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If you’re looking to supplement your 401k offered by your employer or you currently do not have an option for a retirement savings account, a Roth IRA could be the savings option for you. Keep reading to learn the ins and outs of a Roth IRAs so you can decide if a Roth IRA is the right option for you! What is a Roth IRA?  Planning for retirement is uber important. Whether you’re looking to get started or wanting to incorporate another savings option, a Roth IRA can be a fantastic...
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For those who love to spend money or often find it hard to restrain their purchases – this blog is meant for you to start 2023 off with smart saving habits. Spending money is most definitely easier than saving. Here are some tips to rein in on spending as well as save when spending. Keep reading for the spender’s guide to saving money in 2023.  Step 1: Automate Your Paychecks  Automating your paychecks is an easy way to save your money and hold yourself accountable to...
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A Home Equity Loan and Home Equity Line of Credit are both loans that use your home as collateral. Though they are very similar, they are different loans. Keep reading to learn what a Home Equity Loan and Home Equity Line of Credit are, their differences, and their benefits!  What Are They and How Do they Differ?  A Home Equity Loan or a Home Equity Line of Credit, commonly known as a HELOC, are both loans which use your home as collateral. Both are fantastic options for borrowing...
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As winter closes in, take advantage of the change in season by creating your very own winter bucket list! Here are some quick and easy cold-weather activities to keep you, your friends, and your family busy this winter.   Host a Tailgate Party   ‘Tis the season for yummy food and FOOTBALL! Hosting a tailgate party to cheer on your favorite team is a great excuse to get together and eat some yummy food! Need a dish? Include one of these game-day recipes or incorporate...
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As the holiday season nears, it is important to make changes to efficiently budget for your expenses. Here are some holiday money mistakes to avoid this year so you don’t have to start 2023 in financial regret! 1. Not Setting a Holiday Budget  We’ve all been there and unfortunately have learned from our mistakes. Not setting a holiday budget will get you quick and set you back financially if you don’t better your budget. It is important to not only budget for gifts, but...
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Fall is the perfect time to get your home clean, organized, and cozied up before the busyness the holiday season brings. Get these seasonal tasks and household chores that may have been neglected during the summer marked off your cleaning list NOW!  Winterize the Exterior of Your Home Wash Down the Windows   As winter days creep in, you’ll thank yourself for tackling this task in the early fall. Be sure to get one last wash on your interior and exterior windows...
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The warm days are slowly fading away. After a hot summer, it’s exciting to welcome Fall and Winter weather. As the weather begins to transition, here are some tips to incorporate in your home to save energy and some money! If you aren’t careful, higher energy consumption can creep into the cooler months as well.  Use Natural Light to Your Advantage  Use the sun’s energy and warmth to your advantage! During the day you can finally open those blinds up for natural...
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Whether you are hosting this holiday season or simply trying to get into the cozy spirit, we’ve got some budget-friendly transitional décor tips to spruce up your home!    Transitional Pieces Are Key: Less is More Decorating for fall and winter can seem incredibly overwhelming and expensive if you pick out décor for every seasonal transition and holiday. The key is to keep things simple and pick out items that will last you through the new year. If you decorate...
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Having our kids grow up in a world that becomes more and more digitized can be a scary thing. The best thing you can do for your kids is to teach them about cybersecurity and implement safe online habits early on. Here are some tips to outline with your kids to ensure safe cybersecurity practices.  Educate Yourself First  There is not a one size fits all approach to teaching your kids cybersecurity at a level they understand. Each kid is different and wants different things from...
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We all know it is important to have a good credit score when in reality many people do not even know what a credit score is. This is ok, we are here to help! Having a good credit score is a lifeline for your future, so it is very important to know what a credit score is, how it can be positively and negatively impacted, and why it is so important to everyone. Take a few minutes to brush up on your knowledge of credit and how you can have a good credit score.  What is a Credit Score?  Credit...
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