Category Archives: Money

Are there any 5% Interest Savings Accounts or Was That Just in The Olden Days?

In January my employer set up a 403(b) program for our company. The 403(b) is the 401(k) version for non-profit agencies. Previously we’ve only had a profit sharing program which was employer funded only. Sadly, there was only one contribution made into the profit sharing program for over two decades so I am vested for a very low amount. After twenty years of service… I am fully vested for just around $2K. Our CEO recently retired and since the program… Read the rest
Cutting Credit Card

7 Habits to Keep You Financially Secure

Keeping your finances on track and setting yourself up for a safe retirement requires proper financial habits. If you’re looking for ways to pad your wallet, cover the rising costs of life’s necessities, and help reach your financial goals, incorporate the following 7 tips into your daily life. 1. Create a Budget and Stick to It It’s important to live within your means—but how do you define “your means”? By setting a budget based on your expenses. Determine your after-tax… Read the rest

5 Ways to Get Money Without Credit

Trying to get money without credit can be frustrating. But you should never be worried. Lack of credit is a common experience that does not mean one is helpless. It is possible to get money without credit, and here’s how: 1. Obtain a Peer to Peer Loan You can use a peer to peer website to get a personal loan from another individual. However, you will need to prove that you are trustworthy. As a borrower, you will be required… Read the rest

Diversifying Financial Portfolios to Guard Against Risk

One thing we all can agree on is that nobody likes to be in debt. The anxiety and uncertainty that debt-fueled behavior causes is simply not worth it. There are many ways to guard against debt, or at least to minimize the effects of debt. These include establishing a well thought out budget, minimizing extraneous expenses, or eliminating them entirely. Most of us are on fixed income streams, in the form of wages or a salary. While it is difficult… Read the rest