Resource Center - Budgeting

Choose from the resource categories below to discover and learn more about personal finance across the topics of budgeting, debt, income, insurance, investing, and retirement.

How To Budget For Back-To-School

It seems hard to believe, but it’s back to school time.  It seems like we were just putting the finishing touches on our summer vacation plans and signing up our children for camp.  Air conditioners are still running on full blast and it’s only August, but the reality is that school time is here.... Read More >>>

4 Big Money Saving Tips For Families

The average American family of four has an enormous number of expenses throughout the course of a year.  From grocery shopping to extracurricular activities to necessities such as utilities and mortgages, a lot of families just do what they can to keep their heads above water.... Read More >>>

Getting Your Budget Back On Track

There are times in life that we are going to go over budget a little.  When the overage is small, it’s easy to reign the spending in and resume on your plan the following week or month.  But when you go over budget by a significant amount due to egregious overspending, it is time for some real controls to be put into place.... Read More >>>

4 Steps To Creating A Retirement Budget

A great way to position yourself financially in the years ahead is to begin with a budget so you can properly calculate how much money you will need in retirement.  Alarming studies show that only 1 in 10 Americans understand the level of savings needed to retire and maintain their current standard of living.  Additionally, only 14 percent of Americans are confident that they’ll have enough to live on when they retire. You do not want to be one of the scary statistics that are out there as illus... Read More >>>

Budgeting Tips For The Holiday Season

While it may seem like you’re just paying off that last bill from the previous holiday season, here we go again.  Thanksgiving will be upon us in just less than a week, followed of course by “Black Friday,” and then the newest sale day on the block, “Cyber Monday.”  It’s almost the proverbial “perfect storm” for spending- one that can put a huge dent in your wallet if you’re not cautious.  In fact, according to a survey done by the National Retail Federation in October of this year, the average... Read More >>>

How to Budget Successfully

It's one thing to sit down and decide you need to budget and another to execute it Most people realize that, even though they don't successfully manage to budget. Many will even sit down look at their expenses and bills and come up with the ideal budget that allows them to continue to spend money on the things most important to them or that sets goals that just can't be achieve. The key to really being successful at budgeting is to take a multi-step approach to budgeting and to stop making budge... Read More >>>

Learn to Embrace a Frugal Lifestyle

When you hear the word frugal, what do you think about? Often the first definition that comes to mind is someone who does not like to spend money. Many people associate the word frugal with the extreme cases of people who rarely spend money and make extreme sacrifices in order to protect their assets. In reality being frugal is managing your resources and making careful, planned purchases. This means that a frugal person is careful with his money, but it does not mean that he does not do the thi... Read More >>>

Should I Borrow Money to Help Out My Parents?

It can be an awkward situation when your parents ask for your help. It may be something that happened to them that is entirely out of their control, or it may be as a result of poor financial decisions. When you feel like it is the right thing to do, you may want to help your parents out by giving them money or helping with a few bills. However, if your parents want you to borrow money to help them or they want you to cosign on a loan, you may want to tell them no and find a different way to hel... Read More >>>

How To Check Your Credit Report

You should check your credit report annually. This is an easy process that does not take much time, and it can help you to catch identity theft. If you have become a victim of identity theft, you should check your report more often. You are entitled to check your credit report from each of three credit bureaus one each year for free.... Read More >>>

Before You Open a Bank Account

You may be considering opening a new bank account for many reasons. This may be your first checking account or you may be moving to a new area and so you need to find a new bank. In addition to traditional banks, you may want to consider switching to an online only bank. Here are five things you should consider before you open your banking account.... Read More >>>