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Money talks.

Our blog is written by experts — who also happen to be real people who have experienced the same financial concerns you have. Read on for real talk about real finances.

10 Tips for Living on a Budget in College

The toughest math test for many college students is making their money last through each month. That’s why living on a budget is so important. With plenty of bills and limited time for work, cash is tight for almost every student. Thankfully, with these ten budgeting tips, you can make your money go further and build financial habits that pay off for a lifetime. 1. Write a budget down and t... Continue Reading »

Wondering how to repair credit? Here’s one tactic that doesn’t work.

There are many myths when it comes to finances and credit, but one that’s particularly misleading is that moving credit card balances to multiple cards will help someone “hide” debt on a credit report. Unfortunately, many people find out the truth too late: Not only does that sneaky tactic keep debt on your report, but it can actually harm your credit rating too. Talk about a backfire. ... Continue Reading »

What’s a good credit card interest rate?

You’re likely familiar with credit card interest rates, but it can be confusing to choose a card based on those big, bold numbers – especially with annual fees, introductory rates, and balance transfer offers. Here’s a simple answer to the question of what constitutes a good credit card interest rate: A “good” rate these days starts at about 7.75 percent interest, with no annual fees.... Continue Reading »

Money management tips: 5 easy ways to spark financial fireworks

When it comes to your finances, a small spark can ignite spectacular results. Even seemingly minor decisions can have long-term benefits, like lighting a fuse on an amazing fireworks display. Here’s a roundup of our best money management tips, to help you find your spark: 1. Put together a realistic budget.Because this task feels like a chore, many people put it off or skip it altogether.... Continue Reading »

Stay on track: How to prevent a default on a mortgage

Missed mortgage payments became far more familiar during the recent financial crisis. If your tight budget is forcing a decision about which payments you might have to skip, don’t give up and let the situation spiral out of control. Tight cash flow doesn’t mean you’re going to default on your mortgage. The mortgage should, of course, be one of the last bills you let slide. Missing payment... Continue Reading »

Make the most of your first salary: living on a budget

Establishing a viable budget after landing your first full-time job is tricky, usually because it’s difficult to imagine exactly how many places your money has to go. You’ll soon discover, though, that without a plan, your finances can quickly run amok. Read on to help get your financial house in tip-top shape. Budget framework When establishing a budget, it’s a good idea to get your pla... Continue Reading »

Learn how credit cards work: The fine print

Credit cards can be a useful part of your financial toolbox. Along with enabling you to purchase items now and pay for them later, credit cards can also help you build your credit score. But don’t start filling out that application until you have a good understanding of how credit cards work. It’s easy to sign on the dotted line, but it isn’t as easy to understand the fine print that weaves... Continue Reading »

Funding your future: how student loans work

A college degree can come with a hefty price tag. Whether you’re paying for a child’s education or your own, it’s likely you’ll need to take out a loan or two. Read on to learn how student loans work before you start applying. Financial aid office Your first step, whether you need a loan or not, is to reach out to the financial aid office at your preferred school. “I recommend cont... Continue Reading »

Living on a budget: Summer fun edition

Don’t let your vacation dreams turn into an excuse to quit living on a budget or start racking up credit charges that you’ll spend months paying off. With a little smart planning now, you can enjoy a great summer without worrying about financial repercussions. Plan within your means If a week at an all-inclusive resort isn’t realistic, set your sights elsewhere. Don’t fall into the t... Continue Reading »

Debt facts and myths: The truth about how debt adds up

Most debt is incurred with large purchases, like big televisions or extensive vacations, so if you just keep those big charges in check, you’ll be fine, right? Wrong. In fact, for many people, debt sneaks up after using credit cards for small purchases. Here are some debt facts and myths that will help you get your finances under control. Consider these three credit myths and the solutions... Continue Reading »