If you need help paying bills, one of the best remedies can be a short term loan. Many times even people who work around the clock get stuck with expensive bills they didn’t expect and need financial help quickly. The problem with traditional financial institutions is that they are very rigid and can make the process stressful, especially if obtaining the loan requires a credit check. The beauty of small short term loans is that they usually don’t require a credit check and most of our customers receive their loan within one business day (depending on their bank). For some people, short term loans help accelerate their goals with little risk. Catching Up with Bills Even when it seems like you’ve got your finances under control, unexpected bills can pop and bring stress to your life. Sometimes all it takes is one event to disrupt your financial position. Getting ill and needing costly medication or treatment is one example of how you can suddenly incur large expenses, even if you have medical insurance. Another way people fall behind on bills is when they don’t plan ahead, only to realize it’s time to renew their driver’s license or other annual payments. People are so used to focusing on monthly bills that annual events can get forgotten until the fee is due. It’s nice to know that short term loans are there if you need them to make ends meet. If Your Car Breaks Down Everyone has to take care of…

College has long been an important step on the path to securing a better life. However, its importance has increased so much in recent times that it has become almost indispensable. Unfortunately, a college education is also expensive, meaning that parents with college-bound kids should start saving earlier rather than later. Here are some great tips to follow when you start thinking about building your kid’s college fund: Most states have something called a 529 college savings plan, which lets parents invest funds, earn interest, and then spend the investments on college expenses without being taxed in the process. Similar examples include but are not limited to the Roth IRA, the Coverdell ESA, and UGMA and UTMA custodial accounts. Each has its own particular combination of upsides and downsides, meaning that interested individuals should do some careful research before investing in them. Perhaps the single biggest problem with college tuition is how much it can balloon in even a short period of time. One solution is to sign up for a prepaid college tuition plan, which lets parents pay a set percentage of the tuition now to waive the same percentage of the tuition when their kids start attending school. It’s important to note a couple things about these types of plans. First, spots are limited, meaning that parents should sign up as soon as possible. Second, it can put a limit on their kids’ choice of schools. If you are planning to build a kids college fund, you need…

The best way to grow your savings over the long-term is to properly invest it. With interest rates still extremely low, you won’t get much growth keeping your money in a traditional savings account and you won’t get the tax benefits that come with other investing options. So if you are wondering how to make your money grow, follow these basic steps below. Pick the right investment vehicle If you are unsure of how to make your money grow, picking the right investment vehicle is the perfect first step. There are a few different options like a traditional Individual Retirement Account (IRA), which allows for tax deductible contributions that can’t be touched until retirement, a traditional taxable account, or a Roth Individual Retirement Account, which has the tax benefits of an IRA but allows for some withdrawal before retirement. Consider an Exchange Traded Fund There are a lot of investing options to choose from. But if you are looking to minimize fees, reduce your risk and still get solid returns on your investment, an exchange traded fund is an excellent option. It is designed to track a broader stock market index like the NASDAQ or the S&P 500. Because they aren’t actively managed, fees are lower and the risk too than buying individual stocks. Be Patient This is an important final tip. Many people get spooked by fluctuations and sell too early. But since you are likely saving for long-term goals, you’ll have to time to recover and benefit from…

We’ve all been there: the extra few hours at work, stuck in rush hour traffic, feeling exhausted and the last thing you want is to spend time in the kitchen! DoSomething.org reports that 1 in 4 Americans consume fast food at least once a day, meaning that our dependency on already cooked, delivered meals is a necessity (and no longer a luxury). It may seem like you’re saving time and resources by eating out. However, your wallet will take a beating from all of the excess charges for items that cost a fraction of that amount from the store! Loans, bills, and debt are sky high for a majority of Americans, making finances a major source of stress. The American Psychological Association found that more than 72% of Americans are highly stressed about money and bank accounts. By simply cutting back on costly cuisines, the strain and pressure will radically decline. Try these simple tips to lower your spending on quick fixes and spend more time where it really counts: towards your wellbeing.

Typical Moving Costs You Should Prepare For Moving into a new home is an exciting endeavor. Unfortunately, it can also be a costly one. In order to avoid sticker shock when you are undergoing a move, you should be sure to account for all of the costs related to moving before the big day. To help you better understand what moving will cost you, we are going to take a look at the typical moving costs that you should expect to be faced with. A moving truck Chances are that you have a lot more stuff than you thought you did! It is also likely that you do not have a vehicle with enough cargo space to transport all of your belongings. As such, you will need to rent a moving truck to get all of your possessions from point A to point B (especially larger items like tables and beds). Boxes Boxes are not normally thought of as a moving cost, but they won’t just magically appear out of thin air. So unless you have been hoarding enough boxes to pack up everything in your home, you will have to buy some. Fortunately, the cost of your moving boxes can often be mitigated by selling them back to recycled box sellers who will re-sell them to be used for another move. Storage facility rental Most people have more possessions than they thought. Basements, attics, garages and bedrooms are great at hiding the sheer volume of items that you own….

You received an offer to apply for what seems to be a great credit card. After submitting the application, you receive word that it is denied. Confused, you are not sure what to do next. If you’ve had a credit card application denied, here are your next steps: Ask Why the Application Was Denied Most credit card companies will supply at least some of the reasons why they chose to not accept the application. In fact, you may see them listed in the email or snail mail notification containing the rejection. The problem may be that you forgot to include some piece of information that the card issue considers essential. Maybe you already have card limits on other accounts that make your potential debt to income ratio a little uncomfortable for the issuer. You may be carrying balances on other cards that leave the issuer wondering if you have enough income to manage the new card responsibly.

Are you starting to feel as if your spending is out of control? Maybe you need to put yourself on a spending diet. Here’s a flexible and effective spending diet that can help put your spending back on track. A spending diet is not like a New Year’s resolution that you stop sticking to after a few short months. The diet is a way for you to start fresh and to take responsibility for how you spend your money. It is never a good idea to use your credit card thinking that you can pay for it later, and then take from your savings to do so. But it is possible to change these habits if you pay careful attention to how you spend.

Get Cash Fast From Your Home You may have seen those “get cash now” advertisements online or TV commercials and you may be suspicious. There should be a healthy skepticism for something that seems so seamless. But like online shopping, online food ordering, online learning and online everything, or so it seems, trusted online short term lenders are becoming the preferred method to get cash fast. Here is why so many people like you are turning to easy and quick online short term loans: Convenience Visiting storefront short term loan locations and comparing their rates can be a hassle for a number of reasons. For example, you have to physically go to the storefront location, which may not be convenient for you. Additionally, you may have no way of knowing ahead of time how much they will loan you. With an online short term lender however, you can conveniently apply online from the comfort of your own home. The application is in a convenient format, is user friendly and you will receive a response to your application instantly at your computer. From there you can compare the best short term lenders with one another. This added level of convenience not only helps you get cash fast, but may also take any added stress out of obtaining a short term loan. Speed When it comes to the matter of getting your cash, online short term lenders like Northcash can deposit your loan into your bank account within hours of getting approval…

Vacations provide us with much-needed rest and relaxation, but can be a huge burden on your family budget. Fortunately, there are ways for you to have fun while on vacation without having to break your budget in the process. Here are some great tips on how to plan a cheap vacation: Spending Less While Still Having Fun Airlines and hotels often have sales and discounts, so be sure to keep a close eye on them for opportunities. This is particularly true as travel dates come closer, since travel providers will lower prices in an attempt to fill their remaining vacancies. Searching for airline and hotel deals can be frustrating because of the sheer number that exist out there. Instead, use airline and hotel search services, which should be able to help you find better travel deals by searching all providers at once. Consider heading out on vacation as part of a group since airlines and hotels sometimes offer discount rates for bulk travelers. Better still, people who travel together can shoulder some of the costs together, meaning that the cost per person may be lower even without travel discounts. Travel close to home. Consider heading to a local tourist destination rather than somewhere far away. Not only will it cost you less to get there, but if you choose a less-popular tourist area, you can likely save on the cost of lodgings as well. Try a staycation. For a lot of people, having the chance to rest and relax while…

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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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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.

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