Financial Planning

When your employer offers a retirement savings plan like a 401(k), saving for retirement can seem easy. These plans allow you to automate your savings so you can set it and forget it. If your employer doesn’t, not only do you miss out on benefits like a savings match, but you may not know how […]

Summer is one of America’s favorite seasons for spending. It’s a time to take vacations, tackle big home improvement projects and spend money on events like weddings, concerts, parties and family reunions.  When you are trying to maximize your summer fun, it can be tempting to overspend on everything from travel to the latest gear […]

If you’ve explored your credit card options or looked into a mortgage or car loan, you’ve likely come across the term APR. This number can be a quick way to compare borrowing costs, but understanding what goes into the calculation and what this percentage truly means can be tricky.

“I never thought I’d consider bankruptcy” Does this sound familiar? As you research the impact of bankruptcy you may be questioning what will happen with your financial future if you move forward. It can be difficult to find resources that describe the aftermath because every bankruptcy experience is unique. While we feel comfortable going to […]

Trying to get credit when you have no credit history is a catch-22. Lenders rely on credit reports to assess their risk and many aren’t willing to lend to borrowers without enough history to generate a score. We usually assume that this problem only affects young borrowers, so you might be surprised to know that […]

Six good habits that will help you repair your credit score. Manage your debt and adopt lifelong habits for a healthy financial reputation.

Updated April 12, 2023 When you hear the phrase “in case of emergency,” what comes to mind? Many individuals think of safety drills, stored nonperishables, first aid kits and calling 911. Having an emergency fund might not be on your “in case of emergency” list, but it should be one of your biggest financial priorities.

When you’re focused on getting out of debt, most folks get caught up in the process and don’t think beyond achieving that goal.  If this happened to you – don’t worry!  It’s happened to almost everyone who’s successfully eliminated large credit card debts.  But the fact is, if you are consistent and committed to paying […]