Posted in Finances

A Long November’s Nap

No matter how hard we try to deny it, there are only 24 hours in a day. And once you’ve dedicated most of those to making that important deadline, spending time with family and friends, and maybe squeezing in a hobby, there aren’t many hours left over for that little thing called “sleep.” If the sleep debt you’ve accrued could make an insomniac shake in his slippers, then it’s time to take advantage of National Sleep Comfort Month this November….
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How Student Loans Impact Your Credit

If you’ve finished college within the last few years, chances are you’re paying off your student loans. What happens with your student loans now that they’ve entered repayment status will have a significant impact — positive or negative — on your credit history and credit score. It’s payback time When you left school, you enjoyed a grace period of six to nine months before you had to begin repaying your student loans. But they were there all along, sleeping like…
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How Will I Manage to Send My Child to College?

Being able to send your child to college is near the top of the wish list for most parents. A college education can open doors to many opportunities, and is increasingly necessary in today’s economy. But that diploma doesn’t come cheap. Unless you are very well off financially, it’s difficult to sit on the sidelines for years and then suddenly find the money to pay for college when your child is ready to go. The best thing to do is…
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National Preparedness Month

Whether there’s sunshine on your shoulders or you are trying not to belt out “rain, rain, go away,” we always have weather on the mind. The local forecast may be the last thing you hear before going to bed and the first thing you wake up to each morning. And even though it’s our go-to conversation starter and the deciding factor in our wardrobe choices, most of us don’t have an emergency weather plan. What better time to change that…
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Organizing Your Finances When Your Spouse Has Died

Losing a spouse is a stressful transition. And the added pressure of having to settle the estate and organize finances can be overwhelming. Fortunately, there are steps you can take to make dealing with these matters less difficult. Notify others When your spouse dies, your first step should be to contact anyone who is close to you and your spouse, and anyone who may help you with funeral preparations. Next, you should contact your attorney and other financial professionals. You’ll…
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10 Things Women Need to Know About Money

Life is definitely more than just about money. There are so many things to know about money. The list is endless, but here are 10 important things you as a woman should know about money: 1. Men and Women are Different Understand that men and women are different in how we use money, how we feel about money, and how we communicate about money. In most relationships one partner will be the spender and one will be a saver. Understand…
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Time for a Financial Plan Tune-up

No matter where you are in life, your financial plan – like your favorite automobile – requires regular maintenance to keep you on track for financial success. And since June is the halfway point of every year, it’s a great time to review your plan and make any necessary changes. Here are a few key things to consider: • Do your designated beneficiaries need to change due to the birth of a child, adoption or divorce? • Has there been…
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The Building Blocks of a Financial Legacy

When it comes to your finances – as it is with many things in life – it can be good to revisit the topic to keep up with changes or to simply refresh your memory every now and again. April is Financial Literacy Month, a time dedicated to brushing up on the building blocks of all things financial. This is also a great opportunity to educate family members, both young and old, on the basics and the subtleties of managing…
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Credit Traps for the Unwary

It’s hard to imagine functioning in today’s society without access to credit. However, you need to be careful not to fall victim to some of the pitfalls associated with it. Revolving credit can make it hard for you to pay off debt Credit cards allow you to spend money you don’t currently have, and to repay what you’ve spent over time instead of all at once. When you use a card, the balance you owe increases, and your remaining available…
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Valentine’s Day Done the Charitable Way

When you think of Valentine’s Day, what comes to mind? Is it cozying up with your loved one on a park bench, plunging face-first into boxes of assorted chocolates, or classrooms of children exchanging much-sought-after cards and candy? Although the traditional ways we celebrate love on Valentine’s Day are longstanding – with Valentine’s cards outdating Hallmark itself – many of them don’t have a lasting effect on our lives. But that doesn’t have to be the case. Instead, why not…
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