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Using Prepaid Debit Cards to Cover Costs without Worry

Prepaid debit cards are a great asset to have. Whether you are gifting money to someone else or you would like to have a more theft proof account for your own purposes, these cards make it easy to pay for things without worry. As such, these cards have a lot of utility and benefit connected with them. It is worth it to look into what you can do with a prepaid debit card at this time.

Should you want to gift money to someone else, a prepaid debit card is a very fast and easy way to do it. You can load funds onto these cards which are then drawn from until completely depleted as the cards are used. Since the account used is self contained, you don’t have to worry about other people interfering with it at all, giving you a completely secure method of giving money.

Another benefit to using a prepaid debit card is the fact that you can use it as a primary way of spending without needing to worry about account security. You can use a prepaid card for transactions, and then transfer funds into it as needed. This way, you will not need to worry about identity theft if the card is misplaced or stolen. As the account is self contained to the amount on the card, it cannot really be utilized to farm further funds from you if stolen.

Lastly, these cards are great if you want to stay within a budget. By loading specific amounts onto them, you can completely control the amount of money that you will spend. For budgeting purposes, this is a very useful function and it should lead to better results overall.

At Check City, we are proud to offer great prepaid debit cards for you to select from. Visit any of our locations in order to pick one up today!

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!

Being Able to Manage Your Credit Cards

If you are having any kind of issue with credit card debt or problems with too many cards and lines of credit, it can seem a bit overwhelming at times. Such issues can be stressful to deal with and it can be a bit confusing figuring out where to turn or what to do. The good news is that there is always hope when it comes to credit card situations.

Being able to manage your credit cards is mostly about simplification and building up good financial habits over time. If you are having problems keeping a lot of cards and lines of credit separate, then cutting down on the total number of cards that you have is a good idea. You are going to ideally want to have one or two credit cards to use.

Please note that cancelling a card does not take care of unpaid credit issues. Therefore, pay off cards in full and then cancel them in order to avoid penalties there. Use your remaining one or two cards for all of your purchases, and try to pay them back promptly. Doing this will not only simplify things and make it easier to keep track of your finances, but this will also be a viable way to improve on your credit score.

Improving your credit score and getting all of your lines of credit under control are both great goals, and if you can combine them then that is even better. When it all comes down to it, a lot of people run into problems because they grab cards and lines of credit and think that it somehow equals more money. Instead of doing that, being consistent and careful with credit cards will lead to better financial power. Try it out! It is a very effective process overall.

If you’re sick of credit card debt and bank overdraft fees, try the Check City NetSpend Prepaid Debit Card! No hidden fees or overage charges.

Big Changes for Online Shoppers

If you are used to shopping online, you may find that your bill will increase in the next few months.  Amazon, a large internet retail company, will start to charge sales tax in eight more states over the next few years.  Starting in September, Amazon shoppers in California and Pennsylvania will start having to pay sales tax for what they purchase.

As Amazon starts to build more physical locations, they will be required to charge sales tax for the states in which they are present. Amazon is hoping that they can offer same day delivery to more of their customers. Amazon is in the bargaining process with a few of the states, because they are bringing thousands of jobs to the states.

Shopping online can be a great way to save money and time.  As people all around the United States start shopping online, you may want to give it a try.  If you do not have a bank account a Netspend Prepaid Debit card may be exactly what you need to shop online.  Stop by any Check City location and sign up for your Netspend Prepaid Debit Card.  This card will give you the ability to spend money online, without worrying about having to send money securely. Having your money intercepted can be dangerous and frustrating.

After signing up for your Netspend Prepaid Debit card, you can explore the many different tools that come with the card. Budgeting is a lot easier when an online tool tells you exactly where you have been spending your money.  Working with the online tool is a great way to ensure that you are spending money where you want to be spending the money. After you run out of money on the card, you can simply reload it with the cash that you are able to spend.

3 Great Tips to get out of Debt Fast

Often times you may wonder how to get out of debt quickly. Here are 3 great tips to help you:

1. Spend What You Have

Start paying for things with cash or debit cards and resist the urge to splurge on a cute new purse or the latest smartphone. The sooner you stop spending money you don’t have, the sooner you will get out of debt fast.

2. Look for Ways to Increase Your Income

You might not be a reckless spender—you may simply need more income to eliminate debt. Consider the following ideas:

  • Sell things you don’t need. Do you have kitchen appliances that haven’t been used in 8 months or clothes you haven’t worn for years? Consider selling these items at a thrift store or garage sale. You can also sell new and used items online. Consider listing old video games, college textbooks, or that camera lens you don’t really need.
  • Find ways to make more at your current job. Are you overdue for a raise? Do you have an opportunity to apply for a promotion? Can you get paid extra for overtime work? Does your boss need someone to help with an extra project on weekends? Start looking for opportunities at your current job to make more money.
  • Look for a new job. If your current job pays too little, consider applying elsewhere. Job hunting can be stressful and time consuming, but you might find a great new opportunity.
  • Look for a second job. If you love your current employer, or can’t risk moving for a new job, consider looking for extra work. You may be able to do freelance work online after you get home from the office, or take a part time job coaching a high school soccer team.

3. Look for Ways to Reduce Expenses

While increasing your income is a great way to get out of debt fast, reducing your expenses is also an important step. This will help you avoid racking up more debt, and you can use the money you save to pay things off.

You can reduce your expenses by eliminating things you don’t need and making smart substitutions. Here are some ideas to get you started:

  • Cancel your cable subscription.
  • Reduce the data on your phone plan.
  • Make coffee at home.
  • Switch to a generic brands at the grocery store.
  • Plan a hike instead of going to the movies with friends.
  • Pack a lunch instead of going out to eat on your lunch break.
  • Sell your car and use public transportation to get to work.
  • Make dinner at home for date nights instead of going out to a restaurant.
  • Cancel your gym membership and go running in your neighborhood.
  • Eat leftovers.

5 Educational Summer Activities for Kids

Keeping Kids Actively Engaged This Summer

As kids finish up with the school year, it is important that parents keep their kids minds working throughout the summer. This doesn’t mean that you have to push your children into a school setting, but it is important that parents make learning a part of their summer vacation. There are many ways that parents can continue to keep children interested and engaged in learning throughout the summer. Here are some awesome summer activities for kids.

Go On Learning Excursions

Right outside your front door is a world waiting to be explored. Take your kids through your neighborhood and look for signs of wildlife. Ask them to find food sources, predators, omnivores, etc. Where do animals and insects live within your neighborhood? How do they interact with each other? Ask them questions to help them think about it and learn. This is a great example of free summer activities for kids.

As the summer moves along, take your children to explore a wider area. If you live near the woods, go spend an afternoon hiking and exploring. Have them bring back “samples” of twigs, bugs, dirt, and anything they think is cool.

When they go back to school in the fall, your kids will be equipped with a renewed interest in science and their environment. They will be more aware of their surroundings, and eager to ask questions to their teachers and peers.

Get Crafty

Arts and crafts engage your child’s mind and keep it active during the summer months. Think of all the awesome things you can create: masks, booklets, scrapbooks, drawings, pop-up books, clay figures, and much more. It is a great way to keep your child entertained while becoming very creative. Art is a great free summer activity for kids.

Learn a Musical Instrument

Learning a musical instrument is a great way to keep your brain active. If you want your child’s mind to stay limber, alert, and creative, then learning a musical instrument is a great idea.

Go to Museums, Zoos, etc.

Your kids went on field trips while they were at school, why can’t they do the same thing in the summer? Learning opportunities abound in your city—go check out local zoos, museums, and monuments. You’ll be surprised at what your community has to offer.

Get Reading

Reading is a great way to keep a child engaged and is an awesome summer activity for kids. Teaching a child to enjoy learning can be very beneficial. Take your child to your local library, and let them pick out a different book each week.

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