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    It can happen to anyone: You got nailed with a well-placed social media ad and now you need that pricey multi-purpose pan (or memory foam pillow set, or underwear subscription service...). Your three best friends from college are getting married within a month of each other, and you suddenly have a lot of unexpected travel on your itinerary, not to mention gifts to buy. Or your car’s transmission fails at the worst possible time, and you need an emergency repair. 

    Unexpected bills start stacking up around this time of year. Fresh bedsheets. Laptop case. So many books. And it turns out you need a mini-fridge in the dorm room after all (because, who doesn’t?). 

    Most of us have been in a pinch where we needed some extra cash, fast. Maybe you can’t make your paycheck stretch far enough and need a little assistance to float you until next month. An unforeseen but unavoidable home renovation catches you off guard, and you need a new line of credit to cover the cost. Or maybe you’re early in your financial journey, your credit’s not the best, and you're struggling to find a bank willing to extend you a loan at a reasonable rate. 

    There’s no denying that summer brings the life out of us. The warm-breeze, sun-filled days that spark a smile are upon us. Therefore, it’s a no-brainer that you’re probably on the hunt for thrilling summer activities (aside from just working on that tan). Without further ado, let’s explore a number of exciting ideas you can add to your summer bucket list, and the best part is, they won’t break the bank.

    Looking for a loan these days look a lot different than they used to. Way back in the day, you had to make an appointment, put on a nice outfit, fill out a whole lot of forms, and meet with a lending officer behind a big desk. Don’t remember? Ask your grandparents.

    We can't live without money, but that doesn't mean our relationship with it is always healthy. Millions of Americans struggle with debt that robs them of hope and financial freedom. Even the government is struggling (stop rolling your eyes). Yes, they’re always struggling with debt, but it’s gotten even worse. The pandemic-created economic recession of 2020 resulted in a $4.4 trillion increase in the United States' public debt, which now rests at approximately $27.5 trillion.

    Making a big purchase, consolidating debt, or covering emergency expenses with the help of financing feels great in the moment — until that first loan payment is due. Suddenly, all that feeling of financial flexibility goes out the window as you factor a new bill into your budget. No matter the number, it’s an adjustment — so don’t panic. Maybe it’s as simple as reducing your dining out expenses or picking up a side hustle — what’s most important is that you’re able to make your monthly payments on time and in full.

    What is financial anxiety? It's a good question. The definition can vary, according to whom you're asking. However, the simplest explanation of financial anxiety boils down to a feeling of distress around money. Those exhibiting symptoms may be unable to stop worrying about money or tend to lose sleep over financial issues. It's a real issue, and one that most everyone has felt at one time or another in their life. In fact, a recent survey by the National Endowment for Financial Education® (NEFE®) showed nearly nine in 10 (88 percent) of Americans say the COVID-19 crisis caused stress on their personal finances. Which most likely led to a good many of those people experiencing financial anxiety in 2020 alone.

    Debt, also known as consumer debt, is what you owe based on the money you borrowed from a credit union, bank, the federal government, or other lending entity. At some point in nearly everyone’s life, there will come a time when you’ll need to take on debt or use credit or credit cards. Whether it’s for a student loan or personal loan, a mortgage or auto loan, taking on some kind of debt is almost inevitable.

    What’s your worth? It’s a relative concept.

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