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Budget

10 Things to Give Up in Order to Save Money

By Lauralynn Schueckler No matter what your income level is, learning how to budget and save a little money each month is a valuable skill. If you’re dealing with a change in income, mounting debt or have exhausted your emergency fund due to an unexpected need, then saving will help you regain financial health. If you are struggling to find extra cash in an already tight budget, try giving some …Read More

Mission Possible: Budgeting With A Yo-Yo Income

By Mark Foster In our budgeting classes with adults, one question often pops up – “How do I budget with fluctuating paychecks?” If your paycheck amount yo-yo’s instead of staying the same each period, it certainly is more challenging to create a budget and make it work, but it isn’t Mission Impossible. Look at what your minimum paycheck amount tends to be and budget using that. Too many people do …Read More

Money Saving Tips for College Students

By Drew Kessler Let’s face it, college is expensive and most students have a limited cash flow. The good news is that a number of businesses realize this and make an effort to accommodate their student clientele. Always keep an eye out for student discounts, and bring your student ID with you wherever you go. Many establishments offer discounts to anyone with a student ID – from clothing stores to …Read More

Christmas in July

By Mark Foster It may seem crazy to be thinking about Christmas in July, but actually it makes good financial sense. We know Christmas will eventually roll around, so it’s wise to start planning for it now to avoid stressing out and overspending later. When people wait till the last minute and basically wing it, it’s very tempting to just start charging gifts on the credit cards because there’s not …Read More

Save Money on Gas

By Lauralynn Schueckler The cost of living continues to rise for the average American, forcing many to make drastic budget cuts and eliminate many luxuries from their lives. One element that is a necessary component in nearly every person’s life is the availability of a car. However, the rising cost of gas has travelers looking for ways to save money. Here are a few strategies that will help the penny pincher …Read More

Planning a Wedding on a Budget

By Jason Alderman Should a dream wedding mean delaying a down payment on a home? That’s a tradeoff many couples make these days. The Knot, a wedding planning and publishing company, recently released its Real Weddings Study of average wedding costs for 2014, setting a national average price tag of $31,213 (not including the honeymoon). If the average cost of a U.S. wedding now tops $30,000, that’s a substantial sum …Read More

5 Things Every New American Should Know About Personal Finance

As the nation celebrates Independence Day, many Americans think about what it was like for the early settlers arriving on our shores for the first time. Those early pioneers faced much uncertainty when it came to basic survival and the ability to provide a secure future for themselves and their families. Today’s immigrants may not face such extreme conditions, but they do have some significant hurdles to clear when it …Read More

A First-Year Money Management Guide for the New College Grad

By Jason Alderman Getting a grip on finances at the very start of one’s working life can be challenging. Yet that first year out of school offers new grads an opportunity to jump on a lifetime of financial goals. As the nation’s full retirement age edges closer to 70, it means a 22-year-old college graduate has nearly 50 years to save and invest. That’s why solid money habits built early …Read More

Pinching Your Pennies at the Gas Pump

By Mark Foster Gasoline prices are inching their way back up again. Any time fuel costs increase, it takes a bigger bite out of a family’s vacation plans or their overall budget. The reality of increasing gasoline prices is that it can wreck a family’s budget. People who may particularly struggle more with increased costs are those on a fixed or limited income, those who drive a gas-guzzling vehicle, or …Read More

Americans Not Paying Bills on Time — and Why That’s Bad

By Erin El Issa Paying your bills on time can save you money. You’ll avoid late payment fees and penalty interest rates, and also maintain or build good credit, which can help you get approved for favorable loan terms. Yet, many Americans — especially those in their 20s and early 30s — struggle to get their bills paid on time, according to a recent study by the National Foundation for Credit Counseling. Here’s …Read More