Budgeting 101 The economy is still up and down. One month job growth measures show increases, the next, it drops again. Company mergers occur and layoffs follow. Sometimes it’s across the country and sometimes in your own hometown. If you are faced with an income reduction or simply want to adjust your spending to re-focus…
Prepare Financially for the Partnership of Marriage Here comes the bride, and she’s beautiful. My, isn’t the groom handsome? Her average age is 27, his 29. They make a lovely couple as they walk down the aisle together and out into their new life. “…and they lived happily ever after.” Right? On average, this couple…
Planning for Retirement We’re busy, busy, busy with places to go and things to do. Throw our kids and our spouses into the mix and American families have never been more scheduled nor had more demands for our time and attention. All the planning and time saving technology has just cleared the way for more…
College Preparation Starts Now Recently, Credit Advisors Foundation was asked to prepare for parents of young adults, a learning opportunity regarding the financial situations and concerns faced by students heading off to college for the first time. Our response? Of course we will! Surely, there is plenty of information out there; books, pamphlets, and websites…
Preparing for Disaster Back in college (many, many years ago), when the tornado sirens would sound, we would have to grab our important information and head to the dormitory basement. There was one girl on my floor who always left her room with the same items: her purse, her book bag, and her photo albums.…
Budget Busters and How to Deal With Them You’ve taken the time to design a budget and learned to stay with it as you strive toward your goals. At first it may have seemed a bit constricting yet you have been creative and determined in making it work. But what happens when you get hit…
Keeping Your Free Credit Report Hassle Free We shouldn’t be too surprised by the abundance of scams and people attempting to make money from the ‘free credit reports’ that were mandated through the Fair and Accurate Credit Transaction Act of 2003 (FACT Act), yet consumer advocates are issuing warnings daily to consumers to use caution…
Your Mother Was Right! Avoiding the High Cost of Winter Utilities Can you hear your mother’s voice? We don’t need to heat the whole neighborhood – close the door! Don’t stand with the refrigerator door open. Let’s put a hole in the ceiling and watch our money fly away. Does every light in the house…
Guidelines for Budgeting/Credit
Secure Your Deposit Security Deposits are a large part of the expense of moving. Since they usually equal one month or more in rent, it is worth taking a few precautions to ensure you get your deposit back when you move out. Check with your local Fair Housing authority or use the search terms “tenants’…
