Budget

Do you have existing debt you’re looking to consolidate? Debt can be a major stressor in our lives and a huge factor in the wellness of our financial profiles. As helpful as loans and credit cards can be for building credit and allowing a financial buffer, if not managed properly, they can allow you to accumulate large amounts of debt. Let’s ditch the debt with these ten helpful tips below!  Create a Realistic Budget Plan  If it’s time to address consolidating...
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Summer is the season of sun-kissed adventures, endless fun with loved ones, and exciting travel escapades. But beware, as the heat can bring on some serious expenses! To make the most out of your summer savings and keep your finances in check, here are some awesome tips to check out:  1. Build a Budget   Get ready to get financially fit! Start by putting on your budgeting hat and listing out all your expenses — fixed costs like rent or mortgage payments, and variable...
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Creating a budget and sticking to it can be difficult for anyone. Money always seems tight, and there’s always something you need to pay for. Creating a budget requires discipline but is much easier when you have a specific savings goal in mind. You could create a budget to save for:  A family vacation  A child’s wedding  A new car  A down payment for a new home  A rainy-day fund for future expenses  If you’re not sure where to start...
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A regular checkup with your doctor or dentist is a time to make sure your health is on track, there are no big concerns, and things are functioning normally. You are making your health and well-being a priority, which is great because you want your body to function properly and effectively for many years to come. When it comes to your personal finances, how often are you doing a checkup? You need a banker just like you need your doctor or dentist. Keep reading to learn what a financial checkup is...
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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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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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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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