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HomeSearch results for 'savvy money minute'

Search Results for: savvy money minute

SavvyMoney Minute: How Using Credit Affects Your Credit Score

June 10, 2016June 9, 2022 SchoolsFirst FCU Credit & Debt credit, credit score, debt

You want to raise your credit score so you can get lower credit card interest rates, easier credit, even better job prospects? You need to understand “credit utilization.” It’s a simple ratio of how much credit you have versus how much you use, and it can make up to 20-30% of your credit score.

SavvyMoney Minute: Student Loan Debt

June 9, 2016June 9, 2022 SchoolsFirst FCU Credit & Debt, Family Matters college, debt, student loans

You probably know that student debt is a trillion dollar problem, but it doesn’t have to be a problem for you. The key is to borrow only what you can afford and pay it back fast and cheap. Here are Jean Chatzky’s favorite tips.

SavvyMoney Minute: Refinance Your Car Loan for Huge Savings

June 9, 2016June 9, 2022 SchoolsFirst FCU My Car auto, loan, refinancing

Mention the word “refinance” and you probably think mortgage. And paperwork and hassle. Yes, refinancing your mortgage can mean both. But refinancing your car loan, not necessarily. By reducing your interest rate, you could save on your monthly payment and over the life of your loan, save thousands. And it’s easy!

SavvyMoney Minute: Save for Something

May 18, 2016June 9, 2022 SchoolsFirst FCU Saving future, goals, saving

Saving money can be hard–unless you’re saving for something. Having a definite goal in mind gives you a better chance at success. Research shows that visualizing the benefits of saving makes people 25% more likely to save.

SavvyMoney Minute : Personal Finance is More Personal than Finance

May 15, 2016June 9, 2022 SchoolsFirst FCU Saving, Spending finances, saving, spending

Should you buy, or rent? Pay off debt, or build an emergency fund? The trouble with money questions is the answer usually is, “It depends.” Because personal finance is more personal than finance. Here are three techniques for making good decisions.

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SavvyMoney Minute: Hope is Not an Investment Strategy

May 15, 2016June 9, 2022 SchoolsFirst FCU Investing, Saving, Spending investing, retirement, saving

It’s nice to think of the glass half full, but not necessarily when it comes to money. When you’re overly optimistic, it’s easy to convince yourself it will all be okay. But complacency leaves to inaction, and your financial future depends on you taking the right steps, right now. Here are three steps you can […]

SavvyMoney Minute: Fool Yourself into Saving More

May 15, 2016June 9, 2022 SchoolsFirst FCU Saving budgeting, saving, spending

If you can’t see it, and you can’t touch it, you won’t spend it. Why is saving money so tough? Because it means putting aside resources for tomorrow that you’re tempted to use today. And your brain, wired to hunt and gather right now, doesn’t like that. The solution? Mind games.

SavvyMoney Minute: Don’t Shop Angry, Hungry or Sad

May 8, 2016June 9, 2022 SchoolsFirst FCU Spending impulse buying, shopping, spending

Impulse buying: We’ve all done it. In fact, the average person will spend $114,000 on impulse purchases over their lifetime. How can you avoid that fate? Skip these three shopping sins.

SavvyMoney Minute: Financial Check-up

April 15, 2016June 9, 2022 SchoolsFirst FCU Saving, Spending debt, retirement, saving

Once a year you go the doctor for a check-up. Twice a year you visit the dentist for a cleaning. But when was the last time you had a financial physical? Without one, you may not know if you’re financially healthy. Do you have too much debt? Are you saving enough for retirement?

SavvyMoney Minute: Save on Auto and Home Insurance

April 15, 2016June 9, 2022 SchoolsFirst FCU My Car, My Home, Protecting auto, home, insurance

  Paying too much for your auto or homeowners insurance? If you haven’t shopped around recently, the answer is probably, “Yes.” One reason? Insurance sends you a bill, and you pay it. That’s costing you. Here’s how to see if other insurers can do better.

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