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creditBy now, you are probably aware that you have a credit score. The only way you do NOT have a credit score is if you have avoided banks and credit cards (not a wise choice in today’s world…read on). Why is a credit score important? Banks and other lending institutions feel that your credit score […]
The most exciting time is here – you are about to start college! You will get to manage your own schedule, and very importantly, your own money. It can be a learning curve – so let us help you with the first steps! Take these tips with you when you start college in these coming […]
No matter your age, occupation, or status, it is important to know about credit cards and the effects they can have on your finances. Yes, credit cards are convenient with their “buy now – pay later” incentive, but without careful use they could spiral you into debt! According to an article from Fox Business, there […]
Take this season to put a financial spin on your daily routines. Let us help you kick four bad money habits to help you save money this spring! Items that can damage your wallet and waist – Get rid of the alcohol, cigarettes, and fast food! Bad credit card behavior – Skip using the card […]
Are you in student loan debt? You’re not alone. The average college loan owed by the class of 2010 was up to $25,250 by the end of 2011. On a positive note however, on average, the credit card balances have dropped to $811, from a record of $3,173 in 2009. The percentage of students owning […]
Last week we discussed how easy it is for our credit card information to fall into the hands of crafty criminals. There are a few more places and situations to use caution when making purchases with your debit and credit cards to avoid identity theft and credit card fraud. These include: Flea Markets – These […]
Think you are stressed? Take the Personal Financial Wellness survey (PFW). Your PFW can help you determine what level of stress you are experiencing due to personal finances. By taking an eight-question financial stress quiz , you can learn how your stress measures in comparison to the national averages . Is your PFW score higher than the average? Take action – even a baby […]
Those little jingles you hear about getting your “free” credit report on television or on the radio sound good, but they are really not free. There is usually a stipulation or another product that is being marketed. The federal Fair and Accurate Credit Transaction Act is a federal mandate that requires consumer credit reporting agencies (that […]