It seems like the holiday season just wrapped up, and now it’s almost time to celebrate Valentine’s Day. While pink and red hearts line the store’s shelves, you may be wondering: What are our plans to celebrate the lovey-dovey holiday in a few short weeks? Valentine’s Day is notoriously expensive. The average person spends anywhere from $116 to $218 on things like flowers, chocolates and dinner. While it’s nice to treat yourself (and be treated), these expenses can add up quickly. Read on →

Can you believe we’re already halfway through January? The holidays came and went, and now it’s time to work on our new year’s resolutions and reach our goals in 2023. Making short-term and long-term goals can help you stay motivated and on track with your finances. Whether or not you’ve already made financial resolutions, here are a few tips to transform your finances once and for all this year: Read on →

In today’s economy, it seems like everyone has a side hustle, a part-time job or recently started a new business. Figuring out what side hustle works best for you can be a challenge. You have so many things to consider—the time commitment, startup costs and flexibility. Your criteria greatly depends on your current work and family situation and varies greatly from person-to-person. Why Do I Need Extra Income? Aside from the obvious answer of paying your monthly bills, an extra income could help you pay off debt, build your emergency fund or save for a big purchase. Read on →

Winter is here! The chilly weather, snowfall and lack of sun during this time of year may cause you to turn up your thermostat to keep your home toasty. We all love a warm, cozy day spent indoors, but hiking up your indoor heating may give you a fright when you see your utility bill. Instead of worrying about how you’re going to keep yourself warm this season, these tips can help you keep your family nice and warm all winter long. Read on →

When trying to get your finances in order, it is common to set financial goals. You want something to look forward to, and striving to achieve a goal is a great way to keep you on track. But if you’re always setting long-term financial goals, you may be setting yourself up for failure. Short-term goals have many benefits over long-term goals, especially when it comes to finances. Yes, long-term goals are important, so don’t forget to dream big and look at the big picture! Read on →

Having a good credit score can make your financial life easier. Yes, you can live with a poor credit score, but it’s going to make some things more challenging. Whether you’re on a debt-free journey to help boost your credit score or are trying to find motivation to maintain your good credit score, here are a few reasons why having a good credit score is beneficial to you. Lower Interest Rates When you borrow money, the interest rate you receive is largely tied to your credit score. Read on →

Studies show that 64% of American adults report money being a significant stressor in their lives. What’s even more alarming is that 34% of adults described their financial situation as “just getting by.” These statistics show how important financial literacy is and the significance of teaching the next generation better ways to manage their finances. At the age of 5, children begin understanding concepts about money. The earlier these lessons are taught, the better-equipped children will be with their money as they grow into adulthood. Read on →

We all want to be financially stable and reach our financial goals, but it isn’t always that easy. Setting a goal is as simple as deciding what you want to happen, but actually accomplishing it is another story. So, how can you set financial goals that you can realistically accomplish? With some planning, motivation and regular reminders, your financial goals are sure to be within your reach! Make Clear Goals What do you want to accomplish with your money? Read on →

The average American carries $26,621 in consumer debt. If this statistic sounds familiar, it may be time to focus on paying off debt. Unfortunately, there aren’t any shortcuts when it comes to paying off debt. In reality, we aren’t reinventing the wheel here. Like any other financial goal, debt payoff requires commitment, a level of discipline and time. When you’ve decided to take the plunge into financial security, here are our top tips for paying off your consumer debt once and for all! Read on →

Trying to save money on a small income can feel like a cycle that never ends. You intend to put money aside at the beginning of the month, something comes up and because you don’t have the money in an emergency fund beforehand, you end up using any spare money towards everything other than your savings account. Sound familiar? It can feel frustrating trying to save on a small income. Read on →