Steps for Creating a Budget

Steps for Creating a Budget

by | Nov 12, 2025

Calculate your monthly income. Add up your fixed monthly expenses like rent, utilities, food and supplies, auto expense, savings, etc. Determine your discretionary expenses like clothing, eating out, going to the movies, gifts, etc. Subtract your fixed expenses from...
Smart Ways to Spend Your Tax Refund

Smart Ways to Spend Your Tax Refund

by | Mar 24, 2023

Pay off credit card debt Add to your emergency fund Add to your retirement savings or jumpstart your a retirement plan Start a business Fund a college education Add to your HSA Invest in your home Invest in family activities Help others by donating to a charity  ...
Ways to Save on Car Insurance

Ways to Save on Car Insurance

by | Mar 24, 2023

Shop around and compare rates Always ask about discounts Drive safely Don’t over insure Drive a car that’s cheap to insure Increase your deductible Improve your credit If you don’t drive a lot, consider usage-based insurance Reference...
Is it Safe to Keep my Money in a Savings Account?

Is it Safe to Keep my Money in a Savings Account?

by | Nov 11, 2022

Savings accounts are a safe place to keep your money because all deposits made by consumers are guaranteed by the FDIC for bank accounts or the NCUA for credit union accounts. Deposit insurance for savings accounts covers $250,000 per depositor, per institution, and...