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We have all heard that debt is bad, but realistically almost everyone has to have debt. Not many people can really afford to pay cash for a home or a car.  Knowing the difference between good debt and bad debt is a key to financial success.  

We all come from different backgrounds, have had different life experiences and are probably in different stages of life.  We do however have one thing common despite all of our difference.  If we are not where we want to be financially, it is usually ourselves that we have to blame.  

In today’s do it yourself world it can be easy to feel that financial advice can be found by searching online.  Much of that mentality is driven by the belief that financial planners are just for those that are rich.  Debunking the myths about who really needs financial advisors and the best way to find the right advisor is an important discussion.

Categories: Finances, Money Matters

For most people in a financial crisis, their crisis didn’t happen overnight.  Usually there are warning signs even 2 – 3 years in advance pointing to the impending financial troubles.  Knowing these signs can help you detect potential problems earlier and hopefully help you avoid or at less minimize the financial difficulties.

Categories: Money Matters, Planning

Whether you established a plan at the beginning of the year or not a midyear review of your finances can be very beneficial for your financial health going forward.  There is still plenty of time to develop strategies to resolve any problems that could be looming in the future.

Retirement is something most of us think of as the end of the journey when it really the beginning of our second act. Living well in retirement requires planning, hard work and avoiding activities that can impact how we live in retirement.  Avoiding a few common missteps can help keep you on the road to the retirement of your dreams.

Couples just starting a life together often struggle with melding two money management styles into one cohesive couples’ strategy.  Money issues are still the number reason for marriages or relationships to end.  However, a few simple steps can help couples avoid the blunders that can lead to money problems. 

Preparing a budget is an important step in becoming financially fit. If you just prepare a budget based on what you are currently spending, you might not really be helping yourself all that much.  Your current spending habits in certain areas may be more than what is optimal to gain financial freedom.  What you really need to do is allocate your monthly income using a budget pie assigning percentages to the important categories.

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FORUM Credit Union in Indianapolis, Indiana is federally insured by the NCUAFORUM Credit Union in Indianapolis, Indiana is an Equal Housing Opportunity lender
Federally Insured by NCUA