Sunset Finance

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Entertaining the Family on a Summer Budget

Spring to summer is a fun transition for most people. The warmer weather and bright sun make outdoor activities more appealing. If you look forward to all of the fun and excitement of summer, you probably also have some mixed feelings about how expensive this high activity season gets.
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Suggestions for Saving & Retirement

If you’ve had a tough time saving money in the past, you aren’t alone. Bankrate released a study in 2016 indicating that one in six households with annual income between $50,000 and $75,000 have no emergency savings. More than half of households with annual income below $30,000 have no savings. This is the same study that showed half of all Americans couldn’t handle ...
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Decreasing Wasteful Spending

When it comes to spending money, we all have a habit or two that probably aren’t working in our favor. Financially speaking, there are two ways to reach your money goals; spend less or make more. Ideally, you’ll achieve a combination of both.
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Worried About Getting Your Taxes Filed by the April 17th Deadline?

For those that don’t think they’ll be able to complete and file their tax paperwork before Tuesday, April 17th deadline, there’s an IRS-approved way to get a free 6-month extension that only takes about five minutes.
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Why Saving is Important

Having money set aside to cover minor emergencies, funding your retirement, and knowing that if you lost your job you could still pay the bills for a few months offers the kind of peace-of-mind that makes saving money worth the effort.
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Useful Budgeting Software

Sticking to a budget presents a challenge for many people. For some, using budgeting software helps make the process of allocating income to categories easier. Having constant access to your budget, even when you are out and about, helps keep financial goals front and center.
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Financial Responsibility Basics

There’s more to financial responsibility than having a budget. It’s a great place to start, but living within your means is a crucial money-management skill.
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Possible New Law Would Make Credit Freeze Services Free

After Equifax’s huge data breach last year, 145 million consumers were at risk of identity theft. Equifax offered free credit freezes to people affected by the information hack until June 2018. Lawmakers say it’s not enough and consumers shouldn’t have to pay fees to lock down their personal information. They’ve called for more safety measures that would protect ...
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Understanding What’s on Your Credit Report

Reading your credit report for the first time may be confusing. There’s a lot of information included about your loans, credit lines, and accounts. Checking your credit report from each of the three credit reporting bureaus each year and understanding the information is an important part of your financial health.
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Understanding Annualized Percentage Rates (APRs)

According to the federal government’s Truth in Lending Act (TILA), APRs are defined “as the cost of credit expressed as a yearly interest rate.” The key word being “yearly.” APR accounts for the entire cost of the loan, including all fees and interest.
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