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Debt Management
Making a plan for paying off debt starts by organizing your debt based on interest rate, terms, any tax benefits and other criteria. Debt management can help you figure out which debt to focus on first and how to lower what you pay in interest.
Here's What You Should Know About Loans in a High Interest Rate Environment
Interest rates in the U.S. have steadily risen since early 2022. If you are thinking about taking out a loan or opening a new line of credit, be aware of the impact of high interest rates. When the Fed raises or lowers these rates it influences what banks and other financial institutions charge for the consumer loans and credit products they offer. That in turn can make borrowing more expensive.
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To Consolidate or Not To Consolidate Your Student Loan
If you are paying off a student loan, chances are that debt management should be a top priority of your financial plan. So consider devising a monthly budget that allows you to pay your debt off as quickly as possible. Expenses fall under two categories: non-discretionary and discretionary.
Strategies for Refinancing in a Low Interest Environment
Consider these strategies for refinancing during a low interest environment.
What Veterans Need to Know About Financial Planning
Take the following three-step approach to what all military veterans need to know about creating a financial plan to accomplish your goals.
Debunking 'All Debt is Bad' and Other Common Myths
Not all debt is bad. Consider a few situations when debt can help improve your overall financial situation.
Building Credit 101
Good credit is an important aspect of life’s major decisions: it's required to obtain loans, keep low interest rates on credit cards and purchase a home or car.
Buying a Second Home as an Investment
Many of us dream about someday buying a second home as an investment—possibly for family vacations as well, but be sure to know what you're signing up for.
Why Most Budgets Fail
Learn why most budgets are about as successful as crash diets, and get 5 tips to ensure that you can create a realistic budget to reach your goals.
Financial Tips for Supporting Adult Children
While there isn’t a one-plan-fits-all, these simple tips can help you launch your kids out of the nest and into financial independence.
Financial Resolutions for Retirees
Here are some great time-spending resolutions for retirees that can add to, rather than subtract from, your financial security.
7 Psychology Tips to Improve Your Financial Life
Use these seven principles of psychology to help improve your financial health. These concepts will help identify why you treat money as you do.