Tip of the Week

How to keep your information safe: Make sure you know who you are communicating with. Fraudsters pose as legitimate organizations like banks, the IRS, etc. There are some basic things to remember. Text message: Your bank will never ask you to sign in or give personal information via text message. Email: Watch out for emails…

Are you stuck in debt? These are the continuation of warning signs. OVERWHELMED BY STUDENT LOANS Student loan debt has reached $1.5 trillion! And more than 9% are at least 90 days late. Solution: Speak to a school loan counselor to identify options like income-based repayment or consolidation. Avoid it in the first place: grants,…

80% of Americans are in debt. $13.95 trillion (yes, with a “t”.) This is the total amount of debt from the most recent report on household credit and debt. (Federal Reserves of NY) Read those again. Are you stuck in debt? There are warning signs. YOU BELIEVE DEBT IS PART OF LIFE Nope. Debt is…

You can do it! It will change your life. **This is NOT a guide to becoming debt-free in 21 days but instead 21 days of motivation, inspiration, and action to FINALLY get started!** This is a guide to change the way you think about money. Day 1: Plan with your partner (or self) a day…

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…