With the COVID-19 pandemic still with us, traditional Black Friday shopping will be complicated this year. Many retailers have stated they will not be open at all on Black Friday, and those who do open their doors will have to deal with the challenge of maintaining social distance and keeping their stores within a limited…
Posts Categorized: Consumer Tips
Every year, it seems like the holiday shopping season is being pushed earlier and earlier. We find ourselves saying, “It’s not even Halloween yet, and they’re already selling December Holiday decorations!” Related Article: Have a Safe and Budget-Friendly Halloween this Year This year, however, getting holiday shopping done early is essential. Every aspect of our…
In a very unique and sometimes scary year, families are looking to have a safe Halloween. Many traditional holiday activities may be limited, but there are still many ways to enjoy the season without breaking your budget: Tips for Trick-or-treating During a Pandemic Depending on where you live, trick-or-treating may not even be allowed this…
During the current COVID-19 pandemic, a lot of people are in need. Many new service providers have sprung up offering ways to help. Some of them claim to be charitable organizations, but anyone looking for assistance of any kind should be wary of scammers trying to take advantage of the situation. More Resources: Scams to…
As our nation seeks to get everyone back to work without worsening the coronavirus pandemic, many people are snatching up used cars so they can have safe transportation to their jobs – not just safe in sense of being free from auto accidents, but safe from COVID-19. This fall, some people aren’t looking to go…
This one number makes all the difference to identity thieves… your social security number. When you apply for a job, the application asks for your social security number. When you apply for a bank account, they want your social security number. When you file a tax return, apply for a loan, get medical treatment, apply…
As you start the home buying process, it’s fairly common to begin researching available homes through the internet and to understand how much buying power you may have through mortgage pre-qualification. We suggest adding one more invaluable component, investing your time in Pre-Purchase Coaching, provided by a certified coach from a U.S. Department of Housing…
Warm weather may inspire you to fling open your windows and tackle some serious spring cleaning. Why not channel some of that fresh-start energy into your finances? Just like clutter accumulates at home, bad spending patterns can creep up bit by bit, making them hard to spot. Commit to dropping a few of these bad…
The Home Buying Process The home buying process can be overwhelming, especially for first-time home buyers. We want to give you a quick overview of the process, including some important steps you should do at the beginning of the process. 1. Attend a pre-purchase education course This is a very important first step that too…
For some people, tax refunds can be a nice addition to a bank account each year. However, if you have a list of urgent bills, overdue debts, or large purchases, your tax refund might be more of a financial necessity than padding for your savings account. Once you file your taxes, refunds can take weeks…
For most Americans, owning your own home is a dream that can come true. At credit.org, we’ve always advocated that homeownership should be part of your long-term financial plan, helping to build overall wealth and stability while improving your financial security during retirement years. Making the decision to pursue and ultimately become a homeowner is…
The new car you bought 3 years ago for $30,000 is worth just over $15,000 today, and you’re thinking it might be time to trade it in before its value vanishes completely. While getting rid of that used vehicle might seem like the smartest move, you shouldn’t use the last couple of years of depreciation…
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