Do you feel like you’re drowning in debt? The national average credit card debt per household is $7,087. About 47% of households carry a balance on credit cards from month to month. Our reliance on plastic and other forms of credit makes life difficult for families struggling to make ends meet. Even if you’re still in … Continue reading “A personal debt assessment: your financial life preserver”
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Money worries are rampant among Americans. A recent survey by Ohio State University found that 70% of the nearly 19,000 students surveyed reported feeling stressed about money. Half worried about not having enough money for daily expenses, and 60% were anxious about the cost of tuition. But it’s not just college-age adults who worry about … Continue reading “Don’t let money worries rob you of sleep”
Have you noticed the new chips embedded in your credit cards? You may have even experienced paying with your new card at a store. Cards without the chip use a magnetic strip on the back to permanently store your financial information, making it an easy target for data thieves to simply scan your card and capture your information. … Continue reading “Chip cards help cut credit card fraud”
Every corner of the personal finance world seems to hammer home the same point: debt is the wealth killer. Debt is the single greatest threat to your retirement planning, college savings and financial independence. Except, as it turns out, there is one kind of debt that defies all of these rules: mortgages. Money you owe … Continue reading “Seven ways to stop worrying and love your mortgage”
There are times in life when you want or need to spend more cash than you have on hand. You can borrow the money and pay it back a little at a time if you have reasonably good credit. Depending on what you plan to do with the money there different types of personal loans available. … Continue reading “When to get a personal loan”
It’s never too early to start putting away money for your future. If you’ve ever wondered how to save for retirement when you’re also dealing with day-to-day expenses, these easy tips can help. 1. Get a rough estimate of retirement expenses It may seem difficult to know how much money you’ll need in retirement, especially … Continue reading “How to save for retirement”
Although so much of your research for buying a home can be done online, there’s no replacement for a real estate agent. The right one will help you make a smart decision, point out potential problems in a house you may be considering, and help you find the best home within your price range. However, … Continue reading “Buying a home? Here’s how to pick a great real estate agent”
Whether checking your account balance before making a big purchase, or transferring emergency funds to your child when you’re on the go, electronic banking can be a real lifesaver. And it’s often as easy to use as it is practical. Here’s a closer look at how to maximize your electronic banking experience with Liberty Savings. Fight … Continue reading “Making the most of LibertyLink Online Banking”
We love being part of a credit union, and we know as our members you have found great things about it too. Beyond low loan rates and member savings, we thought we’d share a few more facts you may not have heard about… Fact #1: President Roosevelt signed the Federal Credit Union Act in 1934 … Continue reading “Did you know these 10 facts about credit unions?”
Although holiday travel general means driving over the river and through the woods to see family, each year more and more people are opting to take a vacation to celebrate the holidays. In the excitement of exploring a new country, it’s all too easy to rack up extra expenses paying in a foreign currency. Exchange rates fluctuate … Continue reading “4 money moves to make before traveling abroad”
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