EDUCATION

Credit Report & Score

A credit report is a timeline of everything that has occurred from the moment you first used your credit. The information in your credit report is then compiled to formulate your credit score.

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Establishing Credit

Having a good credit score opens the door for loans, home mortgages, renting a home, increasing a line of credit, and of course, opening a new credit line.

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Monitoring Credit

Consumers are encouraged to monitor their credit frequently and check their report at least twice a year. With identity theft being prevalent in our society, it is important to know what and who is accessing your credit report.

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Credit Report & Score

A credit report is a timeline of everything that has occurred from the moment you first used your credit. The information in your credit report is then compiled to formulate your credit score.

READ MORE

Establishing Credit

Having a good credit score opens the door for loans, home mortgages, renting a home, increasing a line of credit, and of course, opening a new credit line.

READ MORE

Monitoring Credit

Consumers are encouraged to monitor their credit frequently and check their report at least twice a year. With identity theft being prevalent in our society, it is important to know what and who is accessing your credit report.

READ MORE

FINANCIAL PLANNING

Saving

Savings can help you achieve any financial goal. Whether it’s a comfortable retirement, a down payment for a house, or a new car or stereo, you can get there by setting money aside. And best of all, you can have what you want without getting bogged down in debt.

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Investing

We do not know what the future holds in store for us. Consider the state of our economy and our current governmental status. Investing affords us an opportunity to secure a certain level of comfort in our future.

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Retirement

Plan ahead. There’s no better time than right now to plan for your retirement. Saving for retirement often gets put off as we deal with life’s more pressing demands – marriage, house, children – but each month you delay cuts significantly into the total savings you have when that day comes.

READ MORE

FINANCIAL PLANNING

Saving

Savings can help you achieve any financial goal. Whether it’s a comfortable retirement, a down payment for a house, or a new car or stereo, you can get there by setting money aside. And best of all, you can have what you want without getting bogged down in debt.

READ MORE

Investing

We do not know what the future holds in store for us. Consider the state of our economy and our current governmental status. Investing affords us an opportunity to secure a certain level of comfort in our future.

READ MORE

Retirement

Plan ahead. There’s no better time than right now to plan for your retirement. Saving for retirement often gets put off as we deal with life’s more pressing demands – marriage, house, children – but each month you delay cuts significantly into the total savings you have when that day comes.

READ MORE

HOW TO BUDGET

Set Goals

What does setting goals have to do with budgeting? Setting goals gives you a tangible asset to strive for and makes budgeting that much easier.

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Determine Income

A common mistake that is made when making a budget is not including ALL of the household income.

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Create a Plan

When making a budget, it is essential to have a plan. Your plan is what will determine the success or failure of your budget.

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Track Spending

Continue to review your budget and track your spending habits. In this day and age of technology, there are many apps and websites you can download to assist you in doing so.

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