Tips for Teaching Your Teen How to Use a Credit Card

Updated: Sept. 7 2023   One thing we could all do with is a little more knowledge about credit and […]

10 Tips To Keeping Your Gas Bill Low

A higher than expected natural gas bill is not the kind of surprise you enjoy getting in the mail. It’s […]

Information About Federal Taxes

Federal Income Taxes are a percentage of an individual’s or business’s income paid to the government and used to fund […]

Stock Market Basics

Investing remains one of the four cornerstones of a strong financial foundation. And, learning how to do it can be […]

Should I Get Preapproved before House Hunting?

Have you thought about buying a home soon? Get preapproved first before you start looking! What does preapproval mean? It […]

How to Increase Your Gas Mileage

No amount of wishful thinking will lower prices at the pump. Instead, focus on efforts that will make a difference—follow […]

What is Net Worth?

A lot of people think that net worth is a fancy way of saying how much money someone has, but […]

2025 Emery Student Scholarship

Deadline Extended for Emery’s Student Scholarship! If you’re looking for something to help you fund your education, apply for our […]

Ransomware

Everyone has secrets—personal data, passwords, private documents, etc—and people will spend lots of money to keep this information secret or […]

Spring Cleaning is for Finances, Too

There’s nothing quite like airing out your home from a long winter, scrubbing it down to a sparkly shine, and […]

Wedding Planning in 2022

How to Save Money Wedding Planning in 2022 If you are planning a wedding this year, it could be challenging. […]

2023 Emery Student Scholarship

Deadline extended for Emery’s student scholarship applications! If you’re looking for something to help you fund your education, apply for our […]

The Cost of a Mortgage

A mortgage is likely going to be one of the largest loans you’ll take out in your life. It’s essential […]

Creating a Household Budget

A practical, workable budget is one of the most crucial tools in your financial wellness arsenal. Starting Points Your budget […]

How To Use Envelope Budgeting

While traditional envelope budgeting may feel a little extreme, there are plenty of ways to make the philosophy behind it […]

Everything You Need To Know About Your First Debit Card

Debit cards are one of the most common forms of payment. In fact, according to Bankrate, 63% of people between […]

50/30/20 Rule: Budget Guide for Financial Security

The 50/30/20 rule is a simple, practical rule of thumb for individuals who want a budget that’s easy and effective. […]

Boost Your Savings Potential: Open an Account Today

If you’re building an emergency fund, saving for a big purchase, or getting money together to invest, using an insured […]

Budgeting Basics: How to Manage Income and Expenses

Making and spending money is a part of everyday financial life. Managing your money successfully relies on figuring out your […]

What is Financial Literacy?

Financial literacy is knowing what finances are and how to spend, save, and manage money effectively. But it’s not a […]

Your Essential Renting Guide

If you’re looking to rent, there are many things to consider beyond what’s explicitly in the lease. What’s in a […]

Working with a Landlord

You’ve got rights as a renter. Of course, your landlord has rights too. If all goes well during your tenancy, […]

The Rule of 72

Calculating compound interest is complicated. Luckily, there’s a simple shortcut that helps you estimate how a fixed interest rate will […]

Avoiding Inappropriate Investments

If a deal seems too good to be true, it probably is. You’ll need to keep your eyes open and […]

Ready to Rent? Your First-Timer’s Guide to Finding the Perfect Place!

For many, finding a place to rent in a tight rental market is daunting, but by preparing in advance, you’re […]

What Is Mobile Banking Used For?

Mobile banking provides a convenient, safe way to access your funds when you’re unable to visit a branch. The Possibilities […]

Bank Scamming Methods & How to Avoid Them

Con artists cheat Americans out of billions of dollars every year. Recognizing red flags for potential scams can help protect […]

Early Withdrawals from Retirement

Whether you find yourself laid off from work, facing a medical emergency, or confronted with a situation that you’re financially […]

Online Safety Tips for Protecting Financial Information

While it’s likely that you access the internet nearly every single day, that doesn’t mean that you can let your […]

8 Ways to Cut on Grocery Spending

Buying food is essential, but if you’re not careful, it can also eat into your budget. We’ve all given into […]

What is a Certificate of Deposit? The Basics

If you’re willing to wait, a CD can be a great way to earn a high interest rate on the […]

What is Inflation?

Inflation measures how much prices rise over time. When prices rise, the value of a dollar falls and your purchasing […]

Finding Funds in an Emergency

If you find yourself facing an emergency that you’re financially under-prepared for, the prospect of what to do next may […]

The Upside of Frugality: Smart Strategies for Saving & Growing Your Wealth

Frugal living discussions often talk about pinching pennies or “stretching a dollar.” A penny saved is a penny earned, or […]

Mortgage Application Guide: What You Need to Apply for a Home Loan

One of the most tedious parts of home buying is gathering the right documentation, but prepping beforehand makes it that […]

A College Budget Guide for Ohio Students & Parents

Most people ask, “How much does college cost?”—that’s the first mistake. It’s not to say this question isn’t answerable, but […]

Best Practices for Using a Credit Card

5 Best Practices When Using a Credit Card By properly managing a credit card, you can earn rewards and build […]

Credit & FICO Scores: How to Get Good Credit

A credit score is a number that potential lenders will use to determine whether they should lend you money, how […]

Defining Interest: Types of Interest & How To Calculate

Interest plays a role in almost all aspects of personal finance, including savings, investing, credit, and loans. Interest is money […]

Check It Out

Still stashing money under beds, in ceiling tiles, or under floorboards? You may even use a safe to protect your […]

When You Can’t Afford Your Minimum Payments

It’s scary to find yourself in a situation where you can’t afford your monthly debt payments. Whether that’s due to […]

Getting a Car

When looking for a new car, you have three main options: buy used, buy new, or lease. There are pros […]

5 Reasons Why You May Want to Refinance Your Mortgage

Refinancing can be beneficial if everything lines up in your favor. What can you get out of it? The list […]

How to Manage Your Debt: Strategies & Tools

Even if you’re financially responsible, life’s unpredictable nature can sometimes catch you off guard, at times making it dangerously easy […]

What a Car Loan Costs

When shopping for a car, it’s usually best to start by shopping for a car loan. When you’re shopping for […]

Using Credit

It’s important to be aware of everything you’re agreeing to when using credit but, with careful planning, it can be […]

Leaving a Job with a 401k

When you leave a job with a 401(k), you’ll generally have four options for what to do with the money. […]

Moving Costs

Moving is a big undertaking, but planning a budget can help make it go as smoothly as possible. To start […]

Government Assistance

If you don’t make enough money to cover your basic expenses, there are safeguards in place to help you make […]

Job Benefits

There’s more to compensation than just getting paid. Chances are your salary will be your biggest concern when choosing a […]

When Times Get Tough

When emergencies and unexpected situations strike, it’s important to be prepared and make wise decisions. While tough times can vary, […]

Filling Out the FAFSA

The Free Application for Federal Student Aid (FAFSA) is an application for financial aid made up of scholarships and grants […]

To-Dos for Leaving a Job

Whatever your reasons for leaving a job, there are things you need to consider as you transition out of your […]

How To Manage Finances After Losing Your Job

Losing a job unexpectedly can leave you feeling unsure of what to do next. There are a few important steps […]

How to Prevent Identity Theft

The best way to prevent identity theft is to stay informed, aware, and on top of your finances. By taking […]

Tax Brackets and Statuses

How much you owe in federal income taxes is determined by many factors, but your tax bracket and status will […]

Paying Taxes

Many major life changes, such as buying a new home, changing jobs, getting promoted, started a business, having a child, […]

Checking Out Charities

Many people associate giving with charity, and donating money to help those who are in need. You can also make […]

Tax Planning

You can legitimately reduce the tax you owe by planning ahead. Retirement Account Contributions By keeping an eye on the […]

Completing a Return

Filing a tax return is a matter of following the line-by-line instructions that come with your tax form. Each form […]

Making a Down Payment

A lot goes into buying a home, but one of the biggest hurdles for many is saving enough for a […]

Meet Your 401(k)

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 […]

Critical Retirement Choices

The idea of retiring isn’t new. People who grew too old or too ill stopped working and stayed home long […]

How to Manage Your Investment Portfolio

As logical as it might seem to look for the perfect stock, bond, or mutual fund and make it your […]

Individual Retirement Accounts

Individual retirement accounts (IRAs) can look intimidating and cryptic when you begin planning for retirement, but there are some foundational […]

Disability Insurance

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

Auto insurance is not only often a legal requirement, it’s also absolutely vital to your financial health. The truth is […]

Insuring Your Home

Home Insurance is absolutely essential to protect what is likely your largest investment: your home. Buying a home is never […]

Renter’s Insurance

A renter’s insurance policy can help protect your personal property and yourself from liability for accidents that happen in your […]

Health Savings Accounts (HSA) & High Deductible Health Plans (HDHP) Explained

With a health savings account (HSA), you can set aside pretax income to pay for current or future health care, […]

Health Insurance

One of your biggest financial risks is confronting unexpected expenses that you can’t afford, no matter how careful you are […]

Health Insurance Options

Health insurance can help you pay for the medical expenses you and your family might encounter. In general, most health […]

Understanding the Mortgage Application Process

Applying for a mortgage is a big endeavor. Most lenders require you to complete a mortgage application—a comprehensive financial statement. […]

Buy vs. Rent: What’s Right for You?

There are some compelling reasons to buy real estate, but it’s not a clear-cut situation for everyone. Investing is like […]

Estimating College Expenses & How to Budget

One of the many mysteries of college, especially freshman year, is what being there is actually going to cost. Sure, […]

How to Repay Student Loans

Student loans account for a lot of personal debt and often seem too daunting to handle. Learn how to start […]

Emergency Fund: Why You Need One

An emergency fund is a financial safety net that everybody should have for life’s unforeseen challenges. One of the most […]

What To Consider When Choosing a Credit Card

Credit cards are useful tools but have their trade-offs. Learn more about how to handle them cautiously. Using a credit […]

Homeownership Made Easy: A Step-by-Step Home Buying Guide

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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