Posts By: Melinda Opperman

For many people, the toughest step toward building credit is the first one. Going from having no credit whatsoever to having established credit can seem impossible, but there are multiple ways to get started toward a healthy, personal credit rating. Be Careful Before you get started, understand that this is a very important time in…

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Good credit depends, in part, on having a healthy mix of loans that you are able to handle successfully—something like a mortgage, auto loan, and a small credit card balance would boost your credit mix and help you establish your creditworthiness. There are some loans, however, that should never be part of your credit mix….

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The CARES Act (Coronavirus Aid, Relief, and Economic Security Act) that was enacted in March calls for direct stimulus payments to most Americans.  If you qualify for a stimulus check, you may receive as much as $1,200 and an additional $500 for each qualified dependent. More Resources: Calculate Your Stimulus Payment Many Americans are curious…

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When it comes to budgeting, everyone should find the best budgeting method for them—some people will benefit from spreadsheets, or apps, or keeping a written budget in a journal. For some people, the envelope method is an effective budgeting system. What is the Envelope Budgeting Method? With the envelope method, the budgeter puts together a…

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Generally, consumers should use as little credit as possible, and that means having only one or a few credit cards. Knowing that might cause you to wonder, should a retail store credit card be part of the mix? Retail cards might include cards specific to a certain store or family of stores, or to an…

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It’s important to save money when shopping for groceries, and there’s a lot of good advice out there on how to spend less when buying food. With the COVID-19 outbreak, it’s especially important to find ways to buy necessary items without leaving home. Some people might think buying groceries online makes it harder to save…

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To Our Valued Clients: As we continue to monitor the rapidly evolving situation around the coronavirus disease (COVID-19), we are acutely aware of the impact these events are having on our clients and our communities. In these unprecedented times, it is important that we come together to support all those impacted. As we navigate through…

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There are many ways to save extra money and pay off extra debt, but the most effective thing you can do is change your bad spending habits to ensure you will be able to save consistently going forward. We’ve compiled some of our favorite tips for household habits that can help you save more: 1….

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