Posts by Holli

Most of us make poor financial decisions: a trip we can’t really afford or repeatedly eating lunch out when our budget says “brown bag it”! Making small changes over time can have a major effect on your finances. Your finances are generally a series of little choices that add up over time – buying one…

These are tough times. No doubt about it. So what if you’ve used up your emergency fund? Rebuilding happens slowly. Just like the first time. But there are plenty of things you can do to help you get back to where you were. It takes hard work, but it’s worth it for the security you’ll…

As we move closer and closer to a cashless society, consumers can use credit cards to pay for nearly everything, everywhere these days. BUT…that doesn’t mean you should. Outstanding card debt has now hit its highest point ever, surpassing the $1 trillion mark in 2017 (per the Federal Reserve). Yes, that’s with a “T”. No…

Don’t buy bottled water. Seems cheap, but it gets expensive fast. Settle for a filter and you can use tap water! Bonus: Better for the environment too. Make your own coffee. Seems obvious. Use a coffee maker or even a French press instead. Even if you add a flavored creamer…still much less painful on the…

It’s easy to spend more then you planned when buying a car. But spending too much on car creates unnecessary financial stress. Don’t get fooled…there are a few steps you can take to stay in your financial lane when buying a car. Set a budget! Just like you do when shopping for a home, you…

I know! I know! You’ve tried it. You’ve heard them all. BUT have you?? There are ways to save in this unique time of quarantine. Read on… SET UP A BUDGET Your budget is your financial lifeline. List every income source you have: day job, benefits, part time, and odd jobs. Detail all your expenses,…

If you live in a property covered by the CARES Act, the soonest landlords can ask you to leave is July 25, and the soonest they can file an eviction to force you to leave is August 24. THIS PART IS ESSENTIAL: The protections under the CARES Act only apply to properties that receive federal…

 You spend more than 20 percent of your monthly take-home (net) income on consumer debt. (Credit cards, loans, etc.) You don’t know how much money you actually owe.  You miss payments or pay them late. You have been refused credit. You have overdrawn your checking account more than three times in the past year. You…

No matter your stage of life, it’s important to have savings. Special purchase? Save. College education? Save. First home? Save. Retirement? Save. Emergency fund? SAVE. CREATE A BUDGET. You must evaluate how much money you take in and how much money you spend to take control of your financial life. List your income from all…