Q: Do I need to have a separate rainy day fund and emergency fund? 

A: Some people like things simple. Just remember, rainy day funds and emergency funds serve different purposes. Find out why both rather than one might be right for you.

You’re in the market for a furry new friend! You’re getting all gooey-eyed thinking of that small, wet nose, those big, droopy eyes, and those happy, frisky barks. And the online ad you’ve seen for an adorable little puppy makes you believe that dream is well within reach—and well within your budget. Watch out for this scam that has been on the rise in 2020

No one likes to think about what happens when a family member passes on, but it’s best to plan for the financial repercussions of a death in the family long before the time comes.

Q: I’m really trying to stick to a budget this holiday season, and I’m doing most of my shopping online. It should be easy to stay on track, so why am I constantly going over budget? 

Did you know there were 14.4 million victims of identity theft in 2018? According to Javelin Strategy, each case cost the victim an average of $1,050 – and that’s only the cost in dollars. When an individual’s identity is stolen, the thief wreaks major havoc on the victim’s financial health, which can take months, or even years, to recover from.

These 8 simple steps will get you literally on the road to buying a pre-owned car without making mistakes than cause buyer's remorse later.

Many people enjoy using credit cards in their daily lives for a variety of reasons. Some feel that carrying a credit card is safer than carrying cash. Using these tips can ensure you're getting the most from your cards.

Q: I graduated college with a huge student loan debt. Since then, I’ve landed a decent job and I’ve been making steady payments toward paying down my loan. Is it possible for me to buy a house while I’m still paying off this debt?

Credit cards are a great tool—as long as you’re smart about using them. Credit cards act as an interest-free loan if you pay for the purchases in full when the bill comes due. It’s when you pay only the minimum balance—or stop paying altogether—that your problems can start to add up. So how do you stay in control of your credit to stay in good financial shape—both now and in the future? Come to one of our seminars, schedule one for your office, department or company, and use the documents linked below to get started with credit the right way.