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Why Automatic Savings Plans Work

March 21st 2017 by
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According to a Gallup poll, nearly two thirds of Americans prefer saving to spending. The gap between spenders and savers has been getting wider since the 2008 economic collapse, and now it’s at an all-time high. But Americans aren’t good at saving. US News reported that 70% have less than $1,000 saved. So what’s the trick to get into that 30%? Making savings an automatic process rather than a manual one. You can ask your employer to divide up where your paycheck goes. The majority would go to the checking account you use to pay bills, but a percentage can…

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Are You Part of the Credit Invisibles or Unscoreables?

March 9th 2017 by
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If you do not have any credit history with one of the credit reporting companies (Equifax, Experian, TransUnion), you’re considered to be “credit invisible.” The Consumer Financial Protection Bureau estimates about 26 million people fall into that category, which comes out to one in ten adults. Then there are people with little or insufficient credit history, which comes to about 19 million. These people are considered “credit unscoreable.” Together, that’s 45 million people who may not have access to the credit they need, or about 20% of the adult population. How Credit Reports Work You aren’t finished with report cards after…

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It Costs How Much To Get Married!?

March 7th 2017 by
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According to a new report by a leading wedding magazine, The Knot, the average American wedding cost has eclipsed $35,000. That’s more than half of the yearly median income! Most of that spending isn’t on lavish luxuries for bride and groom – it comes from the guest list. Couples are inviting more people and doing more for them, trying to create an unforgettable experience for their loved ones. If you’ve got an event planned for the coming year, read on. Your bill doesn’t need to be that extreme. Here are five ways to save on the cost of your big…

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Boost Your Mobile Banking with These 5 Apps

March 2nd 2017 by
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Mobile banking can make life easier with convenient features like mobile check deposit. You can take your digital banking to the next level by downloading personal finance apps. Gone are the days of time-consuming planning and paper cluttering your desk! Level Money This app connects with your bank account and provides a suggested daily, weekly and monthly spending limit. The app bases its suggestion off of your income and recurring bills, and will incorporate a savings plan as well. LearnVest This app can act as your virtual checkbook. You can link all your accounts together to track spending and input…

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Is Your Savings Account Actually Helping You?

March 1st 2017 by
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Savings accounts are one of those things you can easily forget you have. Sure, you might deposit some birthday money in there once a year, or maybe even some of your tax refund, but for the most part it just sits there. It’s also easy to get caught up in other savings vessels: your 401(k), IRAs, Health Savings Accounts (HSAs), etc. While these are all important components of your overall financial plan, that doesn’t mean your savings account should collect dust. Easily Accessible Funds when You Need Them When you’re looking to save, you’re typically looking to invest your money…

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