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One thing we could all do with is a little more knowledge about credit and credit cards. Every year, college […]
A higher than expected natural gas bill is not the kind of surprise you enjoy getting in the mail. It’s […]
Students, start your financial freedom at Emery As you get your first job or journey off to college, your financial […]
Customers no longer need to go to the bank physically to deposit checks. Mobile check deposit features allow account holders […]
Federal Income Taxes are a percentage of an individual’s or business’s income paid to the government and used to fund […]
After you’ve set your wedding date, you are of course excited to start a new life with your spouse. Many […]
Investing remains one of the four cornerstones of a strong financial foundation. And, learning how to do it can be […]
Have you thought about buying a home soon? Get preapproved first before you start looking! What does preapproval mean? It […]
No amount of wishful thinking will lower prices at the pump. Instead, focus on efforts that will make a difference—follow […]
A lot of people think that net worth is a fancy way of saying how much money someone has, but […]
Everyone has secrets—personal data, passwords, private documents, etc—and people will spend lots of money to keep this information secret or […]
They love me, they love me not. Here’s how you can prevent yourself from falling victim to some of the […]
There’s nothing quite like airing out your home from a long winter, scrubbing it down to a sparkly shine, and […]
How to Save Money Wedding Planning in 2022 If you are planning a wedding this year, it could be challenging. […]
Emery’s student scholarship is accepting applications! If you’re looking for something to help you fund your education, apply for our […]
Start planning your next big road trip with a new car! For a limited time, everyone can earn up to […]
Getting a home loan with emery is as easy as 1.. 2.. 3.. 1) Lock While You Shop At Emery, […]
Our annual meeting will be held on April 19, 2023 at 6pm. All members are welcome to attend. The board […]
Our annual meeting will be held virtually on March 23, 2022 at 6 pm via GoToMeeting. All members are welcome […]
If you’ve had credit missteps in the past, we want to help. We’ve seen it before. You make a mistake […]
A mortgage is likely going to be one of the largest loans you’ll take out in your life. It’s essential […]
A practical, workable budget is one of the most crucial tools in your financial wellness arsenal. Starting Points Your budget […]
While traditional envelope budgeting may feel a little extreme, there are plenty of ways to make the philosophy behind it […]
Debit cards are one of the most common forms of payment. In fact, according to Bankrate, 63% of people between […]
The 50/30/20 rule is a simple, practical rule of thumb for individuals who want a budget that’s easy and effective. […]
When it comes to talking with a spouse or partner about money, many people shy away. It can be scary—but […]
The sooner you teach your children the basics about budgeting, the better, and the 3 jar money system is a […]
It’s hard enough keeping track of your own expenses. So you shouldn’t be surprised that managing money as a team […]
If you’re building an emergency fund, saving for a big purchase, or getting money together to invest, using an insured […]
Making and spending money is a part of everyday financial life. Managing your money successfully relies on figuring out your […]
Financial literacy is knowing what finances are and how to spend, save, and manage money effectively. But it’s not a […]
Opening an account at a bank or credit union is the first step toward owning your personal finances. Best of […]
If you’re looking to rent, there are many things to consider beyond what’s explicitly in the lease. What’s in a […]
You’ve got rights as a renter. Of course, your landlord has rights too. If all goes well during your tenancy, […]
Calculating compound interest is complicated. Luckily, there’s a simple shortcut that helps you estimate how a fixed interest rate will […]
If a deal seems too good to be true, it probably is. You’ll need to keep your eyes open and […]
For many, finding a place to rent in a tight rental market is daunting, but by preparing in advance, you’re […]
Scammers target seniors more aggressively than any other group. Recognizing the most common scams helps prevent your money and personal […]
Mobile banking provides a convenient, safe way to access your funds when you’re unable to visit a branch. What is […]
Con artists cheat Americans out of billions of dollars every year. Recognizing red flags for potential scams can help protect […]
Whether you find yourself laid off from work, facing a medical emergency, or confronted with a situation that you’re financially […]
While it’s likely that you access the internet nearly every single day, that doesn’t mean that you can let your […]
Keeping money safe is important to everyone. Thanks to the FDIC and NCUA, your financial institution is probably the safest […]
Buying food is essential, but if you’re not careful, it can also eat into your budget. We’ve all given into […]
If you’re willing to wait, a CD can be a great way to earn a high interest rate on the […]
Inflation measures how much prices rise over time. When prices rise, the value of a dollar falls and your purchasing […]
If you find yourself facing an emergency that you’re financially under-prepared for, the prospect of what to do next may […]
Frugal living discussions often talk about pinching pennies or “stretching a dollar.” A penny saved is a penny earned, or […]
One of the most tedious parts of home buying is gathering the right documentation, but prepping beforehand makes it that […]
There are many options for keeping your money safe and earning a little extra from interest. Like a savings account […]
Whether you’re standing in front of a shelf at the grocery store, shopping online, or even walking around a car […]
During a recession, there are plenty of things everyone can do to help boost the economy. Since most of the […]
Bankruptcy is a tool that can help you find financial stability—but only as a last resort. Understanding Bankruptcy Congress created […]
Most people ask, “How much does college cost?”—that’s the first mistake. It’s not to say this question isn’t answerable, but […]
By properly managing a credit card, you can earn rewards and build your credit score, all while making your regular […]
A credit score is a number that potential lenders will use to determine whether they should lend you money, how […]
Interest plays a role in almost all aspects of personal finance, including savings, investing, credit, and loans. Interest is money […]
Still stashing money under beds, in ceiling tiles, or under floorboards? You may even use a safe to protect your […]
It’s scary to find yourself in a situation where you can’t afford your monthly debt payments. Whether that’s due to […]
When looking for a new car, you have three main options: buy used, buy new, or lease. There are pros […]
Refinancing can be beneficial if everything lines up in your favor. What can you get out of it? The list […]
A HELOC is a line of credit that allows you to borrow against the equity in your home. How it […]
Even if you’re financially responsible, life’s unpredictable nature can sometimes catch you off guard, at times making it dangerously easy […]
When shopping for a car, it’s usually best to start by shopping for a car loan. When you’re shopping for […]
It’s important to be aware of everything you’re agreeing to when using credit but, with careful planning, it can be […]
By knowing what you’re looking for in an employee and providing incentives to attract skilled candidates, you can create a […]
Health insurance has changed dramatically in the last few years, which means you’ll have to consider various healthcare options. It’s […]
You’ve found an ambitious, hard-working group of employees to help make your business a success. Now your challenge is to […]
Building a business costs money—usually more than you can generate from your operating revenues alone. Securing the funds you need […]
The Small Business Administration (SBA) is a US-based institution which helps reduce risk to lenders, making it easier for small […]
Although it’s tempting to try and run a business on your own, it’s usually a good idea to get professional […]
In the most broad terms, a recession is a period of multiple months where the economy declines. That means that […]
Good advice and a cool head can help you protect your financial security in a divorce. A divorce is almost […]
When you leave a job with a 401(k), you’ll generally have four options for what to do with the money. […]
Moving is a big undertaking, but planning a budget can help make it go as smoothly as possible. To start […]
Before the big day, sit down with your partner and talk finances. Some of these to-dos have a time limit—sometimes […]
If you don’t make enough money to cover your basic expenses, there are safeguards in place to help you make […]
Though divorce rates in the United States have declined significantly in recent years, divorce is still a challenge many Americans […]
There’s more to compensation than just getting paid. Chances are your salary will be your biggest concern when choosing a […]
When emergencies and unexpected situations strike, it’s important to be prepared and make wise decisions. While tough times can vary, […]
The Free Application for Federal Student Aid (FAFSA) is an application for financial aid made up of scholarships and grants […]
Keep your fingers on the pulse of your financial health. Serious sickness can strike both suddenly and unexpectedly. And its […]
Are you adding a child to your family? Congratulations! Whether it be through birth or adoption, parenthood is a fulfilling […]
Whatever your reasons for leaving a job, there are things you need to consider as you transition out of your […]
Losing a job unexpectedly can leave you feeling unsure of what to do next. There are a few important steps […]
The best way to prevent identity theft is to stay informed, aware, and on top of your finances. By taking […]
How much you owe in federal income taxes is determined by many factors, but your tax bracket and status will […]
Many major life changes, such as buying a new home, changing jobs, getting promoted, started a business, having a child, […]
Many people associate giving with charity, and donating money to help those who are in need. You can also make […]
You can legitimately reduce the tax you owe by planning ahead. Retirement Account Contributions By keeping an eye on the […]
Filing a tax return is a matter of following the line-by-line instructions that come with your tax form. Each form […]
Whether you need some more space, are ready to downsize into something a bit more manageable, or are relocating to […]
A lot goes into buying a home, but one of the biggest hurdles for many is saving enough for a […]
Even if you’re just starting your first real job—actually, especially if you’re just starting your first real job—it’s time to […]
Fairly dividing retirement savings between both partners in a divorce can make a huge difference in their future financial stability. […]
The idea of retiring isn’t new. People who grew too old or too ill stopped working and stayed home long […]
As logical as it might seem to look for the perfect stock, bond, or mutual fund and make it your […]
Individual retirement accounts (IRAs) can look intimidating and cryptic when you begin planning for retirement, but there are some foundational […]
Since its introduction in the wake of the Great Depression, Social Security has evolved from a safety net designed to […]
According to the Social Security Administration, there’s a 30% chance of a 20-year-old worker becoming disabled before he or she […]
Auto insurance is not only often a legal requirement, it’s also absolutely vital to your financial health. The truth is […]
Home Insurance is absolutely essential to protect what is likely your largest investment: your home. Buying a home is never […]
A renter’s insurance policy can help protect your personal property and yourself from liability for accidents that happen in your […]
With a health savings account (HSA), you can set aside pretax income to pay for current or future health care, […]
One of your biggest financial risks is confronting unexpected expenses that you can’t afford, no matter how careful you are […]
Life insurance isn’t something people like to talk about. After all, planning the financial impact of your death isn’t an […]
Health insurance can help you pay for the medical expenses you and your family might encounter. In general, most health […]
Whether to your own children, grandchildren, and nieces and nephews or the child of a close friend, one of the […]
Having a will to allocate your estate after you die is essential, so make sure it’s done formally and legally. […]
Applying for a mortgage is a big endeavor. Most lenders require you to complete a mortgage application—a comprehensive financial statement. […]
Setting up a trust is a way to ensure that your assets are handled the way you want them to […]
When you’re mapping out the best route to collecting retirement income, there’ll be several forks in the road. But you […]
There are some compelling reasons to buy real estate, but it’s not a clear-cut situation for everyone. Investing is like […]
One of the many mysteries of college, especially freshman year, is what being there is actually going to cost. Sure, […]
Teaching your family to be financially literate is as simple as involving them in everyday financial decisions. It’s crucial for […]
With car prices continuing to rise, many people have a concern about the value of their car. If this is […]
Student loans account for a lot of personal debt and often seem too daunting to handle. Learn how to start […]
An emergency fund is a financial safety net that everybody should have for life’s unforeseen challenges. One of the most […]
Credit cards are useful tools but have their trade-offs. Learn more about how to handle them cautiously. Using a credit […]
Start by defining your goals. Consider where you want to live, the features you’re looking for, what you can afford, […]
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