Savings

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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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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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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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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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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