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Have You had a Financial Checkup?
February 14, 2023
Categories: Budget, Family, Personal Loans, Savings
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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Money Mistakes to Avoid Around the Holidays
November 15, 2022
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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Make Your Backyard Its Best for Less
August 16, 2022
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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5 Tips to Try Before Digging into Your Savings
July 19, 2022
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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Should I Pay Off Debt or Save for Retirement?
July 15, 2022
Categories: Budget, General, Retirement, Savings
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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How to Cut Social Spending
July 12, 2022
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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What are the Best Ways to Build up my Credit Score?
June 22, 2022
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 Tips for Selling Your Home
June 14, 2022
Categories: Budget, Home, Savings
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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Creative Ways to Save Money This Spring
May 3, 2022
Conduct A Closet Cleanout Spring is a time for cleaning, so why not address your closet? As the warmer weather comes, we are reaching for the sweaters less and less. It’s a great idea to do a deep dive into what you have in your closet so you can get rid of items you’ve not worn in ages as well as find some items you forgot you had. Decrease your urge to purchase new by organizing what you have in a way you can easily see all your options to pick from. You most definitely will...
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Spring Clean Your Budget
April 11, 2022
Spring is here and that means we’ve got some spring cleaning to do! This year, you’ll want to be sure to add ‘budget’ to your to-do list. Spend some time doing a deep dive into your finances and budget plan to boost determination for the rest of the year. Give yourself a budget refresh with these 4 tips. 1. Review and Refresh Reviewing and refreshing your budget is something that should be done periodically. Life changes, there are new expenses,...
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