Jan 152020

Planning for Your Family’s Financial Future

Posted on January 15, 2020 Uncategorized

    Starting a family, whether it be large or small, is a significant undertaking. You’re not just looking after yourself – you have the needs of a spouse, children, and/or animals to consider, as well as investments such as homeownership and purchasing the right car. The financial security of your family should always be your strongest goal, and varying income levels can play a role in what you’re able to accomplish. However, it’s important to steer away from the common mistakes many people make when they start a family.   Don’t let your budget go by the wayside.  If

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Jan 102020

Budgeting Tips for College Students

Posted on January 10, 2020 Uncategorized

    For young adults, college is a place of learning – but what you learn isn’t simply limited to a classroom. Learning how to create and stick to a solid budget is one of the most important steps in becoming a full-fledged adult, and there’s no better time to start than when you’re still on your way to the working world. If you take on a job in college, understanding how much you earn every month and how you spend it is crucial in determining your financial comfort, and will help you in the future.   Here are a

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Jan 072020

Shopping for a Family Car – What to Look For

Posted on January 07, 2020 Uncategorized

  Buying a new or pre-owned car can be a challenging and time-consuming task when you factor in price comparing, getting pre-approved, and spending weekends on car lots. If you’re shopping for a car for your family, you might have to change whatever car buying tactics you used when buying a car for yourself. The way you finance your new car may change, and you’re going to look for features that are accommodating for all members of your family, both younger and older.   What features should you look for when shopping for a family car? Here are a few

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Dec 242019

Making Real Money from Your Side Gig

Posted on December 24, 2019 Uncategorized

  In the last several years, it’s become more and more common for working Americans to pick up some kind of side gig to bring in more income, help pay off debt, or simply have extra “rainy day” money. Whether you’re driving for a ridesharing service, selling your work on eBay or Etsy, or offering housesitting / petsitting services, there are so many different ways one can make money on the side. However, it’s important to ask yourself the important question: Are you making actual money with your side gig?   The answer to that question can determine whether you

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Dec 102019

Easy Workplace Stress-Busting Tips

Posted on December 10, 2019 Uncategorized

  As many working Americans can tell you, workplace stress is a big reality. Whether you have an administrative desk job, a front-facing customer service job, or a hands-on trade job, that stress will always manage to come up. However, it’s not just your daily job tasks that can cause stress; according to the American Psychology Association, 76 percent of Americans say that money and finances are a major cause of stress. And naturally, this can bleed into the workplace. Stressors surrounding money and your place of work can become intertwined, especially when it comes to salaries and paying bills.

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Dec 022019

Money-Saving Tips for Your Winter Electric Bill

Posted on December 02, 2019 Uncategorized

  Winter has (almost) officially arrived in the Bay Area, and residents are looking for ways to beat the cold. The costs associated with keeping a home warm in cold months can give you sticker shock, even if you use alternative heat methods. However, there are a number of ways you can help cut your energy costs, and many take almost no effort.   Staying warm in the winter doesn’t have to break your bank. Here are some simple and innovative ways to keep down your energy costs in the upcoming winter months:   Keep an eye on your thermostat.

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Nov 282019

3 Money Saving Tips For Your Next Move

Posted on November 28, 2019 Uncategorized

  When it comes to moving into a new home, anyone who’s ever done it can attest to the fact that it’s stressful and it can be expensive. Regardless of your budget, you’re going to run into cost issues, and you’re going to have to make decisions regarding your method of moving and how much you want to spend. Some households are able to hire movers, while others opt for a less expensive DIY move. However, there are a number of ways to make your move less stressful and expensive so you can settle into your new home with ease.

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Nov 202019

4 Important Tips for Black Friday Shopping

Posted on November 20, 2019 Uncategorized

  This Friday marks Black Friday, which means the official start of Christmas shopping season will soon be upon us! This post-Thanksgiving event is a day in which you can clean up with great deals at retailers of all kinds. From big box stores to smaller shops, you can find great bargains almost everywhere. However, it can be a stressful experience, both for your brain and for your pocketbook.   Before embarking on your holiday shopping journey, it’s important to make a plan to prevent overspending, and to ensure you’re choosing the perfect gifts for your friends and family. Here

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Nov 122019

Credit Card Spending While Traveling Abroad

Posted on November 12, 2019 Uncategorized

  At Polam, we have a significant number of members who enjoy traveling abroad, whether it’s to their native Poland or simply anywhere around the world. Of course, visiting countries overseas requires a bit of prep, even for experienced travelers; obtaining a passport, making solid plans once you’re overseas, and ensuring your affairs and home and work are in order while you’re gone. However, there’s one very important element that needs to be considered as you travel abroad – your finances and plans for spending while traveling.   While traveling can be fun, it can also be stressful, especially for

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Nov 072019

Creative Gift Ideas for Your Parents

Posted on November 07, 2019 Blog, Blog, Blog, Blog, Blog, Blog, Blog, Blog, Blog, Blog

  Christmas is just around the corner, which means one of many things – shopping for your family, friends, co-workers, neighbors, or anyone you desire. Some people like to go the retail route and shop at department stores or boutiques; some people want to go more personal with handmade gifts, baked goods and snacks; and some choose to give gift cards as Christmas gifts. Whatever your preference may be, there’s no wrong way to give during the holiday season.   For many people, their parents are some of the most important people in their lives, and they want to give

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