Author: Erin Kynett

Halloween decorations are appearing in stores. Football season is getting underway. And in some parts of the country, the summer heat is still at its peak. Thinking about Thanksgiving and Christmas shopping might seem ridiculously early.  However, from a financial standpoint, this may be one of the best times to start. Holiday spending has a way of feeling sudden because so many extra expenses arrive within a few weeks – gifts, travel, meals, parties, and everything surrounding them. Meanwhile, the mortgage, car payment, utilities, groceries, and other regular expenses keep coming.  The holidays aren’t an unexpected financial emergency. They’re a…

The first week of school changes the rhythm of almost every household. Mornings start earlier, calendars fill up, lunches need to be packed, and after-school activities quickly become part of the week. It doesn’t take long before everyone is juggling a little more than they were just a few weeks earlier.  Back-to-school shopping usually gets most of the attention, but that’s only one day. The routine that follows lasts for months. Families who seem to move through the school year with less financial stress usually aren’t the ones with the biggest budgets. They’ve simply built a few routines that help…

The arrival of fall brings some much-needed relief from the scorching hot days of summer. The weather is cooler, the days are shorter, and winter is right around the corner. As you plan for the season ahead, it’s also a good time to give your home a little extra attention. While cleaning gutters or sealing windows might not sound like fun weekend plans, fall is the perfect season to get your house in top shape.  A little effort now can prevent big expenses later. Between winter storms, freezing temperatures, and the extra costs of the holiday season, your budget can easily feel stretched. Tackling…

Not too long ago, picking up dinner meant stopping at a restaurant on the way home, and shopping meant making a trip to the store. Today, meals, groceries, and countless everyday purchases can be delivered right to your doorstep with just a few taps on your phone.  Convenience has made life easier, but it’s also changed the way many of us spend money. Sometimes the extra cost is obvious. Other times, it’s built into fees, subscriptions, or interest charges, gradually becoming part of our monthly budgets. Understanding those trade-offs can help you make wiser financial decisions while still enjoying life’s little conveniences.  Why Convenience is So Powerful  Convenience isn’t about avoiding work. It’s about saving time. Businesses know that the easier…

Retirement planning is a long-term process that involves various investments, account types, and strategies. For some, their golden years are decades away, which can result in putting their retirement savings on the back burner for now.   However, when it comes to retirement savings, your best friend is time. The more time you can save and allow your investments to compound, the greater your nest egg will become. One account type suitable for savers of all ages comes with an extraordinary perk – guaranteed returns. It’s a feature rarely found in investing, and it’s possible through Share Certificate Accounts.  Understanding Certificates   A share certificate account (also called a certificate of deposit) is a type of deposit account that earns substantially more than traditional savings accounts. You choose the term and yield that…