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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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Summer is here and it’s time to make your backyard its best for less! Your backyard is an investment for you to enjoy, yet have as a functional space for your family. Check out these tips to beautify your backyard but not bust your budget. Deep Clean Before you choose to upgrade or make any renovation, give your backyard a deep clean. There is nothing a good power wash can’t make look a little better. Rake any leaves, pick up sticks, edge your landscape, sweep out the dirt, grime,...
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Eating out is sometimes more than just giving our body the nutrients it needs, it can be fun, different than the norm, and be a social outing. We all need to eat to live, but for those who live to eat out, here are some tips to lower your bill but still enjoy that meal out here and there.  Change Your Drink Order As much as we all love a good fountain soda here and there, the extra money spent on coffees, tea, and soda adds up. Most of the time, water is free so if your goal is to save...
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We have all been there when either an emergency comes up or money gets tight. It may feel like an easy solution to dip into your savings but don’t allow that to be your first solution as if you do it once, you’re more likely to make a habit of it. Allow your savings account to be untouched and have the opportunity to grow. Try these five tips before resorting to your savings, you can thank us later.  Rework Your Budget  The first thing you should do if you are feeling...
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Debt can be a burden and a hindrance to financial success. Eighty percent of Americans have consumer debts, and the average debt is $38,000, excluding mortgages. Paying off debt will help you to improve your credit rating, save you on interest payments, and make you financially secure in the short term. On the other hand, saving for retirement can offer a long-term return on investment that is not guaranteed by paying off debt. The longer you wait to save, the less you may earn. You may need...
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 We all enjoy eating out and spending time out with friends here and there, but it can add up! When looking for ways to be social, but cut back on your spending, it can feel like you’re not allowing yourself to fully indulge and have fun. Should you go out to eat or spend a night out on the town? Absolutely yes, socialization is something we all enjoy in our own way. Check out these tips to cut spending, but still, enjoy yourself here and there. Track Your Spending   To...
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In uncertain times, many Americans are feeling the pinch when it comes to making purchases of any kind. It is particularly difficult to make large purchases. As the Reserve's Federal Open Market Committee continues to raise interest rates, a borrower’s credit score is becoming more important by the day.  Why is your credit score important? Put simply, lenders use your credit score to determine your creditworthiness. Your credit score affects whether you get approved for credit...
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Staging your home can just be another hectic task on your plate to get your house sold. Here are a few tips on how you can stage your house to sell easily and on a budget. Curb Appeal to Make a First Impression  A good curb appeal will stand out to your buyers immediately. Good landscaping and outside projects can take time. If you’re in a rush to get your exterior ready to go, the first thing to focus on would be removing dirt from the siding, roof and gutters. A good pressure washer...
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Summer is here, so start planning now to ensure an awesome and affordable experience. The best tip for booking a vacation is to plan well in advance – start your planning process here by reading up on a few suggestions to make your summer vacation seamless and inexpensive!  Book Flight Tickets in Advance Planning in advance is the most important tip for a successful and budgeted vacation. Nail down where you are going and when. Purchasing airline tickets for travel well in advance...
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