It’s January and Christmas may be the furthest thing from your mind. However, now is the perfect time to set up your Christmas Club for 2020. If you’re not sure what Christmas Club is or how it can help you manage Christmas expenses, keep reading. What Is Christmas Club? Christmas Club is a program offered […]
Financial responsibility
How is Your Credit Score Calculated?
It’s no secret – your credit score (also known as a FICO score) can have a huge impact on your financial future. A poor credit score may affect your ability to secure financing, increase the interest rate on loans you do qualify for, or limit your access to services, such as cell phone contracts, apartment […]
What Is Debt Consolidation?
By Mary Lukow Most Americans have at least some amount of debt, and many are trying to reduce or eliminate their debt. One option for tackling debt is debt consolidation. Some experts promote this tool for getting rid of debt while others encourage debtors to stay away. The reality is that many people just simply […]
What Do People Save Money For?
By Domi Garcia It’s always easier to accomplish something if you have a clear goal and strong motivation to reach it. That is especially true when you are trying to save money. Just deciding that you’d like to save some money is not as helpful as being specific about how much you want to save […]
Before You Borrow – Questions to Ask Yourself
By Joan Honeycutt There are many good reasons to borrow money. Most people will take out a mortgage in order to buy a home. Small businesses often borrow money in order to get the business started or to allow an expansion or purchase of needed property or equipment. Farmers may need to borrow money to […]
Avoiding Financial Stress during the Holidays
By Mary Lukow The holidays should be a time of joy and celebration. That’s what we all strive for. The reality is that it can be a stressful time too. Many obligations and priorities compete for our limited time. Family commitments pull us in different directions. Perhaps the most significant source of stress at the […]
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