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The Piggy Bank: But How Much?

Posted by Kimberly Shane on 10/5/17 6:40 AM

The Piggy Bank: But How Much?

Can you get into this allowance kick that I’ve been on lately?! I would love to hear how the allowance structure works in your family and if you have any tips that you are willing to share! We’ve been talking a lot about do’s and don’ts of an allowance but one thing we haven’t discussed is how much is a good amount for our kids. Of course, this will have many factors that affect it—the age of your child, your financial situation—you get it. Certainly, you don’t want to stretch yourself farther than you can afford. 

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Topics: Finances, Money, financial

The Piggy Bank: Allowance Mistakes

Posted by Kimberly Shane on 9/28/17 6:45 AM

The Piggy Bank: Allowance Mistakes

The blogger we featured last week, Kerry, is very quickly becoming my “go to” for teaching our kids about money. Her ideas are easy to implement and make logical sense! On her blog, Self Sufficient Kids, she highlights nine mistakes that are made when giving kids an allowance. So, as you consider instituting an allowance in your family or maybe are just trying to improve on your current program, take a look at these things we should all avoid for the allowance to be as beneficial to our children as possible!

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Topics: Finances, Money, financial, financial security

The Piggy Bank: Stop Paying For These

Posted by Kimberly Shane on 9/19/17 6:45 AM

The Piggy Bank: Stop Paying for These

We’ve talked a little bit about why it’s important to give your kid an allowance but all the good could be undone if the allowance is not implemented correctly. So, when we give our kids allowances we also need to give them the responsibility of paying for things on their own. Kerry, a mom and blogger decided that it wasn’t just toys that the kids would need to pay for but also for some necessities. I’ve included a list of items that she lists as options for kids to cover the cost on:

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Topics: Finances, 100% financing, financial, financial security

The Piggy Bank: Paycheck Breakdown

Posted by Kimberly Shane on 9/5/17 7:15 AM

The Piggy Bank: Paycheck Breakdown

I can picture it now, your teen hears, “8 dollars an hour” and in their mind that means $320.00 a week that is if they can work 40 hours. But when they get that first pay check, they will be unpleasantly surprised that they don’t get to take all that money home. Perhaps we can step in and help; help them understanding what tax withholding is, what they qualify for and where those deductions are documented but, in order to do that, we must understand ourselves!

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Topics: Finances, Money, financial, job

The Piggy Bank: Prep Your Teen

Posted by Kimberly Shane on 8/29/17 6:55 AM

The Piggy Bank: Prep your Teen

I’ve always had a soft spot in my heart for teenagers; what a tricky time of life! They want to be independent but typically don’t possess the knowledge or resources to make the best decisions. Then on top of it they are changing so quickly and so are all their peers… it all just sounds so confusing and anxiety riddled! Luckily, this blog does not require me to dive into the emotions of a teen. Today, let’s just look at ways we can help them with the financial aspects of their transition into adulthood.

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Topics: Finances, Money, financial

The Piggy Bank: Heard About BusyKid?

Posted by Kimberly Shane on 8/22/17 7:20 AM

The Piggy Bank: Heard about BusyKid?

BusyKid, it’s not just the definition of most children today. It is a web based service that helps teach kids financial responsibility. Parents assign tasks and chores to family members; placing a cash value on them and then children can determine how money is spent or saved. They can buy gift cards from over 250 retailers, support a charity, invest in stocks, or save for later. 

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Topics: Finances, financial

Let’s Make Money!

Posted by Kimberly Shane on 7/27/17 7:00 AM

Let’s make money!

How can anyone expect you to save money for a down payment when you are paying rent and all your other expenses?! It seems impossible! Well instead of giving up and becoming an eternal renter let’s take a look at how one might achieve this amazing feat! 

First, set a goal. Talk to one of our loan officers to see how much you can get pre-qualified for and then make it a goal to save at least 3% of that amount! This will give you an end game and something to keep you motivated towards saving. Then look over the list below and choose a few that you could do:

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Topics: Finances, financial

Financial Security in Homeownership

Posted by Morgan Saylor on 11/9/16 8:30 PM

Fear of making the leap from renter to owner is normal – after all, purchasing a home is one of the biggest financial investments most people make in their lifetime. But did you know that homeownership is one step toward financial security for some?

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Topics: Finances, Savings, Security, homebuying, financial, homeownership, home buying, mortgage rates, financial security, equity

Financial Literacy: SMC Smart Money

Posted by Morgan Saylor on 4/1/16 6:30 PM

Known by most as April Fool’s Day, today is the first day of April and we are kicking it off with some select advice about Financial Literacy – no joke.

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Topics: Finances, April, #SMCsmartmoney, literacy, financial

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