The Most Important Step You Can Take When Rebuilding Your Credit

Bouncing Back If you’ve been in trouble with debt in the past, you may not have any intentions of obtaining another credit card ever again.  Although avoiding credit might be necessary until you are confident in your ability to live within a budget; eventually, you may want to take steps to start improving your credit…
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National Protect Your Identity Week Is October 20-27: Do You Know How To Protect Yours?

According to the National Foundation for Credit Counseling (NFCC) Identity Theft has been the number one complaint at the Federal Trade Commission for the past 12 years, and it’s on the rise. Don’t be a victim! Follow the steps below to protect your identity:   Read your credit reports. You have a right to a…
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Keeping The Heat On

Winter is fast approaching, and living in Minnesota, I expect lots of snow and cold! At the farm, we just stocked up on firewood; several cords of oak and maple that will definitely keep the chill away! I love heating with firewood – it is cozy, and as warm as the fire I stoke. I…
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What Is A Credit Score?

There should NEVER be any surprises on your credit report. That’s why it is important to always keep a close eye on your report, pulling it at least annually, if not 2-3 times per year. Another important number to watch is your credit score. Although the number doesn’t define who you are as a person,…
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How To Follow A Real Budget

Are you following an actual budget plan or reacting to a balance sheet?  Many people assume these are the same thing.  Some of the confusion might have to do with the fact that many banks offer online tools that arrange all of your account activity into pretty little spending categories.  Reviewing your account activity gives…
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