October 2022

Tricks for Doing Halloween on a Budget

2022-09-27T15:46:52-04:00October 6th, 2022|Categories: Budget, Saving Money, Shopping, Uncategorized|Tags: , , , , |

Halloween is back and bigger than ever, with 69% of Americans saying they are celebrating the end-of-October holiday. That's up from 65% in 2021, according to the National Retail Federation’s annual survey conducted by Prosper Insights & Analytics. The report also showed total spending on the holiday is expected to reach a record $10.6 billion [...]

September 2022

What do Federal Rate Increases Mean to You?

2022-09-19T11:12:10-04:00September 22nd, 2022|Categories: Education|Tags: , , , |

Rising interest rates can mean different things for borrowers and savers. Right now, it's leaning in favor of people who want to save money. So, what's the reason behind the federal rate increases? Also, how will it affect your wallet? What's the purpose of federal rate increases? While the Federal Reserve already raised rates three [...]

5 Things You Should Never Buy Used

2022-09-15T15:48:37-04:00September 15th, 2022|Categories: Budget, Saving Money, Shopping, Uncategorized|Tags: , , , , |

Buying used items can save you plenty of cash, but there are some things you should never buy used. Let’s take a look at the items that should be purchased new. If you can't afford new, we offer some advice on what to look for. Children’s Furniture Kids treat furniture different than adults. They will [...]

2 Things Lenders Look at When You Get a Loan

2022-09-08T11:27:47-04:00September 8th, 2022|Categories: Education, Uncategorized|Tags: , , , , , , , |

We live in a world where loans can help us afford things we need without paying for them up front. People get mortgages to purchase their first home, car loans, personal loans, and credit cards. But what do lenders actually look at when you get a loan? What determines if you're approved or denied? [...]

August 2022

5 Tricks Used at Car Dealerships

2022-08-19T13:19:48-04:00August 25th, 2022|Categories: Buying a Car|Tags: , , , , , , , |

Buying a new car is a significant financial decision. While the car buying process can be exciting, there's also a level of intimidation. After all, you're going up against a trained salesperson when visiting a car dealership. And while your average car salesman may not be shady, there are tactics they use to maximize the [...]

Financial Check-Up: Tips to Fight Inflation

2022-08-17T12:37:40-04:00August 18th, 2022|Categories: Saving Money|Tags: , , , |

Creating and maintaining a budget is one of the best ways to achieve your financial goals. However, even the most dedicated savers can find it challenging at times. That’s why it’s essential to revisit your budget and financial plan every six months. This financial check-up is your opportunity to get back on track before you [...]

Your Guide to a Credit Freeze

2022-07-21T11:24:24-04:00August 11th, 2022|Categories: Credit, Education, Fraud Prevention|Tags: , , , , , , |

How to Freeze and Unfreeze Your Credit You've likely heard about something called a credit freeze in the last few years. Essentially, it’s a way to lock your credit report so that no one can access it. That means legitimate creditors and fraudsters alike. While putting your credit on ice has been free under federal [...]

Personal Loans vs. Lines of Credit

2022-07-19T13:14:14-04:00August 4th, 2022|Categories: Personal Loans Category|Tags: , , , , , , , |

Whether it’s a summer vacation, unplanned expense, or extra funds to bridge the gap between paydays, credit cards seem to be the popular choice, given their convenience. However, personal loans are often the better choice in terms of affordability. Personal loans (also called signature loans) typically charge lower interest rates than credit cards. They also [...]

July 2022

The Importance of Keeping Your Account Beneficiary Current

2022-07-19T10:34:21-04:00July 21st, 2022|Categories: Education|Tags: , , , , , |

As an adult, a significant part of managing your finances is preparing for the future. In the short term, that may include putting money aside in an emergency fund for unplanned expenses. Long-term, actively saving in retirement accounts helps to ensure you’ll be ready for your golden years. Some people overlook naming a beneficiary. [...]

June 2022

4 Areas Missed When Buying a House

2022-06-03T11:12:45-04:00June 23rd, 2022|Categories: Mortgages Category|Tags: , , , , , |

If you're in the market for a new home, or your first home, you likely already researched what it's like buying a house. Financially, you’re ready. You have money set aside for the down payment and closing costs. You’re pre-approved for your mortgage. Your monthly budget is ready to go, and a stellar real estate [...]

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