As the holidays approach, gift cards remain a popular gift option, but they’re also a target for scammers. These fraudsters use tactics like phishing and tampering with physical gift cards to steal funds before they can be used. To protect yourself and your loved ones this season, it’s important to stay aware of these risks.
Having a well-stocked emergency fund is important. But so is saving for retirement. So how do you know which one to focus on? Well, we’ve got you covered. Here’s what you should know.
Halloween is a time for spooky fun, but it can also bring a scare to your wallet if you're not careful. From costumes to decorations and treats, the costs can add up quickly. Here’s how to manage your Halloween budget and keep your spending under control while still enjoying the festivities.
Now is the moment to turn your attention to your tax obligations. With less than 60 days remaining until the tax deadline now is a good time to prepare your documents and file.
Need a smart strategy to save on essential school supplies? Planning your dream vacation or gearing up for the holiday season? With a club account, you can save for essential school supplies, exciting vacations, and joyful holiday celebrations, making your financial goals more attainable and stress-free.
Will there be a sweet tax refund check coming your way? Even though you may be excited about this lump sum of cash hitting your banking accounts, consider your options before going on a shopping spree. If you use this money to your advantage, you could improve your finances for long-term benefits. Here are some smart ways to spend your tax refund:
How about making an extra payment on one of your credit cards? You could save money on interest by sending extra toward your credit card that has the highest percentage rate. If you pay extra to your credit card that has the lowest balance, you can reduce or eliminate your future monthly bills to that credit card.
If you’re a homeowner, is there something needing repair or replacement in your home? Investing your refund into your home might increase the resale value of your home, and will certainly make it more comfortable to live in.
Do you have older appliances in your home? Consider replacing your older dishwasher, washing machine, refrigerator, etc. before they break down. Newer models are much more energy efficient and will save you money on electricity and water in the long run. Some upgraded appliances may also increase the resale value of your home!
What about YOU? Is there something you’ve been wanting to learn that could help you personally or professionally? You could use your refund to purchase a course, online seminar, or books that could help. Maybe you’d like to work with a personal, business, or career coach to help you reach your goals.
As much fun as it might be to spend your refund…consider putting it into a savings account or CD. You can earn interest and save up for unexpected emergency expenses in the future or something fun like a family vacation!