FINANCIAL HEALTH Offers in the mail Credit card companies, auto loan companies and other lenders can get a list of names for their credit card offers. They get information from credit reporting agencies about people who have a minimum credit score. Then, they use that list to send out offers for a new card. Saying […]
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WORK LIFE When you feel productive, getting tasks done can seem effortless. But, productivity often doesn’t happen on its own. Boost productivity and crush your to-do list. Cut out distractions Silence your phone and turn off email notifications. Give yourself 15 to 30 minutes of uninterrupted work at a time. Check your phone or take
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FINANCIAL HEALTH Managing your finances is a long-term investment. Following a budget is the blueprint for financial health. But, how do you know if it’s working? A yearly financial review provides a snapshot of how well your financial management achieves your financial goals. And it allows you to identify and adapt to changes in your
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FINANCIAL HEALTH When you need money, payday loans may seem like a quick, easy option. But these loans may not be worth the money they cost you. Payday loans are also called cash advance loans. They’re a short-term loan. You pay a fee – often a big one – to borrow money for a short
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FINANCIAL HEALTH If you carry multiple credit card balances, reducing your debt can feel overwhelming. But there are many techniques to help you tackle your debt. One strategy is to create a debt avalanche. Here’s how it works: * Make a list of your credit cards, their balances, interest rates, and minimum payments. * Evaluate
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FINANCIAL HEALTH 1.See.See what you agreed to. Look at all the paperwork for the loan documents. Check the annual percentage rate (APR), which is the cost of your loan interest measured by a yearly rate. Look at the finance charges, which includes the total amount of interest and certain fees you’ll pay. 2.Say no.Say no
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WORK LIFE It’s a common problem: you need to focus on work, but you keep getting distracted. Here are three quick ways to focus and check things off your to-do list. 1. Turn off the “rings” and “dings.” Turn off notifications for emails or texts on your phone before you start a task. 2. Set
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FINANCIAL HEALTH 1. Do protect your personal information all the time. Never share your birthday, social security number, credit card number or passwords with others. No one should call or email you asking for this information. 2. Do stand your ground. Scammers may try to scare you by saying if you don’t give them money,
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FINANCIAL HEALTH Little everyday choices can have a big impact on your finances. If you want to save more or spend less, think about whether you’re making any of these mistakes. Mistake #1: You put off saving money. Do you think that you can wait a few more months or even years before you need
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WORK LIFE 1. Stress less on your commute. Avoid the news, emails or other stressful activities on your way to work. Instead, listen to an uplifting audio book or your favorite music. 2. Say something positive. When someone asks how you’re doing, avoid saying things like, “just okay,” or “could be better.” Instead, say, “great,”
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