Living Greater

How much money do you have saved for unexpected expenses? (Don't worry, we won't judge)

Understand what it means to refinance, determine whether the timing is right and weigh the pros and cons to ensure that refinancing is a good long-term strategy for you.

Auto loan refinancing can be a smart financial decision but isn't for everyone, so it's important to understand what it means to refinance your loan, your motivations for doing so and the outcomes you seek.

Setting a budget and tracking your progress each month is key to setting yourself up for financial success and achieving your goals. These simple steps will allow you to have a plan in place to meet new financial heights and be better prepared for the future. 

According to a 2017 survey from Varo Money, 74 percent of Americans say they often fail to budget properly for the holidays. And so many end up racking up holiday debt, particularly on credit cards.
 
The problem is that debt on credit cards tends to linger past the holiday season. According to a 2018 Magnify Money survey, 49 percent of holiday shoppers said it would take five months or longer to pay the season’s debt off their credit cards. That means those shoppers were going to paying off their 2018 holiday debt well into May of 2019.
 
But it doesn’t have to be that way. Here are tips to help manage holiday expenses:

Heating, air conditioning, and water heating account for more than 74 percent of the energy consumed per household nationally and for 60 percent of the household energy dollars spent, according to the U.S. Energy Information Administration. In fact, each household in the U.S. spends about $1,856 per year. 

Now that temperatures are cooling down in Nevada, the following tips can help you save money on energy costs during the winter months, and even all year long in the Silver State or any place you call home!

Buying your first home, saving for retirement or even building an emergency fund can be intimidating for any of us. Add the need to pay down student debt and you may find yourself worried about the best approach. But it doesn’t have to be this way. There are some simple steps you can take to reassess your student loan and make sure you’re on the right track to reach your financial goals that much sooner.

Many of us consider our house our most valuable asset; but are we doing everything to make sure it’s fully protected? In the third part of our summer blog series, local Nevada insurance agent Brent Cordell outlines the coverage you need to keep your home protected.
 

When you hear friends and family talk about a great deal on insurance, it can be tempting to get a quote of your own. But first, you need to know the key terms, what items can impact your cost, and how to evaluate the monthly costs and savings against the amount of coverage you’ll get.