Back to School Shopping?

Worried about where you’ll find the money for all those back to school expenses? Between new clothes, new shoes, backpacks, notebooks, and new electronics, it can get really expensive… and that doesn’t include all the book fees, lunch money, athletic fees, and other expenses that you’re expected to pay up front!

Relax. With Fingerhut, you can afford everything you need to get the kids back in school. Name brand clothes? The newest shoes? Backpacks? Notebooks? A new computer? Yep, with Fingerhut, you can get all of this and more. And it won’t wreck your budget, either!

Fingerhut offers thousands of name brand items at competitive pricing, with low monthly payments, shipped right to your door!   What could be easier than that?

Simply apply for your Fingerhut Credit Account issued by WebBank and start shopping today!

The Best Way to Free Up Some Cash

Monthly credit card bills eating up all your cash?

Even if you’ve got reasonably good credit, you can still find yourself with too many credit card bills, and those bills can ruin your budget, cause you to be short on cash, and they can even cause you to go deeper into debt.  That’s right, too many bills can actually drag you deeper into debt, even as hard as you’re working to pay them off!

How many times have you paid all your bills and then had to use a credit card to pay for groceries because you’re short on cash?

That kind of defeats the purpose of paying extra on your credit cards, doesn’t it?  But, if you keep only paying the minimum payments, it can take years to pay off those credit cards, and you can’t afford to be strapped forever, can you?  And you don’t want to risk ruining your credit with the traditional “debt consolidation” companies out there, so what do you do?

If you’ve got good credit, the best way to free up cash in your monthly budget without ruining your credit score is to take out a personal loan to pay off those high interest credit cards.  Then, instead of having to pay a bunch of different sized payments every month, you’ll simply make one payment (typically a lot less than you’re paying now), once a month.  Terms for personal loans range from 36 months to 60 months.  That’s far less than the 7-10 years that it takes to pay off credit cards if you only make the monthly payment.

Think a personal loan might be the right choice for you?

If you’re serious about freeing up some cash AND getting out of debt sooner rather than later, one of the best options is a personal loan. With a personal loan, you’ll finally be able to pay off your credit cards, free up extra cash in your monthly budget, and start paying off all your debt. And you’ll probably save a lot of money while you do it!

The average personal loan saves the borrower hundreds, if not thousands, over the course of the loan. Money that you could use elsewhere. So, go ahead, apply for your personal loan today, and plan what you’ll do with the extra money in your budget tomorrow!

Applying is free, easy, and fast!

Resolve to Be Financially Ready for 2017

A new year brings new resolutions. In fact, 45% of Americans typically make New Year’s resolutions, according to a Statistic Brain survey, and 34% of those resolutions are related to money.


Resolutions can sometimes be difficult to keep, but a few simple principles can help you stay on task. The USAA Financial Rediness Score FRS tool incorporates our core advice principles and helps you see where you stand today. It also suggests steps you can take to improve financially and stay on course if challenges arise.

Let’s discuss those principles:

Spend less than you earn. This sounds simple, yet it has become more challenging. Everywhere we turn, we’re bombarded with advertisements, credit offers, solicitations for money — and the list goes on. FRS helps assess whether you manage your spending and credit in a healthy manner and points you to additional resources for help.

Protect your life, loved ones and possessions. We are a financial services company that offers insurance, but that’s not why this principle is important. Imagine you’re in an at-fault automobile accident and have insufficient coverage, putting your finances in jeopardy.

Or what if you depend on a loved one for income and he or she dies, leaving you to struggle both emotionally and financially? FRS will assess your current coverage and guide you to find out how much insurance you may need.

Save enough for emergencies. Unfortunately, no one is immune to life’s many curveballs. You can either be prepared or put your financial goals at risk. FRS will assess whether you have an adequate emergency fund and help you create a plan to achieve this goal if you haven’t already.

Save now for retirement. Young, old or somewhere in between, retirement planning is important. The sooner you get started, the better off you may be. FRS will assess your retirement needs and help you dive deeper into retirement planning.

Have a will and other legal documents.

Whether single or married, with or without kids, everyone should have some basic legal documents in place. Wills are not just for the wealthy.

Have a plan, review it annually and update with major events.

Getting from point A to point B is much easier with a map. Having a plan for your financial goals is no different. This can be as simple as a starting with a budget, but everyone should know what they need to do financially and the steps needed to get there.

I encourage all of you to stick with your money-related New Year’s resolutions in 2017 and beyond. If you haven’t already, use the FRS tool for your own assessment. I’ve got a few money-related resolutions of my own, and FRS has given me a road map to help.

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‎01-09-2017 07:10 AM

Content provided courtesy of USAA.

By Mikel Van Cleve, CFP®