The Post-Holiday Budget Recovery Guide

Personal Finances

The holidays are in the rearview, but if you’ve gone over budget with your spending, it’s time to deal with the aftermath, which is coming head-on. Here’s how you can get your budget back on track for the new year. Review your holiday spending How much debt did this season’s spending set you back? Spend some time crunching the numbers …

Your Complete Year-End Financial Checklist

Personal Finances

As 2023 draws to a close and we prepare to usher in 2024, take a moment to go through this year-end financial checklist for ensuring your finances are in order before the start of the New Year. Review your budget Is your monthly budget still working well for you? Are you stretching some spending categories or finishing each month in …

How Much Business Debt Is Too Much?

Business Banking

Borrowing money is often a necessary part of running a business. It’s important to proceed with caution and understand business borrowing before taking on new debt. Here’s all you need to know about striking a balance when borrowing for your business: What is debt capacity? Debt capacity refers to the amount of money a business can reasonably borrow and pay …

Spring Clean Your Finances

Personal Finances

Spring is a great time of year to clear your house of accumulated junk and make it sparkle. Why not do the same for your finances? Junk can accumulate there, too. In fact, some of your money matters may need a good wipe down this season. Here are some ways to spring clean your finances: Sweep out your budget It’s …

Beware of Debt-Collection Scams

Security and Scams

No matter what’s going in with the economy, debt-collection scams are always around.  Now, scammers are exploiting the financial downturn by tricking unsuspecting victims into paying for debts that don’t actually exist or using abusive tactics to collect legitimate debts. Don’t be the next victim of a debt-collection scam. Here’s all you need to know about these scams: How the …

6 Mistakes People Make In Their 20s And How To Fix Them

Personal Finances

Have the irresponsible financial decisions you’ve made while in your 20s left you with piles of debt and other repercussions? Here are six of the most common mistakes people make while in their 20s and how to fix them: 1.) The mistake: Racking up credit card debt When all of life’s pleasures are just a swipe away, it’s easy to …

Getting Your Finances In Order

Directions Financial Solutions

Congratulations! You’ve made the important decision to invest some of your finances this year, and it’s your first time ever. But where do you start? Jumping into the market without first taking careful stock of your finances is like asking for seconds at the dinner table before finishing your first portion. Though you can technically invest before your debts are …

7 Ways To Stop Worrying About Debt And Love Your Mortgage

For the Home

Debt is the wealth killer. Debt is the single greatest threat to your retirement planning, college savings, and financial independence. Except, as it turns out, there is one kind of debt that defies all of these rules: mortgages. The money you owe on real property can be a boom to your financial independence in a lot of ways. Let’s talk …