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Tag Archives: Personal Finance

Equally Important: Personal and Business Finances

Success as a small business owner comes from treating your business like the bigger business you want it to become. That means making it clear to potential customers, vendors, bankers and especially the IRS that you are a businessperson who has turned your dream of owning a company into reality. This difference in how you are perceived not only helps you negotiate better deals—it also makes a big difference at …Read More

How to Mitigate Black Friday Spending

 By Steve Nitz It’s nearly that time of the year. The day after Thanksgiving, aka Black Friday. It’s a day a lot of people hate, but also an event numerous citizens of the United States fall in love with. Whether it’s heading to the store in the afternoon or going out at 6 a.m., shoppers love getting a good start on Christmas shopping and taking advantage of the best deals …Read More

Single Mom Tackles Over $80,000 of Debt with Credit Counseling Help

  By Mark Foster Carmen Harmon of Rogers, a single mom of three children who went through an emotionally difficult divorce that sent her finances into a downward spiral, was selected as the COA Debt Free Client of the Year. In the years following the divorce, she had accumulated $82,000 of credit card debt. She also bought a home, but was unable to sell her previous home, so she was …Read More

3 Tips for Budgeting as a Couple

 By Lauren Lovett, Certified Credit Counselor and Grant Writer for Navicore Solutions  Finances play a vital role in relationships.  When it comes to managing a household together, it is important to work as a team. These three tips can help! I. Be honest and open about all sources of income, expenses, debts and assets. You have selected one another to be partners in life, and therefore, partners in managing finances. …Read More

How to Eat Healthy on a Budget

 By Steve Nitz Let’s say you have two issues you’re looking to take care of: issue No. 1 being that you want to start getting on that diet you’ve talked about for years, and No. 2 being that you’re also in a crunch to start saving money. When it comes to shopping at the grocery store, eating healthy can get expensive. Here are five ways you can eat healthy and …Read More

How to Get on the Path of Financial Freedom: 6 Tips to start saving more and spending less

If you are like many Americans, you may find that the achievement of your dreams often comes at an expense. Whether your goal is to own a home, become an entrepreneur, or travel the world, you need a sense of financial freedom.  You do not need to have a lot of money to be financially free, you just have to be wise with the money you have. Here are tips …Read More

5 Ways to Keep Bank Accounts Cool During Hot Summer Months

 By Tara Carter Temperatures are heating up this summer, but that doesn’t mean you’re spending has to increase with these hot temperatures. Here are 5 ways to help keep spending under control, and bank accounts cool this summer:   1) Set a Budget  Pay attention to spending habits so you don’t end up spending more than you earn. Over spending is a quick way to lead yourself into poor financial health and …Read More

An Introduction to 3% Down Conventional Home Mortgages

 By Henry Ochoa For the past few months, private banks have been introducing 3% down conventional mortgage packages. These 3% down mortgages are a way to get first-time homebuyers into a home with a low down payment, as opposed to having to pay the typical 5-20% conventional down payment. Low down payment mortgages are an attractive option for people who live in cities where rent is high and it’s tougher …Read More

Are You Ready for an Emergency?

By Mark Foster Recently Bankrate.com released a staggering statistic stating, “66 million U.S. adults have no savings.” Let that sink in for a minute. That’s the same number as the population of California and Texas put together! That’s a lot of people living paycheck-to-paycheck, and living on the edge of a financial cliff. It can be easy to put off the task of building your savings account, however the reality …Read More