5 Tips for Investing in a Reliable Used Bike

Finding a used bike is a great inexpensive and environmentally-friendly alternative to buying a car. Even if you’ll only be using your bike for exercise or the occasional trip around the neighborhood, you’ll still want a dependable one. Use these five tips to help you find a reliable used bike while avoiding unnecessary costs: Assess your needs and buy accordingly Just like with cars, there are different types of bikes designed for different purposes, and not everyone wants or needs the same thing. Do a little research ahead of time to know what you do need. Will you be going off road? Are you riding it to work daily?  How many miles per week? A bike designed for racing on paved surfaces probably isn’t going to hold up if you’re riding off road three times a week. Consider the features you need Some features are personal preferences, but anything that effects how the bike fits or your ability to operate it safely is important. The right features will make your used bike more reliable by avoiding untimely wear on parts and accidents. Buy local and avoid online shops Yes, there are bargains, but there’s also lots of junk and stolen bikes.  The biggest problem with buying a bike online is that you aren’t seeing it in person. There are several elements you need to check that just don’t show up in a photo. For instance, you need to test drive it if possible. While you may get lucky at a…

5 Inexpensive Christmas Gift Ideas Your Friends and Family Will Love

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…

The Sharing Economy: How Your Smartphone Can Find You Part-Time Work

There’s no refuting the fact that from the minute we get up in the morning to the minute we retire to bed, we’re often glued to our smartphones. From a new email, to the numerous social media notifications throughout the day, there’s always another reason to pick up your phone. After all, today’s smartphone technology can do so much! While some may see their data plans and smartphones as just another monthly expense, other witty smartphone users are turning their phones into portable cash-cows. So, forget about playing yet another round of Candy Crush during your afternoon downtime. Instead, here are some legit ways that your smartphone can find you part-time work: Gigwalk Gigwalk pays iPhones or Android smartphone users for accomplishing simple tasks like mystery shopping, deliveries, taking pictures or testing various mobile apps.  Earnings can range from as little as $3 to as much as $90 for every single task.  It all depends on the user’s experience and reputation.  Those who live in large metropolitan areas are in a position to earn more, due to the many opportunities found in urban areas. Check out Gigwalk here. Easyshift Easyshift is commonly used by business owners in need of temporary shift workers. This may be a great option if you’re in need of quick cash. For instance, a catering company may use Easyshift to recruit a few extra hands for a night. Once the job is done, you get your funds instantly deposited to Paypal. Tip: their mystery shopping tasks tend…

5 Cheap Staple Foods Everyone Should Be Buying

For many people, the weekly grocery bill is one area where it’s easy to go over budget. Keep these cheap staple foods on hand and you won’t need extra trips to the store or a stop at the local fast food restaurant. They’re all versatile, easy to find, easy to make and yes…cheap! Cheap Staple Food #1: Oats Great on their own at breakfast, oats are whole grain, so they’re filling. You can flavor them almost any way you want. They can also be used in smoothies, baked goods, and even to thicken chili.  Cheap Staple Food #2: Eggs They are one of the cheapest forms of protein you can get. Of course they are perfect for breakfast, but they make great lunches and dinners too. Egg salad sandwiches, frittatas, and quiche are popular main dishes. You can even put them in fried rice, soups, and salads. Cheap Staple Food #3: Beans They show up on every list of cheap staple foods for a reason. Canned beans are cheap enough, but if you have time to cook them and really need to squeeze your food budget, dried beans are the way to go. The basis of many vegan main dishes, they go with just about everything. Also try them in soups, stews, as a side dish or even in a salad. Cheap Staple Food #4: Sweet Potatoes They’re just as versatile as other kinds of potatoes but pack a bigger nutritional punch. You can even use them to make your…

3 Delicious, Easy and Cheap Crockpot Meals You’ll Love

If you have a slow cooker, also known as a crockpot, you’ve got the best tool at your disposal for saving on delicious home cooked meals. They are easy to use, can be turned on before your leave for work and can cook inexpensive cuts of meat to perfection. It’s easy to find cheap crockpot meals you and your family will love. But in case you don’t know where to start, we have some suggestions. Here are 3 delicious and cheap crockpot meals for when you are out of ideas. Barbeque Pork Sandwiches Among cheap crockpot meals, pork is a crucial staple. The cuts are inexpensive and when slow cooked are juicy, flavorful and tender. So for your next meal, take a 5-6-pound pork loin and put it inside the crockpot. Smother with barbeque sauce and let it cook for 6 hours or so. You’ll know it’s ready when the meat falls apart easily. Then, put it on a bun and serve with whatever fixings you like! Pot Roast Pot roast is a great disk for your slow cooker. One way to prepare is to throw the pot roast with some cream of mushroom soup and dried soup mix (ideally onion flavored) into the crockpot. Let it cook for at least 6 hours and you’ll have the perfect pot roast for your family. Italian Chicken This one is as easy as it is delicious. All you need is two ingredients: chicken and Italian salad dressing. Combine the two in a…

Want a Budget Wedding? Here are 5 Ways to Save

Having a wedding is an expensive endeavor. The average cost of a wedding is $26,645, but many couples manage to keep the price under $10,000. Still, it’s not easy to have a budget wedding. Expenses pile up fast and you can undermine your budget goals fast. So if you looking to have a great wedding and stick to your savings goals, see our 5 tips to have a budget wedding. Choose a different day of the week Saturday is by far the most popular day of the week for people to get married. So venues and other wedding related services will offer lower prices if you book for a weekday or even a Sunday. If you get married early in the peak season as well, the savings will be even greater for your budget wedding. Book far in advance By booking venues and other services super early, you’ll save a lot on these expenses. That also allows you to be strategic for when you purchase other things, like invitations, to wait for sales. Keep the liquor options limited Don’t provide a fully stocked bar for your friends and family. Instead, get a keg from a local brewery and have a few wine options on hand. That will be enough to keep everyone happy while keeping your budget on track. You can also add a cocktail option as well to suit other tastes. Don’t serve a sit-down dinner Instead of splurging on a fully catered sit down dinner, consider appetizers instead….

3 Tips to Stay Motivated and Reach Your Savings Goal

It can be hard to stay motivated to reach a savings goal. All it takes is one or two bad days and your entire savings plan can be thrown off track. There are so many impulse buys offering instant gratification that it can be hard to stay on track. It’s also human nature to seek short-term gratification over long-term benefits. Fortunately, strategies exist to help. If you are serious about reaching your savings goal, here are 3 tips to help you stay motivated. Know Your Goal If you have a specific savings goal you are trying to reach, it makes a lot easier to stay motivated. If you are just trying to ‘save more,’ you can fall off track quickly. So pick a number that you think you can reach and whenever you are tempted to overspend, remind yourself of what you want and why. Make Today Matter It’s important to focus on small steps you can take every day to make your savings plan concrete. Whether it is forgoing a coffee, buying store brand items at the grocery store or bringing your own lunch to the office, these daily actions provide the foundation that you can build off of. Give Yourself Breathing Room When you are creating a plan to help you save more and finding an ideal goal to work towards, it can be tempting to try and save as much as possible. But by doing so, you are only setting yourself up for failure. You need to…

8 Things You Should Buy Used   Sometimes, you just don’t have the room in your monthly budget to buy something brand new. The good news is that in a lot of situations, you can do just as well when you buy used. Here are a few items where you can save big:   Cars – New cars are expensive and depreciate very quickly, so you can save big here. If buying used means you can pay cash instead of financing your vehicle, you’ll save even more.   Bicycles – New top of the line products may have comfort or performance tweaks, but on a basic level, bikes still work the same way they always have. It is proven technology that lasts a long time when cared for properly.   Furniture – Craigslist, thrift stores and garage sales are good sources for furniture and if you are willing to reupholster or paint you’ll find even more bargains. Don’t forget to ask friends and family for unwanted furniture.   Children’s clothes – Everyday kids’ clothes can be a bargain when you buy used. Since children outgrow clothes quickly, you can find items that are in good condition or even new at consignment or thrift shops, garage sales, and sales sponsored by local churches and PTA’s.   Books – If you still prefer paper to electronic, buy used. The classics are usually easy to find at thrift stores and garage sales.   Kitchen Basics – Pots and pans, dishes, glasses, mixing bowls,…

Four Situations Small Personal Loans Can Help You Out Of   Not every financial situation requires taking out a long-term loan. In many cases, small personal loans will fill the need with ease. Here are some examples of situations in which one of these loan arrangements will do the trick.   Your Paycheck is Short   Somebody in the office goofed, and the commission that was supposed to be on this paycheck wasn’t there. The error has been detected, and payroll is cutting a check for you that will be ready on Monday. That’s fine, but you really need to pick up some groceries now. Since small personal loans can often be obtained in a matter of hours, you can soon have the money in hand to hit the supermarket.   A Bill Creeps Up on You   Remember that insurance policy that comes with the six-month premium payment? Unfortunately, you forgot that it is due this month. Since your funds for the month are already committed to other obligations, taking out a short term loan makes sense.   Car Troubles   On the way home from work, the engine started making an unusual sound. Your mechanic has found the problem and can have the car ready in a few days. Small personal loans are a great solution for this type of emergency. By the time that the car is ready, you’ll have the cash in hand to cover the repairs.   You’re Sick You’ve been putting off going to…

If you are spending money as it comes in without tracking how much is going out, then you may be hindering your own financial success. If you don’t know how to organize your finances or can’t be bothered to, you may find yourself in a situation where you are out of cash and cannot keep up with basic needs. Being disorganized with finances also means that you are unlikely to be on track to achieving your goals like owning a home or financial freedom. The good news it is not at all hard to learn how to organize your finances. Spending a few hours to do so can make all the difference in getting on the path to financial security. The following steps are a good place to start: Use online tools Ideally, you should be able to balance your income and expenditures to the last cent. Take a business-style approach to tracking your finances. There are a number of personal finance organizers online that are quick and easy to use. All you have to do is key in figures like your income and expenses and you can see how much cash you have at hand at any one time. Figure out your goals Another advantage of using an online tool is that you can use it to budget before you get your next paycheck. You can make smart choices like paying down debt and putting away a little extra cash into your savings ahead of time so you’ll be more likely to stick to…

For the first time last spring, Americans spent more money eating out than we did buying groceries. With the average meal costing $12.50 per person, that can ruin a budget pretty quickly. Make ahead meals can be just as convenient and that same $12.50 often feeds the entire family. This can free up a surprising amount of money in your budget, even if you eat just a few more meals at home. How make ahead meals help you save­­­ Not only are make ahead meals cheaper, but you can make food the way your family likes it. No spending money on extra cheese for a frozen pizza or wasting money throwing out food because no one likes it. Taking advantage of sales and bulk pricing can save more money and you won’t be tempted to make impulse purchases during those extra trips to the store. With a make ahead meal, you’re shifting the time you spend on meal prep to fit your schedule. You might not have time to make dinner every night, but you may have time on the weekend to make one or two meals ahead of time. If your meal is ready to go, you won’t need to hit the drive thru. Getting started Some people do a huge grocery shopping trip and cook all the next day. But that’s not practical for everyone, so you might want to try one of these methods to start small. Double a recipe – Make an extra one and put…

Car insurance policies come with a wide range of options. However, no single insurer offers all of the options and policies that meet your needs, so smart car insurance shoppers should compare the offers of different insurers. This ensures that you will get the most suitable coverage for your individual needs at the best prices. How Should You Go About Comparing Car Insurance? If you are comparing car insurance, here are some tips to keep in mind:

Many families wonder how to reduce electricity bills, which can save them big in the long-term. In case you aren’t convinced, check this stat out: 7.3% of the average consumer’s total annual income goes to energy costs. The good news is that reducing your electric bill does not have to be a time consuming or expensive project. There are a lot of little things you can do around the house to start saving money and electricity right away. So read how to reduce electric bills in 4 easy steps and count the savings today. Step 1: Hang dry your laundry Whether you get a drying rack for the living room or clothesline for your backyard, there are a lot of benefits to hang dry your laundry. If your family does 8 loads of laundry a week and you hang dry most of those instead of using the dryer, you’ll save over $70 a year! Step 2: Install a programmable thermostat A programmable thermostat can cost $50-100, but the savings will add up fast. This is because they allow you to turn down the temperature in your home when no one is around or at night when people are sleeping. If you are wondering how to reduce electric bills, this can make a huge impact as most households spend hundreds of dollars on heat, not to mention A/C as well. Step 3: Adjust your hot water heater Turning down your water heater 5-10 degrees can do a lot to help. Many…

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…

Does the thought of spending excessive amounts of money on costumes, candy, decorating supplies and parties have you scared this Halloween? Never fear. If you are searching for ideas to save money, we’ve got some BOO-tiful tips that will help you cut back on Halloween spending in order to make the holiday less frightful for your bank account. Ideas to Help You Scare up Some Savings this Halloween Costumes: Don’t let the high price of brand new pre-made costumes take a bite out of your budget this Halloween. You can get a ghost of a deal on second-hand items from your local thrift store. Although many thrift stores and second-hand shops offer actual costumes, many times you can save even more by purchasing clothing and accessories to create your own. If these savings aren’t ghoulish enough for you, consider rummaging through your own closet and the closets of friends and family members for clothing that can be altered or added to in order to create something free and one of a kind. Candy and Treats: Haunt the Halloween aisle the day before or the day of Halloween. Some stores significantly discount Halloween items at the last minute in order to make room for Christmas themed items. Additional ideas to save money include purchasing gum or less popular candy varieties, buying Halloween treats in bulk or purchasing or making inexpensive party favors in place of edible items. Decorating Supplies: Purchasing store bought decorations during the weeks prior to Halloween can leave…

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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.

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