Preparing Your Teen for a Credit Card
Updated: Sept. 7 2023 One thing we could all do with is a little more knowledge about credit and … Read more
How to Lower Electric Bill & Gas Bill?
A higher than expected natural gas bill is not the kind of surprise you enjoy getting in the mail. It’s … Read more
Refer a Friend to Emery!
Earning $25 now and $25 later is easy as 1-2-3! For every friend, family member, or colleague you refer to … Read more
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 … Read more
What is Net Worth?
A lot of people think that net worth is a fancy way of saying how much money someone has, but … Read more
Wedding Planning in 2022
How to Save Money Wedding Planning in 2022 If you are planning a wedding this year, it could be challenging. … Read more
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 … Read more
Budgeting
A practical, workable budget is one of the most crucial tools in your financial wellness arsenal. Starting Points Your budget … Read more
Envelope Budgeting
While traditional envelope budgeting may feel a little extreme, there are plenty of ways to make the philosophy behind it … Read more
50/30/20 Rule
The 50/30/20 rule is a simple, practical rule of thumb for individuals who want a budget that’s easy and effective. … Read more
Talking to Your Partner About Money
When it comes to talking with a spouse or partner about money, many people shy away. It can be scary—but … Read more
3 Jar Allowance for Kids
The sooner you teach your children the basics about budgeting, the better, and the 3 jar money system is a … Read more
Savings Accounts
If you’re building an emergency fund, saving for a big purchase, or getting money together to invest, using an insured … Read more
Income and Expenses
Making and spending money is a part of everyday financial life. Managing your money successfully relies on figuring out your … Read more
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 … Read more
Opening Your First Account
Opening an account at a bank or credit union is the first step toward owning your personal finances. Best of … Read more
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 … Read more
Avoiding Inappropriate Investments
If a deal seems too good to be true, it probably is. You’ll need to keep your eyes open and … Read more
Mobile Banking
Mobile banking provides a convenient, safe way to access your funds when you’re unable to visit a branch. What is … Read more
Recognizing and Avoiding Scams
Con artists cheat Americans out of billions of dollars every year. Recognizing red flags for potential scams can help protect … Read more
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 … Read more
Cybersecurity
While it’s likely that you access the internet nearly every single day, that doesn’t mean that you can let your … Read more
Is the Money in My Account Safe?
Keeping money safe is important to everyone. Thanks to the FDIC and NCUA, your financial institution is probably the safest … Read more
8 Tips to Reduce Your Food Bill
Buying food is essential, but if you’re not careful, it can also eat into your budget. We’ve all given into … Read more
Certificate of Deposit
If you’re willing to wait, a CD can be a great way to earn a high interest rate on the … Read more
What is Inflation?
Inflation measures how much prices rise over time. When prices rise, the value of a dollar falls and your purchasing … Read more
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 … Read more
The Upside of Frugality
Frugal living discussions often talk about pinching pennies or “stretching a dollar.” A penny saved is a penny earned, or … Read more
Money Market Accounts
There are many options for keeping your money safe and earning a little extra from interest. Like a savings account … Read more
Quality vs Cost
Whether you’re standing in front of a shelf at the grocery store, shopping online, or even walking around a car … Read more
Interest
Interest plays a role in almost all aspects of personal finance, including savings, investing, credit, and loans. Interest is money … Read more
Check It Out
Still stashing money under beds, in ceiling tiles, or under floorboards? You may even use a safe to protect your … Read more
Reasons to Refinance Your Mortgage
Refinancing can be beneficial if everything lines up in your favor. What can you get out of it? The list … Read more
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. … Read more
Dealing with Illness
Keep your fingers on the pulse of your financial health. Serious sickness can strike both suddenly and unexpectedly. And its … Read more
Preparing for a Baby
Are you adding a child to your family? Congratulations! Whether it be through birth or adoption, parenthood is a fulfilling … Read more
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 … Read more
Out of Work?
Losing a job unexpectedly can leave you feeling unsure of what to do next. There are a few important steps … Read more
Tax Planning
You can legitimately reduce the tax you owe by planning ahead. Retirement Account Contributions By keeping an eye on the … Read more
Making a Down Payment
A lot goes into buying a home, but one of the biggest hurdles for many is saving enough for a … Read more
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 … Read more
Divorce and Retirement Savings
Fairly dividing retirement savings between both partners in a divorce can make a huge difference in their future financial stability. … Read more
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 … Read more
Teaching Children About Money
Whether to your own children, grandchildren, and nieces and nephews or the child of a close friend, one of the … Read more