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Why September is one of the best times of year to buy a car

September may be one of the best times of year to buy a car. Labor Day promotions, the end of the third quarter, and changing model-year inventory can create opportunities for buyers.  But timing is only part of getting a good deal when financing a car. Preparing your credit and comparing auto financing options can […]

5 best HELOC uses that are outside the box

Most people think of a home equity line of credit (HELOC) as a tool for big, planned expenses like home improvements, paying down debt or covering college costs.  Those are all smart uses. But if you’ve built meaningful equity in your home, you may have more flexibility to use HELOC funds than you realize.  While you can technically use a HELOC for almost anything, that doesn’t mean you should. […]

The best way to build credit when you don’t need to borrow money

You’ve done the hard part. You’ve built up savings, organized your credit union or bank accounts and created some financial stability.  But there’s one piece missing: your credit history.  If you’ve never used credit before, it can feel like a catch-22: You need credit history to qualify for credit cards or loans — but you need credit cards or loans to start building credit history in the first place.  But if you’ve already been investing in your financial health, you’re in a […]

Top 5 mistakes that can derail your mortgage application

You’ve found the house. You’re ready to apply for a mortgage. Everything seems to be moving forward — until your lender quickly needs additional documents, delays closing or tells you that something in your financial situation isn’t adding up.  Situations like this are more common than many buyers expect.  If you’re still early in your real estate journey, and especially if you’re a first-time homebuyer, start by making sure you understand mortgages and the steps to buying a house. This […]

How much mortgage can I afford?

Buying your first home is exciting — and a little intimidating. You might already have a sense of what homes cost in the area you’re hoping to buy in, what you’re currently spending on housing and even current mortgage rates, but translating that information into a monthly mortgage payment you can afford can feel like a leap.  The good news: […]

12 things our financial experts wish they knew in high school

When you’re a teenager, money is usually earned through part-time jobs, allowance, or the occasional birthday check. Even though the cashflow may be limited, it’s important to remember that the financial habits you start now can shape your entire future.   That’s why we asked our team of experts to share the financial advice for […]

A guide to nomadic living: How to finance #vanlife

The dream of van life beckons thousands every year, with promises of freedom, adventure and a minimalist lifestyle. For many, the journey begins not on a remote highway, but on a spreadsheet or with a conversation at a financial institution. Financing van life involves more than just securing a vehicle — it requires careful planning […]

Is it smart to consolidate credit card debt?

When you’re juggling multiple credit cards and trying to keep up with minimum monthly payments, it can feel like you’re getting nowhere. That’s why many people consider consolidating their credit card debt — combining several balances into one payment with the potential for a lower interest rate and a clearer path forward.  But is it […]

How to negotiate at the car dealership

  Buying a car is one of the biggest financial decisions most people make. Yet, many car buyers walk into the dealership unprepared to negotiate the price. With a little preparation and a solid understanding of the car-buying process, you can walk away with a good deal. Here’s how to confidently negotiate at the car […]

Unexpected expenses in your first year of homeownership

Becoming a homeowner is a significant and exciting financial milestone, marking the start of a new chapter in your life. Along with the joys of homeownership comes the responsibility of managing the costs associated with maintaining your home and ensuring its long-term value. A key aspect of managing your finances as a new homeowner is […]