Budgeting Tips

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Most Americans are not ready for retirement.  I learned not too long ago nearly half of families have no retirement account savings at all. And the average American between the ages of 50 to 55 has retirement savings of only about $124,000. This shouldn’t be happening. Yes, life is hard. And expensive. We live during one of the most prosperous...

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Have you ever made a decision (or not made a decision) based on how it would impact your credit score? Whether it be applying for a credit card, canceling a credit card, paying off debt early – we are concerned about how it will impact our credit score. And for good reason too; your credit score could potentially impact your...

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You may feel as if you are all shopped out after the holidays. Hopefully, your budget isn’t completely busted and you can take advantage of some great deals coming up. Each month, certain items go on sale to lure shoppers in and for retailers to sell items that wouldn’t normally move from the shelves. Keep an eye on the items...

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When you think of items on your life’s bucket list, homeownership might be one of them.  I know it was for me.  Fifteen years ago, when I signed on the dotted line to purchase a brand new house, I didn’t know it at the time, but that signature would seal in years of unimaginable financial hardship. I found myself having...

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Congratulations you survived another holiday season! Finally, all the shopping, preparing, rushing, cooking, cleaning, and everything else is either done or winding down.  But unfortunately, sometimes the holidays ending doesn’t reduce stress;  sometimes we feel more anxious and discouraged having to face the coming year.  When we spend weeks (or possibly months) gearing up for the holiday season and flip...

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