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budget, credit, education, investment

New Year’s Financial Resolutions You Can Really Keep

For many people, one thing the new year always brings is new year's resolutions—promises to ourselves and others that will take actions to alter—and usually improve—some (or many) aspects of our life. It's common for people to want to change their weight and exercise program, modify a personal relationship, do something different with their job or career, travel more, begin (or invest more time in) a hobby or sport. Even though the new year has begun, it's not too late to make or revise resolutions for the rest of the year.

credit, security

Avoiding Holiday Shopping and Identity Fraud

End of year holidays usually involve an increased amount of shopping, spending and travel for many people, which are all very commonplace activities. But along with those activities—many of which may take place partially or completely online—comes the increased risk of credit card fraud and/or identity theft.

budget, credit, vacation

Holiday Shopping and Saving Tips

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

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.

credit, education, security

Watch Out for Social Security Number Scammers

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

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.

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

10 Steps to Financial Success: Part Two

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.
 

budget, credit, investment, retirement, taxes

10 Steps to Financial Success: Part One

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. We’ve highlighted one of those workshops, 10 Steps to Financial Success, here.

budget, credit, vehicles

Buying a Car: Credit Union Financing vs. Dealership Financing

If you’re in the market for a new car and can’t purchase it outright, you literally owe it to yourself to explore a variety of car loan provider options, from national or local companies that specialize only in auto loans, to online-only banks, credit unions, traditional banks and auto dealerships—and these are just a few of the options to carefully research.

credit

Conquering Your Credit Score

Your credit score is the key to many things in your financial life, but learning how to improve or repair it can be a challenge. Here are our tips to achieving financial greatness.
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