Credit Reports vs Credit Scores...

Interested in how your credit score is calculated? Well, it's not as simple as just paying your bills on time. Your FICO score is based on five different factors... Here's the breakdown:

30%   Available Credit
10%   Number of Inquiries
10%   Type of Credit
35%   History of Credit
15%   Length of Credit

Harvesting Some Ripe Savings



If you know me at all, you know I like saving money on just about  everything I buy. I’m always looking for a good deal, and if you run into me at the store, I’ll be happy to peruse your basket and let you know what you can price match for a cheaper overall grocery bill.


This year we decided to plant a garden. The reason wasn’t entirely to save money on produce. It was more of a thing I’ve always wanted to do, but never really got motivated enough until after the prime planting season had passed. I’d always promise myself that next year would be the year, until next year came around. I always found an excuse to not till the soil, dig up the old bush that was in the way, or purchase bricks to build the garden frame. Each year I would kick the proverbial can down the road, until the next. Well, until this year.

Saving Money On College Expenses




Whether you are at the beginning of your scholastic journey, or a new parent planning for the future, having an educational savings plan in place is vital to your budget.


What are the costs?
According to College Date, the average price tag for tuition and fees for the 2016-2017 school year runs $33,480 at a private college, $9,650 for state residents to attend a public college, and $24,930 for out-of-state residents to attend public universities. This amount doesn’t cover the costs for books, housing, transportation and meals, which can eat away at you college savings account rather quickly.

How To Protect Your Finances When Leaving An Abusive Relationship


What unique financial hurdles does someone face when they are in an abusive relationship?
Unless you have personally been a victim, it is truly hard to understand the reasons one stays in an unhealthy relationship. More often than not, the abuser has made the victim feel as if they are dependent upon the abuser. That without the help of the abuser, the victim could not survive financially in the world, and it is only by the grace of the abuser that the victim has a roof over their head, and food on the table.
Bring children into that equation, and the hold one has over another can significantly multiply. The fear of breaking up a family, uprooting kids from their home, and denying them from seeing both parents every day can be too much for one to handle.

Don't Double Dip Your Deductions




It’s not news that many items can be used as deductions on your tax return. From Traditional IRA contributions, to donations you make to a charity, you can lower the amount of taxes you may owe by claiming a few of these.

Deducting Professional Fees
One area that often gets overlooked are the fees you pay for professional services. Did you know you can (possibly) claim the fees you pay your tax preparer and financial advisor as deductions?


Budgeting Blunders 2

What are some of the biggest mistakes people make when trying to trim their budgets?

Where do I start…

One of the largest mistakes people make, by far, is creating a budget that is too complex.  In an attempt to allocate each penny, which is a good thing, they create a budget that has forty five or more line items, which is not a good thing.



Spring cleaning your financial records


If you’re anything like me, spring cleaning is a welcome annual occurrence. Getting everything cleaned and organized gives me a sense of refresh and order. However, others may see this as more of a necessary evil. Regardless of your outlook on such tasks, when it comes to your financial documents, neglecting your annual financial “cleaning” could cost you more than a few extra dust bunnies.