Investing 101 Guide Book
Beginning investing can be scary. Let this Investing 101 Guide Book help you learn your way around growing your money.
Debit or Credit Card – What’s the Difference?
When it comes to making purchases, not all plastic acts the same.
Short-Term Saving Tips for Summer Vacation
With summer drawing closer, your vacation may arrive before you’ve got the money to pay for it. But there are some quick changes you can make now to save or raise money for your trip.
Best Ways to Fund Spring Home Repairs
Now that spring has blossomed into full-on allergy mode, the time we spend outside is even more appreciated — especially with the help of a good antihistamine.
At What Price, Love?
Did you know that the average American spends almost $96.00 on their cat for Valentine's Day? Check out this infographic to see how your sweetheart-day spending compares.
Quick – Can You Come Up With $400?
Life is expensive: Find yourself in need of an ambulance, tow truck or mechanic, and a hefty bill will likely follow. And many people just can’t pay.
5 Ways Your Friendship Can Blossom on a Budget
Another Saturday night has come and you are making fun plans with friends. Here's some tips on how to have a successful night - without all the extra costs.
To Reach Your Savings Goal, Take These Steps
Saving money is often easier said than done, but it doesn’t have to be difficult. Setting clear goals can motivate you to take action, focus on what’s important and steer clear of overspending.
Saving on Landscaping
Ready for summer gardening? Learn how to give your backyard a makeover without breaking the bank.
Tips on Furnishing Your New Home
You've bought the home - congratulations! Now you'll have to furnish it, and Education First can help you save money while you do.
Should I Refinance My Home?
Refinancing a mortgage is essentially paying off the remaining balance on an existing home loan and then taking out a new mortgage loan, often at a lower interest rate.
6 Ways To Save More Money In The New Year
Even if saving has never been your thing and money is tight, the coming of a new year is an opportunity to change old financial habits. Here are some ways to become a more efficient saver.
The Ultimate Guide to Debt Consolidation
Let's face it - for many of us, getting into debt is easy and getting out of debt is hard. Perhaps that's because we don't really stop to think about the different aspects of debt and how we can fall in before we know it. This eBook is designed to help you understand how and why debt happens, and how to eliminate debt for good.
Going from New Homeowner to Happy Home
There are a number of upcoming firsts for new homebuyers. Since you’ve just come up with a down payment, you might think your biggest hurdle of financial responsibility is over. However, that’s not the case. Check out these common homeowner situations to help you best prepare for them.
All You Need to Know About Flipping Houses
In today's real estate market, home-flipping has become more popular than ever.
Preparing to Buy Your First Home
First-time homebuyer? Let’s take a look at a few guidelines to help take some of the stress out of the decision.
Amortization Basics: How Much Home Do You Own?
Here’s a guide to amortization during the life of a typical mortgage loan.
How to Get the Lowest Mortgage Refinance Rate
Most people refinance a home to save money, at least in the long run. If you’re contemplating making that move, it’s a good idea to verify first that it’s the most financially efficient way to achieve your goals and to ensure you’re well prepared.
9 Expenses to Pack In Your Moving Budget
Preparing for moving costs can help alleviate emotional and financial strain. Consider these less-obvious expenses.
How to Tell You’re Ready to Buy a House
Making the decision to become a homeowner is emotionally and financially complex. Here are some key things to ask yourself if you're considering whether buying is right for you.
10 Terms Every Homeowner Should Know
Buying a home is a common undertaking for many Americans, but it’s also one of the most complicated — not to mention costly — purchases adults will ever make.
12 Steps Towards a Debt Free Life - Part Two
Part two of 12 Steps Toward a Debt Free Life finishes detailing the things you can do to reduce - and eventually pay off - your debt.
12 Steps Towards a Debt Free Life - Part One
Getting into debt is easy, getting out of debt can be an uphill battle. This two-part article provides you with the information you need to get out debt, and stay that way.
3 Simple Things Anyone Can Do to Stay Out of Debt
With a swipe here and a swipe there, it can be easy to live your life on plastic and pile up debt. You’re not alone: U.S. households carry credit card balances that total in the billions. So what to do?
When Debt Can Be Good for You – and When it’s Bad
It’s next to impossible to go through life without accruing some debt. The good news is that some loans can be healthy and even productive, which means there’s no rush to pay them off.
Why Consolidate Debt - Part 1 of 2
There are two major reasons to consider consolidation: to save money by getting a more favorable interest rate and to facilitate making payments on time.
Steer Clear of These Student Loan Scams
Student loan repayment can be a tough pill to swallow. Scammers know this, and often play on these fears.
How to Live Below Your Means Without Feeling Deprived
Spending less than you earn is one sure path to financial security. But that doesn’t have to mean a spartan lifestyle. You can still enjoy yourself while living small.
How Debit Card Fraud Happens – And How to Avoid It
For many people, debit cards are the perfect plastic. They offer most of the conveniences of credit cards with no risk of accumulating debt.
How to Budget When You Have Seasonal Income
Rewarding careers don’t always come with a steady paycheck. For people who work in agriculture, construction, tax preparation, entertainment, landscaping or other types of freelance and seasonal businesses, income may vary wildly depending on the time of year.
Emotional Spending: Why Spending Feels Good
Why does shopping feel good? Let's explore the pschology of spending.
Money and Divorce
Divorce is difficult, painful and fraught with emotion. Learn about the benefits of both parties working together financially.
Financial Tips for Single Parents
Single parents face the same budget and finance issues as couples, but they go it alone. We’ve got tips to help you get control!
How to Save for Retirement
It’s never too early to start putting away money for your future.
6 Tips for Anyone Late to the Retirement-Planning Game
“Over the hill” surprise birthday parties can be fun. But one shock you don’t want in your 50s is the realization that you’ve completely overlooked retirement or are significantly behind where you need to be.
The Differences Between a Traditional 401 (k) and a Roth 401 (k)
An employer-sponsored 401(k) plan is often one of the most valuable parts of a job’s benefits package. Although free snacks and a generous vacation policy are great, making regular contributions to a retirement account can help ensure that your golden years are financially comfortable.
401K Plans and Your Retirement
Does your employer offer a 401K? If so, are you contributing to it? If not, what do you do? Read this article for answers to your retirement questions.
The Should's of Retirement
We all know that we should save for retirement, and we know that there are many ways to do it - but which tools should you use? How much should you save? We break down all of the "should's" of retirement in this article.
How to Recognize and Protect Yourself from Scams
Here at Education First, your financial wellness is our number one priority, and that includes keeping you and your money safe. To help with this, we've put together a guide on how to recognize and protect yourself from scams.
Financial Planning In Divorce
Divorce is hard enough without adding mismanaged financial matters to the pile. Find out what you need to do ahead of time to minimize your expenses, reduce the damage to your credit and make the entire process run more smoothly.
6 Ways to Spot a Payday Loan Scam
If you've applied for a payday loan, make sure to stay vigilant against scammers.
How to Rebound from Natural Disaster Debt
Natural disasters can uproot lives — and upend stable finances.
Why Does My Credit Score Matter?
These three little numbers can spell the difference between approval and rejection for a mortgage, a job, a rental unit and so much more.
Paying Bills with a Credit Card or Debit Card
The pros and cons of using plastic for your bills.
6 Big Ways Your Credit Can Affect Your Life
Your credit history can directly impact what you buy, where you live and even where you work.
How to Improve Your Credit Score
Almost no one is perfect when it comes to credit scores.
9 Tips for Paying Off Your Credit Card Debt
Buried in credit card debt? You’re not alone.
Building a Credit Score from Scratch
Young adults starting out on their own often bump into a cold fact of financial life: Having no credit history can limit your options just as much as having bad credit does.
Credit Score Information
Having a less-than-stellar credit score can negatively affect many aspects of your life - buying a car or house, getting a credit card, applying for a job, etc.
Train Your Young Entrepreneurs
Your kids may be too young to know the first thing about running a business, but that doesn’t mean they can’t learn! Teach them all about scouting a market, creating a great business model and earning money with this fun and educational activity.
How to Save Money on Your Child's Extracurricular Activities
Extracurricular activities are wonderful for a child's development. But there's no getting around it: they can also be very expensive.
Mobile Money Apps: Tech Helps Teach Kids to Save
Feeding the piggy has long been a down-homey, tried-and-true way to teach kids how to save money. But nowadays, the iconic piggy bank is getting a digital makeover.
3 Important Money Lessons for Youths
Early childhood is the perfect time to share important financial lessons. Research has shown that kids form their money habits by age 7.
Should I Take Zero Percent Financing When Buying a Car
Auto dealers are often touting the beneifts of zero-percent financing on a new purchase, but does it cost you more in the long run?
Financial Steps To Take Before Buying A Car
You've searched and found the right new car! Congrats! Here are a few things to consider while looking for the best financing option.
How to Get Out From Under Student Loans
If you’re a recent college graduate who took out student loans, you likely owe about $35,000. As eye-popping as that average debt figure is, you’re certainly not the only one wondering how you’ll possibly get out from under your loans.
What to Do if You Can’t Pay Your Taxes
Tax time can be tough, especially when you don’t have the money to pay what’s due.
5 Common Mistakes on Tax Returns
Rushing to file your tax return increases the chances of error, which can delay your refund, trigger an audit or cause you to have to pay more later. Here are some of the most common tax mistakes to avoid.
10 Do's and Don'ts for Personal Loans
Getting a personal loan can be a great way to receive quick cash. Here's what you should do (and not do) with your personal loan.
The Ultimate Guide to Applying for a Business Loan
Business loans can have huge benefits for your company. This article explains how they work, what to consider, and when it makes sense to get one for your business.
Car Sharing, Auto Refinancing, and Insurance
Driving is a necessity for many, but it can also be expensive, with an average annual cost of almost $8,700. Here are three easy ways to reduce your car expenses.
How Thieves Create Fake Identities With Kids' Social Security Numbers
Identity theft, or identity fraud, once meant crooks were churning out fake credit cards. But as that became easier to detect, a more insidious crime has evolved: the creation of completely new identities.
How to Get Your Business Out of Debt in 4 Steps
Debt is a necessary part of running a small business...but too much debt can put your business at risk.
These 3 Tricks Can Help You Shop Less
Shopping can be a form of relaxation, an entertaining way to spend time, or even a hobby. But it can turn into an expensive habit.
6 Ways to Save Money on Camping Costs
Get the tent ready, grab your s'mores supplies, and make note of these money-saving tips to guarantee a successful camping trip!
Savings 101: What Is a Share Certificate?
Here's the breakdown of a Share Certificate - and why you should consider one.
Saving Money Makes You Happier – Here’s Proof
The argument over whether you should invest or pay off debt usually focuses on financial numbers, such as rates of return and interest charges. Maybe happiness should be part of the equation as well.
The Benefits of Life Insurance
Ever wondered if life insurance is worth the expense? Read on to find out why it can be an important part of your investment strategy for your loved ones.
Retirement Savings for Self-Employed People
It seems like everyone has a side hustle or a personal project they hope to someday turn into a business. While this money-making ambition is good for the wallet, it can be a little tricky come tax time.
5 Things to Consider When Buying a Jet Ski
Jet skis can be a fun way to ride the waves! But they are certain things you need to know before purchasing your own personal watercraft.
Spend Money Guilt Free - Even With Student Loans
Learn how to keep your big expenses low, get serious about setting aside “fun” money and pick activities that will bring you lasting joy.
Student Loan Scams and How to Avoid Them
We all know there are credit card scams, online shopping scams, and telephone scams, but our student loans are secure, right? Well, not always. Student loan scams - while not incredibly rampant - are definitely still a thing. This article will teach you how to spot them and what to do if you're targeted.
How to Protect Your Money and Accounts Online
Shopping and banking online are very convenient. But you want to be sure you’re protecting yourself and your wallet before you hit “send.”
Kids and Summer Jobs: Opportunities to Learn
Many teens have summer jobs. This is the ideal time to introduce them to some essential financial skills.
When and Why to Take on Business Debt
Not all debt is bad debt, as long as it's used to it's full potential. Whether you need new equipment, want to invest in finding new clients, or just want to expand, business debt can be the right answer.
Essential Money Lessons Every Kid Needs to Know
Here are some important lessons you'll want them to know.