Planning matters

Tips for Managing Your Credit Score

Accessing credit on reasonable terms is a key factor in managing our financial lives. Mortgage lenders, credit card issuers, cell phone carriers, etc. consider your credit score is as part of your overall financial picture as it helps the lender manage their risk. But what goes into that number? As a starting point, your credit…

Read More

FAFSA: The Key Piece of the College Aid Puzzle

The Free Application for Federal Student Aid, better known as the FAFSA, is your one-stop-shop for applying for federal, state, and even university aid. Types of aid include grants, scholarships, student loans, and student employment. If you or your children are thinking of attending a college or university in the next academic year, now is…

Read More

Refinancing? What You Need to Know

Mortgage rates remain at an all-time low, making the appeal of refinancing your home easy to consider. Before you start to compare lenders, rates and pricing though ask yourself these questions: Why are you considering a refinance? First, ask yourself the main reasons you are looking at refinancing. Is it the allure of a lower…

Read More

Keep Your Eyes on the Goal

As we head into the Fall season immersed in continued challenges with COVID-19, many of us are experiencing periodic fatigue from social-distancing protocols, negative headlines, and future uncertainties. Staying focused on our goals when we are weary is difficult but crucial to short-term financial wellness and long-term financial success. Consider following these guidelines to help…

Read More

Smart Ways to Build Your Emergency Fund

The recent pandemic has increased people’s awareness of the importance of having an emergency fund (also called a rainy-day fund). Although it can be hard to build an emergency fund with limited income, it is certainly achievable with the right course of action. Let’s look at some ideas to saving for your emergency fund. Summarize…

Read More