401K Break Down: What is a 401K & Why is it Important to My Financial Planning?
Find out how saving for retirement could affect your benefits: How Can People on Government Assistance Save for Retirement? Have you ever noticed how each industry seems to have its own language? Whether talking to your plumber, mechanic, or doctor, there are all kinds of terms each uses that may sound foreign to you. This…
Read More7 Habits to Boost Your Savings
The past few years have highlighted the need to have savings. Life is nothing if not unpredictable, and savings, whether for an emergency, your future, or your spring break trip, is a key piece of living a financially healthy life. When starting to save, most people look at their expenses and income, and this is…
Read MoreBuy Now, Pay Later: 3 Questions to Ask Yourself First
Buy Now, Pay Later offers are everywhere, whether you’re buying a pair of jeans, electronics, or even just some needed groceries. Their message always seems fairly simple: Don’t pay for 100% of this item today. Instead, spread out the payments over time in four easy installments (or something similar). But it’s not that simple. Here’s…
Read More3 Good Reasons to Check Your Credit Report – For FREE
Did you know you can check your credit report for FREE thanks to a federal law? Credit Reports and the scores associated with them impact many areas of your finances. It’s important to know what is on your report—and the good news is you can do that for free. Since 2018, each of the three…
Read MoreWhy You Should Ditch “No Money Down”
We’ve all seen them – those commercials that promise new furniture, car, or home with no money down. What a good deal! Right? Well, think again. On the surface, no money down looks like a great deal but lurking underneath, there is trouble. 4 Drawbacks to no-money-down offers: No-money-down offers make you an OWE-ER, not…
Read MoreProtect Your Credit With a Free Credit Freeze
A hack of a national background check company in August 2024 led to a leak of over 2 billion personal records, including social security numbers. Identity theft is a growing crime. Every day, people wake up to find new loan or credit card accounts opened in their name. They didn’t open them, but someone else…
Read MoreWhat You Need To Know About Car Title Loans
Need extra cash and looking for a quick loan? You might be enticed by a car title loan and its promises of quick money in exchange for your car title. Here’s what you need to know about car title loans, how a car title loan works, and the risks and unfortunate consequences too many borrowers…
Read MoreHow to Protect Yourself From Mobile Payment App Scams
Mobile payment apps have increased in popularity, offering a convenient way to send and receive money with your smartphone. They’re known for being user-friendly, but they can also be misused, which could leave you in a financial lurch. Let’s dive into mobile payment apps and explore 5 quick ways to protect yourself: What’s a mobile…
Read MoreFour Red Flags to Help You Spot Fraud & Scams
It’s your money, and you’ve worked hard for it. You’ve planned and saved, and that’s why it’s important to make sure your hard-earned cash is protected. There are people out there working just as hard to take it from you. How? By frauds and scams. Be on the lookout for these 4 “Red Flags” that…
Read MoreApp-Based Gig Workers Guide to avoiding Frauds and Scams
Gig work accounts for hundreds of billions of dollars in economic activity each year, according to the Federal Trade Commission (FTC). With that kind of cash flow, it’s no wonder we’re seeing increasing cases of scams and fraud hitting the gig economy. The FTC also reported that more than half of gig workers say the…
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