September 2023

How to Stop Relying on Credit Cards: Cut Your Credit Card Debt

2023-09-15T12:22:16-04:00September 28th, 2023|Categories: Budget, Credit, Shopping|Tags: , , , |

In early August 2023, the Federal Reserve Bank of New York revealed that US consumer credit card debt surged to its highest level – topping $1 trillion.1 This upswing in credit card spending comes as individuals nationwide grapple with managing their finances amidst escalating prices. While rising credit card balances are worrisome, it’s the [...]

How to Cancel Subscriptions to Save Money

2023-09-14T12:47:10-04:00September 21st, 2023|Categories: Uncategorized|Tags: , , , , |

We all have them. We know they cost a small fortune. Yet, instead of deciding to cancel subscriptions, we find ourselves subscribing to even more. Businesses across all industries have found creative ways to cash in on this profitable business model – and consumers can’t resist clicking “subscribe.” While you and your wallet know it’s [...]

The “Say Yes” Scam is Coming Back

2023-09-14T12:48:50-04:00September 14th, 2023|Categories: Uncategorized|Tags: , , |

It seems like every day a new scam emerges as fraudsters attempt to separate you from your hard-earned money. While many of these ploys are extravagant and convincing, that doesn’t stop fraudsters from returning to their old tricks. That’s what is happening now as the “Say Yes” scam regains popularity. The sole purpose of this [...]

August 2023

Student Loan Payments Resuming Oct 1, 2023

2023-08-22T12:55:55-04:00August 24th, 2023|Categories: Student Loans Category|Tags: , , , , |

On March 13, 2020, most federal student loans went into “administrative forbearance” due to uncertainty surrounding the COVID-19 pandemic. During this time, your student loan had its interest rate set to 0% APR and loan payments were paused.1 Well, student loan payments are back. Starting September 1, 2023, interest will kick back in for the [...]

Meet Our 2023 College Scholarship Winner

2023-08-14T12:20:36-04:00August 17th, 2023|Categories: Uncategorized|Tags: , , , , |

Sydney Hayes graduated from Liverpool High School and is headed to Stony Brook University to study marine biology! Below are some of her extensive accomplishments throughout her time in high school. Top 3 for Excellence in Academic Achievement Excellence in Academic Achievement in Spanish National Junior Honor Society (9-10) National Honor Society (11-12) [...]

July 2023

7 Common Money Myths You Should Ignore

2023-07-21T13:10:29-04:00July 27th, 2023|Categories: Uncategorized|

Everyone has their own opinion when it comes to handling finances. While friends and family may offer well-intentioned guidance, not everything you hear is necessarily accurate or beneficial. Some of them are money myths, and can be misleading or misguided. This causes you to overlook opportunities or make poor financial decisions. To help right [...]

June 2023

Buying a Home When Mortgage Rates are Rising

2023-06-29T11:25:20-04:00June 29th, 2023|Categories: Mortgages Category|Tags: , , , , , |

Whenever you watch the news or read the latest headlines, someone claims that home ownership is no longer attainable due to rising mortgage rates. But, is it true? Or, is it just another thing to hype in the day’s news cycle? While mortgage rates are rising because of inflation, home ownership is still achievable today. [...]

Tips on Preparing for Home Improvements

2023-06-01T11:32:05-04:00June 1st, 2023|Categories: Uncategorized|

Your home is more than just a house. It’s where you create memories with your family, entertain friends, and relax after a hard day at work. As time passes, you want your home to keep up with your changing life and style. Home improvements are a great way to add value to your home and [...]

May 2023

Don’t Fall for These Text Scams

2023-05-25T09:42:55-04:00May 25th, 2023|Categories: Fraud Prevention|Tags: , , , , |

Millions of people fall victim to identity theft every year. The best way to protect yourself is to understand how popular scams work. However, once you become comfortable identifying them, fraudsters change it up and move to new methods. A new trend emerging involves fraudsters piggybacking off legitimate text alerts from financial institutions. These [...]

Spring Clean Your Credit Score!

2023-05-18T11:31:17-04:00May 18th, 2023|Categories: Credit, Education, Uncategorized|Tags: , , , , |

Your credit score is a number you need to know. This score is a numerical representation of your ability to pay your bills and maintain good credit use. Lenders of all types, some employers, insurance companies, and others use this score to determine how trustworthy and reliable you are. It pays to do your best [...]

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