The Holiday Shopping Season Has Begun! Plan Ahead With These Tips

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Three women shopping

The holiday shopping season is here. Black Friday and Cyber Monday are no longer just one day. Many retailers, online and off, offer deals for several weeks leading up to Thanksgiving weekend and continue well into December. Before taking advantage of any “deals,” do your homework. Create a budget and stick with it. This will help you avoid going into …

How to Prepare Your Home for Winter

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Prepare your home for the winter

Keep your home warm and safe this winter by following our comprehensive to-do list before the real cold sets in. 1. Seal your home Give your home a quick run-through, checking for drafts. You can do this by holding a lit candle near the following areas: Windows Doors Vents and fans Plumbing areas Air conditioners Mail chutes Electrical and gas …

7 Halloween Hacks You Don’t Want To Miss!

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halloween hacks

Halloween is coming – and so is the fun! Everyone wants to win the prize for creepiest costume and the most frightening yard décor in the neighborhood. But all that spookiness comes with a scary price tag. The average American will spend $169 on Halloween costs this year. And, if that’s not enough to terrify you, consider this: Most people …

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, …