Every April, we celebrate financial literacy month. It’s an important time for everyone to make sure they’re staying knowledgeable about financial topics and using that knowledge to better manage their money. We want everyone to put aside some time to evaluate his/her own level of financial literacy and to try to learn something new. The…
Posts By: Melinda Opperman
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…
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…
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….
Besides paying off credit card debt, it’s crucial when setting up your finances to prevent the need to rely on credit cards in the future. That means the first financial goal you should set is to start an emergency savings fund. One of the ways credit card debt builds and becomes unmanageable is through unexpected…
Purchasing a home is a big step for any consumer, but one we strongly recommend. Homeownership is the single biggest way Americans build wealth and prepare for a stable retirement. And unlike other investments, you can live in your house, so it’s not just a way to store and build wealth over time. The process…
Credit fraud can happen to anyone. It costs the victims time and money, and the perpetrators often escape without consequences. It’s a tough crime to prevent, and can be even tougher to enforce. The best thing you can do to prevent credit fraud is to be vigilant about theft. There are many different types of…
Winter is in full swing, and people everywhere are experiencing wild changes in temperature and weather. It’s important to be prepared for anything, as a very cold weather snap could happen at any time. Just because you’re having a mild winter this week doesn’t mean it will stay that way, so take some time to…
The cost of college has risen steadily and dramatically for decades, leaving many graduates with higher-than-ever levels of student loan debt. New college students and their parents are overwhelmed as the student loan crisis continues to grow. We have some tips on saving for your children’s education that can help reduce student loan debt in…
The beginning of a new year is the best time to get a fresh start on things. This is a time to get organized, prepared and renew your commitment to your future goals. Many people start with better personal finance or health and nutrition as a goal for the new year, but taking care of…
With the New Year, many people work to improve their financial situation, repay debt, and better manage their money. Like most New Year’s resolutions, people tend to start enthusiastically, then gradually fade as the months go on. We’ve learned that the secret to keeping a resolution is to change your habits for the better. It’s…
It’s customary to wish everyone “Happy Holidays,” but the holiday season isn’t always happy for a lot of people. We hear from many consumers who struggle during this time of year, both emotionally and financially. The National Alliance on Mental Illness found that 64% of people are affected by the “holiday blues.” It’s important to…
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