Managing Money & Credit

Peace of mind. It is something we all want. If the past few years have taught us anything it’s that circumstances can change quickly, and when they do, it’s good to have a plan. It’s even better to have an emergency fund at your disposal, so you can put that plan into action while you…

A certificate of deposit (CD) and a share certificate are similar financial products that can safely and securely help you achieve your financial goals. Both offer guaranteed returns with minimal risk (and usually without fees). A certificate works like a savings account but there are crucial differences: Deposits are usually a single lump-sum. Deposits are…

If you’re feeling the hangover that comes from too much holiday spending, you’re not alone. Estimates say nearly one-third of US consumers spend more than they can comfortably afford during the holiday season, and many of those folks spend the next nine months paying off those debts, only to start the cycle all over again…

Navigating the realm of shared finances in a relationship often gives rise to a sense of awkwardness and intricacy. Initially, there’s the discomfort of broaching the topic and contemplating whether merging finances is the right step. If that initial conversation sails smoothly, a more challenging discussion ensues on the intricate details of how to go…

Are you planning something big this new year? Taking a trip? Making a major purchase? Pursuing investments? For most of us, achieving those goals requires creating a budget and sticking to it – eyes on the prize, right? So, let’s talk about how to create a successful budget for the year ahead and the benefits…

The season of giving and sharing with family and friends is upon us. For many people it is also the time for donating to communities, causes, and charities they care about. Whether your budget for making charitable donations is small or large, there are ways to increase its effectiveness that benefit recipients and donors. Following…