Students Beware: Scammers Prey On Learners Of All Ages

Security and Scams, Student Money Tips

Female student making shocked face at the camera while her hands are on her laptop keyboard

As if college wasn’t stressful enough, here’s another thing for students to worry about: being on high alert for scams. For many young people, college is the first taste of financial independence; scammers prey on this naivete. Also, the expense of college gives students financial pressure, which becomes ammunition for scammers. Read on to discover three tricks criminals use to …

ATM Fraud On The Rise: Staying Safe While Getting Cash

Security and Scams

Woman inserting debit card into red, ATM machine

Scammers are everywhere in web-based commerce. You might think you’re safe using cash, but scammers wait in one location you can’t avoid: the ATM. ATM fraud is an old concern, but technological advances mean consumers need to be even more aware. Be cautious of the following: 1.) ATMs in weird locations Cash is convenient. While it’s tempting to use whatever …

Saving Bucks On Books: How To Beat Your Campus Bookstore

Student Money Tips

female college student

Everything about college is expensive. In the end, the sacrifices will be worth it, but that’s no comfort to a poor college student staring at a few hundred dollars worth of textbooks every semester. On average, college students spend $1,200 a year on textbooks alone! Luckily, there are a few places you can go to save a few dollars. 1.) …

3 Ways To Build Your Credit History Before You Graduate

Student Money Tips

Young girl looking up to the camera holding a debit card with laptop on her lap

If you keep up with financial news at all, you know your credit score is one of the most important and widely circulated bits of information about you. It determines the outcome of many of your adult life decisions. The kind of car and house you can afford, the rates you’ll pay for insurance and credit cards, and even the …

College Life: A Study Guide For Your Personal Finances

Student Money Tips

Piggy bank with glasses on in a classroom setting

Some of the most important lessons you’ll learn in college won’t be taught in a classroom. Your ability to master the pressures of the adult world will determine, in large part, how well you live. To help prepare you for those life tests you can start to put these simple habits into your daily routine. Your future self will thank you. …

It Costs How Much To Get Married?!

Personal Finances

Just married couple outside, kissing, with crowd clapping and cheering around them

The average American wedding cost has eclipsed $35,000. That’s more than half the yearly median income! Most of this growth in cost comes from the guest list. Couples are inviting more people and doing more for them. If you’re tying the knot this year, read on for five ways to save on the cost of your big day! 1.) Schedule …

How To Get By In An Emergency: Personal Loan Or Credit Card?

Personal Finances

putting money in a jar

As a credit union member, you have borrowing options. Two popular choices for emergency funding are personal loans and credit cards. Here are several pros and cons to each. 1.) Limits. Credit cards have credit limits in the thousands, enough to cover a small emergency. The value of credit cards is their convenience; there’s no need for a new loan …

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

Personal Finances

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

Personal Finances

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 …