My Experience is Your Gain

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Avoid Embarrassment

One of the reasons bank customers with checking accounts are willing to pay an average of $33 every time they have an overdraft is because they want to avoid embarrassment. Of course, average means that some Overdraft Fees are higher (as much as $39) and some are lower (around $25). Either way, that is a […]

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Budgeting is Not a Money Diet

Budgeting, Debt Reduction, Spending Tracking, Saving, or Income Protection. Where do I begin my Money Management journey? All of these areas are very important steps in the process. In fact, they are all topics that I teach and review during workshops, seminars, and one on one coaching. However, I would argue that none of these […]

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Why Didn’t My Credit Score Go Up?

One of the most important 3 digit numbers in your life is not your weight, unless you are talking about your physical health. In that case a “good” number is subjective and relative. One of the most important 3 digit numbers in your life related to your financial health is your credit score. Your credit […]

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You Want To Put Money Where?

When I started in banking over 30 years ago, there was mainly one card that was used by customers. That was a credit card. Today with the decreased use of checks and the increase in alternatives to banking, there has been an increase in the types of cards available to customers. In addition to credit […]

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Is a Credit Union a Small Bank?

During my many years in banking I worked for several banks. Some were big, national banks and some were small, community banks. Some were service oriented and others were sales oriented. Some said they were service oriented but were actually sales oriented. Why would they say that, you may ask? Because a service focus is […]

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Credit Score Priorities: Keep the Main Things the Main Things

Credit scores matter. There is no doubt about that. Especially if you are trying to get a credit card, purchase an automobile, or get a mortgage. However, many people do not know their credit score, what their score is made up of, and what can increase and/or decrease your credit score. Knowledge of this information […]

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Spoil Your Grandchildren With Money

It has been said that the best thing about grandchildren is that you get to spoil them and then send them back home to their parents. Grandparents love to spoil their grandchildren. They especially love to shower them with gifts, including toys and clothes. As I look on social media and see many excited new […]

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Love and Money Do Not Mix Well

In my humble opinion, “Until Death Do You Part” is associated with marriage and not other romantic relationships. What am I talking about you may ask? Sometimes boyfriends and girlfriends think they will be together forever, so they give each other privileges that I think should be reserved for marriage when there is a more […]

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Protect Your PIN Like Your SSN

It has always been important to protect your Social Security Number (SSN). It has become even more important with the increase in identity theft. You should keep your Social Security Card in a safe place, away from unsuspecting eyes, unless you need to have it for a specific purpose such as employment, account opening, or […]

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Looking For Love Can Cost Alot!

Graying hair, increased wrinkles, and slower steps are signs of aging and cause many to give more respect. Unfortunately, for others they are signs of vulnerability and opportunity. According to research millions of seniors are targeted for financial scams every year. That is so sad. There are several scams they fall prey to including funerals, […]

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