6 Times A Bargain Is Not

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When a bargain is no bargain

In the words of writer Franklin Jones, “A bargain is something you don’t need at a price you can’t resist.” And we couldn’t agree more. With the biggest spending season of the year looming ahead, it’s time to brush up on your shopping smarts. This year, give yourself the gift of an intact budget and a credit card balance that …

Pros and Cons of Paying Over Time

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Payment Plans

How often do you choose to pay for something over time? You have chosen to pay over time when you’ve used a loan or credit card to pay for something. While choosing to pay over time can be convenient, it can also be costly if you don’t consider interest, fees, and other charges. Keep more of your money by minimizing …

Talking To Your Kids About Money

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How to establish a budget for your kids

When is a good time to start talking to your kids about money? When should you start to provide them with the tools needed to help them create their own budget? What about the right time to start teaching them the discipline to stick to that budget? The sooner the better! Developing money managing skills provides us with a strong …

The Brain/Money Connection

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Money brain

Neuroscientists at the University of California, Berkeley, have found that chronic stress triggers long-term changes in brain structure and function. And nothing spells stress like money dilemmas! Neuroscientist Dr. Sam Barnett conducted research to determine the brain’s appearance while making financial decisions. He found that the ability to make effective decisions in this area is impaired by anxiety. The complexity …

Everything You Want To Know About Bitcoins (… But Were Afraid To Google)

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guide to bit coin

What are Bitcoins and how can you get some? Here’s a simple introductory guide to help answer these questions and more! What is Bitcoin? An entirely digital form of money.  In other words, if the U.S. has dollars, and Europe has Euros, the internet has bitcoins. But the fact that bitcoin is digital isn’t the most interesting thing about this …

Back-To-School Savings

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Back to School Savings

Back-to-school time is the second largest shopping season of the year. If all that spending makes your head pound, take heart. We’ll help you navigate it with your budget and sanity intact. Read on for 12 back-to-school saving tips. 1.) Do a house-wide sweep Before you spend a penny, scour your closets and drawers to see what you have lying …

Credit Unions: Acknowledged As The Best Way To ‘Bank!’

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Picture of trophy cup in front of red curtain

You may not realize this, but you’re one of a small percentage of Americans who have discovered what The Wall Street Journal and other media are just beginning to realize: A credit union is the best way to bank! Credit unions received top marks in the American Customer Satisfaction Index, significantly outpacing other financial institutions. Several websites, such as BusinessInsider.com, …

Walking The Tightrope: Balance Your Portfolio To Keep Your Future On Track

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Business woman holding brief case while balancing and walking on a tightrope above the city

Personal finance is almost always a balancing act. You’ll need to strike a balance between spending and saving. You’ll want to balance your expenses against your income. You would be wise to make sure the risk and potential reward stay in balance. Most importantly, though, your portfolio will benefit if you keep your investments in balance. There are many ways …

Minimize Investment Risk By Building Up Your Savings

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Woman looking down and putting money in a piggy bank while holding it

Life is full of surprises. You don’t want to be caught in an emergency that leaves you desperate for cash when all your funds are tied up in bonds, CDs and stocks. It’s important to have a solid cushion of savings before you start putting your money into an investment. Follow the 50/30/20 rule. Financial advisers suggest that 50% of …