Without the right support and preparation, buying a home can feel a lot like putting together a puzzle with only half of the pieces: time-consuming and frustrating. From house-hunting to closing, the homebuying process takes 4 to 6 months on average and involves multiple moving parts, so it’s no surprise that many homebuyers find it overwhelming.
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As the holiday season wraps up, many of us face the financial aftermath, a period marked by reviewing expenses and recalibrating budgets. The start of the new year presents a crucial opportunity to assess and rejuvenate your financial health, setting a solid foundation for the months ahead.
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The new year is the perfect time to declutter your finances. Learn the simple way to organize, consolidate, and automate your way to financial order.
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It’s no secret that interest rates on everything from auto loans to home loans have risen significantly over the past year. However, there’s a bright side to rising rates: Savings accounts have also increased their interest rates, making it easier to grow your savings.
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Economic downturns, looming recessions, and rising inflation can shake your financial stability. In these times, credit cards can seem like an immediate solution, but leaning too heavily on them might set you up for future pitfalls. When it’s time to batten down your financial hatches, making wise choices regarding credit card use is more important than ever.
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Want your savings to earn more than they would in a traditional savings account, without taking on risk? Then you may want to look into opening a certificate. If you do your banking at a credit union, you may also know them as share certificates, or as certificates of deposit (CDs) at a bank.
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Do people still carry cash? The answer is a resounding YES. While most transactions can be handled with your digital wallet, credit card, or debit card, cash is still useful, especially in an emergency, when digital or card payment options might not be available. As with most things in life, it’s smart to be prepared. Let’s look at how much cash you should have on hand and how to keep it safe.
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Small businesses are the backbone of the economy and a vital part of our cultural identity. However, when it comes to holiday shopping, many consumers rely on retail giants, missing out on the opportunity to discover distinctive offerings and invest in their communities. Small Business Saturday is always the last Saturday in November, falling between November 24 and November 30, depending on the year. Small Business Saturday is a chance for Main Street enterprises to capture a little more yuletide magic and market share. Here’s what small business owners need to know.
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If you feel overwhelmed by your finances, you’re not alone. In fact, nearly half of all Americans live paycheck to paycheck, struggling to pay bills or save for the future. By adopting healthy financial habits, you can help reduce financial stress, increase financial security, and enhance peace of mind.
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‘Tis the season to be wary. The holidays are a busy time for shoppers, travelers, and helping hands. Unfortunately, the cold weather months are also when scammers turn up the heat. A 2020 Experian study found that nearly one in four Americans have fallen prey to fraud during the holidays. In this article, we’ll cover seven costly scams that are currently on the rise and offer a few tips for staying safe.
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