News and Events

  • 3 Financial Tips to Jump Start the New Year

    January 9, 2019

    Tags: Budgeting
    Did you overspend during the holiday season? Are you feeling the “blue’s” of the new year? Or the “holiday hangover” effect from not only too much egg nog but from spending beyond your means? Don’t worry—most American’s have likely overspent and there is always opportunity to change. The new year can mean a new start and that is the most important step—to start, wherever you are, to change the behaviors so you can create a more financially sound version of YOU. Here are three tips to help you move…
    read more >
  • Teach Kids How to Save, Spend, and Share

    December 25, 2018

    Tags: Budgeting, Education
    It’s possible that your kids received money for Christmas—for some, maybe a lot of it. If you’re struggling with how much to let your children “spend,” consider doing this: Set up three small boxes in your child's bedroom or buy a small three-drawered container. Label one drawer or box for saving, one for spending, and one for sharing. As children receive money, set up a system so that a certain percentage automatically goes into each section. Then, for example, a child will have a set amount of…
    read more >
  • Shape Up Your Finances

    November 14, 2018

    Tags: Budgeting
    Improve your financial fitness and manage your wealth. Get your finances in shape by taking these steps: Bulk up your emergency fund. Having a back-up fund may prevent you from having to tap or max out credit cards if your refrigerator dies or your car needs major repairs.  Improve your credit score. Having a clean credit history is more important than ever. First, obtain your free credit reports from annualcreditreport.com, review them, and dispute any errors. Next, work to improve your score:…
    read more >
  • Rebate Can Beat a Low-Rate Auto Loan

    September 21, 2018

    Tags: Auto, Budgeting
    Shopping for a new car? If you're in the market and have decided to purchase rather than lease, you'll find several financing options, including dealers are offering low-rate loans or cash-back rebates. While it's nice to have choices, they can be downright confusing and expensive. Those low rates auto dealers offer you could also include "hidden costs": Dealers' low-rate loans and rebates almost always are available only on slower-selling models. These cars may have lower resale values. Dealers'…
    read more >
  • Ways to Save in College

    August 21, 2018

    Tags: Budgeting
    Going off to college is an exciting time! Your world is about to open wide, providing you with new opportunities to expand your mind, meet new people, and begin the groundwork for your career (or figure it out). One very important skill you’ll need is learning how to save while living on your own. The easy first step is finding out what you don’t need to buy. • A printer. They take up too much space, and the cost of ink and paper can add up. Check with your college to see if they have a printer…
    read more >
  • 8 Ways to Save on Back-to-School Shopping

    August 14, 2018

    Tags: Budgeting
    According to the National Retail Federation, the average American household spends $688 on Back-To-School shopping -- 64% of it is spent on clothing and electronics. Here are 10 ways to save this fall and throughout the year. 1. Create a checklist of items and stick to it.  Before you begin shopping, empty your kids’ backpacks to see what was left over from the previous year. Mark them off your checklist and then buy only the items still remaining. 2. Comparison shop online before going into stores. …
    read more >
  • Four Signs You Need to Clean Up Your Finances

    July 24, 2018

    Tags: Budgeting
    It’s easy to see when your house needs cleaning: clothes are on the floor; dirty dishes are stacked in the sink. But it may be a little harder to know when to “tidy up” your finances. Here are a few signs: 1. You’re living paycheck to paycheck If you barely make ends meet at the end of the month, it’s time to buy yourself some wiggle room for unexpected events. Start by cutting back on at least one major expense and putting that money into an emergency fund. The goal of an emergency fund is to be…
    read more >
  • How to Save When You’re Invited to Everyone’s Wedding

    July 19, 2018

    Tags: Budgeting
    Wedding season is upon us and soon you may see a few wedding invitations in your mailbox. What do you do when it looks like ALL your friends are getting married this year? Can you afford to get gifts for everyone, as well as pay for clothing and traveling expenses for each event?  If you find yourself invited to multiple weddings this year, first create a budget and estimate how much you can afford for these expenses. It’s better to have a picture of what you can realistically manage rather than…
    read more >
  • How To Get a Great Price on Your Next Car

    July 10, 2018

    Tags: Budgeting
    Are you thinking of buying a car, but want to make sure you get the best price? Here are a few tips to help you find the right car at the best price. Buy “off-season.” Peak demand for cars is in the spring and fall, but if you want to find a bargain, shop for a car in December and January when the prices are lowered. That’s when dealerships are eager to move the inventory off their lots to make room for newer models. Know the real price of the car. Use websites like nada.com, Kbb.com (Kelley Blue…
    read more >
  • Emergency Fund—Start Small, Think Big

    July 5, 2018

    Tags: Budgeting
    Many people wonder how they can build an emergency fund when they’re trying to pay off my debts. It isn't as hard as you might think. The strategy is to start small, change a few habits, and change your mindset. If you're starting from scratch with your emergency fund, begin by saving one month’s worth of living expenses while paying the minimum on your credit cards. When you have that first month of emergency funds started, turn your focus to your credit card debt and pay more than the monthly…
    read more >