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Finding Financial Balance

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house of money

Deciding on debt: To borrow or not to borrow?

Borrowing money can be a big decision. Some large purchases like buying a home, a vehicle, or continuing your education may not be possible without taking on debt. Other types of borrowing may be for smaller items, like the items you purchase using a credit card or borrowing money with buy now pay...
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produce aisle

Focusing on food costs

Have your groceries been eating up your budget lately? If you have noticed the increased cost of buying food, you are not alone. Some current financial wellness challenges are inflation outpacing income, the cost of expenses continuing to rise, and savings levels are lower recently. Food costs are...
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Debt-free holiday gifting

A season of gifting does not have to mean taking on debt. Do you take on debt for holiday gifting? Debt comes in many forms, such as using a credit card, borrowing money from a friend, or using a buy now pay it later service. As a previous blog post...
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sale tags

Black Friday Shopping – Is it worth the hype?

The holiday shopping season is upon us. The upcoming Black Friday and Cyber Monday sales will be here soon. Don’t forget occasional expenses, like gifts, when creating a spending plan. When shopping for presents, comparison shopping and shopping on sale may be good practices. A concern with sale...
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school supplies

Are you ready for back-to-school expenses?

Right now is the time of year that kids are getting ready to return to the classroom. For some, this is a welcome excitement; for others, this may be an unprepared expense. Going back to school may bring some financial challenges, but you can account for them in a well-planned budget. Are there...
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