Summer is a time of year jam-packed with adventure! However, between travel, summer childcare, and social activities, it can also be costly. Here are a few ways to enjoy your summer without breaking the budget:
According to the IRS, the average tax refund is $3,000. Yes – 3,000 big ones! What’s the first thing that you’ll do with your windfall of cash? Save it, of course! While you may be tempted to blow your money on things like electronics or a new wardrobe, we encourage you to resist the temptation to spend. Use your refund in one of these three ways and you’ll thank yourself.
Each year, over 25% of Americans make New Year’s resolutions to spend less and save more money. Unsurprisingly, following through on these resolutions is harder than it seems. But, with proper planning and the right financial tools, it’s possible to accomplish this.
With so many financial insitutions to choose from, have you ever wondered: which financial insitution is the best for me? It's a valid question to ask and we believe the answer is simple: a credit union. With a credit union there are no account maintenance fees, lower rates and, best of all, we're community based and member focused. Need more convincing? Check out these facts that detail the differences between banks and credit unions.
A credit score of 720 or more is considered prime—this means you’re in good shape. Scores under 550 mean you could be turned down for a loan. Scores in the good-not-great range (550 to 720) might get you loan approval, but your interest rates will be higher than if you had a prime credit score. Nobody likes the idea of paying more money for no reason, so it makes sense to adopt credit habits that will boost your overall score.
Have you ever wondered: why is my credit score so important? Then you’re in luck, because we have the answer, or in this case, answers, to your question. Your credit score is a three-digit number than can affect everything from your ability to get a loan to your career growth. Here’s what you need to know about your credit score.
Struggling to figure out the perfect gift for dad this Father's Day? Instead of another year of polo shirts and golf balls, think outside of the box. This Father's Day give dad the financial resources and money tips that will last after his special day.
You’ve tossed your cap in the air and are ready to wave your hands like you just don’t care! Sound familiar? Before you look forward to no homework and video games until 2 a.m., you’ll want to take these three steps.
There are two “golden rules” in personal finance that apply, regardless of how old you are: 1) live within your means, and 2) look forward to the future and save for it.
These are two very simple concepts, but very powerful. If actually applied to your everyday life, they can mean the difference between being constantly stressed about your finances, and feeling secure and in control. Below are some more specific suggestions by decade.
You know the three digits that make up your credit score, but do you know what factors credit companies like FICO, Equifax and TransUnion use to come up with this score? There are five categories that impact your credit score: amount of debt owed, payment history, new credit, length of credit history and credit mix. While all of these factors are considered, some weigh more heavily than others.