Be Aware When Buying A Used Car

Auto dealers are expected to sell cars that meet certain consumer protection criteria. This may include providing a warranty that will cover the buyer’s costs if a car turns out to be a lemon. Unfortunately, some unethical dealers may attempt to bypass these laws by curbstoning. Curbstoning is when a dealer poses as a private … Continue reading Be Aware When Buying A Used Car

Celebrating the 4th on a Budget

The 4th of July is a great holiday to spend with your friends and family while staying home, going camping or boating on the lake. If you are looking to be frugal this year with the celebration of our independence, check out these money saving tips so your wallet doesn’t fizzle out like a sparkler! 1. Host a potluck. If … Continue reading Celebrating the 4th on a Budget

Being Financially Prepared, Life Happens

An emergency fund is an essential part of your personal finances. Its importance is stressed in almost every personal finance book and budgeting blog, and yet 26% of Americans currently have no emergency fund in place. Of those who do have an emergency fund, up to two-thirds do not have the often-recommended six months’ worth … Continue reading Being Financially Prepared, Life Happens

10 Easy Ways to Reduce your Impact & Save Money

Today is Earth Day. I’m fired up, and you’re welcome to join me. Let’s make it more than just a token day that we forget about tomorrow. Let’s make it Earth Week, Earth Year, and even Earth Lifetime. And…save some money in the process. If you fall into the bucket of those who have a conscience … Continue reading 10 Easy Ways to Reduce your Impact & Save Money

9 Simple Ways to Improve Your Credit Score

As many people know, building credit is more of a marathon rather than a sprint. There are a few strategies that can raise your score pretty quickly with minimal effort. Credit scores help lenders assess risk when issuing loans. A higher credit score (lower risk) typically means reduced interest rates, better credit card offers, and … Continue reading 9 Simple Ways to Improve Your Credit Score

When ‘FREE’ Isn’t Really Free: Beware of Free Trial Offers

We’ve all seen ads for a product or subscription with a free trial and thought, “Why not?” Here’s why not: What appears to be a free trial can add up to much more. Most free trials require consumers to enter their card information. This is used to cover future costs if you forget to end … Continue reading When ‘FREE’ Isn’t Really Free: Beware of Free Trial Offers

12 Smart Things to Do with Your Tax Return

Saving money is sort of like eating healthy. You know you should do more of it, but it's very hard to resist making spur-of-the-moment choices that make you happier now but worse off later, like eating 4 brownies. A tax refund gives you a great chance to set yourself in a better position for the … Continue reading 12 Smart Things to Do with Your Tax Return

Strategies For Paying Off Debt

Consumer debt is an extremely contradictory part of our personal finances: it’s at once common and incredibly personal. According to numerous sources, the majority of US adults owe money in some way, shape or form—and yet what this consumer debt represents can vary drastically from person to person. To some, a debt might signify a … Continue reading Strategies For Paying Off Debt

Depositing Money In A Credit Union

You've found a way to save some money, but now you have to decide where to put your money so it's ready when you need it. That's a good problem to have. Three of the most popular short-term options offered are Savings Accounts, Certificate Accounts, and Money Market Accounts. All of these accounts are offered … Continue reading Depositing Money In A Credit Union