Preparing Your Teen for a Credit Card

Updated: Sept. 7 2023   One thing we could all do with is a little more knowledge about credit and […]

How to Lower Electric Bill & Gas Bill?

A higher than expected natural gas bill is not the kind of surprise you enjoy getting in the mail. It’s […]

Refer a Friend to Emery!

Earning $25 now and $25 later is easy as 1-2-3! For every friend, family member, or colleague you refer to […]

How to Increase Your Gas Mileage

No amount of wishful thinking will lower prices at the pump. Instead, focus on efforts that will make a difference—follow […]

What is Net Worth?

A lot of people think that net worth is a fancy way of saying how much money someone has, but […]

Ransomware

Everyone has secrets—personal data, passwords, private documents, etc—and people will spend lots of money to keep this information secret or […]

Spring Cleaning is for Finances, Too

There’s nothing quite like airing out your home from a long winter, scrubbing it down to a sparkly shine, and […]

Emery’s Rebuild Program: Building Your Credit Score

If you’ve had credit missteps in the past, we want to help. We’ve seen it before. You make a mistake […]

Creating a Household Budget

A practical, workable budget is one of the most crucial tools in your financial wellness arsenal. Starting Points Your budget […]

How To Use Envelope Budgeting

While traditional envelope budgeting may feel a little extreme, there are plenty of ways to make the philosophy behind it […]

Debit Cards | Banking

Debit cards are one of the most common forms of payment. In fact, according to Bankrate, 63% of people between […]

50/30/20 Rule

The 50/30/20 rule is a simple, practical rule of thumb for individuals who want a budget that’s easy and effective. […]

Savings Accounts

If you’re building an emergency fund, saving for a big purchase, or getting money together to invest, using an insured […]

Income and Expenses

Making and spending money is a part of everyday financial life. Managing your money successfully relies on figuring out your […]

What is Financial Literacy?

Financial literacy is knowing what finances are and how to spend, save, and manage money effectively. But it’s not a […]

Renting Rulebook

If you’re looking to rent, there are many things to consider beyond what’s explicitly in the lease. What’s in a […]

Working with a Landlord

You’ve got rights as a renter. Of course, your landlord has rights too. If all goes well during your tenancy, […]

The Rule of 72

Calculating compound interest is complicated. Luckily, there’s a simple shortcut that helps you estimate how a fixed interest rate will […]

Find a Place to Rent

For many, finding a place to rent in a tight rental market is daunting, but by preparing in advance, you’re […]

What Is Mobile Banking Used For?

Mobile banking provides a convenient, safe way to access your funds when you’re unable to visit a branch. The Possibilities […]

Bank Scamming Methods & How to Avoid Them

Con artists cheat Americans out of billions of dollars every year. Recognizing red flags for potential scams can help protect […]

Early Withdrawals from Retirement

Whether you find yourself laid off from work, facing a medical emergency, or confronted with a situation that you’re financially […]

Online Safety Tips for Protecting Financial Information

While it’s likely that you access the internet nearly every single day, that doesn’t mean that you can let your […]

8 Tips to Reduce Your Food Bill

Buying food is essential, but if you’re not careful, it can also eat into your budget. We’ve all given into […]

Certificate of Deposit

If you’re willing to wait, a CD can be a great way to earn a high interest rate on the […]

Finding Funds in an Emergency

If you find yourself facing an emergency that you’re financially under-prepared for, the prospect of what to do next may […]

The Upside of Frugality

Frugal living discussions often talk about pinching pennies or “stretching a dollar.” A penny saved is a penny earned, or […]

Personal Bankruptcy

Bankruptcy is a tool that can help you find financial stability—but only as a last resort. Understanding Bankruptcy Congress created […]

Best Practices for Using a Credit Card

5 Best Practices When Using a Credit Card By properly managing a credit card, you can earn rewards and build […]

Credit & FICO Scores: How to Get Good Credit

A credit score is a number that potential lenders will use to determine whether they should lend you money, how […]

Defining Interest: Types of Interest & How To Calculate

Interest plays a role in almost all aspects of personal finance, including savings, investing, credit, and loans. Interest is money […]

When You Can’t Afford Your Minimum Payments

It’s scary to find yourself in a situation where you can’t afford your monthly debt payments. Whether that’s due to […]

Getting a Car

When looking for a new car, you have three main options: buy used, buy new, or lease. There are pros […]

Reasons to Refinance Your Mortgage

Refinancing can be beneficial if everything lines up in your favor. What can you get out of it? The list […]

How to Manage Your Debt: Strategies & Tools

Even if you’re financially responsible, life’s unpredictable nature can sometimes catch you off guard, at times making it dangerously easy […]

What a Car Loan Costs

When shopping for a car, it’s usually best to start by shopping for a car loan. When you’re shopping for […]

Using Credit

It’s important to be aware of everything you’re agreeing to when using credit but, with careful planning, it can be […]

Leaving a Job with a 401k

When you leave a job with a 401(k), you’ll generally have four options for what to do with the money. […]

Government Assistance

If you don’t make enough money to cover your basic expenses, there are safeguards in place to help you make […]

When Times Get Tough

When emergencies and unexpected situations strike, it’s important to be prepared and make wise decisions. While tough times can vary, […]

To-Dos for Leaving a Job

Whatever your reasons for leaving a job, there are things you need to consider as you transition out of your […]

Out of Work?

Losing a job unexpectedly can leave you feeling unsure of what to do next. There are a few important steps […]

How to Prevent Identity Theft

The best way to prevent identity theft is to stay informed, aware, and on top of your finances. By taking […]

Auto Insurance

Auto insurance is not only often a legal requirement, it’s also absolutely vital to your financial health. The truth is […]

Renter’s Insurance

A renter’s insurance policy can help protect your personal property and yourself from liability for accidents that happen in your […]

How to Repay Student Loans

Student loans account for a lot of personal debt and often seem too daunting to handle. Learn how to start […]

Emergency Fund: Why You Need One

An emergency fund is a financial safety net that everybody should have for life’s unforeseen challenges. One of the most […]

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