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2      The Empowerment Edit Blog | Kalsee Credit Union | Michigan
3    </title><meta name="description" content="Explore the Kalsee Blog for expert tips on saving, budgeting, credit, and financial wellness&#x2014;helping you make smarter money decisions every day."><meta name="keywords" content=""><meta name="viewport" content="width=device-width,initial-scale=1"><meta name="apple-mobile-web-app-title" content="Kalsee Credit Union"><link rel="canonical" href="/connect/learn/blog"> <meta name="smartbanner:title" content="Kalsee Credit Union Mobile App"><meta name="smartbanner:author" content="Kalsee Credit Union"><meta name="smartbanner:price" content="FREE"><meta name="smartbanner:price-suffix-apple" content=" - On the App Store"><meta name="smartbanner:price-suffix-google" content=" - In Google Play"><meta name="smartbanner:icon-apple" content="/apple-touch-icon.png"><meta name="smartbanner:icon-google" content="/apple-touch-icon.png"><meta name="smartbanner:button" content="VIEW"><meta name="smartbanner:button-url-apple" content=""><meta name="smartbanner:button-url-google" content=""><meta name="smartbanner:enabled-platforms" content="android,ios"> <link rel="stylesheet" href="/assets/css/main.min.css?v=1789053203979"><link rel="preconnect" href="https://fonts.googleapis.com"><link rel="preconnect" href="https://fonts.gstatic.com" crossorigin=""><link href="https://fonts.googleapis.com/css2?family=IBM+Plex+Serif:ital,wght@0,100;0,200;0,300;0,400;0,500;0,600;0,700;1,100;1,200;1,300;1,400;1,500;1,600;1,700&family=Lato:ital,wght@0,100;0,300;0,400;0,700;0,900;1,100;1,300;1,400;1,700;1,900&display=swap" rel="stylesheet">
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39</head><body class="subpage blog"><div role="navigation"><div class="hidden-compliance" id="complianceMenu"><ul class="list-unstyled"><li><a href="/">Home</a></li><li><a href="#main">Skip to main content</a></li><li><a href="#footer">Skip to footer</a></li></ul></div><a class="hidden-compliance external" href="http://get.adobe.com/reader/" title="External link to download Acrobat Reader">Download Acrobat Reader 5.0 or higher to view .pdf files.</a></div><div class="master-container"><div class="header-container position-relative bg-noise"><header class="header z-index-0"><div class="py-xl-3 position-relative z-index-1"><div class="container-lg"><div class="header-inner d-md-flex flex-wrap align-items-center justify-content-between flex-xl-nowrap"><div class="header__top d-flex align-items-center justify-content-between justify-content-md-end order-xl-2 py-1 py-md-2 py-xl-0 pe-xl-3 w-100 w-xl-auto"><div class="header__top-links"><a href="/connect/contact/locations-and-hours">Locations</a> <a class="mx-auto ms-35 mx-md-35 header__phone" href="tel:+12693827800" title="Call Kalsee Credit Union">269-382-7800</a></div><button class="header__icon ms-xl-auto search js-toggle-focus toggle-search" data-bs-toggle="modal" data-bs-target="#searchModal" aria-label="Toggle Site Search"><svg><use href="#custom--search"></use></svg></button></div><div class="header__logo my-3 my-md-0 order-xl-1 me-xl-5 text-center flex-shrink-0"><a href="/" class="logo d-inline-block" title="Kalsee Credit Union, Kalamazoo, MI" id="siteLogo-js"><span class="logotype"><img src="/assets/img/kalsee-logo.svg" alt="Kalsee Credit Union logo"></span></a></div><div class="header__right d-flex justify-content-between justify-content-sm-center align-items-center order-xl-3"><div class="apply"><button class="dropdown-toggle apply__btn border-0" type="button" data-bs-toggle="dropdown" aria-expanded="false">Apply <svg><use href="#custom--caret"></use></svg></button><ul class="dropdown-menu apply__dropdown position-absolute pe-none"><li><a class="dropdown-item" href="https://www.kalsee.com/join" target="_blank" rel="noreferrer">Membership</a></li><li><a class="dropdown-item" href="https://www.kalsee.com/apply" target="_blank" rel="noreferrer">Loan or Credit Card</a></li><li><a class="dropdown-item" href="https://www.kalsee.com/apply-mortgage" target="_blank" rel="noreferrer">Mortgage</a></li><li><a class="dropdown-item" href="/connect/about/careers">Careers</a></li></ul></div><button type="button" data-bs-toggle="modal" data-bs-target="#olbModal" class="header__button header__login d-inline-flex align-items-center justify-content-center text-decoration-none ms-1 me-3 mx-xl-3 rounded border js-toggle-focus toggle-login" title="Toggle Online Banking Login"><span>Login</span> <svg><use href="#custom--lock"></use></svg></button> <button type="button" data-bs-toggle="modal" data-bs-target="#navModal" class="header__button header__menu d-inline-flex align-items-center justify-content-center text-decoration-none rounded border sidebar-toggle js-toggle-focus" title="Toggle Main Navigation"><span>Menu</span> <svg><use href="#custom--menu"></use></svg></button></div></div></div></div></header></div><div class="modal sidebar right menu fade" id="navModal" tabindex="-1" role="dialog" aria-labelledby="navModal"><div class="modal-dialog" role="document"><div class="modal-content"><div class="modal-body"><div class="sidebar__top position-relative"><div class="d-flex align-items-center justify-content-between"><button id="back-btn"><svg><use href="#custom--arrow"></use></svg> <span>Back to Main Menu</span></button></div><button type="button" class="modal-close" data-bs-dismiss="modal" aria-label="Close Main Navigation"><svg><use href="#custom--modal-close-light"></use></svg><span class="sr-only">Close login dialog</span></button></div><div class="sidebar__menu position-relative"><nav aria-label="Primary" class="mainNav__container"><div class="mainNav__collapse" id="navbar"><ul class="banno-menu menu-e813f2a0-d530-11eb-a5ef-0242bf624d5b">
40                       <li class="dropdown menu-category">
41        <span role="button" aria-expanded="false" class="category-item" tabindex="0">Personal</span>
42        <ul class="dropdown-menu">
43            <li class="dropdown menu-group">
44        <span role="button" aria-expanded="false" class="group-item" tabindex="0">Bank</span>
45        <ul class="dropdown-menu">
46            <li class="menu-internal">
47        <a href="/personal/bank/checking">Checking</a>
48        
49      </li><li class="menu-internal">
50        <a href="/personal/bank/savings">Savings</a>
51        
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53        <a href="/personal/bank/money-markets">Money Markets</a>
54        
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56        <a href="/personal/bank/cds">CDs</a>
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70        <span role="button" aria-expanded="false" class="group-item" tabindex="0">Borrow</span>
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73        <a href="/personal/borrow/mortgages">Mortgages</a>
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76        <a href="/personal/borrow/home-equities">Home Equities</a>
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79        <a href="/personal/borrow/auto-loans">Auto Loans</a>
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85        <a href="/personal/borrow/credit-cards">Credit Cards</a>
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88        <a href="/personal/borrow/personal-loans">Personal Loans</a>
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91        <a href="/personal/borrow/student-loans">Student Loans</a>
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94        <a href="/personal/borrow/build-your-credit">Build Your Credit</a>
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105        <span role="button" aria-expanded="false" class="group-item" tabindex="0">Explore</span>
106        <ul class="dropdown-menu">
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108        <a href="/personal/explore/online-and-mobile-banking">Online & Mobile Banking</a>
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111        <a href="https://www.kalsee.com/join" target="_blank">Become a Member</a>
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114        <a href="/personal/explore/perks">Perks</a>
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117        <a href="/personal/explore/direct-deposit">Direct Deposit</a>
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126        <a href="/financial-calculators">Financial Calculators</a>
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133        <span role="button" aria-expanded="false" class="category-item" tabindex="0">Business</span>
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136        <span role="button" aria-expanded="false" class="group-item" tabindex="0">Bank</span>
137        <ul class="dropdown-menu">
138            <li class="menu-internal">
139        <a href="/business/bank/checking">Checking</a>
140        
141      </li><li class="menu-internal">
142        <a href="/business/bank/savings-and-money-markets">Money Markets</a>
143        
144      </li>
145          </ul>
146      </li><li class="dropdown menu-group">
147        <span role="button" aria-expanded="false" class="group-item" tabindex="0">Borrow</span>
148        <ul class="dropdown-menu">
149            <li class="menu-internal">
150        <a href="/business/borrow/real-estate">Real Estate Loans</a>
151        
152      </li><li class="menu-internal">
153        <a href="/business/borrow/equipment-loans-and-lines-of-credit">Equipment & Lines of Credit</a>
154        
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156        <a href="/business/borrow/credit-cards">Credit Cards</a>
157        
158      </li>
159          </ul>
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161        <span role="button" aria-expanded="false" class="group-item" tabindex="0">Explore</span>
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167        <a href="/business/explore/employee-empowerment-program">Employee Empowerment Program (KEEP)</a>
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170        <a href="/business/explore/merchant-services">Merchant Services</a>
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180        <span role="button" aria-expanded="false" class="category-item" tabindex="0">Connect</span>
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183        <span role="button" aria-expanded="false" class="group-item" tabindex="0">Contact</span>
184        <ul class="dropdown-menu">
185            <li class="menu-internal">
186        <a href="/connect/contact/locations-and-hours">Locations & Hours</a>
187        
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189        <a href="/connect/contact/contact-us">Contact Us</a>
190        
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194        <span role="button" aria-expanded="false" class="group-item" tabindex="0">Membership</span>
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197        <a href="/connect/membership/how-to-join">How to Join</a>
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205        <span role="button" aria-expanded="false" class="group-item" tabindex="0">About</span>
206        <ul class="dropdown-menu">
207            <li class="menu-internal">
208        <a href="/connect/about/who-we-are">Who We Are</a>
209        
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211        <a href="/connect/about/careers">Careers</a>
212        
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214          </ul>
215      </li><li class="dropdown menu-group">
216        <span role="button" aria-expanded="false" class="group-item" tabindex="0">Learn</span>
217        <ul class="dropdown-menu">
218            <li class="menu-internal">
219        <a href="/connect/learn/blog">Blog</a>
220        
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222        <a href="/connect/learn/aspire-financial-counseling">Aspire Financial Counseling</a>
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225        <a href="/connect/learn/seminars">Seminars</a>
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228        <a href="/financial-calculators">Financial Calculators</a>
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231        <a href="/connect/learn/frequently-asked-questions">FAQs</a>
232        
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234        <a href="/connect/learn/card-safety">Card Safety</a>
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237          </ul>
238      </li>
239          </ul>
240      </li>
241                     </ul></div></nav></div><div class="sidebar__bottom w-100"><div class="mb-2 sidebar__copy"><label for="routingNumber1"><svg class="me-1"><use href="#custom--routing"></use></svg>Routing #</label> <span class="sidebar__copy-btn" data-bs-tooltipclass="custom-tooltip" data-bs-toggle="tooltip" data-bs-placement="bottom" data-bs-title="Click to copy"><input type="text" value="272481855" id="routingNumber1"></span></div><div><a class="sidebar__btn" href="tel:2683827800" aria-label="Call Kalsee Credit Union"><svg><use href="#custom--phone"></use></svg><span>269-382-7800</span></a></div><div><button class="nav-btn mt-2" onclick="document.body.appendChild(document.createElement(&quot;sm-visitor-code&quot;))"><img src="/assets/img/customer-service-icon.png" class="customer-service-icon" alt="Customer Service Icon">Get CoBrowsing code</button></div></div></div></div></div></div> <div class="modal sidebar right search fade" id="searchModal" tabindex="-1" role="dialog" aria-labelledby="modal--search-title"><div class="modal-dialog" role="document"><div class="modal-content"><div class="modal-body d-flex flex-column justify-content-between"><div class="sidebar__search pt-10 mt-3"><button type="button" class="modal-close" data-bs-dismiss="modal" aria-label="Close Search"><svg><use href="#custom--modal-close-light"></use></svg><span class="sr-only">Close search dialog</span></button><div id="modal--search-title">What are you looking for?</div><form method="GET" action="/search-results" data-pristine-validate=""><div class="form-group d-flex flex-row flex-wrap justify-content-between align-items-center align-content-center search__form"><label for="siteSearch" class="text-uppercase"><strong>Search</strong></label> <input name="q" id="siteSearch" class="form-control" type="text" required=""> <button type="submit" class="search-submit"><svg class="bs-icon"><use href="#custom--search"></use></svg><span class="sr-only">Start Site Search</span></button></div></form><div class="search__helpful"><p class="search__helpful-title text-uppercase"><strong>Helpful Links</strong></p><ul class="banno-menu menu-e113f2a0-d530-11eb-a5ef-0242bf624d5b">
242                       <li class="menu-internal">
243        <a href="/financial-calculators">Financial Calculators</a>
244        
245      </li><li class="menu-internal">
246        <a href="/connect/contact/contact-us">Contact Us</a>
247        
248      </li><li class="menu-internal">
249        <a href="/connect/contact/locations-and-hours">Locations & ATMs</a>
250        
251      </li>
252                     </ul></div></div><div class="sidebar__bottom"><div class="mb-2 sidebar__copy"><label for="routingNumber2"><svg class="me-1"><use href="#custom--routing"></use></svg>Routing #</label> <span class="sidebar__copy-btn" data-bs-tooltipclass="custom-tooltip" data-bs-toggle="tooltip" data-bs-placement="bottom" data-bs-title="Click to copy"><input type="text" value="272481855" id="routingNumber2"></span></div><div><a class="sidebar__btn" href="tel:+12693827800" aria-label="Call Kalsee Credit Union"><svg><use href="#custom--phone"></use></svg><span>269-382-7800</span></a></div></div></div></div></div></div> <div class="modal fade" id="olbModal" tabindex="-1" role="dialog" aria-labelledby="modal--olb-title"><div class="modal-dialog modal-dialog-centered" role="document"><div class="modal-content"><button type="button" class="modal-close" data-bs-dismiss="modal" aria-label="Close Online Banking"><svg><use href="#custom--modal-close-light"></use></svg><span class="sr-only">Close login dialog</span></button><div class="modal-body"><div class="sr-only" id="modal--olb-title">Online Banking</div><iframe src="https://www.itsme247.com/238/authentication/username?overlay=1" frameborder="0" title="Online Banking"></iframe> </div></div></div></div><div id="main" tabindex="-1" role="main"><div class="subpage-hero bg-noise pt-3 pb-6 pt-xl-5 pb-xl-9"><div class="container-lg"><div class="row align-items-center"><div class="col-sm-8 offset-sm-2 offset-lg-0 col-lg-7 col-xl-5 offset-xl-1 text-center text-lg-start text-light"><h1 class="page-title">Blog</h1><div class="mt-3 remove-blank"><div class="content cms-tip remove-blank" data-content-block="bannerContent" data-content="content" data-editable="editable"> <div><hr><span class="big">Here, you'll find a wealth of information designed to help you navigate your financial journey with confidence.</span></div>
253<div> </div>
254<div><span class="big">Stay tuned for regular updates, expert advice, and stories from our community. Together, we can achieve financial wellness and build a brighter future.</span></div>  </div></div></div><div class="col-sm-8 offset-sm-2 offset-lg-0 col-lg-5 col-xl-4 offset-xl-1 mt-4 mt-lg-0 remove-blank"><div class="eyebrows--light-teal mb-4 text-center text-lg-start" data-animate="fadeInUp" data-animate-delay="200"><strong><span class="big">Featured Post</span></strong></div><div class="bg-white" data-animate="fadeInUp"><div data-content-block="blogFeaturedArea" data-content="content" data-editable="editable" class="content blog--cms-tip blog--featured-container"> <div class="row justify-content-center">
255<div class="blog--content article-card article-card--show">
256<div class="article-card__box bg-white position-relative rounded overflow-hidden">
257<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Loans</div>
258<div class="blog--image"><img alt="" class="w-100" src="/assets/files/TJBWWyTM/smart-ways-to-use-heloc-blog-header.jpg"></div>
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261<h2 class="blog--title"><a href="/articles/7-smart-ways-to-use-a-heloc">7 Smart Ways to Use a HELOC</a></h2>
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287<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Loans</div>
288<div class="blog--image"><img alt="" class="w-100" src="/assets/files/RwcPG2yw/how-to-use-heloc-responsibly-blog-header.jpeg"></div>
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290<div class="mb-3">
291<h2 class="blog--title"><a href="/articles/how-to-use-a-heloc-responsibly-7-simple-guidelines">How to Use a HELOC Responsibly: 7 Simple Guidelines</a></h2>
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293<div class="blog--excerpt">A Home Equity Line of Credit can be a flexible way to use the value you’ve b...</div>
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300<div class="blog--image"><img alt="" class="w-100" src="/assets/files/D3XJfs88/how-fuel-efficient-vehicles-save-blog-header.jpg"></div>
301<div class="blog--text article-card__text p-3">
302<div class="mb-3">
303<h2 class="blog--title"><a href="/articles/drive-smarter-how-fuel-efficient-vehicles-can-save-you-more-than-you-think">Drive Smarter: How Fuel-Efficient Vehicles Can Save You More Than You Think</a></h2>
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305<div class="blog--excerpt">Buying a vehicle is a big decision, and the smartest choice goes beyond the sticker ...</div>
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311<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Fraud & Security</div>
312<div class="blog--image"><img alt="Scammers Taking Control of Phones and Draining Accounts" class="w-100" src="/assets/files/bYZtywDP/scammers-taking-control-of-phones-blog-header.jpg"></div>
313<div class="blog--text article-card__text p-3">
314<div class="mb-3">
315<h2 class="blog--title"><a href="/articles/protect-yourself-scammers-taking-control-of-phones-and-draining-accounts">Protect Yourself: Scammers Taking Control of Phones and Draining Accounts</a></h2>
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324<div class="blog--image"><img alt="" class="w-100" src="/assets/files/GShra25i/where-to-put-your-tax-return-blog-header.jpeg"></div>
325<div class="blog--text article-card__text p-3">
326<div class="mb-3">
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335<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Fraud & Security</div>
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348<div class="blog--image"><img alt="" class="w-100" src="/assets/files/VyWnA6GT/understanding-home-buying-costs-blog-header.jpeg"></div>
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384<div class="blog--image"><img alt="" class="w-100" src="/assets/files/ERvdXUaS/foundations-of-strong-budget-part-5-blog-header.jpg"></div>
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444<div class="blog--image"><img alt="" class="w-100" src="/assets/files/nA9c4wzt/common-holiday-scams-blog-header.jpg"></div>
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468<div class="blog--image"><img alt="" class="w-100" src="/assets/files/2um2Kthp/kalsee-dome-next-level-sports-center-blog-header.jpg"></div>
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548</div>
549<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
550<div class="article-card__box bg-white position-relative rounded overflow-hidden">
551<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Loans</div>
552<div class="blog--image"><img alt="leasing vs buying a car header image" class="w-100" src="/assets/files/qvmfhiGo/leasing-vs-buying-a-car-blog-header.jpg"></div>
553<div class="blog--text article-card__text p-3">
554<div class="mb-3">
555<h2 class="blog--title"><a href="/articles/leasing-vs-buying-a-new-car">Leasing vs. Buying a New Car</a></h2>
556</div>
557<div class="blog--excerpt">Deciding between leasing or financing a car isn’t just about monthly payments—it’s a...</div>
558</div>
559</div>
560</div>
561<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
562<div class="article-card__box bg-white position-relative rounded overflow-hidden">
563<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Budgeting & Spending</div>
564<div class="blog--image"><img alt="know your checking account header image" class="w-100" src="/assets/files/zyxs9hme/know-your-checking-account-blog-header.jpg"></div>
565<div class="blog--text article-card__text p-3">
566<div class="mb-3">
567<h2 class="blog--title"><a href="/articles/know-your-checking-account">Know Your Checking Account</a></h2>
568</div>
569<div class="blog--excerpt">Checks may feel outdated, but they’re far from extinct. This guide explores why chec...</div>
570</div>
571</div>
572</div>
573<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
574<div class="article-card__box bg-white position-relative rounded overflow-hidden">
575<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Budgeting & Spending</div>
576<div class="blog--image"><img alt="building a budget header image" class="w-100" src="/assets/files/fanCjjtx/building-a-budget-blog-header.jpg"></div>
577<div class="blog--text article-card__text p-3">
578<div class="mb-3">
579<h2 class="blog--title"><a href="/articles/building-a-budget">Building a Budget</a></h2>
580</div>
581<div class="blog--excerpt">Budgeting doesn’t have to be complicated or restrictive. The 50/30/20 method offers ...</div>
582</div>
583</div>
584</div>
585<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
586<div class="article-card__box bg-white position-relative rounded overflow-hidden">
587<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Income & Jobs</div>
588<div class="blog--image"><img alt="" class="w-100" src="/assets/files/ftFIrhrm/life-after-grad-blog-header.jpg"></div>
589<div class="blog--text article-card__text p-3">
590<div class="mb-3">
591<h2 class="blog--title"><a href="/articles/life-after-grad-work-or-college">Life After Grad: Work or College?</a></h2>
592</div>
593<div class="blog--excerpt">Choosing a career can feel overwhelming, but exploring your options through self-ass...</div>
594</div>
595</div>
596</div>
597<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
598<div class="article-card__box bg-white position-relative rounded overflow-hidden">
599<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Youth</div>
600<div class="blog--image"><img alt="" class="w-100" src="/assets/files/cWu54nlE/4-simple-steps-to-your-kids-financial-wellness-blog-header.jpg"></div>
601<div class="blog--text article-card__text p-3">
602<div class="mb-3">
603<h2 class="blog--title"><a href="/articles/4-simple-steps-to-your-kids-financial-wellness">4 Simple Steps to Your Kids' Financial Wellness</a></h2>
604</div>
605<div class="blog--excerpt">Teaching kids smart money habits early pays off. With Kalsee’s fun financial educati...</div>
606</div>
607</div>
608</div>
609<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
610<div class="article-card__box bg-white position-relative rounded overflow-hidden">
611<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Youth</div>
612<div class="blog--image"><img alt="" class="w-100" src="/assets/files/nLriquoS/saving-money-youth-blog-header.jpg"></div>
613<div class="blog--text article-card__text p-3">
614<div class="mb-3">
615<h2 class="blog--title"><a href="/articles/saving-money">Saving Money</a></h2>
616</div>
617<div class="blog--excerpt">You can keep your money in a piggy bank or a savings account. A piggy bank is easy t...</div>
618</div>
619</div>
620</div>
621<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
622<div class="article-card__box bg-white position-relative rounded overflow-hidden">
623<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Fraud & Security</div>
624<div class="blog--image"><img alt="" class="w-100" src="/assets/files/CjQZEXlw/how-to-spot-scams-blog-header.jpg"></div>
625<div class="blog--text article-card__text p-3">
626<div class="mb-3">
627<h2 class="blog--title"><a href="/articles/how-to-spot-scams">How to Spot Scams</a></h2>
628</div>
629<div class="blog--excerpt">Scammers use urgency, authority, and fake credibility to trigger panic and bypass yo...</div>
630</div>
631</div>
632</div>
633<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
634<div class="article-card__box bg-white position-relative rounded overflow-hidden">
635<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Investing & Retirement</div>
636<div class="blog--image"><img alt="" class="w-100" src="/assets/files/hu7r2ls3/investment-vehicles-blog-header.jpg"></div>
637<div class="blog--text article-card__text p-3">
638<div class="mb-3">
639<h2 class="blog--title"><a href="/articles/investment-vehicles">Investment Vehicles</a></h2>
640</div>
641<div class="blog--excerpt">Time is one of the most powerful tools in investing. This guide breaks down how time...</div>
642</div>
643</div>
644</div>
645<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
646<div class="article-card__box bg-white position-relative rounded overflow-hidden">
647<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Fraud & Security</div>
648<div class="blog--image"><img alt="" class="w-100" src="/assets/files/4j6ixn99/decoding-cryptocurrency-blog-header.jpg"></div>
649<div class="blog--text article-card__text p-3">
650<div class="mb-3">
651<h2 class="blog--title"><a href="/articles/decoding-cryptocurrency">Decoding Cryptocurrency</a></h2>
652</div>
653<div class="blog--excerpt">Crypto scams are on the rise, with schemes like phishing, Ponzi setups, fake wallets...</div>
654</div>
655</div>
656</div>
657<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
658<div class="article-card__box bg-white position-relative rounded overflow-hidden">
659<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Youth</div>
660<div class="blog--image"><img alt="" class="w-100" src="/assets/files/F7dphLfY/borrowing-money-youth-blog-header.jpg"></div>
661<div class="blog--text article-card__text p-3">
662<div class="mb-3">
663<h2 class="blog--title"><a href="/articles/borrowing-money">Borrowing Money</a></h2>
664</div>
665<div class="blog--excerpt">People borrow money even though it costs extra (called interest) for three main reas...</div>
666</div>
667</div>
668</div>
669<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
670<div class="article-card__box bg-white position-relative rounded overflow-hidden">
671<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Income & Jobs</div>
672<div class="blog--image"><img alt="" class="w-100" src="/assets/files/mn72LfAt/writing-business-plan-blog-header.jpg"></div>
673<div class="blog--text article-card__text p-3">
674<div class="mb-3">
675<h2 class="blog--title"><a href="/articles/writing-a-business-plan">Writing a Business Plan</a></h2>
676</div>
677<div class="blog--excerpt">The best time to write a business plan is anytime you need clarity—whether you're ex...</div>
678</div>
679</div>
680</div>
681<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
682<div class="article-card__box bg-white position-relative rounded overflow-hidden">
683<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Income & Jobs</div>
684<div class="blog--image"><img alt="" class="w-100" src="/assets/files/RmJpb6b5/working-from-home-blog-header.jpg"></div>
685<div class="blog--text article-card__text p-3">
686<div class="mb-3">
687<h2 class="blog--title"><a href="/articles/working-from-home">Working From Home</a></h2>
688</div>
689<div class="blog--excerpt">What you wear while working from home can impact your mindset and productivity. Dres...</div>
690</div>
691</div>
692</div>
693<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
694<div class="article-card__box bg-white position-relative rounded overflow-hidden">
695<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Investing & Retirement</div>
696<div class="blog--image"><img alt="" class="w-100" src="/assets/files/roGT4ELG/history-of-wall-street-bull-blog-header.jpg"></div>
697<div class="blog--text article-card__text p-3">
698<div class="mb-3">
699<h2 class="blog--title"><a href="/articles/trends-in-the-stock-market">The Secret History of the Wall Street Bull</a></h2>
700</div>
701<div class="blog--excerpt">Wall Street’s iconic Charging Bull wasn’t city-sanctioned—it was guerrilla art. Inst...</div>
702</div>
703</div>
704</div>
705<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
706<div class="article-card__box bg-white position-relative rounded overflow-hidden">
707<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Investing & Retirement</div>
708<div class="blog--image"><img alt="" class="w-100" src="/assets/content/WWE3pm2p/saving-for-retirement-blog-header.jpg"></div>
709<div class="blog--text article-card__text p-3">
710<div class="mb-3">
711<h2 class="blog--title"><a href="/articles/saving-for-retirement">Saving for Retirement</a></h2>
712</div>
713<div class="blog--excerpt">Small money habits can lead to big retirement gains. This guide shares five practica...</div>
714</div>
715</div>
716</div>
717<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
718<div class="article-card__box bg-white position-relative rounded overflow-hidden">
719<div c
719lass="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Credit Unions</div>
720<div class="blog--image"><img alt="" class="w-100" src="/assets/files/wK2iZH4v/credit-union-myths-blog-header.jpg"></div>
721<div class="blog--text article-card__text p-3">
722<div class="mb-3">
723<h2 class="blog--title"><a href="/articles/credit-union-myths">Credit Union Myths</a></h2>
724</div>
725<div class="blog--excerpt">Being a credit union member means more than just having an account—you’re a part-own...</div>
726</div>
727</div>
728</div>
729<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
730<div class="article-card__box bg-white position-relative rounded overflow-hidden">
731<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Youth</div>
732<div class="blog--image"><img alt="" class="w-100" src="/assets/files/MIsys7TN/making-money-youth-blog-header.jpg"></div>
733<div class="blog--text article-card__text p-3">
734<div class="mb-3">
735<h2 class="blog--title"><a href="/articles/making-money">Making Money</a></h2>
736</div>
737<div class="blog--excerpt">People earn money in different ways: a wage (money per hour), a salary (set yearly a...</div>
738</div>
739</div>
740</div>
741<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
742<div class="article-card__box bg-white position-relative rounded overflow-hidden">
743<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Investing & Retirement</div>
744<div class="blog--image"><img alt="" class="w-100" src="/assets/files/fyCyEfNL/compound-interest-rule-of-72-blog-header.jpg"></div>
745<div class="blog--text article-card__text p-3">
746<div class="mb-3">
747<h2 class="blog--title"><a href="/articles/compound-interest-rule-of-72">Compound Interest Rule of 72</a></h2>
748</div>
749<div class="blog--excerpt">Low interest rates may limit returns, but smart investing is still possible. This gu...</div>
750</div>
751</div>
752</div>
753<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
754<div class="article-card__box bg-white position-relative rounded overflow-hidden">
755<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Fraud & Security</div>
756<div class="blog--image"><img alt="" class="w-100" src="/assets/files/tuWJs0Ic/foiling-identity-theft-blog-header.jpg"></div>
757<div class="blog--text article-card__text p-3">
758<div class="mb-3">
759<h2 class="blog--title"><a href="/articles/foiling-identity-theft">Foiling Identity Theft</a></h2>
760</div>
761<div class="blog--excerpt">Identity thieves are after more than just your passwords—they target your trash, pho...</div>
762</div>
763</div>
764</div>
765<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
766<div class="article-card__box bg-white position-relative rounded overflow-hidden">
767<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Youth</div>
768<div class="blog--image"><img alt="" class="w-100" src="/assets/files/6MUdwYRe/spending-money-youth-blog-header.jpg"></div>
769<div class="blog--text article-card__text p-3">
770<div class="mb-3">
771<h2 class="blog--title"><a href="/articles/spending-money">Spending Money</a></h2>
772</div>
773<div class="blog--excerpt">Every time you make a choice, you give up other options—that’s called opportunity co...</div>
774</div>
775</div>
776</div>
777<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
778<div class="article-card__box bg-white position-relative rounded overflow-hidden">
779<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Youth</div>
780<div class="blog--image"><img alt="" class="w-100" src="/assets/files/lTX8DtmM/growing-money-youth-blog-header.jpg"></div>
781<div class="blog--text article-card__text p-3">
782<div class="mb-3">
783<h2 class="blog--title"><a href="/articles/growing-money">Growing Money</a></h2>
784</div>
785<div class="blog--excerpt">Saving is safe but grows your money slowly. Investing can help it grow faster—but th...</div>
786</div>
787</div>
788</div>
789<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
790<div class="article-card__box bg-white position-relative rounded overflow-hidden">
791<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Saving</div>
792<div class="blog--image"><img alt="" class="w-100" src="/assets/files/eFFsA0UE/whats-your-saving-style-blog-header.jpg"></div>
793<div class="blog--text article-card__text p-3">
794<div class="mb-3">
795<h2 class="blog--title"><a href="/articles/personality-quiz">Personality Quiz - What's Your Saving Style?</a></h2>
796</div>
797<div class="blog--excerpt">From family chats to financial blogs, your go-to sources for money advice reflect yo...</div>
798</div>
799</div>
800</div>
801<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
802<div class="article-card__box bg-white position-relative rounded overflow-hidden">
803<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Income & Jobs</div>
804<div class="blog--image"><img alt="" class="w-100" src="/assets/files/f0ukwRI9/401-k-rollovers-blog-header.jpg"></div>
805<div class="blog--text article-card__text p-3">
806<div class="mb-3">
807<h2 class="blog--title"><a href="/articles/5-pros-and-cons-of-401k-rollovers">5 Pros & Cons of 401(K) Rollovers</a></h2>
808</div>
809<div class="blog--excerpt">If you’ve left a job, deciding whether to roll over your 401(k) or leave it can impa...</div>
810</div>
811</div>
812</div>
813<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
814<div class="article-card__box bg-white position-relative rounded overflow-hidden">
815<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Credit Unions</div>
816<div class="blog--image"><img alt="" class="w-100" src="/assets/files/h7Ce9rUi/choosing-financial-institution-blog-header.jpg"></div>
817<div class="blog--text article-card__text p-3">
818<div class="mb-3">
819<h2 class="blog--title"><a href="/articles/choosing-your-financial-institution">Choosing Your Financial Institution</a></h2>
820</div>
821<div class="blog--excerpt">Choosing where to keep your money matters. While banks operate for profit, credit un...</div>
822</div>
823</div>
824</div>
825<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
826<div class="article-card__box bg-white position-relative rounded overflow-hidden">
827<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Income & Jobs</div>
828<div class="blog--image"><img alt="" class="w-100" src="/assets/files/lGuBL2Wj/acing-job-interview-blog-header.jpg"></div>
829<div class="blog--text article-card__text p-3">
830<div class="mb-3">
831<h2 class="blog--title"><a href="/articles/acing-the-job-interview">Acing the Job Interview</a></h2>
832</div>
833<div class="blog--excerpt">Even the best-prepared candidates can feel anxious before interviews—but reframing y...</div>
834</div>
835</div>
836</div>
837<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
838<div class="article-card__box bg-white position-relative rounded overflow-hidden">
839<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Investing & Retirement</div>
840<div class="blog--image"><img alt="" class="w-100" src="/assets/files/HF3DLrhD/benefits-compound-interest-blog-header.jpg"></div>
841<div class="blog--text article-card__text p-3">
842<div class="mb-3">
843<h2 class="blog--title"><a href="/articles/compound-interest-mind-bend">The Benefits of Compound Interest</a></h2>
844</div>
845<div class="blog--excerpt">Compound interest rewards early savers—but many young adults aren’t taking full adva...</div>
846</div>
847</div>
848</div>
849<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
850<div class="article-card__box bg-white position-relative rounded overflow-hidden">
851<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Credit Unions</div>
852<div class="blog--image"><img alt="" class="w-100" src="/assets/files/UKmUKDUj/credit-union-history-blog-header.jpg"></div>
853<div class="blog--text article-card__text p-3">
854<div class="mb-3">
855<h2 class="blog--title"><a href="/articles/credit-union-history">Credit Union History</a></h2>
856</div>
857<div class="blog--excerpt">Credit unions are member-owned, community-focused financial co-operatives built on v...</div>
858</div>
859</div>
860</div>
861<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
862<div class="article-card__box bg-white position-relative rounded overflow-hidden">
863<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Saving</div>
864<div class="blog--image"><img alt="understanding inflation header image" class="w-100" src="/assets/files/eUdKKAjQ/understanding-inflation-blog-header.jpg"></div>
865<div class="blog--text article-card__text p-3">
866<div class="mb-3">
867<h2 class="blog--title"><a href="/articles/understanding-inflation">Understanding Inflation</a></h2>
868</div>
869<div class="blog--excerpt">Inflation quietly eats away at your savings—but you can fight back. This guide shows...</div>
870</div>
871</div>
872</div>
873<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
874<div class="article-card__box bg-white position-relative rounded overflow-hidden">
875<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Youth</div>
876<div class="blog--image"><img alt="" class="w-100" src="/assets/files/QSja30QH/giving-money-youth-blog-header.jpg"></div>
877<div class="blog--text article-card__text p-3">
878<div class="mb-3">
879<h2 class="blog--title"><a href="/articles/giving-money">Giving Money</a></h2>
880</div>
881<div class="blog--excerpt">Use three jars—Spend, Save, and Give—to manage your money smartly. Spend on fun stuf...</div>
882</div>
883</div>
884</div>
885<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
886<div class="article-card__box bg-white position-relative rounded overflow-hidden">
887<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Saving</div>
888<div class="blog--image"><img alt="" class="w-100" src="/assets/files/dIg856ZK/guaranteed-deposits-blog-header.jpg"></div>
889<div class="blog--text article-card__text p-3">
890<div class="mb-3">
891<h2 class="blog--title"><a href="/articles/guaranteed-deposits">Guaranteed Deposits</a></h2>
892</div>
893<div class="blog--excerpt">
893Looking for a low-risk way to grow your savings? Certificates of Deposit (CDs) offer...</div>
894</div>
895</div>
896</div>
897<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
898<div class="article-card__box bg-white position-relative rounded overflow-hidden">
899<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Budgeting & Spending</div>
900<div class="blog--image"><img alt="responding to financial emergencies header image" class="w-100" src="/assets/files/gKppSOqR/responding-to-financial-emergencies-blog-header.jpg"></div>
901<div class="blog--text article-card__text p-3">
902<div class="mb-3">
903<h2 class="blog--title"><a href="/articles/responding-to-financial-emergencies">Responding to Financial Emergencies</a></h2>
904</div>
905<div class="blog--excerpt">Financial emergencies can hit hard—but with the right steps, you can regain control....</div>
906</div>
907</div>
908</div>
909<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
910<div class="article-card__box bg-white position-relative rounded overflow-hidden">
911<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Budgeting & Spending</div>
912<div class="blog--image"><img alt="growing your money locally header image" class="w-100" src="/assets/files/PRp8tk2N/growing-your-money-locally-blog-header.jpg"></div>
913<div class="blog--text article-card__text p-3">
914<div class="mb-3">
915<h2 class="blog--title"><a href="/articles/growing-your-money-locally">Growing Your Money Locally</a></h2>
916</div>
917<div class="blog--excerpt">You don’t need to spend money to support your community. This guide shares five free...</div>
918</div>
919</div>
920</div>
921<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
922<div class="article-card__box bg-white position-relative rounded overflow-hidden">
923<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Budgeting & Spending</div>
924<div class="blog--image"><img alt="" class="w-100" src="/assets/files/vAji9cMt/living-on-your-own-blog-header.jpg"></div>
925<div class="blog--text article-card__text p-3">
926<div class="mb-3">
927<h2 class="blog--title"><a href="/articles/living-on-your-own">Living On Your Own</a></h2>
928</div>
929<div class="blog--excerpt">Living on your own means freedom—and bills. This guide shows how setting a regular “...</div>
930</div>
931</div>
932</div>
933<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
934<div class="article-card__box bg-white position-relative rounded overflow-hidden">
935<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Budgeting & Spending</div>
936<div class="blog--image"><img alt="let's talk taxes header image" class="w-100" src="/assets/files/QbyJGhQh/lets-talk-taxes-blog-header.jpg"></div>
937<div class="blog--text article-card__text p-3">
938<div class="mb-3">
939<h2 class="blog--title"><a href="/articles/lets-talk-taxes">Let's Talk Taxes</a></h2>
940</div>
941<div class="blog--excerpt">Your paycheck withholdings don’t have to be a mystery—or a missed opportunity. This ...</div>
942</div>
943</div>
944</div>
945<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
946<div class="article-card__box bg-white position-relative rounded overflow-hidden">
947<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Credit & Debt</div>
948<div class="blog--image"><img alt="" class="w-100" src="/assets/files/WKSMl1KV/taking-mystery-out-of-credit-scores-blog-header.jpg"></div>
949<div class="blog--text article-card__text p-3">
950<div class="mb-3">
951<h2 class="blog--title"><a href="/articles/taking-the-mystery-out-of-credit-scores">Taking the Mystery out of Credit Scores</a></h2>
952</div>
953<div class="blog--excerpt">A credit score is a three-digit number between 300 and 850 that’s calculated by cred...</div>
954</div>
955</div>
956</div>
957<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
958<div class="article-card__box bg-white position-relative rounded overflow-hidden">
959<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Fraud & Security</div>
960<div class="blog--image"><img alt="organizing your financial documents, keep or toss header image" class="w-100" src="/assets/files/2kxyF6GL/keep-or-toss-blog-header.jpg"></div>
961<div class="blog--text article-card__text p-3">
962<div class="mb-3">
963<h2 class="blog--title"><a href="/articles/organizing-your-finances">Financial Documents - What Do You Need?</a></h2>
964</div>
965<div class="blog--excerpt">Not sure what to keep and what to shred? This guide breaks down how long to hang ont...</div>
966</div>
967</div>
968</div>
969<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
970<div class="article-card__box bg-white position-relative rounded overflow-hidden">
971<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Budgeting & Spending</div>
972<div class="blog--image"><img alt="paying for pets header image" class="w-100" src="/assets/files/ydW7pv1P/paying-for-pets-blog-header.jpg"></div>
973<div class="blog--text article-card__text p-3">
974<div class="mb-3">
975<h2 class="blog--title"><a href="/articles/paying-for-pets">Paying for Pets</a></h2>
976</div>
977<div class="blog--excerpt">Pets bring joy—but also unexpected costs. This guide highlights three often-overlook...</div>
978</div>
979</div>
980</div>
981<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
982<div class="article-card__box bg-white position-relative rounded overflow-hidden">
983<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Loans</div>
984<div class="blog--image"><img alt="" class="w-100" src="/assets/files/4IVsOmsf/student-loans-101-blog-header.jpg"></div>
985<div class="blog--text article-card__text p-3">
986<div class="mb-3">
987<h2 class="blog--title"><a href="/articles/student-loans-101">Student Loans 101</a></h2>
988</div>
989<div class="blog--excerpt">Before taking out a student loan, explore ways to cut college costs upfront. This gu...</div>
990</div>
991</div>
992</div>
993<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
994<div class="article-card__box bg-white position-relative rounded overflow-hidden">
995<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Budgeting & Spending</div>
996<div class="blog--image"><img alt="intro to insurance header image" class="w-100" src="/assets/files/PVg4T0kc/intro-to-insurance-blog-header.jpg"></div>
997<div class="blog--text article-card__text p-3">
998<div class="mb-3">
999<h2 class="blog--title"><a href="/articles/intro-to-insurance">Intro to Insurance</a></h2>
1000</div>
1001<div class="blog--excerpt">Insurance isn’t an investment—it’s protection. This guide helps you rethink how insu...</div>
1002</div>
1003</div>
1004</div>
1005<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
1006<div class="article-card__box bg-white position-relative rounded overflow-hidden">
1007<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Credit & Debt</div>
1008<div class="blog--image"><img alt="" class="w-100" src="/assets/files/D5bFBylI/breakdown-of-a-credit-score-blog-header.jpg"></div>
1009<div class="blog--text article-card__text p-3">
1010<div class="mb-3">
1011<h2 class="blog--title"><a href="/articles/breakdown-of-a-credit-score">Breakdown of a Credit Score</a></h2>
1012</div>
1013<div class="blog--excerpt">Credit scores may seem mysterious, but they’re built on simple habits. This guide ex...</div>
1014</div>
1015</div>
1016</div>
1017<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
1018<div class="article-card__box bg-white position-relative rounded overflow-hidden">
1019<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Budgeting & Spending</div>
1020<div class="blog--image"><img alt="how to save on groceries header image" class="w-100" src="/assets/files/8TasfOvH/how-to-save-on-groceries-blog-header.jpg"></div>
1021<div class="blog--text article-card__text p-3">
1022<div class="mb-3">
1023<h2 class="blog--title"><a href="/articles/how-to-save-on-groceries">
1023How to Save on Groceries</a></h2>
1024</div>
1025<div class="blog--excerpt">Want to save big without changing your shopping list? Switching from name brands to ...</div>
1026</div>
1027</div>
1028</div>
1029<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
1030<div class="article-card__box bg-white position-relative rounded overflow-hidden">
1031<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Budgeting & Spending</div>
1032<div class="blog--image"><img alt="owning vs renting a home header image" class="w-100" src="/assets/files/pw9vSBrg/owning-vs-renting-a-home-blog-header.jpg"></div>
1033<div class="blog--text article-card__text p-3">
1034<div class="mb-3">
1035<h2 class="blog--title"><a href="/articles/owning-vs-renting-a-home">Owning vs. Renting a Home</a></h2>
1036</div>
1037<div class="blog--excerpt">Deciding whether to rent or buy a home isn’t one-size-fits-all. This guide breaks do...</div>
1038</div>
1039</div>
1040</div>
1041<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
1042<div class="article-card__box bg-white position-relative rounded overflow-hidden">
1043<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Budgeting & Spending</div>
1044<div class="blog--image"><img alt="strategies for debt repayment header image" class="w-100" src="/assets/files/Kr0Ibnqd/strategies-for-debt-repayment-blog-header.jpg"></div>
1045<div class="blog--text article-card__text p-3">
1046<div class="mb-3">
1047<h2 class="blog--title"><a href="/articles/strategies-for-debt-repayment">Strategies for Debt Repayment</a></h2>
1048</div>
1049<div class="blog--excerpt">Consumer debt is both widespread and deeply personal—shaped by everything from life ...</div>
1050</div>
1051</div>
1052</div>
1053<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
1054<div class="article-card__box bg-white position-relative rounded overflow-hidden">
1055<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Budgeting & Spending</div>
1056<div class="blog--image"><img alt="comparing cards header image" class="w-100" src="/assets/files/KLs4aYrZ/comparing-cards-blog-header.jpg"></div>
1057<div class="blog--text article-card__text p-3">
1058<div class="mb-3">
1059<h2 class="blog--title"><a href="/articles/comparing-cards">Comparing Cards</a></h2>
1060</div>
1061<div class="blog--excerpt">Every purchase involves a quick but important decision: which card to use. This guid...</div>
1062</div>
1063</div>
1064</div>
1065<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
1066<div class="article-card__box bg-white position-relative rounded overflow-hidden">
1067<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Loans</div>
1068<div class="blog--image"><img alt="" class="w-100" src="/assets/files/nso4PaD6/buying-a-used-car-blog-header.jpg"></div>
1069<div class="blog--text article-card__text p-3">
1070<div class="mb-3">
1071<h2 class="blog--title"><a href="/articles/buying-a-used-car">Buying a Used Car</a></h2>
1072</div>
1073<div class="blog--excerpt">Buying a used car from a private seller can save you money—but it comes with risks. ...</div>
1074</div>
1075</div>
1076</div>
1077<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
1078<div class="article-card__box bg-white position-relative rounded overflow-hidden">
1079<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Budgeting & Spending</div>
1080<div class="blog--image"><img alt="good vs bad spending header image" class="w-100" src="/assets/files/I6NnpjO8/good-vs-bad-spending-blog-header.jpg"></div>
1081<div class="blog--text article-card__text p-3">
1082<div class="mb-3">
1083<h2 class="blog--title"><a href="/articles/good-vs-bad-spending">Good vs. Bad Spending</a></h2>
1084</div>
1085<div class="blog--excerpt">Budgeting isn’t just about numbers—it’s about mindset. This guide shows how using si...</div>
1086</div>
1087</div>
1088</div>
1089<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
1090<div class="article-card__box bg-white position-relative rounded overflow-hidden">
1091<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Credit & Debt</div>
1092<div class="blog--image"><img alt="" class="w-100" src="/assets/files/rsDf10OE/boost-your-credit-score-blog-header.jpg"></div>
1093<div class="blog--text article-card__text p-3">
1094<div class="mb-3">
1095<h2 class="blog--title"><a href="/articles/boost-your-credit-score">Boost Your Credit Score</a></h2>
1096</div>
1097<div class="blog--excerpt">Think credit scores are confusing or out of your control? This guide debunks four co...</div>
1098</div>
1099</div>
1100</div>
1101<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
1102<div class="article-card__box bg-white position-relative rounded overflow-hidden">
1103<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Loans</div>
1104<div class="blog--image"><img alt="" class="w-100" src="/assets/files/ip3FS72C/demystifying-mortgages-blog-header.jpg"></div>
1105<div class="blog--text article-card__text p-3">
1106<div class="mb-3">
1107<h2 class="blog--title"><a href="/articles/demystifying-mortgages">Demystifying Mortgages</a></h2>
1108</div>
1109<div class="blog--excerpt">Buying a home is more than a financial decision—it’s a personal one. This guide walk...</div>
1110</div>
1111</div>
1112</div>
1113<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
1114<div class="article-card__box bg-white position-relative rounded overflow-hidden">
1115<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Budgeting & Spending</div>
1116<div class="blog--image"><img alt="pay yourself first header image" class="w-100" src="/assets/files/aK3dLTRX/saving-strategy-pay-yourself-first-blog-header.jpg"></div>
1117<div class="blog--text article-card__text p-3">
1118<div class="mb-3">
1119<h2 class="blog--title"><a href="/articles/saving-strategy-pay-yourself-first">Saving Strategy: Pay Yourself First</a></h2>
1120</div>
1121<div class="blog--excerpt">Struggling to save consistently? Automating your savings takes willpower out of the ...</div>
1122</div>
1123</div>
1124</div>
1125<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
1126<div class="article-card__box bg-white position-relative rounded overflow-hidden">
1127<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Loans</div>
1128<div class="blog--image"><img alt="" class="w-100" src="/assets/files/xGboIfOz/using-credit-card-blog-header.jpg"></div>
1129<div class="blog--text article-card__text p-3">
1130<div class="mb-3">
1131<h2 class="blog--title"><a href="/articles/using-your-credit-card">Using Your Credit Card</a></h2>
1132</div>
1133<div class="blog--excerpt">Avoiding credit cards may seem smart, but it can actually limit your financial futur...</div>
1134</div>
1135</div>
1136</div>
1137<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
1138<div class="article-card__box bg-white position-relative rounded overflow-hidden">
1139<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Budgeting & Spending</div>
1140<div class="blog--image"><img alt="avoiding lifestyle creep header image" class="w-100" src="/assets/files/M5M70QZy/avoiding-lifestyle-creep-blog-header.jpg"></div>
1141<div class="blog--text article-card__text p-3">
1142<div class="mb-3">
1143<h2 class="blog--title"><a href="/articles/avoiding-lifestyle-creep">
1143Avoiding Lifestyle Creep</a></h2>
1144</div>
1145<div class="blog--excerpt">Earning more doesn’t have to mean spending more. This guide helps you recognize and ...</div>
1146</div>
1147</div>
1148</div>
1149<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
1150<div class="article-card__box bg-white position-relative rounded overflow-hidden">
1151<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Budgeting & Spending</div>
1152<div class="blog--image"><img alt="how to save on tuition header image" class="w-100" src="/assets/files/mQus3iA8/how-to-save-on-tuition-blog-header.jpg"></div>
1153<div class="blog--text article-card__text p-3">
1154<div class="mb-3">
1155<h2 class="blog--title"><a href="/articles/how-to-save-on-tuition">How to Save on Tuition</a></h2>
1156</div>
1157<div class="blog--excerpt">Scholarship applications take time—but a smart strategy makes them more efficient an...</div>
1158</div>
1159</div>
1160</div>
1161<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
1162<div class="article-card__box bg-white position-relative rounded overflow-hidden">
1163<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Loans</div>
1164<div class="blog--image"><img alt="" class="w-100" src="/assets/files/GwE149vG/loan-basics-blog-header.jpg"></div>
1165<div class="blog--text article-card__text p-3">
1166<div class="mb-3">
1167<h2 class="blog--title"><a href="/articles/loan-basics">Loan Basics</a></h2>
1168</div>
1169<div class="blog--excerpt">Loans can open doors—but only if they fit your budget and goals. This guide walks yo...</div>
1170</div>
1171</div>
1172</div>
1173<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
1174<div class="article-card__box bg-white position-relative rounded overflow-hidden">
1175<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Budgeting & Spending</div>
1176<div class="blog--image"><img alt="emergency fund boot camp header image" class="w-100" src="/assets/files/BZkKao7j/emergency-fund-boot-camp-blog-header.jpg"></div>
1177<div class="blog--text article-card__text p-3">
1178<div class="mb-3">
1179<h2 class="blog--title"><a href="/articles/emergency-fund-boot-camp">Emergency Fund Boot Camp</a></h2>
1180</div>
1181<div class="blog--excerpt">Life is unpredictable—and that’s exactly why an emergency fund is essential. This gu...</div>
1182</div>
1183</div>
1184</div>
1185<div class="blog--content article-card col-md-8 col-lg-4 mb-3 mb-md-0 ">
1186<div class="article-card__box bg-white position-relative rounded overflow-hidden">
1187<div class="article-card__category blog--category bg-default rounded-pill fw-bold xs px-15 py-05 me-2 mt-2 position-absolute top-0 end-0 text-uppercase text-white">Income & Jobs</div>
1188<div class="blog--image"><img alt="" class="w-100" src="/assets/files/HV9ZJFyz/income-essentials-blog-header.jpg"></div>
1189<div class="blog--text article-card__text p-3">
1190<div class="mb-3">
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1205<div class="blog--excerpt">Job loss affects more than just your bank account—it disrupts your routine, identity...</div>
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1227<h2 class="blog--title"><a href="/articles/budgeting-basics">Budgeting Basics</a></h2>
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