Financial Fundamentals Blog

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.

Don’t be Fooled by Deferred Interest

  • Francesca Sacco
Using a credit card may sound like a smart way to finance a large purchase, but if you’re not careful, you may be falling into a debt trap. Most retailers offer store-branded, deferred interest credit cards to appeal to buyers, but few consumers are aware of the pitfalls of deferred interest.

Budget-Friendly Valentine’s Day Ideas

  • Francesca Sacco
Valentine’s Day is fast approaching, and with it, the reminder that you should shower your loved ones with lavish gifts. But expressing your love doesn’t mean emptying your wallet. You can still make romantic or thoughtful gestures without breaking the bank.

How to host a Super Bowl party for less

  • Francesca Sacco
You don’t have to spend a small fortune to enjoy the National Football League’s biggest event of the year! Whether you’re staying home or plan to host your family and friends, we’ve compiled a list of tips to help you save!

Start the New Year with a Clean Financial Slate

  • Francesca Sacco
January is right around the corner, and the New Year is the perfect time to focus on your goals. Make 2020 the year you address your financial goals. Regardless if you want to save more, improve your credit score or pay down debt, we’ve compiled a list of tips to help you start the New Year with a clean financial slate.

Money myths and how they can cost you

  • Francesca Sacco
Everyone learns about money differently. Some people take classes, others rely on advice from family and friends and even more people learn from personal experiences. But following poor advice can end up costing you money and have negative implications on your credit score. Before you follow a misconception about money, check our list of debunked money myths.

Tips for Relief from Financial Stress

  • Francesca Sacco
78% of Americans are living paycheck to paycheck. Watching your bank account dwindle while the bills pile up can take a hefty toll on all aspects of your life. Before you let financial stress consume you, check out these tips for relief.

Tips to Prepare your Budget for the Holiday Season

  • Francesca Sacco
The holidays are right around the corner, and for some, that means added stress about finances. With less than 90 days until Christmas, there’s still time to start planning so you can worry less and focus on what really matters.