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Budget

5 Steps to Take Before Moving Out of Your Parent’s Home

Living with one’s parents can be a great way to save money and prepare for adulthood. And it’s more common than you might imagine. As Pew Research noted, some 15% of millennials ages 25 to 35 still lived with their parents as of 2016. Some statistics say it may be even double that. This is a new trend, with Generation Xers living at home at much lower rates at the …Read More

How to Plan Your Retirement On the Go

It’s common knowledge that you should start planning for retirement early. Staying on track requires learning how to carve out savings and knowing how to manage it all to make sure you have enough when the time comes. Whether you’re in the early stages of the planning process or you’re further down the line and need help managing the money you’ve already set aside, your phone can help. Getting in …Read More

Get the Financial Help You Need During the Government Shutdown

The government shutdown is now causing many Americans to wonder how they will survive financially. By some estimates, 380,000 workers are furloughed indefinitely without pay, while an additional 420,000 are working without pay until the shutdown ends. With no immediate end in sight, more than 800,000 federal workers nationwide will be without a paycheck this Friday. This will be the first payroll distribution affected by the shutdown.   The Federal …Read More

Top 5 Most Expensive Cities in the U.S.

Deciding to move to a new city can be a tough decision for anyone, as it’s a big leap to take. One factor to consider is how much it costs to live in a city. While certain cities around the U.S. are great places to live, the cost of living may make you think twice before moving there. Below is a list of the top five most expensive places to …Read More

Preparing for Large Purchases Before College Graduation

Saving Before Graduation While it’s difficult to focus on the future with a mountain of homework in front of you, there are easy ways to start saving before you graduate. Since a vast majority of college students share housing, many are able to drastically cut electric, utility, cable, and internet bills. Some Ways Student Can Cut Costs: Share streaming services, phone plans, and grocery bills with roommates or family. Negotiate …Read More

Ask an Expert: Where do I begin to create a workable budget?

Q. My bills are more than my income. I don’t make enough to create a workable budget. Where do I begin and what do I do to fix this? Dear reader, Budgets are tools that allow us to review and organize our finances to meet our financial responsibilities and achieve goals. Developing a “workable” budget depends on your current financial responsibilities and income as much as on your goals and …Read More

Winterizing Your Home On A Budget

People living on a budget might not take extra steps to winterize their homes, figuring they can’t afford it. But many winterization options are free or very inexpensive, and save a lot of money on heating bills. Don’t let a tight budget prevent you from winterizing every year.   Free things you can do Insulate leaky doors with a towel. Roll up a towel and place across the bottom of …Read More

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

First-Time Home Buyer Tips

So you and you’ve finally decided to take that next step. You’ve got a steady job, saved up some money and are ready to start a family. You’re ready to buy a home. You’ve picked out the city you want to live in and are ready to finally make that purchase. But before you do, take these first-time home buyer tips into consideration before you sign the dotted line. Is …Read More

Tips and Ideas for Budgeting for Summer Fun

Part of the credit counseling process is creating a budget that works. It’s important to take into account everything that one spends and keep it in mind when budgeting. That means keeping your budget flexible for different times of year. Summer is the time when families look to get away, spend time outdoors, and keep the kids’ minds engaged until they go back to school. Here are some quick tips …Read More