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Good Friends Meeting Needs

Know Your Priorities to Make Holidays Special

Whether you celebrate Christmas, Hanukkah, Kwanzaa, or the solstice, the holiday season can be stressful—with financial stress often playing a large role. To cut through the noise, you have to know your priorities to make the holidays special. What Is Most Important To You? Figure out what makes the holidays special for you and your […]

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Meeting Needs

Mindfulness Key to Spending Control

Mindfulness Key to Spending Control Are you spending too much? For many Americans, the answer is, “Absolutely.” The reasons are varied—lack of a budget or a desire to maintain appearances—but, to better manage your spending, many financial advisers recommend tracking your cash flow and monitoring your emotional state. Here’s how: Planning is Key * Plan. […]

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Achieving Dreams Meeting Needs

Practical Ways to Save Money

When you’re on a mission to save money it might seem it will take forever for savings to grow. Saving money often starts with changing “spending” habits. Once you identify your savings goal or goals, here are some ideas that can help, some practical ways to save money. Involve Your Spouse Get cooperation from family—Controlling […]

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Meeting Needs

The Best Ways to Use a Few Hundred Dollars

Sometimes it can feel like you need thousands of dollars to move the needle even a little bit on your finances. But what if you had less than that. What are the best ways to use a few hundred dollars? So if you find yourself with a few hundred dollars–say from a tax refund or […]

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Achieving Dreams Meeting Needs

Calculate Your Debt-to-Income Ratio

It’s good to know how lenders determine if you’ll be able to afford your monthly payments comfortably, based on your income and other debts. Remember: Many lenders exceed these guidelines, particularly if you have no debt, good credit, or a large down payment when applying for a mortgage. Your debt-to-income ratio is one key factor. […]