Almost Scammed

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BEWARE OF TEXT SCAMS

As the holiday season kicks into gear it usually helps raise the spirits for a lot of us out there. Handing out candy to the little trick or treaters, stuffing your face with turkey and watching football all day while Dad and your uncles fall asleep at noon, wrapping presents and drinking gallons of eggnog, getting scammed out of money by fraudsters….. Wait, what was that last one?

Understanding Your Credit

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How Is Your Credit Score Calculated?

Ever wonder how your credit score is calculated? It is a common question and can be helpful to explore.

Your credit score?is a number based on a formula using the information in your?credit report.?The result is an accurate forecast of how likely you are to pay your bills.

Simple Budget Guidelines

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Manage Expenses Using simple Budgeting Guidelines

Exploring ideas on how to manage expenses? Some simple guidelines can help on your journey to financial health. 

It is helpful to look at simple budgeting guidelines to see if they will work for you and your household.

Planning for Emergencies

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Pay Yourself First

Emergencies happen when you least expect it, which is why planning for emergencies is so important. The best way to create one is to pay yourself first.

Paying yourself first means treating your savings like a priority bill. Don’t wait until your other bills have been paid. If you wait, you may spend your extra money before you put it into savings.

At least 10% of your net income should be set aside for savings. The easiest way to do this is to have it directly deposited from your paycheck into your savings account. If you are able to save more than 10% of your net income, that is even better.

3 Tips for a Solid Financial Future

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Practicing Healthy Habits Can Help Spark Your Financial Independence

Making the transformation from being a carefree young person to a financially healthy adult can seem overwhelming and scary.  Most young adults starting out can attest to the challenges of managing an entry-level salary while still striving for the financial stability. But there are ways to create a path to financial independence early in your career.

Though your salary may be minimal now, it’s vital to implement a realistic plan designed to save, budget, and maximize your cash flow.  If you find yourself in need of help reaching your financial independence, consider implementing these habits.