Don’t blow big bucks on your Halloween décor when you can DIY for a fraction of the price! Check out our list of creative, fun and inexpensive projects to make your home the spookiest haunt on the block.
Your bags are packed, your itinerary is set and you’re counting down the minutes until you take off for your dream summer getaway. Before you head out, read through this checklist of important things people tend to forget before leaving for vacation.
The best way to teach a child financial responsibility is by encouraging her to earn and manage money on her own. As the weather warms and summer nears, there are many opportunities for your kids to pull in some extra money.
If money-making is not on your children’s minds, you may need to direct them toward that line of thinking. The next time they ask you to buy something that’s out of budget, tell them they can earn the money to buy it themselves. As an alternative, suggest that you’ll cover half the cost if they earn the other half. Talk to them about finding a summer job, the work they can do on weekends, or suggest a one-time gig they can initiate.
In honor of Youth Savings Month, let’s take a look at 9 easy ways your kids can earn some extra cash.
The sun is shining, the birds are chirping, the flowers are blooming—and your cluttered closets are calling. Time to roll up your sleeves and whip your home into shape. And yes, this means you! It’s been a long winter and you’ve let the clutter grow, all over your garage, across your basement and up into your attic crawl space. And your bedroom closets? We’re not even going there.
As always, Catholic Federal is here to help! Use this handy list of creative cleaning hacks to banish those dust bunnies without spending a fortune on organizers and cleaning solutions. Plus, you’ll be doing your part to help keep the planet green by skipping over those toxic cleansers this year.
Let’s get cleaning!
If you’re like most Americans, you owe money on a large loan. Whether that’s credit card debt, a mortgage and/or a car loan, loan debt is part of your life. And that means you’re looking at hundreds of dollars in interest over the life of the loan. There’s also the mental load of knowing you’ll be paying on the debt for years to come.
Did you know there are simple tricks you can employ to lighten the load? With a carefully applied technique, you can pay off your mortgage, auto loan, credit card debt and any other debt you’re carrying sooner than you thought possible. These tricks are light on your finances, but they can make a big difference to the total interest you’ll pay over the life of the loan and get you debt-free faster.
A note of caution: Check with your lender before employing any approach, as some loans have penalties for making extra or early payments.
Winter doldrums got you down? The empty calendar making you feel blue? Don’t pull out your wallet for some “retail therapy” just yet!
Right now is the time of year when the blues hit the hardest, so many people turn to their favorite foods, a round of shopping or some other costly means of escape. However, you can get the same results without spending a penny. Let Catholic Federal show you how to de-stress for less and send that down mood packing!
Read on for 7 pick-me-ups that are absolutely free.
It’s time to celebrate the significant other in your life! If you’re thinking that means pricey gifts, expensive dates and blowing an entire day’s salary on a restaurant meal, think again. There’s no need to drain your wallet while trying to create the perfect Valentine’s Day. Instead, use these eight hacks for a dream Valentine’s Day that doesn’t break the budget.
- Dine In
Restaurants typically up their prices when the whole world is going out to eat, so you’ll likely be paying extra just because it’s Valentine’s Day. Plus, trying to carry on a conversation in a noisy restaurant while keeping your elbow out of the soup on the next table is hardly a recipe for a romantic evening.
Instead of shelling out big bucks for a sub-par experience, cook up a gourmet meal at home. You can easily spend less than half of what you’d pay for the same food in a steakhouse by opting to DIY. If you both like puttering around the kitchen, prep your delicious dinner together. Don’t forget to set the ambiance with scented candles and soft music!
- Explore the great outdoors
Like many people, you may have blown through your 20s making financial decisions that served you well in the moment, but may not have been particularly responsible. Dinner out several times a week, credit card bills you barely looked at and luxury cars way beyond your budget—life was practically a party!
But now, the party’s over. You’ve woken up in your 30s and realized that all that overspending is going to cost you big—and it’s going to cost for years to come.
Luckily, there’s hope. It’s not too late to fix the financial mistakes we all make when we’re young and blissfully ignorant.
Here are six of the most common mistakes people make in their 20s and how to fix them:
Q: Do I need to have a separate rainy day fund and emergency fund?
A: In an effort to simplify their money, people sometimes consolidate accounts. This is OK in many instances, but it’s important to remember that rainy day funds and emergency funds serve different purposes. Additionally, it’s important to have not just one, but both funds available to tap into as needed.
Read on for all your questions on rainy day and emergency funds, answered.
Here at Catholic Federal, we believe in supporting the community and helping local businesses flourish. Join us in our important goal by shopping local on Small Business Saturday and throughout the holiday season.
Here are 8 reasons to shop local:
- Help create jobs in your community
The money you spend at local retailers goes back to your community. When you support these small businesses, you enable them to grow, thus creating more jobs and helping the local economy thrive.
- Keep your tax dollars in the community
When you spend your money at local retailers, approximately $68 of every $100 spent will be reinvested into your community. That money will go toward better schools, libraries and parks—in your own neighborhood.