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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.


(Shopping Guide) Valentine’s Day

valentine's day shopping

Valentine’s Day occurs every year on February 14th.

Valentine’s day has been around for a very long time, though how it all got started is less known. Regardless of how Valentine’s day all began, it’s a holiday full of love and appreciation for those who are most important to us.

Explore this Article

Valentine’s Day History

The origins of Valentine’s Day are shrouded in long forgotten legends and stories. It either began as the anniversary of Saint Valentine’s death or as a Christian adaption of an old Pagan holiday.

Saint Valentine was a priest during the era of Rome. It is said that the Roman emperor banned marriage for young men because he needed soldiers. But Saint Valentine continued to perform weddings in secret for young lovers. When his defiance was found out, he was killed.

Other legends say he was killed because he was helping Christian refugees escape Roman imprisonment. While imprisoned it’s said he fell in love and sent love letters from prison signed, “from your Valentine.” Now we use the name “Valentine” to refer to someone we care about or love dearly.

But Valentine’s Day could also have Pagan origins from the festival of Lupercalia. This Pagan festival was celebrated on February 15th. It was a fertility festival dedicated to Faunus, the Roman god of agriculture, and Romulus and Remus. As they did with many pagan holidays, the Catholic church made their own holiday during the Pagan festival of Lupercalia.

Whatever the true story is, the idea of valentine’s day is that it’s a day of romance, confessions, and affirmations.

valentines day gift

There are many ways to celebrate Valentine’s Day. It’s a holiday that can be whatever you want it to be!

You can celebrate Valentine’s Day by practicing some self-love, buying yourself something you want, having a relaxing day at home, or going out with friends. It can also be spent with a special someone on a nice Valentine’s Day date, or with friends and family that you care about.

However you choose to spend your Valentine’s Day, there might be Valentine’s Day gifts you’d like to buy to show your love and appreciation for those you care about. And if you really want to go all out this year, but need some financial help to do so, you can take out a Check City Personal Loan.

Below we’ll go over the most popular Valentine’s Day flowers and gift ideas for everyone!

Valentine’s Day Gift Ideas for Her

Whether you need a special gift for your mother, your wife, or your girlfriend, these gift ideas are sure to wow the special woman in your life.

  • Jewelry
  • Clothes
  • Organizers
  • Makeup
  • Vanity mirror
  • Tech she wants
  • Beauty products
  • Spa gift basket
  • Personalized or custom made gifts

Valentine’s Day Gift Ideas for Him

When buying a gift for a special someone in your life, the point is to show how much you cherish them. Sometimes this will mean getting them something they’ve been wanting, rather than something strictly romantic.

  • Massage gun or foam roller
  • Clothes
  • Custom made or custom engraved gifts
  • Beauty product gift baskets for men
  • Video games
  • Tech he wants

Valentine’s Day Gift Ideas for Kids

Nieces, nephews, cousins, and your own children are also great Valentine’s Day gift recipients. They’ll love getting little gifts to remind them how special they are.

  • Games
  • Toys
  • Fun shirts
  • Books
  • Craft kits
  • Stuffed animals
  • Candy

Valentine’s Day Gift Ideas for Coworkers

Coworkers can be some of the most appreciative Valentine’s Day recipients. Many of them probably won’t expect anything from you, so getting a valentine’s gift from a fellow coworker can be a fun surprise to brighten up their workday.

  • Engraved wallet
  • Mugs
  • Socks
  • Calendar
  • Desk toys, decor, or plants
  • Games
  • Designer office supplies

Valentine’s Day Gift Ideas for Friends

Your friends deserve some extra appreciation on Valentine’s Day as well. They’ve been there for you through thick and thin and Valentine’s Day is the perfect day to thank them with a gift.

  • Games
  • Food
  • Puzzles
  • Gift box
  • Gift cards for restaurants
  • Custom friendship memorabilia

Gift Ideas for Galentine’s Day

As the world evolves we realize things like, having a boyfriend or a husband doesn’t determine a woman’s self-worth. That’s why Galentine’s Day was created, to remind women everywhere that self-love is just as important as romantic love.

For similar reasons, a day like Guyentine’s Day could be created! To let men everywhere know that their own self-love is just as important as the love they receive from others.

  • Funny shirts or socks
  • Book
  • Mug
  • Journal
  • Self-care gift basket
  • Trip to a salon
  • Lady’s night out
  • Guy’s night out

Valentine’s Day Gift Ideas for Pets

As a society, our relationship with our pets is changing. We see them more as family members now and want to treat them as such. For this reason, Valentine’s Day is also a great day to buy something special for the furry friend in your life!

  • Fun clothes
  • Car seat
  • Blanket
  • New toy
  • New treat
  • Ball that rolls itself
  • Nanny cam for pets

Shop at Walmart by Clicking Here

At Walmart, you can get all kinds of Valentine’s Day goodies. They have chocolates, candies, stuffed animals, flowers, and even jewelry!

Shop at Target by Clicking Here

Target has stuff to help make your Valentine’s Day party a blast! You can find fun Valentine’s Day cards for the kids to pass out in class, exchange candies, and cute Valentine’s Day mailboxes to keep everything in!

Shop at Anthropologie by Clicking Here

Anthropologie is a popular place to get your Valentine something really nice. They have fragrant candles, beautiful dresses with Valentine’s Day colors, red jeweled earrings, and more!

Shop at Nordstrom Rack by Clicking Here

Nordstrom Rack is a great place to find quality items for your sweetheart at reasonable prices. You can get matching Valentine’s Day mugs, Valentino perfume, and deluxe candy boxes to make your lover swoon.

Shop on Amazon by Clicking Here

Right now you can watch Amazon Live, sponsored by Hallmark to see first hand the kind of great items you can get for your loved one on Valentine’s Day. Some of the most popular items include a Dash mini heart-shaped waffle maker, a Hamilton Beach digital air fryer oven, and a Wilton chocolate fountain.

Shop at Hallmark by Clicking Here

Hallmark has been a staple brand for cards and gifts for a long time. At Hallmark, you can find thoughtful gifts for under $10, $20, or $30.

Valentine’s Day Flowers and Their Meanings

valentines day flowers

Here we’ll go over a complete guide to Valentine’s Day flowers, so you can figure out the perfect flower arrangement full of thoughtfulness and meaning.

Rose

Roses are by far, one of the most romantic flowers to receive on Valentine’s Day. They also come in a wide range of colors and meanings if you want to get poignant with your Valentine bouquet.

Rose Color Meaning
White Rose: innocence
Red Rose: love
Pink Rose: sweetness
Yellow Rose: friendship
Orange Rose: desire or admiration
Lavender Rose: love at first sight or enchantment
Tulip

Tulips are an elegant flower that can come in literally any color. They are the perfect flower to show sophistication along with simple beauty. Tulips generally signify perfect love, so you can easily just get a bouquet in the recipient’s favorite color.

Tulip Color Meaning
Red Tulip: true love
Purple Tulip: royalty
White Tulip: forgiveness
Yellow Tulip: cheerfulness
Lily

Lilies are a striking flower that can’t help but be noticed. As a whole, the lily flowers represents devotion and purity. They are also associated with motherhood and rebirth, so if you’re looking for a flower to give the mother of your children, this is the flower for you.

Lily Color Meaning
Calla Lily: faithfulness
Day Lily: a mother’s devotion
White Lily: virtue
Pink Stargazer Lily: prosperity
Red Lily: passion
Orange Tiger Lily: confidence
Carnation

Carnations are the perfect gift to get someone who was born in the month of January since carnations are the birth flower of that month. But they are a flower that also comes in many many colors with lots of different meanings you could use.

Carnation Color Meaning
Red Carnation: love
White Carnation: pure love
Pink Carnation: gratitude
Purple Carnation: impulsive
Orchid

Orchids are a wonderful plant to get someone who loves to decorate their home and who wants to keep their flower for a long time. When cared for orchids can continue to bloom for years to come.

Orchid Color Meaning
White Orchid: elegance
Purple Orchid: admiration
Yellow Orchid: friendship
Baby’s Breath

Though the baby’s breath flower doesn’t come in many colors, it is a common flower used to fill out beautiful flower arrangements. It is a symbol of everlasting love and the sincerity of someone’s feelings.

Daisy

The daisy is a bright and cheerful flower that stands for innocence, purity, and cheerfulness.

Chrysanthemum

Chrysanthemums are a popular flower. They make very full bouquets and can effortlessly adorn the inside and outside of your home.

Chrysanthemum Color Meaning
White Chrysanthemum: devoted love
Red Chrysanthemum: deep passion
Violet Chrysanthemum: get-well soon
Iris

The iris may be one of the most regal looking flowers. They have an elegant, royal look that can be perfect for representing your feelings this Valentine’s Day.

Iris Color Meaning
Purple Iris: wisdom
Yellow Iris: passion
Blue Iris: faith
White Iris: purity

The possibilities for how you can celebrate this day of love are vast. There are gifts and flowers for every situation. Use this guide to help you plan your Valentine’s Day to really make it special this year.


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!


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.


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


Cold Weather Deals from Amazon

amazon daily deals

At Check City we understand that often times we depend on sales to get the things we need. Apply for a Check City Payday Loan and you can get even more help paying for the things you need, when you need them.

Take a look at Amazon’s Daily Deals, any day of the week by visiting the Today’s Deals tab when you go on Amazon. There you will find unique deals every single day of the week. Listed below are the Daily Deals posted for today!

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

Evlution Preworkout Powder

daily deals

Current Sale Price: $19.99
Originally: $34.99
You Save: $15.00 (43% off!)

Evlution Nutrition has a preworkout powder that you can put in your drink or smoothie. It has everything you could want in your workout fuel. It helps stimulate mental focus, helps keep you energized, and even comes with essential amino acids. Right now Evlution is having Amazon sales on all their preworkout powders so you can get all kinds of sizes and flavors.

Heated Hoodie

daily deals

Current Sale Price: $99.99
Originally: $129.99
You Save: $30.00 (23% off!)

Ororo has a heated unisex hoodie with a battery pack so you can easily stay warm and comfortable. The heated jacket has 3 heating zones and 3 heating levels so you can even adjust the warmth of your jacket. And don’t worry about it being too heavy because it’s a heated jacket, it’s still lightweight and made with stylish, comfortable fabric.

Kid Crafts

daily deals

Save up to 58%!

Save big on fun arts and crafts for kids. These crafts make great gifts and come with kits that have everything you need. Kids can make bracelets, weave on a loom, or paint a sculpture!

Anker Charging Accessories

daily deals

Save up to 38%!

Anker is having deals today on all their charging accessories. They have a portable power bank you can use to charge on the go. There’s also a wireless charging stand, and a wireless car charging stand.

Zojirushi Coffee Maker, Mugs, and Lunch Boxes

daily deals

Save up to 58%!

Zojirushi is having a sale today as well, on a lot of their products. You can get a complete lunchbox set with a lunch bag, and lunch Tupperware. You can also get a coffee maker that can hold up to 10 cups and stylish thermoses of all sizes and colors.

Laptops, Monitors, and Desktops

daily deals

Save up to 41%!

Amazon’s final sale today is on laptops, monitors, and desktops. Optimize your workspace by getting a new laptop or a new or second monitor so you can easily get all your work done. They even have the ever-popular curved monitor for the best viewing.


5 of the Best Amazon Daily Deals

amazon daily deals

Not only can you find almost anything on Amazon but you can also find online deals every single day!

By visiting the Today’s Deals tab when you go on Amazon, you can find unique deals every single day of the week. Online sales are some of the best discounts you can get because you’ll save money on the item and you’ll save time and money on gas by getting it shipped to you.

At Check City, we understand that often times we depend on sales to get the things we need. Apply for a Check City Payday Loan and you can get even more help paying for the things you need, when you need them.

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

Fire HD Tablet

amazon daily deals

Current Sale Price: $79.99
Originally: $109.99
You Save: $30.00 (27% off!)

Amazon has many useful devices, like the Fire Tablet! Right now you can save $30 on the 8 inch Fire Tablet with HD display. It can also hold up to 32 GB and has a long, 10-hour battery life. You can use your Fire Tablet to watch shows, play games, listen to audiobooks, read, or keep notes. The tablet is also light and portable so you can easily take it with you wherever you go.

That’s it. Fruit Bars

amazon daily deals

Current Sale Price: $22.49
Originally: $29.99
You Save: $7.50 (25% off!)

These fruit bar snacks from That’s it. Are 100% natural, gluten-free, vegan, and low carb. Everything you could ever want in a snack is inside! Enjoy yourself a little without feeling bad by getting snacks that are actually good for you. This 20 pack comes with a variety of flavors like strawberry, mango, blueberries, cherries, and fig.

Smarty Pants Vitamins

amazon daily deals

Save up to 59%!

Save on all the best Smarty Pants multivitamins for women, men, expectant mothers, kids, and even your dog! That’s right, Smarty Pants vitamins also have a line of dog treats called Smarty Paws. They have treats for senior dogs, adult dogs, and puppies too.

Home Radon Detector

amazon daily deals

Current Sale Price: $99.99
Originally: $168.08
You Save: $68.09 (41% off!)

Better protect your home and everyone in it by installing a home radon detector. This detector from Air Things is lightweight and portable with an easy to use battery system. It also provides an easy to read digital display so you can know exactly what the levels of radon gas are in your surrounding area.

MSI Gaming Laptop

amazon daily deals

Current Sale Price: $639.00
Originally: $799.00
You Save: $160.00 (20% off!)

Save $160 dollars on a new gaming laptop from MSI! Amazon has a couple of sales going on right now on gaming laptops. This one is the 15.6-inch version with an Intel Core and Windows 10. Not only are these laptops great for gaming but you can save big on a new laptop for work and personal use as well.


The Master Guide to Winter Workouts

winter workouts

Staying active in winter may seem impossible, but with some key tips and tricks you can get back on track and enjoy your healthiest and happiest winter yet.

Explore this Article

Winter is one of the hardest times to work out. Winter has some major eating holidays, it’s cold outside, it’s dark outside, the days are shorter, and you feel sleepy and full of food all the time! But all of this is why it is so important to stay active in winter and avoid being too stagnant during this season.

Tips for Staying Active in Winter

exercise tips

Staying active when it’s cold and dark outside is difficult, and understandably so. Around 17.3 million adults in the U.S. alone suffer from depression and 10% to 20% of those cases are affected by the seasons—like winter. The cold, dark days of winter can really deter us from staying positive and active. But with a few key tips, you can make your life a little easier and help make working out in winter a little easier too.

1. Make Future Plans

By making future plans for the spring and summer you can find your winter workout motivation! Summer plans will give you something to work toward during the winter. This can be anything from a beach vacation to signing up for a marathon.

2. Set Up an At-Home Workout Space

Having a designated space in your home to work out can really help make exercising during the winter easier. You don’t even have to dedicate a whole room to your at-home gym space. Just set up some at-home weights and a yoga mat in an assigned bin near your TV so you can do a short daily workout video and have everything you need right there.

3. Invest in Indoor Equipment

Sometimes the biggest obstacle to working out in winter is getting yourself out the door to go to the gym. Solve this problem by investing in some indoor gym equipment for your own home. Then you don’t have to spend additional time traveling to the gym in order to work out each day. You can even take out a payday loan to help buy the indoor workout equipment you need.

4. Get a Gym Membership

Another way to get yourself going to the gym is to sign up for a gym membership. Ideally, you should choose a gym that is close to home or close to your work. This way your gym will be on the way so you can easily plan a stop to the gym on your daily schedule. You can even keep a locker at your gym so you’ll have all your shoes and workout clothes already there.

5. Find a Workout Buddy

Support is an important part of achieving any goal. A workout friend can help keep you accountable, motivated, and positive as you work toward your physical health goals.

Examples of Indoor Winter Workouts

at home workouts

Just because the outdoors are full of ice and snow, that doesn’t mean you can’t stay plenty active from the warmth and comfort of the indoors.

1. Sign Up for Indoor Sports

There are plenty of indoor sports teams you can join. You can even start your own team with friends! Sports don’t have to be professional or competitive, they can also just be for fun, socializing, and staying in shape. You can also do other indoor sports alone like swimming at the local indoor pool or rock climbing.

2. Use Workout Videos

Workout videos can be a fantastic way to get moving from the convenience of your living room. You can even find free workout videos on YouTube like Fitness Blender. There are plenty of expertly designed workout videos and subscriptions you can purchase as well, like Daily Burn.

3. Do Yoga Circuits

Yoga isn’t just for stretching, it has many great health benefits as a daily workout. Yoga with Adriene are free yoga workout videos you can find on YouTube to get you started.

4. Go Dancing

Sign up for a dance class and learn some cool skills while you workout! You can even find ways to teach yourself how to dance by watching videos or playing games like Just Dance!

5. Do Some Deep Cleaning

Yes, you heard right. You can get your house in order while you sweat by doing some intense spring cleaning early. Make cleaning into more of a workout by doing creative things like core twists while you mop the floor or lifting heavy baskets like they are weights.

6. Create Your Own Workout

Instead of using workout videos you can create your own workout routine with all your favorite moves. Here are a few to get you started:

  • Crunches
  • Plank
  • Mountain climbers
  • High knees
  • High kicks
  • Sidekicks
  • Pushups
  • Lunges
  • Squats
  • Jump rope
  • Jumping jacks
  • Stairs
  • Weights

Examples of Outdoor Winter Workouts

outdoor workouts

If you are going to exercise outside in winter then there are a few things you need to do to stay safe and be prepared.

  • Do extra-long warmups
  • Wear layers
  • Protect your extremities
  • Wear sunscreen
  • Wear Sunglasses to protect your eyes from the glare off the snow
  • Stay hydrated
  • Wear the right shoes and be careful of slipping on ice
1. Go Skiing

Skiing isn’t just fun it’s also a workout! It’s a sport you can do in winter that will give you a full-body workout.

2. Ski Uphill

Skiing uphill is also known as skinning or alpine touring. It involves placing a “skin” to the base of skis so you don’t slide backward and can in essence ski uphill. Snow adds some extra resistance to this uphill exercise making it a doozy of a workout.

3. Go Snowboarding

Another great winter sport to do is snowboarding. It can keep you occupied for hours, you can socialize with friends, and get an intense core workout in!

4. Trail Running

Trail running isn’t only for warmer months. You can still jog your favorite trails in winter, just make sure you layer up accordingly and beware of ice!

5. Hiking

Activities like hiking can be really fun to do in winter because it’s cold out and the sun isn’t as intense. Winter hikes can actually be more pleasant because you won’t be fighting the sun or the heat.

6. Sledding

Sledding isn’t just for children! It can be good for adults too. Not only that but you can have fun with the kids in your life all while getting an awesome workout into your day.

7. Ice Skating

Ice skating is a great activity because you can easily do it with friends or on your own. While ice skating you work unique muscles in your legs and abdomen. You can even take an ice skating class and learn some impressive new moves to show your friends.

8. Shovel Snow

This might seem like a chore but it doesn’t have to just be a chore. You can change your perspective on shoveling snow and include it in your workout regime.

9. Play in the Snow

There is a lot of fun to be had out in the snow. You can have a snowball fight, build a snowman, create an igloo, or pull each other around in sleds.

10. Snow Shoeing

Snow adds weight resistance that you can use to your advantage. Going on a walk in the snow can burn even more calories than if you were walking without snow.


Staying active is important for an endless amount of reasons. Physical fitness isn’t just important to your physical health but to your mental and emotional wellbeing as well. Don’t let your physical health plans fall by the wayside this winter by using these tips to finally win at winter workouts.


Amazon’s Year-End Deals

amazon deals

Amazon has become a site renowned for having everything. But with so much available on Amazon’s website it can be hard to find the deals you’re looking for!

Thankfully, Amazon takes care of that problem for you by showing all their daily sales right now featured under Amazon’s Year-End Deals. If you need help making important purchases before the year ends, then use a Check City Personal Loan so you don’t have to miss out when the sales are good.

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

Motivational Water Bottle

water bottle

Current Sale Price: $15.85
Originally: $19.95
You Save: $4.10 (21% off!)

This motivational water bottle comes in 2 sizes, 64 ounces and 1 gallon. The sale going on today is for the 64-ounce water bottle, which should be plenty big enough to get your needed water intake each day. This water bottle is unique because it has an ergonomic, user-friendly design, with time markers on the side that let you know how much you should be drinking throughout the day. Staying hydrated is important to staying healthy, and with this effectively designed water bottle you can easily do both.

Blood Pressure Monitor

blood pressure monitor

Current Sale Price: $21.99
Originally: $159.95 to $32.99
You Save: $11.00 (33% off!)

Another way to get back into shape and stay healthy is to monitor things like your blood pressure. With this inexpensive blood pressure monitor, you can keep track of your own blood pressure at home! It’s extremely easy to use and will also let you know your heart rate. You can also store your measurements on the device so you can track how you’re doing and even bring your blood pressure record into the doctor’s office.

Resistance Exercise Bands

exercise bands

Current Sale Price: $8.33
Originally: $10.90
You Save: $2.57 (24% off!)

Working out can be hard to do when you have to leave your home to do it. Take away that problem by getting work out equipment you can easily use at home! This pack of 5 resistance loop bands can be used for stretching, strength training, physical therapy exercises, and so much more. They also come in a variety of colors you can choose and have an anti-slip design so that they’re incredibly easy and safe to use.

Mop and Broom Holder

broom holder

Current Sale Price: $11.04
Originally: $20.00
You Save: $8.96 (45% off!)

Don’t just get your physical fitness life together, get the organization you’ve been wanting in your life with this wall organizer. You can use it to store your cleaning supplies like mops, brooms, and dusters. You can also use it to better organize the garage. It can hold up to 11 items total with 5 holders and 6 hooks. This track organizer can change your life for the better, getting needed things around the house in better order so your life can become a little less hectic.

Car Phone Mount

phone mount

Current Sale Price: $10.99
Originally: $7.47
You Save: $3.52 (32% off!)

We use our phones for so much these days that they’ve even become a bit of a necessity in the car. We use our phones to play music, take calls on the road via Bluetooth, and help us navigate to where we’re going. But all of this is hard to do, and dangerous too, if you don’t have something to mount your phone onto. With this cell phone holder, you can use your phone to easily navigate around without having to take your hands away from the steering wheel.


READ MORE

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Get ahead on your Christmas shopping this year, “4 Reasons to Start Early Christmas Shopping.”

Learn how to get thrifty with all your gift shopping this season, “Thrifty Gift Shopping.”

Read all about the post-Christmas online shopping addiction and how to you can save yourself from overbuying this year, “The Post-Christmas Online Shopping Addiction.”

Save on all your holiday shopping with these tips, “Saving while Online Shopping for the Holidays.”


How to Make and Keep New Year Resolutions this Year

Explore this Article

new year wishes

The New Year is a significant time for a lot of people. A whole new year is beginning with a whole new you waiting ahead!

The new year is a time of new beginnings and fresh starts for us all. Many of us will attempt to make new year resolutions to better ourselves and our lives this coming year. We see the new year holiday as an opportunity to celebrate the past year and look hopefully toward the year to come. New Years Eve may be one of the most hopeful nights of the year as we start over with the dawn of a whole new beginning.

New Year Resolution Ideas

Have you decided what your new year resolutions are going to be? If not, here are some common new year resolution ideas that you could choose from.

  1. Work on physical health
  2. Work on mental health
  3. Get more organized
  4. Save money
  5. Get out of debt
  6. Quit bad habits
  7. Stick to a budget
  8. Travel
  9. Read more
  10. Find a better job

new year goals

1. Work on physical health
Every body needs to learn good, healthy habits to keep their bodies fit and strong. This goal works for everyone since we can all do a little more to take care of our physical health, whether that means eating better, working out more, or both.

2. Work on mental health
This goal also works for everyone since we can all always do a little more to take care of our mental and emotional wellbeing. Self-care is important and can make accomplishing other goals a lot easier. Mental wellness goals can be anything from resolving to visit a therapist to doing morning yoga for a happier morning routine.

3. Get more organized
Organizing and decluttering your life is another goal that can make keeping other goals easier. Maybe you want to focus on planning more productive days. Or maybe your office space, bedroom, or garage could use a major cleaning and organizing overhaul. This can be a great goal to make as a family to rearrange and reorganize your home and your lives together.

keep new year resolutions guide

4. Save money
We’d all like to save more money, but making this an actual new year resolution might be the focus you need to really make it happen. You can save money in many ways: 1) reduce spending by getting rid of some monthly payments, 2) get a better paying job or a second job, or 3) learn to stick to a budget that allows you to save more money.

5. Get out of debt
Debt can bog down all aspects of our lives. It can keep us from getting the things we need and moving forward with important life steps. Resolve to get rid of debts this year and make an airtight financial plan for how you’ll do it. Maybe this year you can decide to go without certain things so you can afford the bigger payments to bring down your debts faster.

6. Quit bad habits
Bad habits come in all shapes and sizes. You might want to quit smoking this year, or maybe you just want to quit eating junk food. One key trick to quitting bad habits is figuring out how to replace bad habits with better habits to fill the void the bad habit was filling.

7. Stick to a budget
Creating a budget and sticking to it can be a really difficult goal to accomplish. To finally learn to stick to your budget, try focusing on one aspect of your budget at a time in order to more slowly learn how to live according to that budget. This way you’ll take things slower and not fail due to being overwhelmed.

8. Travel more
Traveling can be a great way to expand your views, learn about the world, and learn about yourself. Make sure that in your goal planning you remember to account for time and costs. You might need to use PTO days at work and plan accordingly. There will also be travel costs like gas, tickets, hotels, or whatever else you’ll need to make your traveling plans actually happen. You can also make use of a Check City Installment Loan in your travel budget to help with costs. Plan to prepare before you plan to travel.

9. Read more
Reading is an important hobby we often forget about in our busy lives. To remind yourself to read this coming year create your own reading list. Keep in mind your own reading pace and schedule out your planned reading for the year on a calendar. You can even form a book club and read together with friends.

10. Find a better job
Money might not buy happiness but a good job can make all the difference in your personal and financial life. Finding a better job might be an important goal this year if you’re struggling to not live paycheck to paycheck. It might also be an important goal if the environment at your current job is less than ideal, or if your commute is too long.

How to Set Goals

set goals
Making goals for yourself this new year is a worthy endeavor, but many of us start to fail in our goals around February and give up by March. Why is this? Generally, we fail in our goals because we lack the proper motivation and planning to keep our goals.

1. Don’t set too many goals
One of the main things that keep people from accomplishing their goals is setting too many goals at one time. Instead, stick to only one or two major goals for the year. You may have up to 50 goals you’d really like to accomplish this coming year, but if you want to be successful at keeping your goals, you’ll need to prioritize and focus on the most important ones first.

2. Make a step-by-step plan for your goals
Once you have your resolution in mind, break the goal up into manageable steps. For example, you may want to save up to buy a new car, but you know you can’t just put thousands of dollars aside. However, you do know you can put aside $10 this month, and $20 the next month. Make big goals more manageable by organizing them into small, easy to accomplish steps.

3. Expect and accept setbacks
When trying to accomplish great things you are going to experience setbacks. Don’t let them destroy all your efforts by recognizing that failure is a normal part of any process. But failure doesn’t have to mean absolute failure. You can fall off the horse and get right back on, and at the end of the day, it’s this kind of effort and resolve that gives you the most out of your goals.

How to Stay Motivated

new year resolutions
One way to keep yourself feeling excited about your goals is to make use of new year quotes. You can print out motivational quotes and hang them around your house or bedroom as a reminder of your goals. It’s also a great idea to have a motto of the year that you look to each morning to stay focused, positive, and motivated. Here are just a few of the many quotes you could use as your quote of the year:

“You are never too old to set another goal or to dream a new dream.”

—C. S. Lewis

“Life is change. Growth is optional. Choose wisely.”

—Karen Kaiser Clark

“Never underestimate the power you have to take your life in a new direction.”

—Germany Kent

“Life’s not about expecting, hoping and wishing, it’s about doing, being and becoming.”

—Mike Dooley

“It takes courage to grow up and become who you really are.”
—E.E. Cummings

You can also help yourself stay motivated and achieve your goals by helping others stay motivated and keep their goals. On new years we like to make resolutions for ourselves and give out new year wishes for others. Support your friends and family in their goals by reaching out to them in your new year wishes this year and offer your help and encouragement in their own endeavors.

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