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Are You Paying Too Much for Your Internet? Here are 6 Ways to Save.

For most people, having access to high-speed internet both at home and mobile is a must in today’s world. From accessing work emails to browsing the web and social media channels, having reliable internet access is required. With this great tool comes the cost of accessing this both at home and on mobile devices. Since this is a cost, it is very important to make sure you are not overspending. On average, most Americans spend between $100-$300 each month on internet, cable and cell phone services, so this is not a small annual part of the budget. Even if you are happy with your current provider, there is a chance you may be spending too much and here are 6 ways you can save on your monthly bill: Buy your Router and Modem Instead of Leasing Lower your Cell Data Plan and Rely on Wi-Fi Examine your Bill for Excessive Fees and Shop Around Move other Services to Your Provider Drop Cable Services Drop your Landline   Buy your Router and Modem Instead of Leasing Do you intend to stay with your current ISP (internet service provider) for a while? It costs you every month to rent your network hardware from your ISP and you can save over the long haul by owning the equipment outright. Once your provider has already established your home network, take the time to examine your hardware, figure out the model and purchase one yourself. The average cost of a router is around 3-4 times...

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5 Ways to Cut Down on Unnecessary Expenses in 2019

What does the sleek Tesla Model 3 in your neighbor’s driveway have to do with cutting down on household expenses? The monthly payments on the $43,000 hybrid car are not cheap. While researching the best ways to reduce expenses, we quickly discovered that green consumers not only nurture their environmental conscious, but also save a lot of money. Three of our top five ways to reduce unnecessary expenses involve adopting consumption habits that protect the environment.   Adopt an eco-Lifestyle   Here are a few ways the green consumer can save money by reducing, reusing and recycling. Reduce – Reduce waste by avoiding disposable items. Recyclable plastic and bamboo plates and cutlery can be reused at parties and picnics. Many coffee shops will give you a discount if you bring your own cup. Cut down on your gas bill by using public transportation or carpooling to work. Reuse – Buy secondhand clothes at thrift shops. By shopping at the Salvation Army, you can recycle clothing while donating to a good cause. Host clothing exchange get together with your friends each season. Recycle – Some stores will let you trade in your used cell phones, computers and other goods for a discount towards a new item. The Apple Give Back program will give you credit toward a new iPhone, iPad, or Mac when you trade in your old one.   Use a Smart Energy Meter   Over 50% of US households are already reducing their electricity, gas, and water bills by...

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The Best Second Hand Clothes to Buy

Northcash is not affiliated, associated, endorsed by, or in any way officially connected with the companies, brands, services or websites mentioned and linked to in this article. Reference to these parties is strictly for editorial and descriptive purposes only. If you shop at the right places, you’d be surprised at the quality of the second hand clothes available at discounted prices. It generally takes a bit of hunting to make sure you find items in line with your specific style and budget, but the effort is usually worth it as you discover new favorites for future shopping ventures. Consider the following sources before your next budget-conscious shopping spree: Garage Sales Don’t be fooled by the name; you could come away with some high quality, brand name second hand clothes at garage sales. There’s no question the clothing could be yours at a fraction of the cost; it just depends on your dedication in hunting for the right style and fit for you. You could find valuable, out-of-stock pieces for men’s and women’s fashion from popular brands. Just remember, be patient and don’t be afraid to negotiate prices! eCommerce Bargain Sites There are plenty of online spots where you can get good second hand clothing. Out of all of them, eBay is by far the most recognized vendor; you can find Ralph Lauren, Gucci, even Vera Wang hand-me-downs that have retained much of their original glory and are going for a fraction of the price. Oftentimes, the seller will have worn...

Top Ways to Save Money at Home

These days many people have debt, which means that we are all trying to save money wherever and however we can. In many cases, this means finding multiple ways to make use of things we already have or adopting better consumption habits. By exercising a little frugality, you can save anywhere from a few dollars a day to hundreds every month. Consider these simple ways to save money at home:

Inexpensive Winter Activity Ideas for Families

Every winter, you’re likely to find your family suffering from cabin fever at some point. It could be the weather, school holidays or just plain boredom. Whatever it is, if your family is suffering from the winter blues, these fun and cheap activities could be just the thing to alleviate the winter doldrums! See our list of winter activity ideas for families to start planning your own this season:

5 Tips for Buying a Used Car

Choosing a used car over a brand new vehicle comes with a wide range of advantages. Apart from typically being more affordable, used cars tend to preserve their value over a longer period of time. But in order to buy the best used car that fits your need and your budget, research is crucial. Here are five essential tips for buying a used car.  Determine Your Budget Setting a strict budget cap is the first thing to do. The step will keep you from going overboard and it will also limit the number of available options. Also, if the car you have your eye on is out of warranty, you may want to set aside an extra emergency fund that can be used for unexpected car repairs as well as necessary maintenance. Research Now that you have your budget, it’s time to research models. Every model has its benefits and shortcomings. Do you want a small automobile? Do you want a bigger vehicle that can carry a lot of weight? Is ease of parking a main concern? Do you want an economic vehicle that uses small amounts of fuel? Do a bit of research based on your list of priorities and narrow it down to a couple of models that are reliable and within your budget. Check the Vehicle and Its History When going to inspect vehicles, it’s a good idea to bring someone along who knows what to look at. Getting a Vehicle History Report is another essential step. This...

How to Reduce Car Repair Costs

Unexpected car repairs can be a real budget buster. Even if you own a reliable car, there’s always annual maintenance and eventual repairs to be done. Since it can’t be avoided, you might as well try to save on car repair costs any time you can. Here are our 5 tips for reducing your car repair costs: Keep up the maintenance It won’t eliminate repairs entirely, but car parts last longer when properly maintained. It also minimizes the chances of something major catching you by surprise. Regular maintenance is always cheaper than a major repair caused by neglect. Do it yourself You can save on car repair costs by doing it yourself. There are books, electronic databases and videos that can help nurture your inner mechanic. Most can be accessed for free online or from your local library. Repairs aren’t always easy, but simple ones can be done with average mechanical ability and a good instructional video. Trade services If you can’t work on yor car yourself, you may know someone who can. You can offer something like dog walking, babysitting, or tech services in exchange. Compare prices and look for specials If you have a choice of where to take your car, it doesn’t hurt to shop around. Try to be proactive and get multiple quotes for upcoming repairs before you have to make a decision out of desperation. Always ask what’s included to make comparisons easier. Be wary of extremely high or extremely low estimates. Keep good records...

What to do on a Staycation? 5 Ideas That Stay On Budget

Maybe you don’t have the budget to embark on an extensive adventure or perhaps you just don’t have the time to get away from the office. Either way, a staycation lets you kick back and relax without having to pack your bags and book a flight. You might want some time to yourself or you might be looking to spend some time with your loved ones; on a staycation, anything goes! Here are some great ideas for what to do on a staycation: Have A Spa Day Planning a little at-home pampering is a great opportunity to relax and unwind. You can fire up the jets in your soaker tub or hot tub and even add some bubbles. Maybe grab some products ahead of time to do your own hair, skin or nail treatments. Bypassing a trip to a high-end, high-priced spa doesn’t mean you can’t indulge in a little R&R in your own at-home spa! Go Camping This idea is great especially if the kids are involved. You can pitch a tent in the backyard, grill hot dogs, make s’mores and sit around your own fire pit. Plus, it’s much more convenient than adventure camping because you can easily access the conveniences of your own bathroom and kitchen if need be. Not to mention, you don’t have to pay a fee to enjoy the outdoors and camp in your own backyard. Plan a New Dining Experience You may have always wanted to travel to Maine for their lobster or...

If you’re like most people, you make an annual/monthly budget and later discover that you forgot to include all sorts...
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There is a prevalent belief that going into overdraft on your bank account is actually cheaper than taking out a...
Many of us strive to be a more eco-conscious but at the end of the day, actions speak louder than...
Having a wedding is an expensive endeavor. The average cost of a wedding is $26,645, but many couples manage to...
Having a hard time deciphering your credit score? Our infographic will help you understand the details of your credit score.
Apps can do anything these days. So it only makes sense that you can find so many great smartphone budgeting...
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Northcash is an economic arm of the Fort Belknap Indian Community, a federally-recognized Indian tribe located in Hays, Montana. The Tribe and its businesses have governmental sovereign immunity and have not and are not waiving that immunity for any purpose associated with the consumer lending business of Northcash and therefore Northcash is not subject to suit by you or any third-party for any reason. CAUTION: IF YOU ARE NOT COMFORTABLE DOING BUSINESS WITH A SOVEREIGN INDIAN TRIBE THAT IS NOT SUBJECT TO SUIT, YOU SHOULD IMMEDIATELY DISCONTINUE USING AND ACCESSING THIS SITE. We may from time to time in our sole discretion and without notice to you modify the terms of this Agreement and/or change the rules that govern your use of our Site.

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This is an expensive form of borrowing, and it is not intended to be a long-term financial solution. Northcash loans are designed to assist you in meeting your emergency borrowing needs. The Annual Percentage Rate (APR) applied to your loan will vary depending on the pay period with the maximum APR on any Northcash loan being 795%. This is a term installment loan with approximate equal payments, but you have the right to prepay at any time. Any instances of late or non-payment may be subject to additional fees, such as NSF and late fees, as well as collection activities Before borrowing, we ask that you assess your ability to repay the amount you borrow.

You acknowledge that by submitting and completing the loan application that you are applying for a loan. We verify loan applicant information through credit reporting agencies such as Clarity, Factor Trust, and DataX. We may obtain your credit information in order to determine your eligibility and ability to repay.

Northcash does not lend to residents of Arkansas, California, Georgia, Maryland, Minnesota, Montana, New York, Pennsylvania, Virginia and West Virginia, or to members of the military or their dependents.

The availability of online installment loans are subject to change at any time at the sole discretion of Northcash.


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