Break Hotels

15 Best Romantic (Weekend) Getaways in Rhode Island

New York City Weekend Breaks

Best Weekend Deals Los Angeles

San Francisco Cheap Vacations


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.


BB&T Personal Loan (2020 Review)

BB&T Bank has lots of loan options, but you need a credit score of 660 or higher to qualify. If you can’t qualify for a BB&T loan, then find a Check City Location near you where you can take out a Personal Loan today!

BB&T Bank and SunTrust Bank are combining to create Truist Financial Corporation. The two banks are still operating separately as the transition continues, so you can still visit BB&T Bank’s website and use their financial services.

BB&T Personal Loans: a Quick Look

BB&T Bank offers personal loans that can help consolidate debts, update your house, make a large purchase, or even finance a boat. But they are in the middle of a merger right now, and their rates depend on many factors. They have auto loans, unsecured loans, lines of credit, debt consolidation loans, boat and marine lending, recreational loans, and home equity loans.

Loan Amount: $3,500 to $50,000

Rates: 8.00% to 18.00% APR

Fees: some fees

Term: 12 to 36 months

Basically, BB&T Bank is a great place to go if you already have a history with them and want to keep your financial business in the same hands. They are also good loans for borrowers that live in the east coast states where they operate, so that they can visit BB&T Bank’s physical locations.

Who are BB&T Personal Loans Perfect For?

Generally, getting a loan with your bank is a good idea. If you already have accounts with BB&T or its affiliates, then it might be a good idea to stick with your bank when applying for a loan. BB&T Bank also has its own qualifications that all loan applicants need to meet. If you meet these requirements then BB&T personal loans are a worthwhile option to look into.

PROS

  • Competitive rates
  • Quick approvals
  • Many loan type options

Who Should NOT Get a BB&T Personal Loan?

The personal loans from BB&T Bank come with a few requirements that might make it hard for some people to qualify for their loans. You might be one of these people if you have a high debt-to-income ratio of 40% or more. Your application is also subject to credit approval and they’ll want to look at your loan-to-value ratios as well.

CONS

  • Need a credit score of 660 or higher
  • Need a low debt-to-income ratio, lower than 40%
  • Varied rates
  • Their a company in transition
  • You need a good loan-to-value ratio
  • There are some annual fees for some states

An Alternative to BB&T Personal Loans

Now that you’ve learned a bit more about BB&T personal loans, you might realize it isn’t a good loan fit for you. But that’s ok! You can still find your perfect loan today by looking into a Check City Personal Loan.

Reasons to Get a Check City Personal Loan

personal loan review

Direct Lender

Being a direct lender means Check City loans are as straightforward as they can be. You fill out your loan application with Check City and Check City is the one giving you the funds upon approval. You won’t deal with confusing third-parties here.

State Licensed Lender

Check City is a state licensed lender in all the states they operate in. This means you don’t have to worry about your loan being “up to code” when you take out a loan at Check City.

Easy Online Application

With just a few spare minutes you can easily fill out a loan application online. Check City has worked hard to make the application process as quick and simple as possible.

No Origination Fee

An origination fee is what a financial institution charges a customer for opening an account. Check City won’t charge you a fee just for starting an account with them.

Fast Loans

Fast loans are usually characterized by loans you can get the same day, or within a small number of business days. At Check City, you can get your money fast so you can move on with your business.

How to Apply for a Check City Personal Loan

Interested in a Check City Personal Loan? It’s easy to apply and easy to get approved. All you have to do is gather a few required documents, and choose the way you’d like to apply for your loan.

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.

Complete a fast, simple, and straightforward loan application without having to leave your house.

Apply in the Store.

At Check City, you can fill out a loan application and receive your loan funds all in one visit.

Apply Over the Phone

Just call Check City’s Loans By Phone number: 800-404-0254 to apply with a Check City representative over the phone or if you need any other kind of help with your loan or application.

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 Citibank Citizens Bank TD Bank BB&T
Amount $300 to $3,000 $2,000 to $50,000 $5,000 to $50,000 $2,000 to $50,000 $3,500 to $50,000
Rates lower APR than our payday loans 7.99% to 23.99% 6.78% to 20.88% 6.99% to 18.99% 8.00% to 18.00%
Fees no origination fees no origination fees no application fee, no annual fee, no late fee no origination or application fees some fees
Terms 6 months 12 to 60 months 36 to 84 months 12 to 60 months 12 to 36 months
Min. Credit Score none high credit score 680 660 660


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.


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.


NEED QUICK CASH?

start your application

* Required Field

 

  • HACKER SAFE certified sites prevent over 99.9% of hacker crime.
  • Cashwise
  • RLS
  • Check City BBB Business Review
  • CFSA
  • UCLA

Apply Now Or Call 1-800-404-0254

Find A Location | Contact Us | Wireless Policy | Terms of Use | Privacy Policy | © 2004-2020 Check City Online. All Rights Reserved.