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”
Category: Managing Finances
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”
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”
Short of winning the lottery or landing a super-size bonus, is it possible to end up with more money without giving up all the fun things we enjoy? Sure it is! It’ll take some time and a little effort, but shifting a few things can make a positive difference in the way you spend (and … Continue reading “Have more money without losing your lifestyle”
Many full-time and part time employees have the benefit of a company-matched retirement plan, referred to as a 401(k) for the part of the tax code authorizing it. These tax-deferred packages are the principal retirement vehicle for just over half of people in the United States. Americans put away about 6% of their pay in … Continue reading “Borrowing against your 401(k) – is it ever a good idea?”
Part of bringing up children is giving them all the tools they need to survive and do well in the world and environment in which they live. In the United States today, that means helping them understand the value of and the concepts of earning, using, saving and investing money. Parents neglect teaching children about … Continue reading “Talking to your kids about money”
Want a better way to monitor your child’s spending? Maybe you want to send money to a relative far away. Or maybe you have trouble balancing a checkbook and need a low-cost way to keep your money safe and usable. For these times and others, Liberty Savings has a solution. With a Visa Prepaid card, … Continue reading “Three ways to use a reloadable Visa Prepaid card”
There’s been a lot of information going around about how to be smart with money, how to invest wisely, where to save and things like that. While there is a lot of good information out there, the foundation of smart money management is really very simple. There are just three laws you need to keep. … Continue reading “The 3 laws of smart money managment”
Most people have a checklist they go through before they leave the house. Is the stove turned off? Are the doors locked? Do I have my wallet, my keys and my cellphone? The only thing that has changed about that process in the last few years has been the addition of that last item on … Continue reading “Mobile banking – 4 ways to stay on top of your finances”
Money market accounts are offered by banks and credit unions like regular savings accounts. They usually pay higher rates, require higher minimum balances and limit withdrawals. Many money market accounts will even let you write a limited number of checks each month. This type of account gained a high profile during the high inflation of … Continue reading “Money market accounts”