Your Financial Future Archives - Neighborhood Trust Blog We’re here to help you get your finances on track. Check out our best budgeting, saving and personal credit resources. Tue, 07 May 2024 15:38:41 +0000 en-US hourly 1 https://wordpress.org/?v=6.6.1 https://www.cashnetusa.com/blog/wp-content/uploads/sites/2/2024/03/favicon-cf3fc3e49e7e8096134c7aa8e5089788.png Your Financial Future Archives - Neighborhood Trust Blog 32 32 How to Budget: 5 Simple Steps to Get Started https://www.cashnetusa.com/blog/how-to-budget/ Tue, 02 Jan 2024 17:48:08 +0000 https://www.cashnetusa.com/blog/?p=17457 Just the word “budget” is enough to make many people nervous. They might think of budgets as restrictive, but a budget can give you more financial freedom. It’s all about creating a plan that works for your lifestyle and sticking with it.

A good budget can help you reach your financial goals — and budgeting ...

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]]> Emergency Fund: What It Is and Why You Need One https://www.cashnetusa.com/blog/what-is-an-emergency-fund/ Mon, 11 Dec 2023 15:37:22 +0000 https://www.cashnetusa.com/blog/?p=17367 Preparing for unexpected costs is an important part of your financial security, and ultimately your financial freedom. One of the best ways to be prepared is by having an emergency fund.

Let’s explore what an emergency fund is, why it’s important and how you can start and manage one.

What Is an Emergency Fund?

An ...

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]]> 8 Types of Loans That Don’t Report to Credit Bureaus https://www.cashnetusa.com/blog/personal-loans-no-credit-check-on-credit-report/ Tue, 05 Dec 2023 15:00:55 +0000 https://www.cashnetusa.com/blog/?p=16780 If you’re concerned that a loan may affect your credit score, you’re not alone. While loans that report to credit bureaus can help you build a positive credit history with on-time payments, there are loan options that don’t report to credit bureaus. Ultimately, whether a lender reports to credit bureaus depends on their policies and ...

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]]> Can I Still Apply for Student Loan Forgiveness? https://www.cashnetusa.com/blog/can-i-still-apply-for-student-loan-forgiveness/ Wed, 01 Nov 2023 14:00:57 +0000 https://www.cashnetusa.com/blog/?p=17296 More than 40 million borrowers have federal student loan debt and are affected by the resumption of student loan repayment in October. If you’re one of them, you may be wondering if you’re still eligible for student loan forgiveness. Though the Supreme Court recently blocked the Federal Student Debt Relief Plan, there are other student ...

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]]> What Happens if You Can’t Pay Student Loans? https://www.cashnetusa.com/blog/what-happens-if-you-cant-pay-student-loans/ Wed, 04 Oct 2023 14:00:02 +0000 https://www.cashnetusa.com/blog/?p=17274 If you’re worried about fitting your student loans back into your budget, you’re not alone. Tens of millions of Americans have student loan debt and will be affected by payments restarting in October. Adding a bill to your monthly expenses can put a squeeze on your finances, but there are a few things you can ...

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]]> 5 Ways You Could Lower Your Student Loan Payments https://www.cashnetusa.com/blog/how-to-lower-student-loan-payments/ Tue, 05 Sep 2023 14:00:31 +0000 https://www.cashnetusa.com/blog/?p=17182 With student loan payments resuming, many are worried what it will mean for their personal finances. Adding a hefty bill back into your monthly expenses can throw a wrench in your budget. While it seems student loan forgiveness is off the table for now, you may have options to make your payments more manageable.

Some ...

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]]> How Payday Loans Work https://www.cashnetusa.com/blog/how-do-payday-loans-work/ Fri, 30 Jun 2023 14:00:07 +0000 https://www.cashnetusa.com/blog/?p=17111 When emergencies arise and you feel like you have nowhere else to turn, a payday loan may seem like a good idea. However, it’s important that you understand how payday loans work and the risks involved when taking out short-term, high-interest loans.

Here are some things to consider when it comes to payday loans — ...

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]]> How Much Credit Card Debt Is Too Much? https://www.cashnetusa.com/blog/how-much-credit-card-debt-is-too-much/ Mon, 15 May 2023 15:15:24 +0000 https://www.cashnetusa.com/blog/?p=17045 If you feel overwhelmed by credit card debt, you’re not alone. The average American carries a credit card balance of $5,805, and this number has increased in recent years. As the statistics indicate, having some debt is normal. But this raises a question:

How much credit card debt is too much?

Between interest, fees and ...

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]]> Can You Have Multiple Installment Loans? https://www.cashnetusa.com/blog/can-you-have-multiple-installment-loans/ Tue, 25 Apr 2023 15:00:12 +0000 https://www.cashnetusa.com/blog/?p=17038 Installment loans can help borrowers with everything from buying a home to covering personal expenses. Mortgages, auto loans and personal loans are all examples of installment loans. Each of them provides borrowers with a lump sum of money that they can pay back over time.

While it’s possible to have multiple installment loans, there are ...

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]]> Are Payday Loans Installment or Revolving Credit? https://www.cashnetusa.com/blog/is-payday-loan-installment-or-revolving/ Wed, 08 Mar 2023 15:32:13 +0000 https://www.cashnetusa.com/blog/?p=16935 When you’re in need of a personal loan, you may be surprised to learn about the number of funding options available. Payday loans, installment loans and lines of credit are some of the most common.

The amount of personal loan options can make it hard to determine what’s what, and what’s best for your situation. ...

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