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budget

Managing your credit reputation

credit cards

What is your credit reputation? Your credit report and credit score together make up your credit reputation. As soon as you get a credit card, a phone, or even sign up for utilities, you start building what we call a “credit history,” which includes all your status across accounts, total debts, and your payment history.…

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10 money moves to make before you have a baby

Adorable Baby Feet

Ready to pick baby names while wondering which color baby booties you’ll need? (Neutral, everyone says go with neutral.) Exciting and life-changing times are ahead! You’re going to have fun decorating the nursery and sharing the good news with everyone. But the next nine months are also important for getting your finances in order. Studies…

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Livin’ the dream: how to plan a gap year

Globe Showing Europe

What does “livin’ the dream” mean to you? It could be chasing waves in the best surf spots around the world from Hawaii to Fiji. Or moving to France, eating freshly baked croissants every morning while working on that novel you’ve always wanted to write. Maybe you think to yourself, “I wish I could do…

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Back-to-school: plan your budget

school supplies

Back to school means expenses!  Clothes, shoes, and school supplies can drain a budget quickly. According to The National Retail Federation, the average family with school-aged children spends $674 on back-to-school items–clothes, shoes, supplies, and electronics–each year. It’s no wonder setting a budget is essential for all parents with school-bound youngsters. To avoid falling into…

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Saving for teen dreams

Most teenagers have big dreams. Some dream of owning a car, traveling or starting a business. Many plan on attending college. All those dreams require cash.  So how do you turn that dream into reality? Be a dream achiever and start saving your money. Think $1.67 a day! If you’re 13 years old and you save…

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