Savings

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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 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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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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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 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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Thinking of selling your home shortly? We’re here to share some easy springtime renovations to provide you with the greatest return on your investment. Spring cleaning is lots of fun, but a spring renovation, that’s what will give you the biggest bang for your buck!   Replace the garage door.   Replacing the garage door not only contributes to fantastic curb appeal, but the functionality will grab the attention of potential buyers when you upgrade to a more modern...
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