Tag: budgeting
Financial Education for Kids: Simple Ways to Teach Money Management
June 25th, 2025
It’s never too soon to introduce financial education for kids. Preparing your children for a bright financial future when they are young is a great way to ensure they have a good grasp on finances, including the importance of savings and budgets throughout their lives. Essential Money Principles f...
Crush Your Debt and Boost Your Credit: 5 Strategies for Lasting Financial Health
June 11th, 2025
Excessive debt is a sure way to harm your credit score…and fast. The impact of carrying a high amount of debt can wreak havoc on your financial health and affect everything from your day-to-day lifestyle to your long-term goals. Lenders prefer to have debt below 30% for optimal interest rates, so ...
Reimagine Your Savings: 4 Unconventional Ways to Reframe Your Financial Habits
May 14th, 2025
How many times have you gotten off an e-commerce platform or home from shopping and felt buyer’s remorse? The barrage of television and online advertisements encourages us to make purchases we do not necessarily need instead of putting that money into a savings account. Ending impulse buys and the...
Paying for College: Financial Tips and Resources for Every Type of Student
April 30th, 2025
College costs today can vary widely from school to school, and can also extend well beyond just tuition and books. From high-tech laptops and pricey college dorms to transportation to get to school and supplies for class, a clear plan for paying for college expenses is crucial to being able to affor...
Debit Card vs Credit Card: The Smarter Choice for Young Adults
April 21st, 2025
The decisions young adults make concerning debit card vs credit card usage have a profound effect on their financial well-being. Using a credit card to pay for essential and non-essential purchases can provide benefits such as increasing credit scores. By that same token, maxing out a credit card’...
Embracing Financial Independence: A Guide for Young Adults
February 5th, 2025
As a young adult, you should learn to effectively manage your money and work on a path to financial independence. This means that you should soon be able to afford everything you need without having to depend on your parents or someone else. Embracing financial independence means taking charge of yo...
5 Easy Ways to Rebuild Your Emergency Fund
January 23rd, 2025
If you have had a situation recently where your emergency fund was there to help you get through a temporary financial crisis, you are now probably looking for some smart money moves to help you replenish the important fund. While having to spend your savings on unexpected expenses is not ideal, itâ...
Homeownership: Beyond the Down Payment—Understanding the True Costs
November 6th, 2024
Buying a home is a huge milestone in our lives and is the largest purchase most of us will ever make. It is important for those who are interested in homeownership to understand the benefits of buying a home versus renting and what a smart investment this decision is for your future. It is also [&he...
How to Build Credit in 6 Simple Steps
October 9th, 2024
Whether you’re new to the world of finances and need to learn how to build credit without a credit history, or you’ve made some mistakes and are dealing with a low credit score, you may find yourself wondering how to increase your credit score. There are six steps you can take to learn how t...
Loud Budgeting Explained: Master Your Finances with Members Plus
September 25th, 2024
What Is Loud Budgeting? There is a new technique being used today called loud budgeting that allows you to take a proactive and transparent approach to money management. This out loud approach is unique and encourages people to engage in money conversations about spending, saving, investing, and mor...