Crush those emergencies with preparation!

We all know that life happens and with “life happening” sometimes comes small emergencies that we can prepare for in advance. I recently experienced a short-term inconvenience (that’s what I’ll call it) 😊 when the heavy rains in my area caused some of the older trees to topple over. When one really large tree fell …

Reduced Income Causing Money Problems? Here are Some Tips.

Whether caused by lack of work, illness (yours or a loved one’s), or political stalemate, a reduced income can trigger immediate and substantial financial hardship.  While personal finance professionals preach the wisdom of having a liquid emergency fund totaling three to six months of living expenses to help ease the financial burden of an emergency, …

2019’s Financial Resolutions

Many Americans want to save more, pay down debt and spend less in 2019. If you do too, you’re in good company. According to Fidelity Investments’® tenth annual New Year Financial Resolutions Study the three most popular financial resolutions for 2019 are 1) Saving more money (a median of $200 per month) 2) Paying down debt …

Don’t Budget Just Spend – but with a plan!

Budgeting is one of those things that can be compared to cleaning your house…you know the benefit of doing it but getting started always seems like such a chore (pun intended). Just like cleaning your house gets easier over time, the more you use a budget to manage your income and expenses, the easier it …

AVOIDING THE HOLIDAY FINANCIAL HANGOVER

The statistics are out there-telling us, financially, the holiday season is not all merry & bright. Many of us struggle to stick to a holiday budget-if we’ve even attempted to create one. (Am I right?) According to yougov.com, 15% of Americans are still paying off 2017’s holiday debt. One key to avoiding the dreaded Holiday …

How to Improve Your Credit

As financial counselors we often get asked how a client can improve a credit score. Most of us aren’t privy to the complete super-secret formula, including me. But there are actions you can take to improve your credit score. Scoring models differ and can change a bit over time and we are focusing on the …