Financial Health

What Are Property Taxes For? How They Work and Why They Matter

When you buy a home, you’re not just investing in the property itself. You’re also committing to paying property taxes, which can feel like an extra burden. But property taxes serve an important purpose in supporting the communities we live in.

Financial Health

What Is DTI? Understanding Your Debt-to-Income Ratio

Debt-to-Income Ratio (DTI) is one of the most important numbers lenders look at when evaluating your ability to repay a loan. Understanding your DTI can help you prepare and potentially qualify for better terms.

Financial Health

Equity-Sharing Home Loans vs. HELOCs: Building an Emergency Fund

When it comes to building an emergency fund, one option many homeowners consider is leveraging their home’s equity. Two common ways to do this are through an equity-sharing home loan or a Home Equity Line of Credit (HELOC).

Financial Health

Tips for Building a Budget and Creating Better Spending Habits

Creating a budget isn’t just about tracking expenses. It’s a consistent, structured approach to help you gain control, reduce stress, and build a stronger financial future.

Financial Health

How to Get Out of Medical Debt: Smart Strategies to Reduce What You Owe

Medical debt can be among the most stressful financial burdens to carry – especially when it comes unexpectedly or during an already difficult time. But there are practical steps you can take to address it.

Financial Health

How Much Should I Save for Retirement? A Realistic Guide for Any Income

It can be one of the most common (and most intimidating) questions in personal finance. The truth is, there’s no one-size-fits-all answer. Retirement savings goals depend on your income, lifestyle, age, and where (and even how) you plan to live.