5 Signs You are Living Beyond Your Means

Living beyond your meansIf you find that you can’t meet your savings goals or that you have fallen behind on that ever-mounting credit card debt, you might be living beyond your means. Your spending habits really can impact your financial future. Let’s take a look at some signs that indicate you are living beyond your means.

No, or Little Savings

It’s time to curb your spending when you notice that your savings aren’t increasing over time. Sure, you probably have a heap of bills to pay, but you should still be able to dedicate some money from each paycheck to your savings or investments. Before you spend your paycheck, consider that spending it today will reduce your ability to clear debts and enjoy financial freedom.

A Seemingly Insurmountable Debt

If you have built up credit card or school loan debt that just seems to keep on growing due to high- interest rates, you might be living beyond your means. Instead of reaching for the plastic for each purchase, use cash. Also, mind your spending. Think about how nice it would be to pay down your debt instead of buying coffee each morning, splurging on video games or running up a tab at the bar.

A Reliance on Cash Advances

If you use your credit card for cash advances, you are undoubtedly living beyond your means. Cash advances through your credit card company come with exorbitant interest rates that make the loan incredibly difficult to pay off in full and in a reasonable amount of time.

You Don’t Shop Smart

If you aren’t taking advantage of the great deals found at discount stores and thrift stores, you are likely overspending. By planning out your grocery shopping carefully, you can still eat healthily while saving money. Buying gently used items can also help you save on other basic necessities.

You Can’t Control Your Spending

People get into financial trouble when they can’t control their urge to spend. If you constantly feel as though you have to be out and about, spending money at the mall or restaurants, you might be addicted to spending money. Make an effort to stay home to eat and find free entertainment options so you can live comfortably within your means.


Spring is a great time to start afresh, and spring cleaning your finances is a good idea once tax season...
If you or one of your loved ones is headed off to school, you may be searching for a reliable...
Apps can do anything these days. So it only makes sense that you can find so many great smartphone budgeting...
Money is one of the most contentious issues in a marriage, so much so that it is one of the...
Credit card debt was projected to total $900 billion by the end of 2015, with the average US household owing...
If you are spending money as it comes in without tracking how much is going out, then you may be...
Vacations provide us with much-needed rest and relaxation, but can be a huge burden on your family budget. Fortunately, there...
Your credit score is a number that most lenders use in order to determine your credit worthiness. If you are...
Family money management is important. Teaching your kids how to manage money is the first step in getting everyone involved...
Google+ Twitter Facebook

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.

Who is providing this notice?

North Star Finance, LLC d/b/a Northcash, an economic arm of the Fort Belknap Indian Community.

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.

OLA Badge