Financial Fundamentals Blog

How to make a budget for holiday spending

  • Francesca Sacco
The holidays are right around the corner, and while its’s a joyous time filled with family and friends, the holidays can also be expensive. Gifts, traveling and entertaining can certainly take a toll on your wallet.

Should I Get My Car Loan Through a Credit Union or a Bank?

  • Francesca Sacco
 

How Much Do I Need to Save To Retire? (+ Calculator)

  • Francesca Sacco
  For many individuals and households, the ultimate financial goal is saving for retirement and achieving financial security by building net worth throughout your working years.   But when planning out your finances years and decades into the future, it’s difficult to account for every variable you might face. From medical...

Financial benefits of working from home

  • Francesca Sacco
While the country returns to normal following the height of the pandemic, many people are still finding themselves working from home. It’s not surprising to learn that working from home can be very different from working in the office. There are new complications.

How Debt Consolidation Affects Your Credit

  • Francesca Sacco
  When you find yourself swamped with debt and facing large monthly payments across multiple accounts, debt consolidation can become an attractive option to create short-term financial relief while also making a long-term plan for debt repayment.   Depending on how you approach debt consolidation, though, this financial relief...

6 Advantages Credit Unions Have over Banks, and Why You Should Join One

  • Francesca Sacco
 

Impulse buying: What it is and how to stop it

  • Francesca Sacco
We’ve all fallen for the temporary excitement of an impulse buy. Something catches your eye at the store or while you’re scrolling online and the next thing you know, it’s in your cart or on its way to your house.

Key Differences Between Credit Unions and Banks

  • Francesca Sacco
If you’ve never been a member of a credit union before, you might have questions about how these financial institutions differ from traditional banks and whether or not they offer the same services as for-profit banks.

How Credit Scores Are Determined and Why They Matter

  • Francesca Sacco
  You might not think about credit scores much in your day-to-day life — and if you’re just getting started managing your own money, you might have no idea what your credit score even is.    But while this number might reside beyond your line of sight, it can have huge implications for your short-term finances, and it could...

IRA Guide: How to Evaluate Different IRA Options for Retirement

  • Francesca Sacco
  Individual retirement accounts (IRAs) are a financial vehicle designed to help American workers save for their retirement. While these accounts are just one type of investment and savings solution that can be used to achieve retirement goals, they’re an important fixture for many consumers. IRAs come in a few different shapes...

Should I Consolidate my Debt?

  • Francesca Sacco
Are you struggling with debt and considering debt consolidation? Before you take out a consolidation loan, make sure it’s the right choice for you.

Features to consider when opening a new checking account

  • Francesca Sacco
There are thousands of banks and credit unions in the United States, and each offers a variety of checking accounts with different features and fees. If you’re in the market for a new checking account, be sure to do your research before making your choice. We’ve compiled a list of the best features to consider when opening a new checking account.