Budgeting - Savings vs. Retirement

How do a savings account and a retirement account differ? A savings account helps to insulate you from financial emergencies or unexpected expenses. A retirement account consists of money you are putting away for the specific purpose of retiring. 

Budgeting: Using Cash vs. Using A Debit Card

Learning how to use the envelope method of managing money to stay on a budget is worth the little bit of extra effort. People who use this method may be less likely to overspend.

How to Use the Envelope Method to Stay on a Budget

Maintaining a working budget is key to your financial well-being. One way to stick to your predetermined spending goals is to use the “envelope method.” This simple but effective way to monitor spending is a great way to make your budget work for you.

What are Ancillary Products?

If you’ve ever taken out an installment loan, you may be familiar with some of the optional products that are offered alongside them. These additional products are commonly called ancillary products, and each offer specific benefits.

What is Credit Insurance?

If you’ve ever taken out a personal loan, you may know there are insurances, some of which are required, on the loan. These payment protection plans are designed to safeguard both the lender and borrower. The insurances available may vary from state to state. Below is a brief description of some of the coverages.

How, Why, and When to get your Free Credit Report

In 2003 the provisions of the Fair and Accurate Credit Transactions Act (FACTA) brought about an amendment to the Fair Credit Reporting Act (FCRA.) This entitles you to one free credit report every 12 months from each of the credit bureaus; Equifax, TransUnion, and Experian. It was put in place to help consumers monitor their credit and help protect themselves ...

Tips to Help You Win at Budgeting

Your budget is a tool that you design to help you get the most out of the money you have. Since you are in charge, the money making decisions are up to you. Here are some tips that will help you succeed on a budget. 

Making Money Decisions with A Budget in Mind

Creating a spending plan is a smart way to give your money direction. The choices you make about where and when to spend your money affect nearly every aspect of your life. Fortunately, basic money management is a skill that’s easy to learn and will allow you to stick to a budget. 

Was I Affected by the Equifax Data Breach?

September 19, 2017
Recently Equifax revealed that 143 million consumers had their personal information exposed in a data breach from May to June 2017. That represents 44% of the American population.  

How to Make a Budget Work for You

It’s not difficult to make a budget (and stick to a budget) if you have a game plan. Getting your money organized will allow you to get the most out of your current income. It will help you avoid account draining late fees and overdraft fees, as well.  

Free! Top 5 Factors and How They Affect Your Credit Score

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