Back to School Savings: Easy as 1, 2, 3

Back to School Savings: Easy as 1, 2, 3

It’s that time of year again. Back to school! The fun of summer is over, and the kids go back to school. While it might be a relief to some parents to have the kids out of the house, back to school shopping can be a real nightmare. According to Quicken Loans, as of 2015, the average American household spends around $630 on back to school supplies. It might seem inevitable to spend so much on school supplies, clothes, and other necessities, but with some smart shopping, you can cut back on costs. (more…)

5 Signs You Need a Personal Loan

5 Signs You Need a Personal Loan

It doesn’t take much to throw you off your budget. Unexpected expenses can pop up out of the blue, but there’s no reason to get overwhelmed. A personal loan can get you through a difficult financial time and back on track. (more…)

5 Ways to Get the Kids Outdoors and Not Glued to the TV

5 Ways to Get the Kids Outdoors and Not Glued to the TV

If your kids are anything like the average small humans, they might be glued to screens all day, or maybe they are constantly whining that they are bored. If you don’t want to spend money on memberships to parks or pools or are in a pinch for money and can’t afford extra expenditures right now, here’s a few ideas for fun, easy, and affordable ways to get the little angels out of the house (and out of your hair.) (more…)

Creating a Budget Based on Your Lifestyle and Income

Creating a budget based on your lifestyle and income is essential to managing your finances. For many families frugal living is often a necessity rather than a choice. Packing lunches, taking the bus or pre-cooked meals that would last for 2-3 days helps to keep the household finances on track.
(more…)

What is a Credit Report? Everything You Need to Know!

What is a Credit Report? Everything You Need to Know!

What is a credit report?
A credit report is a detailed account of your credit history that determines your credit score. On your credit report, you will see a summary of every credit or loan account you have taken out and your payment history, if you have missed payments or quit paying altogether, that will be reflected and you will see a lower credit score. If you have made your payments on-time and have a reasonable amount of accounts, that will also be reflected, as well as if there have been any inquiries into your credit score. (more…)