How to Recover from Santa Shock

kids looking santa and reindeer

If you’re looking back on the holidays with dread because of the extra debt, you’re not alone. Here’s what you can do to recover from holiday spending.

Budget Credit Card Debt

Budget carefully to pay down credit card debt as soon as you can. It’s worth it to feel the squeeze for a few months in order to pay off those bills sooner. The longer you take to pay off the debt, the more you’ll be paying in interest.

7 Steps to a Mid-Year Financial Checkup

man with laptop working on mid-year financial checkup

It’s hard to believe, but 2019 is half over. Take a timeout from barbecues and mountain hikes to give yourself a mid-year financial checkup. Use the seven steps below to guide you. 

Step 1: Revisit Your Budget 

Take some time to review your monthly budget. Is it working for you or are you falling behind each month? After reviewing, adjust your budget as necessary. 

How to Build Good Credit

Use Credit Responsibly

Believe it or not, if you bury yourself in bad credit debt, it can not only prevent you from buying a home or car, but hinder you in your next job opportunity.  From the day you get your first credit card, every purchase and every payment matters. Immensely. It’s important to be responsible not only when using your credit card, but also at payment time each month. But what exactly does that mean?

Be Smart

How Students Can Start Building Credit

Discover Strategies for Students to Build their Credit

When you are a young student, it is a perfect time to start building your credit.  A “credit score” measures the chance that a loan will be paid back by the borrower. In other words, it provides lenders an idea of the likelihood that their money will be returned to them…in full and on time. To establish and maintain a good credit score requires that you demonstrate a track record of responsibility and trustworthiness with someone else’s money.