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Do You (or your children) Need a 529 Plan?
Should you start a 529 college savings plan for your child? Well, there are a lot of things to consider when making that decision once...
Pamela Ferguson
Oct 20, 20236 min read


Spend/Save/Give
Even the youngest of people can learn to budget by using the simple system of give, save, and spend. It’s similar to the 50/30/20 rule...
Pamela Ferguson
Sep 10, 20234 min read


Gross versus Net Income
When you get old enough to receive your own paycheck, you are introduced to the concept of gross versus net pay and also the world of...
Pamela Ferguson
Aug 28, 20235 min read


Needs vs Wants and How to Tell the Difference
One of the very first steps that you need to do in setting a personal budget is writing out your needs and wants. What I consider a want,...
Pamela Ferguson
Aug 27, 20234 min read


Cash, Debit Card, or Credit Card?
Getting in control of your finances can be a journey, but deciding how you travel along that journey is up to you. With spending, a...
Pamela Ferguson
Aug 15, 20237 min read


Budgeting
Budgeting is not a one size fits all approach. The best budget is the one that you’ll actually use. You can have “the best” one in the...
Pamela Ferguson
Aug 4, 20237 min read


Different Types of Interest Rates
In talking about interest rates, there are many different variations depending on the kind of debt and your needs. It will all make sense...
Pamela Ferguson
Jul 31, 20235 min read


Installment Vs Revolving Debt
There are so many different definitions and terms when it comes to finances that it can get overwhelming at times. Starting out with...
Pamela Ferguson
Jul 29, 20238 min read


Avoid ATM Fees
ATM USAGE: It really is the little daily decisions that make a difference in your daily financial life. A great tip is to use only the...
Pamela Ferguson
May 1, 20221 min read


Too Much Savings?
Is it possible to have TOO MUCH in savings? Would it surprise you if I answered YES??? If you've accumulated an emergency fund of more...
Pamela Ferguson
Apr 20, 20221 min read


Cash Envelopes
If you are someone that has a hard time sticking to your budget or constantly find yourself short before your next pay period, YOU may be...
Pamela Ferguson
Apr 20, 20221 min read


April Savings
The month of April has its fair share of spring deals and discounts, including: Vacuums. Buying a vacuum isn’t the most exciting thing,...
Pamela Ferguson
Apr 20, 20221 min read
Start Small, Think Big
For financial success, you need to start small and think big. If you're trying to reach a big goal, do you get overwhelmed with the...
Pamela Ferguson
Apr 20, 20221 min read
When Should You Save for Retirement?
When should you begin saving for retirement? What is the magic age? It would be easy to say...start saving for your retirement as early...
Pamela Ferguson
Apr 20, 20222 min read


Save Your Coins
Something that you can be doing everyday is saving your coins-literally. This applies to you and your children or family. Putting aside...
Pamela Ferguson
Apr 20, 20221 min read


Wait 24 Hours
Before you make the decision to make a big purchase, use the 24-Hour Rule. Avoid purchasing expensive or unnecessary items on impulse...
Pamela Ferguson
Apr 20, 20221 min read


What is Considered an Emergency?
So, you've saved enough money for an emergency fund, but what actually qualifies as an emergency??? A wedding? A new car? Those cute...
Pamela Ferguson
Mar 16, 20221 min read
How to Build Savings Easily
Some hard truth for you... If you see you have money in your checking account, you will spend it. Period. It's too liquid and available...
Pamela Ferguson
Mar 12, 20221 min read


Renter's Insurance
If you're renting, you may feel that you can't afford to add more additional cost to your monthly bill. That's especially true if you're...
Pamela Ferguson
Mar 7, 20221 min read


March Deals
MARCH is not a month where you find a lot of major shopping holidays. However, that doesn't mean that there aren't deals to be found. Tax...
Pamela Ferguson
Mar 7, 20221 min read
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