RG&E and NYSEG’s recent rate hike approval will soon be impacting it’s customers who are located in the Upstate & Rochester New York area in the coming months. Now is the time to review and evaluate your current household budget to see how that increased heat/electric bill is going to fit in. Inflation and […]
Review Your Budget Before Your Heating Bills Increase! Read More »
In the last couple of years, inflation has increased—reaching historic highs in June 2022 at 9.1%. While current inflation has fallen, experts say that it could stay high until 2026. One way to combat the unpredictability of these fluctuations is to keep a budget and manage your debt wisely. Not sure where to start?
Tips for Keeping a Budget During Fluctuating Inflation Read More »
Whether you’re traveling solo or with family, the start of summer often signals the beginning of vacation season. Yet, a recent survey from Bankrate reported that only 46% of adults plan to travel this summer, with affordability being the prime factor. Of those that are planning to brave high costs, 29% plan to take on
Budget-Friendly Ways to Travel Without Going Into Debt Read More »
Life moves fast. Between work, family, appointments, and everyday responsibilities, it can be hard to stay on top of it all—especially when it comes to managing your finances. That’s where credit and budget counseling can help. Certified credit counseling agencies offer a variety of financial services, including building a workable budget together. If you’re on
When to Consider Credit and Budget Counseling Read More »
A retail store credit card is a physical charge card that gives you credit for a specific retailer. The amount of credit given can vary depending on your current credit score. More credit is usually given to those with higher credit scores and less credit is typically given to applicants with lower credit scores.
Should you apply for a retail store credit card? Read More »
Community Reinvestment Act (CRA) credit is earned by financial institutions for meeting the credit needs of low- and moderate-income (LMI) individuals and communities. One way for a financial institution to earn CRA credit is by partnering with non-profit financial counseling agencies that serve LMI individuals and communities. To obtain CRA credit for working with a
What is the Community Reinvestment Act (CRA)? Read More »