Plan Your Paycheck

Your paycheck is a starting point for making a budget.  Set aside 15 minutes to review your income and expenses. This way you can plan your paycheck. For This activity, make sure you have the following items: Time: 15 min Tools: Printable Calendar, Pen, List of Income and Expenses Step 1: Establish Your Starting...

Dealing With Debt

If you are dealing with debt, know that you are not alone. In fact, 4 out of 5 Americans are currently in debt.  Let’s work together to figure out how you can eliminate that burden.  Today's article will provide some great tips on how you can pay off your debts. What are your options? Balance Transfer – A new credit...

Smart Spending With Groceries

Achieving your financial wellness goals start with setting realistic expectations.  When it comes to basic necessities such as groceries, cutting out spending is not going to be an option.   However, there are steps we can take to make sure we are practicing smart spending habits for greater savings without sacrificing...

Automate Everything

Automation is a great way to make life easier.  You will invest time up front setting up your system and then the system will work for you.  It’s easy to automate everything from savings, to spending, and shopping. Wondering why you should automate your finances? You may start the week with good intentions. You’re...

What Happens When You Make Minimum Payments On Credit Cards? – U.S. News

Featuring Jeff Arevalo, Financial Wellness Expert  Making the minimum monthly payments on your credit cards can lead to maximum pain. By paying only the lowest amount required each month, you're stretching out how long it takes to wipe out your credit card debt and paying considerably more interest than you otherwise...

Financial Awareness

Today's focus is on financial awareness. We are all human, and part of being human is understanding that each decision we make has an outcome on our financial situation. A lot of our decisions are driven by our biases and environment. Ask yourself these questions: How often do you feel pressure to order something...

Pull Your Credit Report

Take a Look at Your Credit Report You can obtain your credit report at www.annualcreditreport.com. Pulling your credit report does not have a negative impact on your score. DO NOT GOOGLE FREE CREDIT REPORT Google will take you to six sites before you get to the right place. Go to annualcreditreport.com. This website...

Take The Highlighter Test

No Spend November Day 2 Financial tip: highlight where your money is going Remember, this is not about judgement, this is not about feeling bad, it's about taking control of your financial situation . It's time to sit down and highlight your expenses! Step 1: Print your checking account statement and/or credit card statements. Step...

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