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One of the most difficult financial decisions is determining when to use debt and when savings would be more appropriate. This is usually followed by deciding what type of debt is most appropriate for each lending situation. Deciding to go into debt and the type of debt that you will use are extremely important decisions that can impact your financial future for a long time.
 

It more than your house that can use Spring cleaning. If you are like most people, your finances could probably use a little work as well.  Now is a great time to start and the most of the items on a financial Spring cleaning list can be completely in less than 30 minutes.
 

Categories: Budgeting, Finances, Planning

If you have always desired a budget, but feel like the creation and upkeep of one would be too much effort, there might be a better way. As a FORUM member, you have access to FORUM’s free online banking program, CU Online.
 

Your 401K

Your 401K

3/20/2017 with 1 comments

It’s time to make the most of your 401(k). You’ve probably heard these tips before, but sometimes it’s good to have a mental refresher to put these tips into practice!
 

Do you need to increase your cash flow to make your monthly budget work? Almost everyone could use a few more dollars each month.  There are ways to give yourself a raise even if you don’t get one from your work.
 

Whether you are like thousands of families getting ready to head out for spring break or you are spring breaking at home, the week of Spring Break is a potential financial crisis caused by overspending.  Fortunately, there are a few ways to keep your spending under control.
 

One of the most perplexing questions for a home buyer is whether to use a fixed rate mortgage or an adjustable rate mortgage loan. Some might think in today’s rate environment, a fixed rate mortgage is the only option. That is not necessarily true as even today, there are reasons to consider an ARM loan. 
 

Budgeting is certainly a lifestyle change and if your New Year’s resolution was to live by a budget, you could be experiencing burnout by now. Lifestyle changes are difficult, however there are ways to beat budget burnout and stay on track financially.
 

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