Handling finances doesn’t require an MBA. There are basic skills that make you a savvy financial manager. This section contains a group of articles that cover money management topics everyone should know. Topic #1: Cash Flow – otherwise known as your BUDGET = Income vs. Expenses What is your income? Start with your take-home pay. If you get the same paycheck each period, … [Read more...] about Money Management 101
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Where to Find Help Paying for Housing
Learning to navigate confusing systems while also trying to cope with change can be hard, but asking for help is not only OK—it is a sign of strength. Our society often doesn’t make it easy and is quick to judge, but a lot of people need help and a lot of people want to help. You are not alone. Each new challenge you conquer will make you stronger and, in the long run, will … [Read more...] about Where to Find Help Paying for Housing
An Insider’s Guide to Your Credit Rating
Your credit rating comes from many sources—for example, from companies that have rented or leased goods or services, your bank, your landlord, and most often from a credit report. The most important elements of your credit rating are your Credit Report and your Credit Score. We will briefly explain both of these to you and point you to sources where you can learn more. The most … [Read more...] about An Insider’s Guide to Your Credit Rating
What to Consider When Choosing Cable, Internet, and Phone
Living in the 21st century, instant communication is easier than ever before. Yet with increased availability comes increased anxieties, especially with the cost of communication being so high. When weighing your cable, internet, and television options, the following tips may be useful. Cable The price of cable has been rising at four times the inflation rate, putting the … [Read more...] about What to Consider When Choosing Cable, Internet, and Phone
Tips for Furnishing Your Home
Finding a home and making it your own can be one of the most rewarding—or stressful!—accomplishments. When you have young children, keep in mind that sturdier, more durable items will withstand some wear and tear. While there are many places to buy new furniture for your home or baby’s use, there are also some great places to take advantage of gently used … [Read more...] about Tips for Furnishing Your Home
6 Tips to Save on Maternity Clothing
Dressing Your Growing Belly: With a multitude of online resources, dressing baby can seem like a breeze. But what about dressing a pregnant belly? Expectant mothers often face the challenge of finding clothing for their ever-changing bodies that are appropriate for the workplace. Where to Buy Maternity Clothes without Breaking the Bank: Thrift Stores: Yes, you … [Read more...] about 6 Tips to Save on Maternity Clothing
Tips for Buying Your First Home
Thinking about buying your first home? Here are some information and good sources to look to when preparing to purchase a home. Owning a home may or may not be the right choice for you, but if it is a goal, with careful planning, a lot of patience, and good advisers, it’s a very achievable dream! When Planning to Buy Your First Home: Figure out how much you can afford: … [Read more...] about Tips for Buying Your First Home
10 Ways to Save on Monthly Expenses
While rent or a mortgage payment is often the biggest expense a household may have, utilities can be a significant expense as well. These can include gas, electric, water, and trash removal. Some of these costs may be included in rent, so check with your landlord. While trash removal is usually a set monthly cost, other utilities are based on your usage. Utility companies … [Read more...] about 10 Ways to Save on Monthly Expenses