Personal Finances

We’ve all heard it is good to have a high credit score, but many people do not know what a credit score is. That is ok, we are here to help! Having a good credit score is a lifeline for your future. It is very important to know what a credit score is, how it can be positively or negatively impacted and why it is so important to everyone. Take a few minutes to brush up on your knowledge of credit and how you can obtain a good credit score.  What is a Credit Score?  Credit scores Read More

How you start saving in your 20s is crucial, so do your future self a favor and start now. Here are some hacks to get smart about finances for yourself or to share with someone you know in their twenties.    What You Need to Know About Spending    Your twenties are such a fun stage of life but can be very expensive if you are overspending. It is important to track how much you are spending on needs, expenses and fun. It is important to nail down how much you are Read More

Summer may be a few months away but planning to save now will ensure an awesome and affordable experience. The best tip for booking a vacation is to plan well in advance – start your planning process here by reading up on a few suggestions to make your summer vacation seamless and inexpensive.  Book Flight Tickets in Advance  Planning in advance is the most important tip for a successful and budgeted vacation. Nail down where you are going and when. Purchasing airline tickets Read More

Are you struggling to get an emergency fund in action? It can be hard to understand the depth of what to start with, monthly contributions and how to build it up. An emergency fund is essential for unforeseen circumstances, a drop in income and all the chaos life can throw at us at any point. Most financial advisors suggest having enough in your emergency fund for 3-6 months’ worth of expenses based on your personal situation. The more you can build your emergency fund, the better!   1. Read More

  Financial education has always been a weak area within education. Talking about money and understanding money management, debt, loans, interest and credit is rarely laid out to people until they get to college or graduate from high school. That’s why we wanted to start the conversation on how to talk to your kids about money, so they are better prepared for the real world.     Talk About Money Young   When you are having money conversations with younger Read More

Just by glancing at a single number, lenders can determine how financially responsible you are and decide whether to lend you money or not. Your credit score determines other important things like interest rates as well, which is why it’s so important to make sure your score is good. If you don’t have the greatest credit score, here are some basic ways you can improve it.      Check Your Credit Score Frequently   Just like you should be monitoring your Read More

It’s tax season! The IRS sets the start of tax season as Monday, January 24, 2022, and the deadline as April 18, 2022. Tax planning will help you gather everything you need to promptly and properly file your taxes for 2022. If you’re already pulling at your hair from stress—don't worry! Get a jump on preparing for taxes this year by following the steps we’ve outlined below.  1. Decide How You Will Be Filing  Will you be doing the filing yourself or will Read More

It may seem like a lifetime away, but retirement has a way of sneaking up on all of us. Something to remember when it comes to retirement is that the earlier you start saving, the better. Plus, you’re never too young to invest in your future. If you’re in your 20s, here are some helpful strategies you can implement to set yourself up for a successful retirement.  1. Rid Yourself of Debt  The first step in creating a retirement fund is to look at what you’re dealing Read More

If your New Year's resolution is to take control of your finances, you’re in the right place. We’re here to give you some ideas on how to make 2022 your best financial year yet. All it takes is some time, discipline, and lots of motivation!  1. Figure out your monthly income.  The first step is to start from scratch, which means re-evaluating exactly how much money you have coming in each month. If you work a job that has a varying monthly income, estimate it to be Read More

Paying off student loans isn’t going to happen overnight – it takes time, and most importantly, discipline. There are some steps you can take to speed up the process and be debt-free sooner rather than later. If you’re in need of some advice on how to pay off student loans quickly, you’re in the right place. Pay MORE than the minimum.  If you’ve only been paying the minimum, odds are you haven’t seen a whole lot of progress. Plus, the interest Read More