Spring Cleaning Your Finances

Spring cleaning your financesSpring is a great time to start afresh, and spring cleaning your finances is a good idea once tax season has passed. Follow these steps to create a leaner, tighter budget and manage your money better from Spring 2016:

  1. Evaluate any loans or interest-bearing accounts and perform comparisons against loans from other lenders. Where possible, transfer credit card balances to zero interest or lower interest card providers and consider the benefits of refinancing your mortgage.
  2. Make plans to pay off debts, starting with the debts with a higher interest rate and working through to the debts with lower rates. Once you pay off one debt, you’ll be motivated to clear balances on more.
  3. Go through your household budget and check all your monthly expenses, ensuring that you have an accurate picture of your finances. If you find you are spending beyond your means, determine how you can adjust your expenses and cut back.
  4. Check your credit reports with the major credit bureaus. Remember, you are entitled to one free report each year. If errors are shown on credit reports they will impact your ability to obtain credit. If you notice an error, report it to the credit bureau as soon as possible to have it rectified.
  5. Review all insurances to ensure they are all up-to-date and inquire about any potential discounts you may be eligible for.
  6. Go through bank statements to check for any unusual activity or errors and make sure no fraudulent charges are going through your account. If you notice something unusual, follow up with your bank.

Finally, organize your financial papers systematically, so you can access information quickly and easily. Trash anything not needed for tax purposes to streamline your filing system and make next year’s financial spring cleaning easier. Get into the habit of spring cleaning your finances each year, that way you’ll be far more aware of spending habits and any potential money problems likely to occur.

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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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