6 Tips to Build Your Emergency Fund

Financial experts recommend that individuals save anywhere from three to twelve months worth of expenses, also known as an emergency fund. The fund is to help cover expenses in the case of a sickness that prevents you from working, an unexpected layoff, etc. Saving three to twelve months worth of living expenses can be daunting for even the most budget-conscious person, but here are 6 ways you can get started.

Continue reading →

5 Things to Do with a Budget Surplus

You’ve paid all the bills, allocated money for discretionary spending, and still have money left in your budget! Kudos for cutting back – whether that entailed eating in more often, taking your coffee to work everyday, or resisting the urge to buy new items for your closet. Having a surplus in your budget may feel like a major accomplishment, but having a plan for the money is helpful. Otherwise you may find yourself casually spending it on things that don’t really fall within any of your budget categories. Here’s are several ways to put your surplus money to use:

Continue reading →

How a Prepaid Card Can Help After Identity Theft

Identity theft is one of those topics that is often talked about, but isn’t always easy to understand, unless you have had an experience with it yourself. In 2011, the Consumer Sentinel Network received around 1,813,080 complaints, with 15% of these complaints being reports of identity theft. That’s about 281,000 Americans that had issues in just ONE year with identity theft. The FTC (Federal Trade Commission) has estimated that the average amount of time and energy required to recover from identity theft is 6 months and 200 hours of work.

Continue reading →

What To Do About Your Student Loans

A college education is a priceless investment, but unfortunately many recent grads will struggle to pay off their student loans for many years. Even if you’re lucky enough to land a steady full-time job right out of college, owing potentially hundred of dollars each month to your lender makes it difficult to build your savings and investments. Here’s some information to consider to help you pay off your student loans and be debt-free faster:

Continue reading →

1 2 3 4 5 6