Jul 282020

Budgeting for Your Ideal Home

Posted on July 28, 2020 Uncategorized

    For first-time home buyers to seasoned homeowners alike, buying a house can be both an exciting and nerve-wracking experience. Not only do you have to factor in your budget as you search for your ideal home, but you also have to consider location, square footage, local school districts, crime rates in various neighborhoods, and so forth. The right realtor will help you navigate the home buying waters and take care of the “dirty work” (so to speak) of closing on your new home, but you also have your own role to play – making sure you can properly

▸ continue reading
Jul 152020

Saving Money After Graduation – Tips for College Students

Posted on July 15, 2020 Uncategorized

  After you graduate college, you’ll find yourself living in uncertain times. Everything about the way you lived, worked, and most importantly, spent money for the last four or five years is about to change for you. No longer will you be attending daily classes, taking exams, or taking part in extracurricular activities – you’re a college graduate now, moving into the traditional adult world, and it’s time to change the way you look at your finances.   Regardless of whether you find a job after college, an internship, or you take time looking for the right gig, it’s important

▸ continue reading
Jul 102020

Saving Money on Your Furry Friend

Posted on July 10, 2020 Uncategorized

  In both times of peace and times of uncertainty, having a pet by your side can be an incredible comfort and gift. With so many dogs, cats, bunnies, and other furry friends eagerly waiting to be adopted, it’s almost impossible to not find a critter that you can bond with and bring home. And with shelter overpopulation occurring all over the country, it’s an act of altruism to adopt and give a forever home to an animal.   However, adopting a pet comes with a price, and not just the price you’ll pay at the shelter or rescue. Pets

▸ continue reading
Jun 302020

Keeping Your Personal and Financial Information Secure

Posted on June 30, 2020 Uncategorized

  When it comes to making purchases with your debit or credit card, it’s easy – swipe or insert your card, enter your PIN (if you’re using a debit card), approve the transaction. However, making purchases online with your debit card is even easier, as popular e-commerce websites can save your card information to make buying online even easier. However, in 2019, debit card fraud rose over 10 percent in the United States, and even the most cautious consumers can be at risk if they aren’t careful.   When shopping offline, consumers should be on guard regarding “skimmers,” which are

▸ continue reading
Jun 262020

Why Should You Apply for A Personal Loan

Posted on June 26, 2020 Uncategorized

    When it comes to borrowing money, people do so for a number of reasons, and because of this fact, you’ll find that there are a wide variety of loans that are tailored for a specific purpose; for instance, most financial institutions offer mortgage loans, home equity loans, auto loans, business loans, and more. However, personal loans can be used for a number of specific reasons, and can come in handy when you need an extra cash flow. While homeowners may be able to take advantage of home equity loans for such reasons, non-homeowners can look into personal loans

▸ continue reading
Jun 172020

Planning Your Wedding – How to Save Money on Your Big Day

Posted on June 17, 2020 Uncategorized

  We’re deep into the wedding season, and all the love in the air may inspire you to pop the big question to your significant other, or to talk about the idea of getting married. However, before you get too excited, it’s important to consider the costs of hosting a wedding, and decide the kind of event you’ll host. According to a recent report from the popular wedding magazine and website The Knot, the average cost of a wedding in the U.S. runs close to $34,000 – and this includes the cost of an engagement ring. With that information, you

▸ continue reading
Jun 132020

The Most Common COVID-19 Scams and How to Avoid Them

Posted on June 13, 2020 Uncategorized

  Scammers and fraudsters have existed for a long time with the intent to harm unsuspecting people. During unprecedented times when people are vulnerable, such as when a natural disaster hits or a financial recession, there may be a higher chance of experiencing such scams and fraudulent activity. Right now, scammers are taking advantage of the coronavirus outbreak to create scams that are related to the pandemic.   Here are some of the most common scams we’ve seen, and what you should do if you experience one:   An influx of robocalls:  Many people have received phone calls from scammers

▸ continue reading
May 302020

Should You Buy a New or Used Car

Posted on May 30, 2020 Uncategorized

  When you decide to buy a car, one of the important first steps is deciding whether you want to buy a new car or a used car. This will be one of many decisions you’ll make in the car buying process, but it may be considered the most important one. There are a number of variables that factor into this decision, including but not limited to: your income level, the kind of car loan you’re able to obtain, and your plans for your new car (i.e. will it be a family car or a car that you alone drive).

▸ continue reading
May 232020

The High Risks of Payday Loans

Posted on May 23, 2020 Uncategorized

  Payday lenders are everywhere; drive past any strip mall in any city and you’re likely to find at least one. These lenders offer short-term loans to potential consumers to help solve their immediate financial issues, and they generally come with high interest rates and a service fee. They can cover gaps in pay periods, and are generally easy to obtain – especially since these payday lenders can be found anywhere. However, before you consider one of these loans, it’s important to understand that they come with a high cost, and it can be hard to get caught up financially

▸ continue reading
May 192020

Your Credit Score – How It Can Affect Your Daily Life

  When it comes to your purchasing power and your ability to find employment or a place to live, three simple digits can make a huge impact – your credit score. This score is the numeric representation of your financial health, and it can make a significant dent in your lifestyle if that score is low. Credit scores generally range from 300 to 850, and anything lower than 600 is considered unstable credit, and can affect your ability to obtain a credit card, rent a home or apartment, or take out a loan. They can also affect the interest rate

▸ continue reading