by Ingrid Clayton | Jan 10, 2021 | Financial Education
What is a “Payday Loan”? A “Payday Loan” is a very short-term loan — usually for a few weeks — that people who need to access quick cash may borrow to cover financial obligations until they get paid. In the past all payday lenders operate from a...
by Ingrid Clayton | Jan 3, 2021 | Financial Education
One of the best defenses against job loss, illness, emergency travel, and other unforeseen problems is an emergency fund. An emergency fund is money that is set aside in a normal bank account that you can access quickly. For example, if your air conditioner dies or...
by Ingrid Clayton | Dec 27, 2020 | Financial Literacy
There is a rule of thumb that says you should pay yourself 5% to 10% of your income before you start spending it. Many people will argue that they don’t make enough money to cover even their basic necessities and pay their bills, so where will they find extra money to...
by Ingrid Clayton | Dec 20, 2020 | Personal Finance
Money and finance are always one of the elephants in the room when it comes to family dynamics. Many family members are not comfortable talking about money. But if families could get comfortable with talking about money at the dinner table, and work together to...
by Ingrid Clayton | Dec 13, 2020 | Personal Finance
If you’re like most people, when it comes to your financial situation, you oscillate between ups and downs. In fact, you may feel like you have many more downtimes than up. Perhaps you even wait for the downtimes to return whenever you’re on the up side. But what if I...
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