How to Have a Baby Shower on a Budget
Welcoming a new baby into the world is one of life’s most extraordinary and meaningful experiences. It can also be among the most stressful financial times as you begin planning ahead for the delivery, setting up the nursery, and coordinating childcare. Another significant milestone is hosting a baby shower to celebrate the new arrival with […]
How to Make a Budget: A Step-by-Step Guide for Beginners
Creating a budget might sound intimidating if you’ve never done it before. But regardless of income or financial situation, everyone benefits from seeing where their money is going and planning for the future. There are many benefits to making a budget, such as helping control your spending, reduce stress in your life, and achieve your […]
Soft vs. Hard Credit Inquiries & How They Affect Credit Score
Credit inquiries occur when someone runs your credit information to gauge your spending and credit utilization habits. These types of credit checks play a crucial role in making financial decisions because the results can impact your ability to make purchases. There are two main types of credit inquiries: a hard credit check and a soft […]
Financing Options for Home Energy Efficiency Improvements
Did you know that the average cost of utilities in America is $500 to $600 per month? Increases in utility usage and costs can drain your budget and have a broader global impact by depleting limited natural resources in our environment. One way to take care of your finances and the planet is to make […]
Does Refinancing Your Car Hurt Your Credit?
When you refinance your car, you take on a new loan to pay off your existing balance. Taking on a new refinance car loan means having a new interest rate and loan terms. Yet the purpose of getting a refinancing car loan is to eventually save money with a better interest rate, lengthen your loan […]
How a Red Flag on Credit Report Could Affect You
Many people don’t think about their credit reports until it’s time to buy a new car or home. But by that point, plenty of red flags could have accumulated to stand in the way of what you want to purchase. You are not alone if you are unsure how to read a credit report. Many […]
