Chat
Customer Service: (800) 404-0254

Lending Tree Personal Loan

By using Lending Tree you can get a Personal Loan from $1,000 to $50,000. But since Lending Tree isn’t a direct lender, you’ll still have to research each loan option before picking an actual lender. For a more straightforward loan, check out the Check City Personal Loan and skip the go-between.

Does Lending Tree offer personal loans? No, Lending Tree does NOT offer personal loans. Instead, they offer services to connect customers to actual loan providers.

There are many loan providers out there that provide personal loans for all kinds of reasons. Each loan provider is different and has its own requirements, rates, and fees to consider. Lending Tree is an example of an indirect lender meaning they themselves don’t provide the loan, instead they connect you to loan providers after reviewing the information you give them so you can compare and choose a loan provider.

Lending Tree Personal Loans: A Quick Look

Lending Tree does not actually have personal loans. What they can do is connect loan customers to lenders that offer personal loans from $1,000 to $50,000. But this loan basic loan range is the most details Lending Tree can offer without more of your personal information to help them determine the kind of loan you could get. You also won’t know how much using Lending Trees services will cost you until after you give them enough personal information.

Maximum Personal Loan: $50,000

Minimum Personal Loan: $1,000

Rates: N/A

Fees: N/A

Terms: N/A

When: N/A

Basically, Lending Tree is a great place to go if you have no idea where to shop for a personal loan. They can give you a couple of loan options to go through and choose from. But it’s important to remember that Lending Tree isn’t an actual loan option, but an extra step in your search for a personal loan.

Who is Lending Tree Perfect For?

Lending Tree is a great place to go when you want some online research help in comparing loan providers. If you need a personal loan and are feeling especially lost in finding one, then Lending Tree can help you pick and choose between loans that could work for you.

Who Should NOT Use Lending Tree for a Personal Loan?

Since Lending Tree doesn’t have personal loans, it may not be the best option for those looking to get their loans quickly. If you need a personal loan fast, then Lending Tree might only make your loan process longer and more complicated. You’ll have to give them all kinds of information about yourself and your finances, then compare the loan options they provide, then go through the actual loan application process. That’s a long time to wait for the funds you need right now. If any of the items listed below sound like you, then you might want to consider skipping the Lending Tree route when searching for a loan.

  • If you need your personal loan money fast
  • If you only want to go through one application process
  • If you don’t want to give out your information to a third party
  • If you want to compare loans for free

An Alternative to Lending Tree

Instead of going through the added hassle of using Lending Tree to search for the perfect loan, take advantage of personal loan reviews like this one to sift out which loan is best for you. You can also skip the loan search entirely and take advantage of the easy to use Check City personal loan.

Reasons to Get a Check City Personal Loan:

personal  loan

  • Check City is a direct lender so you only have to deal with us.
  • Check City is a state licensed lender.
  • Our application process is quick and simple.
  • You can still apply, even if you have a low credit score.
  • We have no origination fees.
  • You can get your loan TODAY.
  • You can pay back your loan in as little as 6 months.
How to Apply for a Check City Personal Loan

Applying for a Check City personal loan is super easy to do. The process is quick and simple! All you have to do is go to our online Personal Loan Page and fill out the application form. It only takes a few minutes! You can also apply for a Check City personal loan over the phone or in the store. If you apply for your loan in the store, you can actually walk out with your money in that very same visit!

What You’ll Need to Apply:

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

Apply online.

Find a location near you and apply in the store.

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

If this personal loan option sounds right for you, don’t hesitate to give us a call, visit our website, or visit our stores and get your funds now.

COMPARE SIMILAR LOAN OPTIONS

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

USAA Personal Loan Citibank Personal Loan
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $2,500 to $50,000 $2,000 to $50,000
Rates lower APR than our payday loans 6.99% to 24.99% 5.49% to 22.99% 8.99% to 18.00% 7.99% to 23.99%
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties no origination, application, or prepayment fees no origination fee
Terms 6 months 36 to 84 months 12 to 84 months 12 to 84 months 12 to 60 months
Min. Credit Score none 660 600 high credit score high credit score

 

Personal loans all come with their own requirements, but so do you! Everyone is looking for something different in a personal loan, like the ability to refinance the loan later, or the ability to get the loan right away. You can find all these key qualities with a Check City Personal Loan!

 

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

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

American Express Personal Loan

American Express offers Personal Loans up to $40,000, but are only available to existing members. If you want a more flexible and inclusive loan then you might want to try the Check City Personal Loan, where you don’t need a card membership to apply.

Shopping for a loan can be a hassle. There are so many pros and cons to consider, from the minimum required credit scores to APR ranges. We’re here to make your loan research a little easier as we go over personal loan options near you. That way you can weight the costs and benefits of different loans in one spot and find the personal loan that best suits your personal needs.

American Express Personal Loans: A Quick Look

With an American Express membership card you can take out a personal loan from $3,500 to $40,000 and get an APR anywhere between 6.90% and 19.98%. They also don’t have origination fees, but they do have late fees for when you’re late on payments. These loans come with a shorter loan term of 1 to 4 years and you can expect to receive your funds in 1 to 7 business days after your application gets approved.

Maximum Personal Loan: $40,000

Minimum Personal Loan: $3,500

Rates: 6.90% to 19.98% APR

Fees: no origination fee, there are late fees

Terms: 12 to 48 months (1 to 4 years)

When: 1 to 7 business days

Basically, the American Express personal loan is a large loan that you pay off in a few short years. They’re generally used for home improvement, weddings, the costs of moving, or traveling. You can also use their personal loans to consolidate debts with higher interest rates. The only catch is that you’ll need to be an American Express card holder in order to even apply, so if you aren’t already affiliated with American Express you may want to look elsewhere for your loan where a membership isn’t required.

Who are American Express Personal Loans Perfect For?

A personal loan from American Express is perfect for anyone in need of a large loan that they don’t want to be paying back for more than 4 years. The American Express personal loan is most perfect for loan customers who already have an American Express card. If you’re already an American Express customer and the below items also represent your needs, then the American Express personal loan may be the perfect loan for you.

  • If you have a good credit score
  • If you need a large loan amount
  • If you want to finish paying off the loan in 4 years
  • If you already have an American Express account

Who Should NOT Get an American Express Personal Loan?

If the items mentioned in the previous section don’t apply to you then don’t worry—there are other loan options out there. Maybe you’re looking for an even smaller personal loan that you can pay off in a matter of months instead of years. If you find yourself in this category of loan customer then you should consider Check City for your flexible personal loan provider.

  • If you want a small loan
  • If you want to pay back the loan in 6 months
  • If you don’t already have an American Express account
  • If you need a personal loan today
American Express Personal Loans Pros and Cons List
Pros Cons
You can get a decision on your application in seconds You must be a cardholder to apply
The application doesn’t affect your credit score You must be preapproved to apply
They have no origination fees They do charge late payment fees

An Alternative to American Express Personal Loans

If an American Express personal loan doesn’t meet your requirements as a loan customer then you need to take a look at the Check City personal loan! It might be exactly what you’re looking for.

Reasons to Get a Check City Personal Loan:

american express personal loan

  • The straightforward service of a direct lender
  • The safety of a state licensed lender
  • A fast and easy application process
  • You don’t need a high credit score to apply
  • There are no origination fees
  • You can get your loan TODAY
  • You can pay back your loan in as little as 6 months
How to Apply for a Check City Personal Loan

The Check City Personal Loan has a fast and simple application process. All you have to do is visit the Check City Personal Loan Page. From there you can finish your loan application in just a few minutes. You can also apply for a Check City personal loan inside any of our stores, or by calling a Check City representative to apply over the phone.

What You’ll Need to Apply:

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

Apply Online.

Apply in the Store.

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

Applying for a personal loan from Check City is fast, easy, and anyone can apply. So you don’t need to already be a Check City customer and you don’t need to have a high credit score to apply. Check City also offers multiple ways to apply for your loan. You can apply online, over the phone, or at any Check City location. You only need a few things to apply and Check City personal loan applications only take a few minutes.

LOAN COMPARISON CHART

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

SoFi Personal Loans American Express Personal Loans
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $5,000 to $100,000 $3,500 to $40,000
Rates lower APR than our payday loans 6.99% to 24.99% APR 5.49% to 22.99% APR 5.99% to 20.01% APR 6.90% to 19.98%
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties no fees no origination fee, there are late fees
Terms 6 months 36 to 84 months (3 to 7 years) 12 to 84 months (1 to 7 years) 24 to 84 months 12 to 48 months (1 to 4 years)
Min. Credit Score Check City doesn’t pull a traditional credit check, and if you have a low credit score you can still apply for a Check City personal loan 660 600 680 660

 

Personal loans come with requirements and so do you! You need a personal loan that works best for you and your needs which is why you’re researching loan providers before making a choice. Everyone is looking for something different in a personal loan; like the ability to refinance the loan later, or the ability to get the loan right away. You can find all these key features with a Check City Personal Loan!

 

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

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

SoFi Personal Loan

SoFi offers Personal Loans up to $100,000, but only to those with a $45,000 annual income and 680 Credit Score. If you need a Smaller, more Flexible Personal Loan than the Check City Personal Loan might be right for you!

Loans comes with their own requirements and so do you as a loan customer! Every loan is going to come with different costs and benefits, so it’s important to do a bit of loan shopping and research before you make your final choice. That way you can get the loan that makes the most sense for your own personal needs.

SoFi Personal Loans: A Quick Look

A personal loan from SoFi can be anywhere from $5,000 to $100,000 with an APR range between 5.99% and 20.01%. SoFi personal loans don’t have any fees outside of their interest rates and you can pay back your loan in 2 to 7 years. SoFi even offers personal loans for students to refinance their college debts.

Maximum Personal Loan: $100,000

Minimum Personal Loan: $5,000

Rates: 5.99% to 20.01% APR

Fees: no origination fee, no prepayment fee, no late fees

Terms: 24 to 84 months (2 to 7 years)

When: 1 to 7 business days

Basically, the SoFi personal loan is a larger loan with a longer payment term. The Sofi personal loan is most commonly used to pay off credit cards, invest in home improvements, moving costs, medical bills, student loans, and other larger purchases. They also offer a fixed payment plan.

Who are SoFi Personal Loans Perfect For?

The SoFi personal loan is great if you need to consolidate large debts with high interest rates. It’s also a good loan if you need a larger loan for things like major home improvements or college tuition. If you need a much larger loan and you meet the below requirements, then this loan may be perfect for you.

  • If you have a credit score of 680 or higher
  • If you need a large loan amount
  • If you want a longer loan term
  • If you already have a SoFi account

Who Should NOT Get a SoFi Personal Loan?

If the items mentioned above don’t work for you, or you just need a quicker, smaller loan then the perfect loan option for you is still out there. If the items listed below better suit your loan wants and needs then you might want to consider coming to Check City as your personal loan provider.

  • If you need a smaller loan
  • If you want to finish paying back the loan in 6 months
  • If you don’t already have a SoFi account
  • If you need funds fast
  • If your credit score can’t afford a hard credit pull
SoFi Personal Loans Pros and Cons List
Pros Cons
Fixed rates and monthly payments Hard credit pull that will affect your credit score
You can get a larger loan up to $100,000 You need a 680 credit score or higher
They have zero fees for their loans Can take up to 7 business days to receive funds
Need an annual income of at least $45,000

An Alternative to SoFi Personal Loans

Check City offers a unique loan solution than other loan providers. SoFi personal loans may not meet your requirements as a loan customer and in that case you can check out the Check City personal loan! It might be exactly what you’re looking for.

Reasons to Get a Check City Personal Loan:

sofi personal loan

  • The straightforward service of a direct lender
  • The safety of a state licensed lender
  • A fast and easy application process
  • You don’t need a high credit score to apply
  • There are no origination fees
  • You don’t have to wait, you can get your loan TODAY
  • You can pay back your loan in as little as 6 months
How to Apply for a Check City Personal Loan

The Check City Personal Loan application is fast and easy to do. All you have to do is visit the Check City Personal Loan Page. From there you can quickly fill out the application on the side of that webpage. You can also find a nearby Check City store to apply or give us a call to apply over the phone if either of those options works better for you.

What You’ll Need to Apply:

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

Apply Online.

Apply in the Store.

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

The online application for a Check City Personal Loan is incredibly easy to do, but if you want your funds even sooner, you can apply in the store and get your personal loan funds the SAME DAY! Our personal loans work well for anyone who needs a fast, small loan that you can finish paying off in just 6 months rather than years.

Check City Personal Loans are also a helpful option for anyone with a low credit score, or who can’t afford a hard pull on their credit score right now, because we don’t pull a traditional credit report when processing a loan application. If this personal loan option sounds right for you, don’t hesitate to give us a call, visit our website, or visit our stores and get your funds now.

LOAN COMPARISON CHART

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans

Chase Auto Loans Bank of America Auto Loans Capital One Auto Loan SoFi Personal Loans
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $4,000 to $600,000 min. $7,500 min. $4,000 $5,000 to $100,000
Rates lower APR than our payday loans 6.99% to 24.99% APR 5.49% to 22.99% APR depends min. 2.99% to 5.99% depends 5.99% to 20.01% APR
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties depends no application fee depends no fees
Terms 6 months 36 to 84 months (3 to 7 years) 12 to 84 months (1 to 7 years) 12 to 84 months 60 months depending 24 to 84 months 24 to 84 months
Min. Credit Score Check City doesn’t pull a traditional credit check, and if you have a low credit score you can still apply for a Check City personal loan 660 600 high credit score subject to credit approval subject to credit approval 680

 

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

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

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

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

5 Reasons Why You Shouldn’t Stop Your Holiday Job Search

Keep Looking During the Holidays

If you are in the job market during the holidays and want more than seasonal employment, don’t worry, there is hope to find a job. Many falsely assume that job postings are gone for potential employees during the holidays and that assumption gives you the distinct advantage. Job postings are just as popular during the holidays as they are any other time of year.

Many employers are looking for more than just seasonal help. In fact, many employers want to hit the ground running on day one of the New Year. So, looking for a job during the holidays is possible! Here are some tips and trick for your holiday job search:

Less Competition

If you are searching for a job during the holidays, you can actually have an advantage over other candidates. Many employers are preparing to hit the New Year fully staffed. Because many people assume that employers are not hiring through the holidays, candidates may be scarce. You can use the employee scarcity to your advantage. With less competition, this will make your holiday job search a lot easier.

Holiday Hours

With the added business of the Holiday’s, a lot of employers are searching for long and short term employees. Even if it’s a short-term winter seasonal job, that’s okay, this could be a great opportunity to prove yourself and open a door. There are plenty of seasonal jobs that are great, and could lead to a potential full-time position.

Network

If you meet someone who might have the connections you are interested in, make sure to follow-up with a lunch invitation, greeting card or a phone call. If your friends and family aren’t aware that you are in the job market, let them know. Holiday parties are a great way to meet people and network. In order to keep the meetings light and airy, find a common theme you can use to break the ice. You can definitely use these holiday parties to make connections toward your employment goal.

The holidays are a great opportunity to reestablish relationships with former bosses and coworkers. You can use a simple greeting card and a small gift to make a good impression and open a networking dialog. If you’ve lost touch, you can search for them via social media! Networking is really important for your holiday job search.

Social Media

Social Media is another great tool in your job search. Keep your social media up to date with good content! That way, friends and people you meet can contact you. When you are using your social media accounts, it’s vital to make sure your public persona is professional. In today’s world, if employers catch a whiff of controversy on social media, it can cause an offer to be revoked.

You can also find great job opportunities through social media. Keep your eye open for job postings on social media! A lot of employers will send a post via social media when they are looking for new employees.

Recruiters

Take a moment to reintroduce yourself to recruiters you may have met along the way. A tasteful Christmas card with a packet of flower seeds can make a memorable impression. You could also include a small reminder of how and when you met. For instance, if you met at a work-related event, mention the event and something memorable about that event. You might also include a business card as a memory jogger.

If you are looking for a job, the holidays can be a perfect opportunity to get your name out there. You can beat the rush and have less competition in the job market. Don’t hold back during the Holiday season, keep searching for your dream job! Good luck with your holiday job search!

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.

Find the Best Black Friday Sales with These 5 Tips

Black Friday Shopping!

Shopping for Christmas can be fun or a chore. If you watch the sales, you can usually find some good items on sale throughout the year. If you shop Black Friday, however, you can usually find the motherlode of sales! Black Friday has become a shopping tradition. Retailers have dedicated websites to Black Friday Sales all year. Here are some great tips to help you find the best Black Friday sales!

Beat the Crowds

The crowds on Black Friday can certainly be daunting. Some retailers have done away with the lines snaking around the outside of the building. Some stay open on Thanksgiving and have dedicated lines for each of the major sale items. They assume you’ll shop for other items while you wait in line.

If you’re looking to beat the crowds, consider shopping at the mall. You can find smaller crowds at the mall, with more store options in one place. Another great option to find the best Black Friday sales are by finding pre Black Friday sales. You can find great sales the week of Black Friday and miss the massive crowds on Friday.

Budget

In order to take advantage of the best of Black Friday, and not break the bank, set a budget for shopping. With your budget for all Christmas expenses in mind, decide how much you are willing to spend on Black Friday. If you have a budget in mind when you comb through the Black Friday ads, you’ll be able to keep a level head for your shopping extravaganza. With a firm budget in mind, you’ll be able to withstand the overpriced impulse purchases around every corner.

Plan Ahead

During the weeks leading up to Black Friday, scour the Black Friday sale websites and jot down the items you are shopping for, keep your budget in mind and plan carefully. If there is an item you are holding out for, consider calling the store and asking where they will place this item! While you are doing your research, look for great pre black Friday sales! Often, Black Friday isn’t just on Friday, it’s all week.

Some retailers have specific hours for specific items. Make sure you keep the availability times in mind. For instance, if the TV you are looking at is only available from Midnight to three am, make sure you keep the time deadline in mind. Also, be aware that some high-demand items, such as game consoles and TV’s may be offered in limited quantities. If you are after these items, make sure to prioritize these items. If you are looking for several high-demand items, either prioritize your list or bring your friends and station them at various items. Planning ahead is a great way to help you find the best Black Friday sales.

Price Matching

Depending on the store, some will actually price match! Don’t be hesitant to ask, because you can really end up saving a lot of money doing this. Some will price match anywhere from their competitor next door, to their competitor online! This can be very convenient because you can walk out with everything you need with the best prices available.

You Don’t Need It

Always remember that just because it’s on sale, doesn’t mean you need it! That’s why it is always important to plan ahead and map out exactly what you want and need. It can be very difficult to pass up a great sale or Black Friday item, but it’s not worth it if you don’t need it.

Enjoy your Black Friday shopping! Be safe and find some great deals to start your holiday season.

4 Great Thanksgiving Service Ideas

Serving Others on Thanksgiving

Thanksgiving is quickly approaching, and it is a prime time to serve others who are less fortunate. This is typically one of the most popular times of the year for volunteer work. With all of the celebrations, gifts, and heavy meals, it is a great time to lend a hand to those who are less fortunate. The holiday season can be a very difficult time for many people, so this can be a great time to perform service.

Helping others brings a sense of happiness and worth no matter your circumstances. Whether you have an abundance to share, or are struggling and need to get a sense of perspective for your own life, serving others can be a great way to ground yourself and find peace during the holidays. There are so many different ways to serve others. Here are some great Thanksgiving service ideas:

Soup Kitchens

Consider volunteering at a local soup kitchen to help feed the poor and homeless. Soup kitchens are always looking for people to help setup the service area, collect the food, prepare and serve the food. The kitchens are always grateful for helpers, and usually offer flexible schedules and roles. You can spend the day helping others feel a critical sense of connection.

Meals on Wheels

Deliver meals to the elderly in need. You can usually find opportunities at local churches or organizations to deliver meals to the elderly or others. For a small investment of your time, you can help make a family feel connected and happy during the holidays.

Visiting

Visit people in nursing homes or hospitals. You can call a nursing home, or hospital, and ask if they have someone who might need company on Thanksgiving. By determining the age and health of the people you’ll visit, you can tailor your visit to their needs. For instance, you might talk, sing, or enjoy a meal with the residents. Consider taking a small gift to make someone’s day a little brighter.

Fundraise

You can be part of a fundraising opportunity for your holiday. You can participate in a race and raise money for a good cause. If you aren’t up to running the 5K, consider volunteering at the event. You can contribute to a good cause and enjoy the air!

There are many great Thanksgiving service ideas. From fundraising to soup kitchens, the opportunities are amazing. Each offers a sense of well-being and connectedness that can ground you into your own life and make you grateful for your own set of challenges. Thank you for reading, we hope you have enjoyed these Thanksgiving service ideas.

Help Limit Spending With These 4 Tips

Most people are continually on the lookout for different ways to limit spending. Saving money is a common and essential practice among most individuals. Different methods to be smart with one’s money are always being studied, adjusted, and modified. Some methods to help limit spending have always been in place for generations and they continue to be intelligent money management solutions. Others seem to fade as better and more efficient methods are created. Although there are new ways, it’s always important to remember those methods that have been around for generations. Some of these time honored solutions to help limit spending include:

Opening a Savings Account

Opening and contributing regularly to a savings account is one way to limit your spending. If you do not have a card that is linked directly to your savings account, then it is harder to spend the money in that account. A growing savings account can look more and more tempting, so it’s important to set goals in advance what you are going to take out. You may want to have two separate savings accounts or at least two sections of money in your savings account. One section for specific needs like education, vacation or food and the other section for emergency needs.

Budgeting

There is nothing like good old budgeting. Setting and sticking to a budget is hard, but it is one of the best ways to save money and limit spending. By living within your means you can save more money each and every paycheck. If you have never actually set and stuck to a budget before you can try it out yourself or you can try talking to a professional. Sometimes if you get someone else involved you can cut more and really limit spending. Budgeting is a great way to see exactly where all of your money is going. It is very helpful and will help you reduce unnecessary spending. There are a lot of very good budgeting tips and techniques like envelope budgeting, spreadsheet budgeting, etc. Talk to a professional to see what technique best fits your situation.

Use Cash

One additional way that people can save more money is by using cash to pay for items instead of purchasing items with a credit card. This may seem like an old fashioned idea but it is for that very reason that it will work for you. In today’s market, it is rare to see paper money changing hands at the grocery store or other similar mercantile places. With the convenience of credit cards in place of money, there is a trend emerging among individuals who overspend on their credit cards not realizing that they do not have the funds necessary for their purchases. By using cash, people will be less likely to spend money on items they don’t need because they see the physical loss of money at the time of purchase.

Consider purchasing a prepaid debit card from Check City. A prepaid debit card from Check City will have the same money saving result as using cash because you decide how much money to put on the card at any given time. This way you can get the best of both worlds!

De-Clutter

Although this isn’t a “classic” way to limit spending, it is a very creative way. This may just seem like a keyword for cleaning your house but it can actually help you limit your spending. How so you ask? By eliminating the clutter in your home you make it nicer to live in and nicer for other’s to come visit. This will result in staying in and eating your meals in your clean uncluttered house. Now you can spend more time eating at home and having friends over to do fun activities instead of going out and spending money.

We hope you have enjoyed these tips to help you limit spending and save money. Thanks for reading!

4 Reasons to Start Early Christmas Shopping

Christmas Shopping

Christmas shopping can be a joy or a chore. Trying to find the sold out, overpriced gift the day before Christmas in a crowded store can be very stressful. But don’t worry, we are here to help! With these early Christmas shopping tips and tricks, your Christmas shopping experience will be nothing but fun.

Save Money

It’s never too early to start Christmas shopping! Don’t wait for the high prices around the Christmas season. Start now, and chip away at your Christmas list. Whether you have a large family, or small, your budget will feel less of a pinch if you spend a small percentage each month, rather than a chunk in December. Not only can you save money by spreading out your Christmas shopping, but you keep the spirit of Christmas alive all year. You can savor the feeling of finding just the right gift for a loved one.

Save money by early Christmas shopping during big sales. Take advantage of great prices and sales and look for Christmas gifts. From Black Friday to Holiday/seasonal sales, these are all great ways to save money.

By getting your shopping done early, you can have a stress free holiday season and spend your time with family and friends, rather than stressing about Christmas shopping.

Early Essentials

Start your Christmas essentials shopping the day after Christmas. Lights, tinsel and other decorative necessities go on steep discount after Christmas. This is the perfect time to stock up on decorations for next year’s festivities. It may be challenging shopping for Christmas decorations after Christmas, but you will thank yourself for doing that a year later. Don’t be late, start your early Christmas shopping today!

If you have kids, you might want to carefully consider what your kids will like in a year’s time. If your kids like toys now, will they in 12 months? Any gifts you buy at this time should be a projection of what will be pleasing later.

Make a List

Start with a list of family and friends you intend to buy for. Include doormen, bus drivers, no matter how small, your list should be complete. Review your list periodically to keep your recipients fresh in your mind. Reviewing your list is really helpful so you won’t lose track of anyone. If you’ve missed someone, add them to the list so you can buy for them later.

Everyday Shopping

While you are doing your normal shopping, keep an eye out for the perfect gift for someone on your list. If you’re looking for a blouse, and spot a dress your mother would love, buy it and put it away.

As you buy items for your list, remember to put all the gifts in the same place. If you leave gifts in various places, you run the risk of misplacing gifts, or the recipient sees the gift lying around. When you keep the gifts in the same place, you keep the idea of “gift” alive and well.

When you plan your Christmas shopping throughout the year, you can save money, time, and stress. If you have your shopping done early, you are free to enjoy the holidays! Start your early Christmas shopping today!

Refresh Your Old Furniture With These Tips

Reinvigorate Your Furniture

As spring is coming, it’s time to freshen up your home and furnishings. If you’re on a budget, or aren’t ready to replace your furniture, there are ways to refresh and revitalize your furnishings with a few tips and tricks. No matter your budget, you can easily revitalize and refresh old furniture in unexpected easy ways. Keep reading so you can learn how to refinish furniture:

Upholstery

Your upholstered items may be a little worn and need some TLC. Many chairs and other furniture need new fabric and padding to get a fresh look. The best part about this option is that you can pick your own fabric and determine how much cushion you want your furniture to have. You have a lot of flexibility for your own design. You can make previously non-matching chairs suddenly complement each other. There are many DIY upholstery options that are great.

At times, simply changing the filling of your pillows does the trick. After a while, your couch pillows lose some of the spunk they had before. They can get flat and hard to your head, making them ugly and uncomfortable. In many of these cases, you can go to a local craft store to pick up some new filling. Unzip or open a seam in your pillow to remove the old and put in the new. Be sure to tear apart the poly fill inside the pillow to maximize the fluff. Note: These instructions are for pillows that sit on your couch, not the cushions you sit on. Those take a special kind of firm filling.

In addition to upholstery, consider updating the legs on your sofa or chairs. You can add a tapered leg for a modern elegant look, a round bun foot for traditional, or a winged Queen Anne foot. Each leg on your sofa or chair can add a subtle, yet elegant effect.

Wooden Chests and Tables

Wooden tables and chests can be refreshed with a nice refinish. There are many different ways to learn how to refinish wood furniture. A simple can of varnish can make even the most faded wood look brand new. If your wood has water marks or stains, a little mayonnaise can buff out the stains. Simply rub the mayonnaise into the wood and leave for about 30 minutes, and then wipe off. The oil from the mayonnaise will seep into the wood and cover the water marks. Once the stains have been buffed out, add your varnish and the chest will look new.

If varnish isn’t your thing, consider a coat of paint. Black paint can create an immediate air of elegance, while a bright color offers a whimsical feel. Painted furniture can instantly update and refresh your room. If neither varnish nor paint appeal to you, you can add a mirror finish. Cover your furniture with inexpensive acrylic mirror material, which can be cut in interesting shapes for a glamorous and high-end look.

New chest knobs can instantly change the look of your wooden chests. The available knob styles are infinite and varied. For instance, you can create a sense of elegance with a simple decorative knob. You can create a sense of Shabby Chic with glass or porcelain knobs. Throw some new knobs on your furniture today and completely change the look and style of them within minutes.

No matter your level of experience, you can refresh and reinvigorate your furnishings with a few easy DIY projects. The change is only limited by your imagination. There are a ton of things you can do to reinvent the furniture you already have. There are plenty of tools available to you to do it too. So next time you want to replace a piece of old furniture, try reinventing it instead. You could wind up with a new piece for a much cheaper price that you can love for years again.

We hope you have learned some great tips on how to refresh your old furniture. Thanks for reading!

NEED QUICK CASH?

start your application

* Required Field

 

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

Apply Now Or Call 1-800-404-0254

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