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Establishing and Developing Your Credit Score Effectively

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

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

If You Don’t Have Credit, Start Here

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

Stay Disciplined With Your Credit Cards

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

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

Diversify Your Credit

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

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

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

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

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

Simple Ways to Save Money

Americans today are constantly looking for ways they can save money. Although most of us do not like to admit it, many of us are operating on tight budgets, with not much extra money to go around. For many Americans, living paycheck to paycheck has become the norm and any extra expense can send their personal finances into the red. At Check City we understand that things come up and sometimes there just isn’t enough money to go around. In those cases a short term loan or cash advance is a great solution to be able to get your bills paid and take care of your financial emergencies quickly.

Living paycheck to paycheck can be a frustrating and sometimes difficult way to live, but if you hunker down and focus on sticking to a budget it can oftentimes be very rewarding. If we all just had oodles and oodles of money lying around, we wouldn’t appreciate it.

On the contrary, if we have to budget and save in order to live, then we appreciate and are grateful for the money that we do have. We also will appreciate more the possessions and items we buy with our carefully budgeted money.

Although some may say statements like these are simply ploys to help us become more comfortable with the idea of not having very much money, they can be very helpful to people who are living on a budget. Becoming more satisfied with the way you must live is a surefire way to becoming happier and more positive about life in general.

If you have come to terms with the amount of money you make and the amount of money you must spend, you are probably still looking for ways to save a little money here and there. Here are a few tips on how to save money the easy way.

Find a Penny Pick It Up

In general, you can save money by collecting your loose change. Instead of getting rid of it or giving it to your kids, try keeping it and putting it into some kind of container or jar.

If you are diligent in doing this, you will be surprised at how much money you can accumulate just from your loose change. Studies have shown that if you put aside 50 cents per day for a year, you can earn a good 40% of an emergency fund.

Track Your Spending

Another great way to save money is to keep track of your spending. Most people don’t know how much money they’re spending and what they’re spending their money on.

This can be a problem for obvious reasons. For one, it is easy to spend money when it is just a little bit here and there on various things.
But what people don’t think about is that spending a little bit of money here and there will add up eventually, and you won’t have very much money left. Many people think keeping track of their spending is annoying, tedious, and unnecessary, but many money-savvy people will tell you that it is quite the contrary.

Although keeping track of spending may seem binding, it is actually quite freeing. If you take the time to sit down and make a decent budget, you will realize that the budget then frees you to spend your money on what is appropriate to spend it on.
People are often afraid that if they make a budget, they will not have any money left over for “fun things.” There is no way to say that this absolutely won’t happen.

However, most people are afraid of the unknown. They haven’t ever made a budget, so they are afraid of what the budget will do to their spending habits.

Starting a Budget Can Be Hard, But it’s Worth It

People like this could definitely benefit from getting some help on starting a budget. It can be difficult to get a budget started, but once you know how to set it up and enter the amounts in, budgets are a piece of cake.

Many people just need that extra help at the beginning with setting up their budget so that they can learn how to effectively use their budget. Millions of Americans can attest to the benefits of making and using a budget tailored to their specific financial needs.

Another important thing to realize is that an emergency fund isn’t optional. Many people think that emergency funds are something they read about in books or online, but it is not something they actually need to have.

People do not think that they will have an emergency; emergencies are things that happen to other people. But the people who have the emergencies happen in their lives may have thought that silly phrase as well.

This should be a testament to people everywhere that emergencies can happen to anyone. This is why it is crucial to have an emergency fund in case you or someone in your family has an emergency.

The emergency fund may not be enough, but at least it will be something. The worst thing that can happen is an emergency occurs and you have no emergency fund. Financial emergencies always seem to happen at the worse times, whether your in-between paydays or have just had some bad luck recently a short term loan, cash advance or payday loan can be a great way to cover your current expenses for a short amount of time until you can pay them off with your next payday.

The Usefulness of Loans from Large to Small

Loans come in all shapes and sizes. There are a few larger ones that are commonly discussed that you may have a question or two about. The following is a description of many of the loans you may have heard of or come into contact with yourself.

You may have heard homeowners talking about paying off their mortgage, or having to take out a second mortgage to be able to keep the house and pay all of their bills.

A mortgage is a loan taken out to finance the purchase of a home. These loans come in the amounts of several thousand dollars and are just to be taken out to pay for real estate. They accumulate interest over the years just like any other loan. Mortgages are typically paid off in fifteen to thirty years. The major difference with these loans is that part of the mortgage includes signing the right of your home to your debtor should you default on your payments.

If you prove that you are unable to pay your mortgage, your lender has the right to take back the house for themselves. This is called a foreclosure. These houses are now the property of the banks. They work to sell those homes as quickly as possible in order to make back the money they invested so many years ago. They are a pain for real estate agents to sell, but buyers can usually get a good deal on them. So with such a difficult circumstance, how would a second mortgage help you?

A second mortgage is just that, another mortgage taken out on your property. This money is taken out for another large purchase however. That purchase can include a car, college tuition, etc. It can also be used to help pay off other outstanding debts. It might even be used to help pay the terms of the first mortgage. Interest rates for this mortgage are usually higher than for the first and you pay more in the long run. Depending on your circumstances, it could be worth the effort.

Payday loans are the smaller versions of these big loans. They are short-term (quickly paid off) loans taken out in smaller amounts (typically smaller than your bi-monthly salary). You write a check to your payday loan service for the amount you need, plus a fee, and they give you cash right away.

Once you have the cash, you are free to use it to pay off immediately pressing bills. Once your paycheck comes through, your payday loan professionals will collect their payment and the transaction is completed.

These are great for getting the money you need quickly. Discretion has to be used on how you use your next paycheck, but when you’re looking to keep a house, a car, or in good standing with someone, a payday loan can be very helpful.

These are the 2 common personal loans that financial institutions hand out regularly. There is still one that you might have heard a lot about, but wonder how it differs from the rest of the lot: business loans.

Business loans exist in a different realm than these more personal loan options. Businesses work through a significantly larger amount of money than most individuals. Hence, they qualify for much larger loans a lot easier than individuals.

A small business loan can run anywhere between a few thousand dollars to fifty-thousand. A large one can push a million dollars, depending on the profitability of the business.

They qualify for their loans in much the same way everyone else does. The lender looks at a lot of the same aspects as they do for individuals. Their number one concern is to determine the likelihood of you paying back your loan. Giving you that money is still a gamble of an investment.

That gamble can be reduced with considerations of past sales numbers, available budgets coming in, preorders waiting to fully cash in on their end of the deal, etc.

Companies must present their assets, sales, and purpose for the loan in no uncertain terms in order to convince the bank or organization to take a chance on them. Your confidence and work behind the scenes will all be paid off with a check for an amount close to what you were looking for when you do it right. The key is to show trends and predict realistic futures to show that you will have the means to pay off this loan.
The companies take that information and review how risky the venture is, determine if you are eligible, and set an interest rate that will ensure they will have their money returned in full.

Businesses may exist on a different plane than individuals, allowing them larger loans, but many of the same principles apply to them as well.

How to Make Extra Money

With the rising prices of gas, rent, and food it seems more and more Americans are finding their bank accounts on empty at the end of the month leaving thousands of people wondering how to make extra money. If you have found yourself in the situation where you need some extra money the good news is that in this day and age that are many, many ways to be able to make extra money.

To decide which route for making extra money is best for you the first thing that you need to do is figure out is how much do you need, and whether it’s a onetime need such as unexpected bills or if it’s going to be a new monthly expense that you should work into your budget. The reason for figuring this out is the fact that some of the options that we mention below like short term or payday loans work out better for getting money quickly for a one-time expense than they do for long term on going expenses.

Also, it’s good to look and see if this expense really is a need or if it’s just something frivolous that you want such as recreational vehicles, a vacation home, or a time share. Before taking on this expense you should ask yourself if it’s something that is really worth the extra effort or expense that it is going to create or if it’s something that you can wait to purchase until you have the cash in hand.

Make Extra Money Fast

Payday Loans- While online payday loans can sometimes have a negative connotation, in most instance when you need quick money now, and know that payday is only a few days away they make complete sense. Payday loans especially make sense when you compare the affordable fees to the huge expense that banks might charge on an overdraft fee or the hassle of having your utilities paid off or car repossessed. Payday loans from Check City are surprisingly simple to apply for either online or at one of our many locations.

Sell Your Scrap Gold- Everyone seems to have some scrap gold laying around their house. Whether it’s the pair of broken earring that you keep telling yourself you’re going to get fixed or a ring from a previous marriage it can all still make you the extra money you need right now. Most people don’t know that in addition to gold they can get paid on other precious metals they might have laying around the house as well such as silver.

Make Extra Money With by Working More

Get a Second Job- In some cases you may find that you need extra money on a regular basis, if this seems to be the case you will eventually run out of scrap gold to sell. If you find yourself in this situation, it may be time to look into a second job.

Before you begin looking for a second job make sure it’s something that is right for you. Take one last look at your finances; see if there are any expenses you can cut before taking on a second job. Believe it or not, Cable is not a need; also, more and more people are cutting internet service to their house because they can already get internet on their mobile phones. In fact, some of the Android and Apple based smart phones also have the ability to be turned into a mobile wifi hotspot so that you can use them to provide internet to all of the devices around the house.

Once you’ve assessed your budget the next thing to do is take a look at your schedule, oftentimes people will rush into a second job only to end up needing to hire a babysitter to watch the kids because they can only get shifts while the other parent is working which usually negates the benefit of working the second job. Also, when looking for second jobs look for jobs that might be able to be done from home or on a piece work basis that way you can do them whenever is convenient for you.

If you’ve done all the things we’ve mentioned above and you still find that it’s necessary to get a second job, remember to be smart about it. If you have the luxury of not having to rush into this second job take the time to be picky. Look for companies that offer the most, some companies will actually offer full time benefits for part time employees, little things like that can make some part time jobs much more worthwhile than others.

Negotiate a Raise- Before you go looking for a second job you should look into how you can improve your situation at your current place of employment. When it comes to getting a raise, each company is a little different and it can always be a bit of a process but if you’re willing to go through the trouble it will usually pay off in the end. The easiest time to get a raise is after you’ve completed a big project that will pay off for the company or after you’ve had a record month in sales. If you don’t have any of those accomplishments to use as reason for your raise then look at your current situation and think of ways that you can make a difference for your company. Anything that you can do to improve the bottom line for your company will pay off for you in the end.

In addition to getting a raise it’s also possible to free up extra money in your personal budget by shifting some of your monthly expenses to the company you work for by getting them to pay for it. For example, common perks that employers will sometimes offer include paying for your cell phone, paying for fuel expenses, health benefits, paid vacations, etc.. Employers offer these kinds of benefits because they want to reward loyal employees. Companies don’t like the hassle of going through the hiring and training process, the expenses associated with interviewing, training, and hiring a new employee are oftentimes astronomical. Because of the high costs associated with brining on a new employee they usually want to reward employees that show loyalty so if you’ve been with a company for a while and have a good relationship with your employer it may be worth seeing what kinds of perks they’re willing to offer to you.

Make Extra Money From Home

Start a Home Business- In addition to improving the situation at your current job you could also look into starting a home based business. If you decide to go this route it’s important to understand that just because it’s a home based business doesn’t mean that it’s any easier to get up and off the ground, it is still a business. Oftentimes people think that because it’s a home based business they can just sit back and relax in their pajamas while checks show up in the mail and that is not the case. If this is your first experience ever running a business it might be best to start off with a network marketing opportunity. Network marketing opportunities can sometimes be seen as negative businesses because nobody wants to hit up their friends and family to pitch them on a business but they are a great way for individuals who have never run a business to learn how to market a product or service without the business licensing and other expenses that go into a traditional business.

Make Money Online- In addition to starting a traditional business from home, you could also look into making money online. If you decide to go this route it’s important that you understand you will run into a lot offers out there that sound too good to be true, and they always are. Most of them will say that you can make thousands of dollars within hours of buying their “wonder product.” Making money online takes just as much work to get off the ground as any other business. The good news though is that there is plenty of free information throughout the internet that can show you exactly how to start making money online.

6 Ways to Make Money Fast

Sometimes people just need some quick ways to make money. Whether its money to pay some bills or to cover unexpected medical expenses we could all use some quick money making ideas every now and then. In this post we’ll talk about some of the fastest ways to make money that can help stretch your finances until your next payday.

The first ideas that we mention on this list such as getting a payday loan or a title loan are the ones that we recommend the most, not simply because they’re the services that we offer but because you can get the money quickly and don’t have to sell any of your personal belongings to get the money you need. With all the items on the list however you should be able to get money in anywhere from a few hours to a few days.

#1: Make Money on eBay

If you’re willing to put a little more time into selling your items you can usually squeeze out a few extra dollars by listing your higher end items on eBay rather than selling them at a garage sale or on a local classifieds. The downside is the fact that the best performing auctions usually run for 7 days, so this is another technique that won’t work the best if you are in a hurry to make some money. Also, there are fees associated with selling items on eBay such as listing fees and payment processing fees if you collect your money through PayPal. To be able to list an item on eBay you’ll need something to sell, an established eBay account, and a PayPal account so that you can get paid. There are other ways to get paid through eBay such as credit card or cashier’s check but PayPal is by far the easiest way.

#2: Have a Garage Sale

If you have some items around the house that you are looking to get rid of and depending on how quickly you need some money, and how much money you need, a garage sale might be a fast way to make money that could work for you. It’s important to keep in mind that the best days for garage sales are usually Saturdays and Sundays because people have the day off work so if you’re needing money earlier on in the week to avoid an overdraft fee or are at risk of having your power turned off, you’ll most likely want to use one of the methods we mentioned above. The nice thing about garage sales is that as long as you have stuff to sell they are pretty simple to set up. Advertising for garage sales is usually free all you need is some cardboard and a marker to make some signs or if you want to go more high tech you can put a listing on Craigslist.

#3: Get a Payday Loan

Getting a payday advance or an online payday loan is one of the quickest ways to get money. If you’re not familiar with how payday loans work, payday loans are when you can take out a loan and use your next future paycheck as collateral. Guidelines vary from state to state so the amount of the loan as well as the fees associated with it will be different depending on where you live but usually you can get a loan for $200-$1500 and the fees usually end up being around $15 per $100 that you borrow.

These loans aren’t intended for long term borrowing but if you need to pay some bills immediately or are trying to avoid costly over draft fees from your bank, payday advances are the perfect option. You can get a payday advance by either visiting one of our convenient Check City locations or by applying online.

#4: Title Loans

Another great option if you need money fast is getting a title loan. If you own your car outright and have the title in hand you can get a title loan for it. A title loan is similar to a payday loan or payday advance only with a title loan you are using your vehicle as collateral rather than your next paycheck. Title loans are available at any Check City location and all you need to bring in is your vehicle, the title, spare key, proof of insurance and registration, photo ID, proof of residence, and proof of income. Once you’ve provided that information all you need to do is fill out an application and you can be driving away with cash in hand that same day. Title loans typically last 30 days.

#5: Sell on Craigslist

If you are planning on having a garage sale you can usually “cherry pick” some of your nicer products and list them on local classified sites like Craigslist. In addition to Craigslist most local news stations have a classifieds section on their websites, here in Utah the most popular one is KSL Classifieds. Some items that seem to sell well on local classifieds are electronics, furniture, and baby items, and gardening products (depending on the season). Listing these items can not only get you some money faster than having to wait for the weekend to have a garage sale but if you are planning on having a garage sale as well you can put the address and time of the garage sale at the bottom of each of your ads and mention the fact that they can come take a look at the item at the garage sale.

#6: Pawn Shop

If you’d rather not sell your stuff, you can head down to your local pawn shop and take out a loan on it. For those of you that aren’t familiar with pawning, when you pawn something you’re essentially taking out a loan against something that you own. For example if you have a stereo, you can take it into a pawn shop, they will appraise it and then give you a loan for a fraction of the amount that they think they can sell it for if you end up not paying the loan back.

For some people this is the best option, especially if they are looking for a smaller loan. The average length of a pawn is around 30 days which puts it between a payday loan which is usually around 14 days and a bank loan which will usually be longer term. The downside to a pawn is that if you don’t pay back the loan, plus interest within the allotted time frame the pawn shop has the right to sell whatever it is you used for collateral, whether it’s your stereo, collection of Nintendo games or even your wedding ring they will sell it off. Another downside to using a pawn shop is the atmosphere. While most people don’t want to talk about it, pawn shops are oftentimes an easy way for thieves to off their stolen goods so those are the type of people that you’ll have to be around when you go into a pawn shop.

If you find yourself in a situation where you need some extra money we recommend using any of the methods above. If you still wonder which of these options is best for you visit a Check City location near you and they will able to help you find a financing option that best fits your needs.

Understanding the Basics of Payday Loans

We’ve all been there. It’s 3 days before pay day, and you’re totally out of money. What are you going to do? You could try borrowing money from a roommate or friend, but that could strain your relationship and make things awkward. You could, heaven forbid, borrow money from your parents, but the same consequences mentioned earlier could apply. Many people every day find themselves in quite the pickle when something like this happens to them. But there is help out there. Check City offers you the chance to receive a payday loan, which will help you get out of this situation.

Let’s first discuss what a payday loan is. A payday loan is a short-term, unsecured loan extended to a borrower from a lender. The loan is given to the borrower with the idea that they will pay it back by their next payday. Payday loans, despite the name, do not have to be connected to the borrowers’ payday, however. You can work with the lender to determine when you will need to pay back the loan.

Getting a payday loan is easy and hassle-free. Visit and fill out an online application. The people at Check City will review your application and within a short 24 hour period, the money will appear in your bank account. It’s really that simple. If you would rather take out a payday loan in one of our stores, that is also an option. Simply walk into a Check City location, fill out a personal check for the amount of money you need (plus standard fee), and walk away with cash in your hand. Check City will then cash the check on the date you specified and that is how you will pay back your loan.

In order to receive a payday loan or online payday loan, you’ll need a steady source of income, a state or federal ID, and a checking account. But with these 3 things, you are all set to receive your own payday loan.

It is important to realize that payday loans shouldn’t be used as a long-term financial solution. Payday loans should be used responsibly and just when you need money quickly for a specific reason. If you want to know more about payday loans and to see if taking out a payday loan is a good option for you, simply visit one of our Check City locations and we can give you the advice you need.

Payday loans are often the right choice because they can save you money. If you are behind on a payment, and you write a check for money you don’t have, there is a very real possibility that that check could bounce. Bounced checks can present huge problems. You can be arrested and taken into court for having a check that bounces. Your future job opportunities could be jeopardized if you have a bounced check on your record.

Avoid Bounced Check Fees

The average bounced check costs $27, and that is just the cost from the bank alone. If you have to write several checks in one day, there is a likelihood that the bank will cash the largest ones first, which could lead to some of the smaller ones bouncing. In this situation, you will only be charged more in fees from the bank and the situation will increasingly worsen.

But you have to consider the cost that the company or lender that cashed the check may charge you as well. These costs can be up to $25, if not higher.

The list goes on. If you write a bounced check to a company that reports to credit bureaus, it is likely that the late payment will show up on your credit. Bounced checks can even be reported to consumer reporting agencies. These agencies keep track of any problematic financial history you may have and can share that information with financial institutions and even businesses that accept checks. This information will stay in their system for five years. Do you really want that blemish on your record?

Overdraft Fees Can Be Costly

Another thing to think about is overdraft fees. If you withdraw money from your bank account when you don’t have any money in your account, the bank will charge you a fee. The fee continues to add up the more days pass that you don’t pay the fee. If you don’t pay the fees for 60 days, many banks will close down your account and report you to one of the above mentioned consumer reporting agencies. This information will go down with the agency and could very likely prevent you from opening up another account at a different bank.

It is important to continue to think of the consequences that could ensue if you don’t pay your debts in the time that they are due. If you are late on your rent payment for the month, your landlord could very likely quick you out of your apartment or condo. Where will you go then? There are not always going to be family or friends nearby to come save you when you’re in a bind. You need the money to pay your rent now.

Payday loans have also been proven to be helpful in scientific studies. In 2009, Professor Adair Morse of the University of Chicago Booth School of Business conducted a study to see how effective and helpful payday loans were. His findings showed that in natural disaster areas where payday loans were available, people did better financially than the people in areas where payday loans were not available. Professor Morse also found that less people in areas served by payday lenders needed to be treated for alcohol and drug addiction.

It’s easy to take out a payday loan and simply forget to pay it back. Budgeting is important in this process because it will help you to section off the money that you’ll need available to pay back your loan. At Check City, we work with each customer to devise a payment plan that works best for their individual situation. You do not have to sign for the loan until you are comfortable with the payment plan we’ve outlined with you.

Budgeting can seem daunting, but it is really not difficult. The main thing you need to remember when you’re trying to pay back your loan is to not spend money unless it is absolutely necessary. You need to have all the extra money you can spare in order to pay back your loan. This is not necessary, however, if you’ve already factored into your monthly budget enough money to cover the loan. Chances are, though, that you’ll need to make adjustments in order to successfully cover the added cost of the loan.

As stated earlier, budgeting is not hard. All you need to do is try to cut back on a few of your luxuries. For example, in order to save money, you could consider cutting back on how much you eat out at restaurants. Oftentimes, buying groceries at the store and making meals in your home can save you a lot of money. It is important to remember to have a grocery list when you go to the store; otherwise, you could end up buying lots of extra items that you don’t really need. Make a grocery list and stick to it when you’re in the store.

You could also try employing the “30 day rule.” This rule applies to when you’re about to make a purchase, such as a clothing item or a household item. So you don’t get sucked into impulsive buying, wait 30 days to buy the item. Then, before you actually buy it, think about if you still want or even need this item. This can help you to reduce the amount of items you buy without thinking it through properly.

Another way to save money is to repair your clothes instead of going out and buying new ones. If an item of clothing has a hole or is missing a button, repairing the item rather than replacing it can save you great deals of money. This is especially true if you like expensive, high-quality clothing. It can also be beneficial to not fall prey to the idea that you need to buy and have the latest fashions and trends. Try to be happy with the clothes that you have, at least for now.

Payday loans are available to you if you need them through Check City. When used responsibly, they can help you manage your money through times of financial stress. Get your payday loan through Check City today to minimize the financial stress you feel. If you’re unsure as to whether getting a payday loan is the right choice for you, come in and talk to us. We’re friendly and we want to help. Payday loans can be the next step that you need to take in order to reach financial stability.

Purchasing Food Wisely

In case the average consumer has not noticed or has not been informed, the average cost of food for American families has steadily increased over the recent years.  Economic and agricultural issues have attributed to this consistent rise in food costs and they are obviously subject to change in the future.

Now, whether this change will be a decrease in costs or an increase is only something that can be projected short term. The uncertainty in the food industry is therefore something families and individuals across the nation should be taking into consideration while planning their monthly budget.

Many families and individuals are struggling financially in today’s economic situation and monthly bills and expenses quickly drain the family’s income.  One of the necessities of a family’s monthly budget is the food costs.

Food costs are and should be an integral part of any family’s budget and should be given priority over most other expenses.  The United States Department of Agriculture publishes a monthly report on the average food costs that a family can expect to pay in order to provide their members with nutritional meals.

In this monthly report, called the Cost of Food at Home at Four Levels, the USDA provides average food costs of four differing amounts of available budgets ranging from thrifty to liberal food costs.  For a family of four persons the USDA finds that it will take an average of around $500 a month to provide quality and healthy meals under the restraints of a thrifty budget.

With this in mind, a family can see the importance of not overspending on food costs.  Avoid high food costs by shopping wisely and looking for discounted food items and those things that can be purchased in bulk.  Using small payday loan from Check City may also be one way that a family can get in the black enough to maintain a stable food budget.

5 Easy Ways to Save Money on Your Food Bill

If you find yourself scrapping the bottom of the barrel every month, there are 5 easy things you can do to save money.

  1. Eat at home. Now this does not mean go out to eat and get it to go, then eat McDonald’s in front of the TV. This means that you buy the ingredients for your meals at the store and cook for yourself. Eating out for every meal costs an immense amount more per person than does cooking your own food. In fact, the more people you feed, the more money you are saving.
  2. In that same line of thought, bring your lunch to work instead of eating out. You get the very same benefits from bringing your lunch than buying it every day. It only takes a few minutes of preparation in the morning.
  3. Shop in a hurry. If you need to go shopping, make sure you have a very limited amount of time to get it done. This will force you to grab only the things you need and keep you from dawdling through unnecessary aisles. Your shopping experiences become less stressful and more successful when you have a shopping list prepared beforehand to guide you.
  4. Prepare a good list of the things you need before you shop. If you go with the knowledge of exactly what you need, you will walk out with fewer things that you want.
  5. Do not shop on an empty stomach. You can end up with a lot of things that you don’t need, even if you are shopping in a hurry, when you are hungry. Decisions are made in an instant when shopping on instinct.

Apply these simple tips to your life and you might find a nice amount of green in your food budget. Should unexpected expenses jump into your life to hurt your shopping expenses, a payday loan can help you get the money to afford what you need to get you through the next few days.

Fewer Americans are Opening Bank Accounts

A shocking number of people are not opening bank accounts these days. They say flat out that they do not need a fancy institution to hold onto their money for them. Instead, they’d rather invest their money other places and keep a store of cash under the mattress in the bedroom.

A lot of the trouble comes from being unable to afford the demands of today’s banks. Opening and funding a bank account is more expensive than ever before.

Some families simply can’t afford the financial burden of claiming a spot in the vaults of a major bank. They don’t make enough money to justify that kind of investment.

Minimum Balance Requirement Banks also demand a minimum balance be kept within the account at all times, meaning that you are instantly penalized if you do not meet those requirements. For some families, they are just earning enough to keep a roof over their heads and food on the table, they can’t afford to not have access to some of the funds at the bottom of the barrel.

Overdraft Fees, should a family forget their balance and overdraft, they are penalized $35 on average for the overdraft protection. True they managed to walk out with whatever they were purchasing, but often times, they would rather be without that purchase instead of with it and 35 extra dollars in the hole.

Many American families are turning away from the notion of a bank account because the rates are getting unaffordable. Instead, they are finding alternative ways to cash, save and spend their hard earned dollars. Prepaid plans, cash checking and payday loans are just a few of the ways they are managing. And they are doing it without the culturally pressured bank account. Guess what? They are doing just fine.

5 Great Back to School Shopping Tips

Expenses of a New School Year

The beginning of the school year can often times be the most relaxing. Life has finally calmed down at your house. The kids are all back to school celebrating their second or third straight week of perfect attendance. But with a relaxing new school year comes expenses.

Learning to prepare for back to school shopping can be very helpful. Here are a few great tips that will help you with your back to school shopping.

Make Yourself a Budget

It is easy to feel like you don’t need a budget, but that isn’t usually the case.

Creating a budget that fits all of your needs, savings and school supplies is an important key to living well and preparing for the unexpected expenses a new school year can bring.

This year make it your goal to create a budget that will work for your family. This can take a huge weight off your shoulders and make the new school year very relaxing when purchasing your back to school shopping supplies.

It is important to stick to your budget. If you don’t stick to your budget, then you will not benefit from it. As you put together a budget, make sure to work with your family to help find better ways to tailor your budget with your family.

Look Ahead

The time to plan for the unexpected is now. If you wait until the last minute, you will end up paying a lot more.

A major expense of a new school year is back to school shopping. Often times when the demand for school supplies are high, prices can raise because everyone is wanting them. Try and plan ahead and buy your supplies on a school supply sale, or when the prices aren’t raised. Throughout the year, keep your eye out for any school supplies that are on sale.

Find the Best Deals

When you are going through your school supply list, make sure you are getting your back to school shopping items at the best store possible. It is important to know who has the best prices and deals, so you aren’t overpaying.

By shopping out who has the best deals, you will really help lower your expenses of a new school year.

Make a School Supply List

Making a School Supply List can be very helpful saving time and money. Create a list early on so you can keep your eye out for promotions and sales going on throughout the year.

If you have a list, you will walk into the store knowing what you want and need. This will help from overspending and buying unnecessary school supplies.

Be Frugal

You don’t have to spend hours each day finding the best coupon, but it is a good idea to be smart when purchasing and avoid overspending.

General frugality can go a long way towards helping you save money and be better prepared for back to school shopping.


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