Personal finance simplified.

MONEY MONDAY

Tune into Go 96.3 FM every Monday morning during the 7 o'clock hour as Firefly talks personal finance with Ben & Dana. Check back each week for new segments and resources on the topic.

 
January 21, 2019
Save yourself from bad debt.
Debt can be complicated. The good kind can open the door to education, transportation, housing and help us achieve our financial dreams. The bad kind can contribute to stress, hurt relationships and decrease work productivity. Save yourself from bad debt by creating a list of what you owe, finding an effective repayment strategy and getting help when you need it. 
January 14, 2019
Winterize your budget.
As the Minnesota temps decrease, work to increase your budget with some helpful tips. Make sure your home is energy efficient by checking windows for air leaks and changing your furnace filter to cut back on your monthly utility bill, don't overspend on winter attire and keep an eye out for seasonal sales and lastly, start savings now for your spring vacation.
January 7, 2019
Keep track of your resolutions.
For most people, the New Year means new resolutions. Have you made yours yet? Whether they are health related or financially focused, it is important to keep track of your progress all year long. Keep your financial resolutions top of mind by tracking your spending, looking over your credit report, and re-evaluating your retirement account.
December 17, 2018
Reset after holiday overspending.
During the season of giving, we may be giving a little too much, and we often feel the impact it has on our finances. We understand that this is a special time of year, but don't let the holiday overspending become a habit. Plan for your purchases, stick to a specific budget, and even find areas where you can cut back on, so you're heading into the New Year with confidence.
December 10, 2018
Manage the month-to-month.
With all the extra spending during the holiday season, it may be more difficult to pay your bills on time. What do you do? Prioritize your payments to determine which are most important and which services can be cut. Plus, be sure to communicate your late payment to your lender directly, you may be surprised by their willingness to work through this with you.
December 3, 2018
Prepare for the unexpected.
The snowy months are here and unfortunately that means the chances of an accident are even greater. In the event that you experience a totaled car or an injury slipping on an icy sidewalk, it is important to have an emergency fund set aside to help ease the pain and gain peace of mind knowing those unexpected bills will be covered.
November 26, 2018
Benefit from a financial advisor.
You don't have to be a millionaire to sit down with a financial advisor. If you're getting ready to plan a wedding or even start a new job, you may find it beneficial to meet with someone who can guide you to make sound financial decisions, no matter what your goals are. Learn more about financial advisors.  
November 19, 2018
Invest in your future.
From 401(k)s to IRAs, you know that investing your money is a good idea and it can set you up for the future, but knowing where to start can be a little intimidating. Your money is important and you want to do everything you can to protect it. Get the right advice by going to the right people. Stop in and meet with a Firefly financial expert today.
November 12, 2018
Keep track of your score.
Knowing your credit score matters. This 3-digit number impacts a variety of important aspects in your life like car insurance coverage, mortgage loan approvals and even appealing to potential employers. Take advantage of free resources to check your score, without impacting it, on a regular basis and plan on how it can improve.
November 5, 2018
Turn your passion into profit.
Are you ready to chase your dreams and become your own boss? Like many entrepreneurs, there comes a time when you are finally ready to turn your hobbies into a business and your passions into profits. Creating a successful business takes a certain level of skills and support from outside resources.
October 29, 2018
Stay covered with auto insurance.
Having insurance on your vehicle is important and often times required. With so many coverage options available to you, it can be hard to narrow in on the right one. Options may vary depending on where you live, what you drive, and how often. Shop around to get the best coverage for your vehicle and your budget, and know that coverage can change down the road.
October 22, 2018
Prioritize payments & crush your debt.
Having debt to pay off is commonplace these days with auto loans, mortgages and even credit card payments. Plan for a repayment strategy that works best for you. Whether it is paying off the higher interest payment first or tackling your smallest debt payment first - get aggressive and find a way to be consistent every month, so you can crush your debts, and your goals.
October 8, 2018
Set yourself up for retirement.
When it comes to retirement - the earlier you start saving, the better prepared you will be. Getting yourself on the right path to retirement is important at any age, no matter if the time comes within 4 years or 40. Take advantage of the many helpful resources along the way like maximizing your employer's match program or meeting with an advisor to help you set goals.
October 1, 2018
Start saving for your first home.
Are you ready to stop renting and start saving for a home to own? Saving for your first down payment takes a lot of time and planning, but owning a home can open the door to many opportunities. Before you start looking for houses, sit down with a mortgage officer to evaluate your options. Once you have a budget in mind, create a savings strategy that works for you and stick with it.
September 24, 2018
Leverage the equity in your home.
Owning a home is one of your biggest assets and it can open the door to many opportunities. If you're looking to make home improvements or need extra funds for an unexpected emergency, tap into the equity in your home and gain peace of mind knowing you have that financial cushion when you need it.
September 17, 2018
Set boundaries with joint accounts.
Combining an account can be an easy process, but there are many things to consider before opening your funds up to another person. Although you may find benefits in combining accounts, be sure to take the time to figure out boundaries to help save yourself - and your relationship - in the future.
September 10, 2018
Reimagine your spending habits.
From outdoor concerts and wedding weekends to sitting outside at your favorite restaurants, the summer months have definitely kept you - and your finances - busy. Now may be the right time to reimagine your spending habits and find areas where you can cut back on costs to help get your financial health back on track.
August 27, 2018
Achieve your dreams by making smart financial moves.
We all have achievements we'd like to realize in our lives - maybe starting a family, buying a home, traveling, or retiring early - but reaching those goals likely takes financial effort now. The smallest of steps can make a big difference so explore your options and the best approach now to help you start down the path to seeing those dreams come true.
August 20, 2018
Saving for (really) rainy days.
Life happens, and little financial support can go a long way in an emergency - loss of a job, major home or vehicle repair, or a medical situation. Start building an emergency fund to support any unfortunate events in life and help you sleep a little easier at night. 
August 13, 2018
Keeping your identity safe.
Getting your identity stolen can be a scary situation with real financial impact. And with the technology world getting more and more advanced, new approaches to data theft seem to pop up every day. Take the time to learn what to look for and how to keep yourself safe with these resources.
August 6, 2018
Budgeting for financial success.
Building and managing a budget doesn't have to be about creating spreadsheets. It should be an exciting opportunity to steer your finances in the right direction to achieve your dreams. Using smart savings strategies and tools to help you keep spending and debt in check can help you get there - all while leaving the anxiety behind.
July 30, 2018
Do your homework before you borrow.
There are many lenders and options to consider when looking for a loan. Be sure to explore your options before you commit to a lending relationship - making the best choice could save you money and hassle in the long run. Take a listen to learn more.
July 23, 2018
Getting to know more about loans.
Taking out a loan can help you achieve a variety of dreams and financial goals - the independence and dependability of a vehicle, owning your own home, or even expanding your family. Explore more about the responsibility and cost associated with loans.
July 16, 2018
Separating credit card fact from fiction.
Credit cards can be a beneficial personal finance tool to have in your pocket but it can be difficult to know what's true and what's not when it comes to best managing that credit. Take a listen or check out the resources below to learn more.
July 9, 2018
How is a credit union different than a bank?
This week we talked about how credit unions compare to banks - how you can join, the advantages of being a member, and how to find which may be best for you. Take a listen or check out the resources below to learn more.

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