Pros and Cons of Having an Emergency Fund

Having an emergency fund may seem on the surface to be a common-sense proposition. Money set aside specifically for the purposes of having it in the event of an emergency acts can be a valuable buffer between yourself and financial ...

How to Celebrate Mother’s Day on a Budget

In an ideal world, you would have unlimited funds to spend on celebrating Mother’s Day; however, most of us operate on a tight budget. Even though your funds might be limited, the love, fun and joy of Mother’s Day doesn’t ...

Do You Need to be Preapproved for a Car Loan?

Whether you’re buying a new vehicle out of need or simply because you feel you are due for an upgrade, making a purchase that large usually means you will be paying with a loan. If you arrive at the negotiating table preapproved, ...

How Car Insurance Varies by Location

Many factors go into determining your car insurance rate. Your driving record, driving behavior and the make and model of your vehicle can all play very large roles in the annual cost of your coverage. However, one factor that ...

6 Retirement Planning Mistakes

Planning for retirement is exciting, anxiety-inducing and complicated. Sometimes it seems you can’t even plan further than the weekend, so to plan your entire work-free retirement? That seems like a lot to handle. When dealing ...

Determining Your Car-Buying Budget

Buying a new car is an exciting process, especially when you’ve been saving and waiting for the right one to come along. Cars are an expensive investment that take time and consideration. Before you hit the dealership, do a ...

4 Ways to Pay Off Your Mortgage Quicker

Mortgage payments can be a major drain on your budget. Paying off the minimum amount each month can be helpful in the short term, but the extra interest and duration of the loan can make a significant dent in your long term spending ...

6 Ways to Improve Your Credit Score

Credit scores are a sensitive topic for many people. The National Foundation for Credit Counseling performed a survey which indicated that more people would be more embarrassed to admit their credit scores than their weight (30 ...

Habits That Could Impact Your Insurance Rates

Car insurance is essential for motorists today. Not only is it forbidden to drive without insurance in all 50 states, but that insurance can also help you to cover the costs incurred by an accident. Many drivers want to obtain ...

Should You Pay Down Debt or Save?

What’s makes better financial sense — saving or paying down debt first? Deciding whether to tackle retirement planning or debt reduction first is a difficult choice. Both are daunting prospects and both carry serious weight. ...