The holiday season is almost here, and now is the perfect time to get started. But before you head out with your credit card in hand, it is essential to set a plan and create a realistic budget. It is easy to overspend with all of the excitement, but spending too much now could mean months of bills and high credit card charges in the new year. Most people want to control their holiday spending but get wrapped up in the festivities, and their good intentions get lost. Below are five creative ways to keep your holiday budget on track.
Build Your Emergency Fund
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.
Start a Budget
The first step to setting a budget is often the hardest. But once you get a handle on where your money is going, you can set realistic goals for spending (and saving).
Make Wise Savings Decisions
Understanding the different savings options available arms you with the knowledge you need to make the most of the money you save.
Back to School Savings Tips
We realize that back to school season can be taxing on your budget. That’s why we’ve put together some tips to help you out.
The Latest from our Blog
The closer you get to retirement, the more excited you may be—and more worried. If you are 18 to 24 months away from retirement, this article is for you. You may still be wondering if you have enough saved, or if you can (or should) plan on finding a supplemental income. How will an uncertain economy affect your retirement? We answer these questions and more below.
Lowering consumer debt can be a great way to raise your credit score, cut down on financial stress, and put you on track for a more financially fit future. However, it can also be challenging to do with rising costs, limited funds, and sometimes overwhelming interest costs. Here are some easy ways to start lowering your debt today.
Money may not buy you happiness, but studies show that your relationship with it impacts your health. Did you know money is tied to our basic, hard-wired drive to survive? When that drive can’t be attained, it compounds into stress. Maybe it’s why the age-old saying, “health is wealth,” is more than just a cliché. In the last 30 years ,our society has tripled its debt and simultaneously gotten sicker with heart disease, stroke, and mental illness on the rise. Coincidence or are finances partly to blame?
These days, most households are looking for ways to cut down on grocery and dining costs. In this article, we take a look at practical ways your family can cut down on food costs, whether you cook at home or tend to order/eat out. By cutting down on food costs, you can free up more funds for savings, everyday expenses, or discretionary spending.