budget, credit, vacation

Holiday Shopping and Saving Tips

November 25, 2019

The holidays can be relaxing and enjoyable as you share time with family and friends; but they may also be stressful for those trying to stretch their budget to cover related holiday costs ranging from meals to decorations, gifts and travel. For those worried about holiday spending, there are many ways to control expenses, including spreading them over a longer period of time and shopping sales throughout the year. Another option is to save a little extra money each month, so you can enjoy shopping during the holiday season.

budget, credit, education, scholarship

Talking Money With Your Kids: Affording College

November 22, 2019

Attending a college or university has consistently grown in importance in the U.S. for decades. Research study after study validates the life earnings advantage (along with other advantages) of receiving a college degree. While the benefits of a college degree are known, these benefits are offset by the ever-increasing costs of pursuing a post-high school education. The costs for college can be extremely daunting for both would-be students and their parents; still, families pay for college in a variety of ways, often making significant personal sacrifices to make higher education a reality for their children.

budget, investment, retirement

Talking Money With Your Parents: The Will

November 15, 2019

Over the course of our lives there are many conversations that children have with their parents that can be difficult for both of them, but are important, and these discussions often strongly affect their lives, both in the present and for the future. One key conversation that sometimes is avoided until it is too late is talking about a parent's will.

security

Learning Cybersecurity Basics

October 24, 2019

Did you know that every October is National Cybersecurity Awareness Month (NCSAM)? NCSAM is a collaborative effort between the federal government and U.S. industry to raise awareness about the importance of cybersecurity and to help ensure that all Americans have information they may use to be more knowledgeable and more secure online. This year NCSAM is emphasizing personal accountability and stressing the importance of taking proactive steps to enhance cybersecurity at home and in the workplace.

budget, insurance, investment, vehicles

Protecting the Investment in Your Car

October 15, 2019

If you're concerned about being able to pay for future repairs for your aging car, there are several options you may want to research and then decide if they're appropriate for you. We'll touch briefly on two that are worth looking into more deeply: extended warranties and GAP coverage.

What is Good Debt vs. Bad Debt?

September 16, 2019

Loans are a type of debt, where you must pay back the money borrowed (the principal) along with an additional percentage of the principal, the loan’s interest. The interest is the profit the lender makes on the loan they’ve extended. But all debt is not created equal. Did you know there is both “good debt” and “bad debt”?

credit, education, security

Watch Out for Social Security Number Scammers

August 29, 2019

In 2019, the Federal Trade Commission’s Consumer Sentinel Network database has seen a dramatic increase in reports involving a variation of a classic scam, to steal identities and money from unwary consumers.

credit, education, investment, scholarship

Lessons on Managing Student Debt

August 19, 2019

Student loans continue to help students achieve their advanced education goals—while at the same time creating what may be lifelong debt for them. Last year nearly 70% of 2018 graduates took out student loans and graduated with debt that is just shy of $30,000.

10 Steps to Financial Success: Part Three

August 05, 2019

This post completes our 10 Steps to Financial Success series. Regardless of what financial success means just for you, it’s unlikely that you’ll achieve it without controlling both costs and expenditures, knowing what you want to do with your money, and planning how to fulfill those goals. At Delta Community, we offer a series of free classes through our Financial Education Center.
 

budget, credit, insurance, investment, real estate, retirement, security, taxes, wedding

10 Steps to Financial Success: Part Two

July 17, 2019

This post is a continuation of our 10 Steps to Financial Success series. Regardless of what financial success means just for you, it’s unlikely that you’ll achieve it without controlling both costs and expenditures, knowing what you want to do with your money, and planning how to fulfill those goals. At Delta Community, we offer a series of free classes through our Financial Education Center.