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Home improvements are not all equal.  Some provide more value for resale than others. However resale value is not the only criteria that should be used to determine the projects to complete. Deciding which home improvement projects make financial sense is not an easy task.

The first six months after graduation are a key time in a college grads financial life so whether you are the graduate or have a child graduating there are a few financial steps that can really improve the probability of having long term financial success. Learning these basic financial habits early in life will be a great foundation for future success.

Categories: Money Matters, Saving, Spending

May is all about graduations, the race and the start of summer vacation season. All of these seem like opportunities to bust your budget however, with a little planning and moderation, you can actually improve your financial situation during the month of May.  

We all understand that budgeting is the key to saving more money and to having more money to spend. What many people don’t realize is how small budgeting blunders can snowball and become big issues over time.  Avoiding most if not all of these budgeting mistakes can make a significant difference in your budgeting success.

Categories: Financial, Money, Money Matters

Next week is national money smart week, a national effort to help raise financial literacy across the country. Research has proven that people are more financially secure when they develop a strong foundation of financial skills.  Being money smart starts with foundational principles and builds upon this basic knowledge. No matter one’s stage in life, there is the opportunity to develop your financial IQ.

Numerous studies have proven that children who get a basic understanding of financial concepts early in life are much less likely to have financial difficulties later in life. It may be surprising how many opportunities that parents have to teach their children about financial matters early in life.

We have heard them our whole life and some even try to live by them, but do we really know what they mean?  Understand how we can put some of these financial words of wisdom into practice can be very helpful for long term financial success.

Categories: Credit, Money Matters

A credit score is a concept that most consumers don’t fully understand and often don’t realize it is used more than just by financial institutions.  Understanding what a credit score is and how it is used can be extremely important. It is also important to understand the difference between a credit report and a credit score.

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