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  • Setting Yearly Financial Goals

    Setting Yearly Financial Goals

    The beginning of the year naturally puts many of us into a reflective headspace. We think back over memories we have made, accomplishments we have celebrated, and obstacles we have overcome. This is also the perfect time of year to reflect on our finances. Did we accomplish goals we set for last year? Did we…
  • What Is a Debt-to-Income Ratio?

    What Is a Debt-to-Income Ratio?

    What Does Debt-To-Income Mean?
    Debt-to-income is a ratio that weighs how much debt you have in relation to your gross monthly income. Lenders use this ratio when they are deciding whether or not to approve someone for credit. To calculate your DTI (debt-to-income) ratio, add up all your recurring debt (loans, credit cards,…
  • Reviewing Your Credit Report

    Reviewing Your Credit Report

    Your credit report is one of the most important pieces of your financial history. It shows prospective lenders what type of debt you already have, what loans you’ve applied for, and your repayment history. Sometimes errors can appear on your credit report and if they aren’t fixed, they can damage your financial health. Therefore, it’s…
  • What You Need to Know about Mail Theft

    What You Need to Know about Mail Theft

    Mail theft is a felony that occurs when someone attempts to steal or remove your mail. Mail thieves look for cash and checks, as well as personal information that can be used to commit identity theft. To avoid becoming a mail thief’s next victim, it is important to know what types of information they collect…
  • 5 Inexpensive Ways to Enjoy the Holidays

    5 Inexpensive Ways to Enjoy the Holidays

    It is already "that time of year" again. Holiday Season! It is so easy to get caught up in the commotion, the retail sales, and requests from family and friends, that we often overextend ourselves financially. It is important to set boundaries for yourself to get through the holidays and not bury yourself into more…
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