How To Use The Money Envelope System

If you’re like many of us, you’ve been trying to stick to a budget for a while, but by the time each month is over, you’ve busted your budget – again. Because of this recurring pattern, you’re probably wondering if there’s a better way. Fortunately, the answer is yes! The money envelope system has been […]

How To Fund An Emergency

Q: Help! I’ve been hit with a financial emergency and I don’t know how to pay for it! What are my options? A: Ideally, you’ll want to have an emergency fund in place for this very reason. If you don’t, or the money you have set aside isn’t enough, you have several options to consider.  We’ve […]

Mother’s Day On A Budget

Along with the blossoming flowers, the blazing sunshine and the tinkling bell of the ice cream truck come ideas and plans for celebrating Mother’s Day. Our moms are always there for us, as a sounding board, a virtual treasure trove of advice and to dote on us when we need a little pampering. Mother’s Day, […]

Rising Interest Rates

If you follow the national business news, you are likely getting mixed messages about the state of the economy. While never very reassuring, pundits’ opinions on the stock market and the country’s economic state are changing as frequently as the Ohio weather.  But there’s one area that’s been constant for some time now: rising interest […]

7 Ways to Spring Clean for Extra Cash

When that first delightful spring breeze starts blowing, you know it’s time to get your house in shape. The warmer weather and the brilliant sunshine pouring through your windows can fill you with boundless energy. You’re going to banish those dust bunnies! Every piece of useless clutter must go! You are on a mission to […]

Cryptocurrency Hacks

Cryptocurrency is all the rage. Money you can’t see? Online accounts that aren’t regulated by big banks or even the feds? It has a futuristic feel, and anyone and everyone seems to be buying into the trend. Lots of those folks who are buying up bitcoins by the hundreds claim cryptocurrency investment is the ticket […]

Return or Loan? Why Tax Refund is a 4 Letter Word.

Retailers across the country expect big sales for the first quarter of the year. They know this is the time of year when 75% of Americans get a big check in the mail courtesy of Uncle Sam. Nobody likes filing their taxes, but everyone likes getting a refund. It’s free money, right? Whoa … hold […]

Medical Identity Theft

Scammers never rest. Even when the government and financial institutions take added measures for protecting consumers against fraud, scammers are dreaming up new ways to con you out of your money – and your identity. In the latest wave of identity theft, scammers are cashing in on Medicare’s extra level of protection. In order to […]

Choosing an Equity Loan In A Rising Rates Environment

Q:  I’d like to take out a loan against my home’s equity, but I’ve heard that interest rates are expected to climb soon. What are the differences between a home equity line of credit (HELOC) and a typical home equity loan? How does an environment of rising interest rates impact each choice? A: It’s true […]

4 Home Improvement Projects with High Long-Term Return

When you’re making improvements to your home, you’re not just making your life better in the short term. You’re also making an investment in your future. Ideally, the increase in the value of your home will exceed the cost of the improvement. However, it seldom works out like that. The most efficient home improvements don’t […]