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A good credit history will definitely help you get more credit. But did you know that it can affect your everyday life—even in the near future?
The information used to calculate your credit score comes entirely from the information in your credit report. Credit scores tell lenders and other businesses how likely it is that you will fail to make payments in the next two to three years. Scores range from 380-850, with 850 being the best.
When you don’t have enough money in your account to cover a bill or other charge and the account goes into the negative, the transaction is left unpaid and you’ll be given a Non-Sufficient Funds (NSF) fee. These fees can add up quickly if you’re not checking your account or receiving account notifications. Plus, it can leave your bills unpaid. Here are six ways to avoid overdrawing on your account.
The current housing market might make it easier to sell a house in most neighborhoods, but there are still ways to expedite the sale of your home. Give these tips a try, and most experts agree you’ll have an easier time making a sale.
We are excited to announce that we have a new auto buying partner! You know that Rivermark is a great place to get pre-approved for an auto loan at one of the most competitive rates around. But did you know that Enterprise Car Sales is different than buying from anyone else?
April is National Credit Union Youth Month! Financial education is crucial, and we want to help you teach your children about the importance of being responsible with money and saving for the future.
"Emergency savings" is money set aside to cover unexpected personal expenses. It's suggested that you have six months of essential living expenses saved in case of an emergency, however 28%* of Americans have no emergency savings at all.
For a lot of folks, the first step to setting a budget is often the hardest, because you have to stare your ‘bad’ habits right in the face (for example, your daily double-mocha-whipped-yumminess). But once you get a handle on where your money is going, you can set realistic goals for spending (and saving). So, take a deep breath and dive right in.
Automatically putting money away into your savings account is the easiest way to ensure you’re growing your savings. For Rivermark members, automating these transfers to your savings is very easy! Follow these simple steps:
Putting money away for a rainy day (or a sunny one, for that matter), will give you added security in case of emergency, and will help you avoid financial pit-falls like high credit card debt. Understanding the different savings options available arms you with the knowledge you need to make the most of the money you save.