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How to Evolve Your Budget as a First-time Homeowner

Posted in: Homeownership, Q&A

Transitioning from life as a renter to a first-time homebuyer is a big, exciting step. Many things in your life will change, including how you save and spend money. When you rent your living space, your monthly housing expenses include your rent payment, as well as some or all of your utilities, and that’s about it. Your landl...


What is Debt Consolidation?

When it comes to dealing with debt, there are many terms that may be unfamiliar or unclear. Debt consolidation is one of them. What is debt consolidation, exactly? And most importantly, can it help someone get out of debt more quickly and save money in the process? Let’s take a look: What is Debt Consolidation? Broken d...


Seven Strategies for Paying Off Credit Card Debt

People faced with high credit card debt face another challenge, too: picking and choosing from various techniques, strategies and “must-do” approaches to bringing balances back to zero. There are many approaches, but the right strategy depends on your financial habits, personality and motivation for paying balances. The s...


Understanding Payroll Deductions

Posted in: Money Management

When was the last time you took a good look at your paycheck stub? It’s probably been a while, especially if you have direct deposit. Many companies now manage all payroll tasks electronically, which means you never see a hard check or any piece of paper with your information. And even if you do still receive a paper check stu...


Steer Clear of these High Interest Loans

Payday loans have been in the news again recently, as the Consumer Federal Protection Bureau (CFPB) proposes new rules that will force lenders to determine a borrowers’ ability to repay, as well as limit the number of times customers can repeat the loan. Currently, more than 90% of payday loans are repeated an average of seven...


Closing Costs: What You Need to Know

Posted in: Homeownership, Q&A

If you’re buying your first home — or it’s been awhile since your last real estate transaction — you might need a refresher on what closings costs are and how they work. Saving for a down payment is often discussed when purchasing a home, while closing costs can get overlooked; but they are an equally important part of a...


Secured, Unsecured & Pre-paid Cards — Which is Best?

As the financial landscape becomes more and more complex, consumers have more choices than ever before. And while that can be a good thing, it’s important to understand the options available when making important decisions. That’s especially true when it comes to the types of credit cards available. Here’s a breakdown of w...