10 tips for using credit wisely

Using credit responsibly is an integral part of personal financial health. Not only is credit a key factor in securing loans for a home, vehicle or other major purchases, potential employers may review an applicant’s credit as part of the interview process, and landlords often look at credit before approving new renters.

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Making holidays bright . . . and affordable

Already dreading what you’ll spend this holiday season? It doesn’t have to be that way.

Gifts aren’t the only budget-busting culprit during the holidays. The weeks between Thanksgiving and New Year’s are also a peak time for spending on groceries, travel, events, entertainment, energy, clothes and meals out.

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Halloween tips for consumers

If you’re looking to pick up a fun Halloween costume or spooky decorations this year, you’re not alone. The National Retail Federation expects consumers will spend nearly $7 billion on Halloween costumes, decorations and treats this near. It’s a fun holiday, one many people love, and retailers pull out all the stops to cater to that crowd. If you’re in the market for a costume this year, Better Business Bureau of Minnesota and North Dakota advises you to keep an eye on the ‘boo’-tom line.

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