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A recent study by the Federal Reserve cited that non-housing,  household debt has risen 3.3% in the last quarter of 2013.  And a majority of US households indicated a financial setback of $5,000 or more would be a major financial catastrophe  Much of it can be attributed to the fact that 2/3’s of US households don’t have a spending plan.

Categories: Money Matters, Saving, Taxes

For millions of Americans, they have or will soon receive a tax refund check this year.  This year’s average refund check has been nearly $2,900 per return.  There are several prudent choices for your tax refund and even a few fun ways to spend it if you just have to spend the refund.

With the first quarter of the year already gone it might be time to look at those resolutions that you formulated at the start of the year. If like some, many of your New Year’s resolutions have gone by the wayside.  If those forgotten resolutions are financially related there is still time to get them back on track.

Spring cleaning doesn’t just have to be for around the house. Your finances may be in need of a little spring cleanup as well. There are several important areas of your financial situation that probably need a review annually.

We have all heard that getting a mortgage loan can be challenging in today’s environment and the amount of paperwork can be daunting. And, you will have a few important decisions to consider right at the beginning of the application. Fortunately, a little pre-planning on your part can greatly help reduce the stress and make the process go smoothly.

Now is the time of year that many homeowners are starting to think about renovation projects. However, maybe they should consider moving instead of renovating.  There are a few key questions to answer that can help you make the best decision for your situation. 

Categories: Money Matters, Saving

Saving money can be a difficult habit to start and the one habit that is amazingly very easy to stop. Fortunately, there are a few easy tricks to saving that don’t require a budget overhaul. From paying in a manner that generates rewards for you to not spending a certain type of paper currency, all are ways you can save without really changing your habits either.

Having your first child or adding to your family is a very exciting and rewarding experience.  Before the baby arrives there seems to be a lot to do, fix up the nursery, attend baby showers and yes, start planning financially for that new bundle of joy. New children often require a re-working of the monthly expenditures, whether you are on a budget or not.

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