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Savings

Smart Money Moves to Make Before You Get a Mortgage

The American dream—owning a home with a white picket fence—just may be alive and well. There are trillions of dollars’ worth of mortgages in the United States, with a surprisingly low amount of them in delinquency. That demonstrates that not only are Americans affording homes, but they’re doing it without missing frequent payments.   If you want the same for yourself, you may find there are a number of things …Read More

When Does It Make Sense to Use an Emergency Fund?

Your commitment to building an emergency fund has been rewarded with a healthy financial buffer. If you’ve been following the general advice regarding the size of a “rainy day” fund, you should have saved at least three-to-six months worth of living expenses. But, when should you actually tap into this emergency fund? What is considered a financial emergency? Each person has his or her own ideas of when it makes …Read More

Simple Steps to Save Successfully During Military Saves Week 2017

By Tammy G. Bruzon, Military Saves Military Saves Week (February 27 – March 4, 2017) is an annual opportunity for individuals to assess their savings and take financial action. Each year, we encourage servicemembers and military families just like yours to set a goal, make a plan, and save automatically. This Military Saves Week, try these five simple steps to help yourself save automatically – and successfully: Assess Your Savings …Read More

Start Your Holiday Planning Now

 By Mark Foster While the holidays might not be right around the corner, it’s still a good idea to start thinking about your holiday spending. To some, it might seem odd to start thinking about a holiday budget now, however planning sooner is better than later!    The holiday season rolls around at the same time every year, yet it still seems to catch many off-guard. Ultimately, waiting until the last minute to begin thinking about a budget can …Read More

How to Save on School Supplies

By Becky Winters, Grant Coordinator at Navicore Solutions School is in session, and you know what that means: Your children need backpacks, books, notebooks, pens, crayons, Kleenex and an endless supply of other school items. Here are some tips to help you save money this fall.    1) Give your children a school allowance –Even though school has already started, your kids probably still are begging for every bell and …Read More

When to Say No: A Parent’s Guideto Giving Adult Children Money

By Barb Miller When I work with clients who give money to their adult children I am always curious why. Since preparing a comprehensive budget is part of the counseling process, the topic often comes up. The adult child may still be living at home, or recently returned to the parents’ household. Or, parents may be giving money to an adult child that lives on his/her own. Often what I …Read More

Build Your Emergency Savings Cushion

By Mark Foster Although the Great Recession is over the economy still seems to be merely limping along. Thirty-nine percent of adults do not have any non-retirement savings, according to a survey by the NFCC. Saving is an essential goal to have. Emergencies are a fact of life. It’s not a question of “if” you will ever have an emergency, but “when.” So having money saved is a necessity. Fifty-nine …Read More

Cool Tips For Summer Fun That Don’t Break The Bank

By Gail Cunningham When school let’s out every summer, the thoughts of children and families across the nation turn to fun-filled summer days. But rather than letting summer break the bank,  inexpensive activities can pass the sunny days with the children without missing a beat. Visit the local library. Most local libraries provide regular storytelling programs that provide an air-conditioned break that keeps even the youngest and oldest reader’s learning skills sharp. …Read More

6 Steps to Your Personal Independence Day

By Stacy Johnson Independent: (adjective /ËŒindəˈpendÉ™nt/) Free from outside control; not depending on another for livelihood or subsistence. Our nation’s independence is a source of pride for every American, because it marks the day when our nation became the master of its own destiny – free from outside control. Imagine the day when the definition of “independent” will apply to you – the day you’ll stop “depending on another for livelihood or subsistence.” …Read More

How to Save Money for a Rainy Day

By Lauralynn Schueckler Saving money for a rainy day may seem impossible at times. Everything around us seems to be increasing in price, yet pay remains stagnant. Everyone should attempt to put away money for an emergency, even if it is only a little at a time. Some easy ways to save money for a rainy day that will not require major changes to your budget include: • Throwing all …Read More