Archive for the ‘On Your Own’ Category

How safe are you online?

August 11th, 2011 madmin

Online banking makes managing money convenient for millions of American households. With a few clicks of a mouse, you can check deposits and pay bills, which helps save you time and gives you more control over your finances. MidWestOne Bank uses a combination of safeguards to protect your information online. These efforts include employee training, […]

How to tackle college debt

August 4th, 2011 Kim Ross

In the U.S., most college students these days carry more than a heavy class load –they also carry a significant amount of debt. It’s undeniable that a college education in the United States has become increasingly more costly for families and students. The numbers are staggering. The average college student is now around $22,900 in […]

Are you financially prepared for the unexpected – three tips you can’t afford to live without

July 18th, 2011 Jeff Burkhart

Emergencies can happen at any time – there’s simply no way around it. You lose your job. Your spouse falls ill. Or a loved one passes away. And while disasters – thankfully – don’t occur very frequently, it’s critical to make it a priority to prepare for the unexpected.  After all, it could be the […]

5 practical tips to help you save

July 12th, 2011 Melisa Henley

For many people, saving is a lot like being on a diet. You have to commit yourself to making a change in your life, be willing to give some things up and stay away from all the “bad” food – or in this case “bad” spending. Despite this, it doesn’t have to be difficult to […]

10 tips to help you avoid impulse buying

July 8th, 2011 Margaret Ratcliff

For some of us it’s a hobby, for other’s it’s a way to feel better after a bad day at school or work. Whatever the reason, or root cause, impulse buying is a dangerous habit that can quickly wreak havoc on your bank account and your life. This danger is especially acute if you don’t […]

Do you know what you spend?

June 20th, 2011 Doug Benjamin

Chances are, you probably know what you spend on your mortgage or rent, car payments and utilities. Most people know what they spend on the “big items,” but have no clue what they spend on the “little things.” Here’s the thing. When people learn how much they actually spend on the “little things,” they are […]

15 financial tips for college students

May 9th, 2011 Jeff Johnson

College is an exciting, fun and sometimes stressful time. In addition to classes, new friends and decisions about your future, you’re faced with your fair share of life lessons in money management. Money management can be daunting – especially if you’re just starting out. But it doesn’t have to be. To get you started on […]

Do you know where your money is going? 5 tips to track your money

April 11th, 2011 Sue Armbrecht

Most people underestimate the amount of money they are spending. That’s why it’s so important to monitor your expenses on a consistent basis. After all – if you want to save money, you need to know how much you’re spending. The concept of tracking money is pretty straightforward – write down how much money you […]

What is a credit score and how you can you improve it?

April 6th, 2011 Mike Finlayson

It is more than likely that at some point in your life you will need to borrow money – whether it’s to buy a house, a new car, or fund an unexpected emergency. When you do, lenders will review your credit score to decide whether you have suitable lending risk. While a high credit score […]

7 tips to managing your debt

April 5th, 2011 Cindi Schrock

Managing debt is an important skill to master – especially when you’re just starting off on your own. After all, as a young adult you’re laying the foundation for your future financial life. By following these simple tips, you will soon become a pro at debt management. 1. Always make your payments on time. The […]

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