If you are a regular at the grocery store or pharmacy, you’ve probably gone through this debate in your mind: what are the best generic products to buy? Despite more impressive packaging and name brands you recognize, there are many examples when it’s not worth paying a premium when you can buy the store brand for less. So next time you are shopping, consider our list of the best generic products to buy. Over-the-Counter Medications Over-the-counter medications is one of the best generic products to buy. The formula used in a store brand versus a name brand is similar and in some cases identical, meaning there is absolutely no difference in the product you are purchasing. Water Not only is there no difference between brands of bottled water, but there is little difference between bottled water and the water that comes out of your tap. But if you need to buy bottled water for whatever reason, always go with the generic brand. Cleaning Products Much like with over-the-counter medications, there is little difference between cleaning products. They all use the same formula with some minor cosmetic differences like scent. If you want to go even further, you can even make your own basic cleaning products at home. Pantry Items Whether it’s sugar, salt or baking powder, it’s all the same no matter what brand you buy. So there’s no reason to go name brand for this purchase. Cereal Although there are differences between name brand and store brand cereal, it…

If 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…

Budgeting around the holidays can sometimes be a challenge. Maybe you have a long list of people to buy gifts for or some last minute guests from out of town. Or perhaps you just went a little over budget on the kids’ toys and need to get back some control. Whatever reason you have for needing inexpensive Christmas gift ideas, here are a few simple presents your friends and family will appreciate. A Personalized Memento Embellish or hand paint a picture frame, insert your favorite photo, and give it as a personalized memento. Turn favorite photos or vacation souvenirs into personalized wall art or a scrap book. If there is an activity you both enjoy doing together give something that commemorates or celebrates that occasion. A Plant Local florists and grocery stores have a variety of house plants that make great inexpensive Christmas gift ideas. This can also be a good choice if you can attach some sentimental value to it. For example, flowers from grandma’s garden that have been in your family for generations, or a plant native to a favorite vacation spot serve as heartfelt presents perfect for the holiday season. iTunes Gift Card or Other Digital Download iTunes, PlayStation, Xbox Live, and other online gaming and entertainment companies sell gift cards to pay for downloads. Downloads are usually cheaper than their physical counterparts, so a gift card in a small denomination can actually make for a fun present for the gamers and digitally savvy people in your…

In a pinch and need to save your pennies? Here are some tips for generating your savings quickly!

Whether you want to make your home more comfortable for you to live in, or you are seeking to spruce up your home to make it more attractive to buyers, you may feel the need to update your home. That being said, you don’t need a huge budget to update your home. All you need is a little bit of knowledge about what you can do to make some home improvements without spending all of your money. Here are some tips on how to update your home on a limited budget: Go thrift shopping for home decor upgrades Thrift stores aren’t just great for deep savings on clothes, home goods and furniture. In addition to these types of items, some thrift stores also sell home renovation supplies for a fraction of their retail price. This includes bathroom vanities, sinks, backsplashes, appliances, doors, windows, chandeliers and even tile. If you’re seeking to make some home upgrades on a budget, this should definitely be a resource that you tap into.

Coupons, used wisely, offer amazing savings—a great way to make things work when money is tight without sacrificing all the things we love to have, a great way to squeeze a movie night out of an already well-optimized budget. But that’s only when you use them right. Coupons aren’t always your friend, so make sure you remember these five coupon tips the next time you’re clipping or printing, lest you fall for the same coupon mistakes so many others have before: Buying things you don’t need. This is one of the most repeated coupon tips, for good reason. Just because you can get something cheaper doesn’t mean it’s worth spending money on. Far too many budget conscious people end up with pantries and storage rooms full of ‘bargains’ not at all worth the expenditure. That’s not to say that you should give up on a nice little extra courtesy of a coupon here and there—just make sure the coupon makes enough difference.

There is a prevalent belief that going into overdraft on your bank account is actually cheaper than taking out a short term loan. That may have been true a long time ago, but not today. Overdrafts can be quite expensive due to the high fees you will incur. In many cases, taking out a short term loan can actually be cheaper. On average, banks charge their customers a $30 penalty fee for going into overdraft, and often, additional interest on the overdrawn amount. Alternatively, you may be paying a monthly fee for overdraft protection, which gives you protection if a check or automatic withdrawal overdraws the account. On average, banks charge $225 per year for this type of protection. Whether you overdraw your account, or opt for overdraft protection, you may be paying a hefty fee for this convenience. Overdrafts are great as instant loans for the purpose of purchases and check payments when your bank account has run out of money. But the instant nature of this loan makes it very dangerous. Most people fail to take notice until they have used up their overdraft limit and gone into the red. So what do you do if you know you have a bill payment coming up, and you know your account will be overdrawn? One way to avoid these fees is to take out a short term loan to pay your bill, instead of allowing your bank account to go into overdraft and incur expensive fees. If you use…

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.

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.

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