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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Is Prevention The Key To Financial Health?

For many years, healthcare has been moving to a preventative model to improve our over all health. As the saying goes, “an ounce of prevention is worth more than a pound of cure.” This is true for personal finance as well. The sooner you are able to identify an issue the more options you have…
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5 Lies Your Mortgage Company Is Telling (or Not Telling) You

Most homeowners obviously experience increased stress and frustration with a mortgage delinquency, but far too much of the anxiety and stress is a direct result of trying to work with their lenders. Many homeowners tell the same story of a seemingly never-ending loop of document submissions, resubmissions, and re-resubmissions.  The frustrations are often compounded by…
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