Personal Finance and Family Finance ideas and articles from an LDS perspective.

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Featured Article: Reader Question: My First Credit Card

Credit Report

What’s worth more than anything else in your financial future?   What is one of the most misunderstood concepts of personal and family finance? What can make or break your financial freedom - and put at jeopardy a portion of your “precious, priceless agency” and put you “in self-imposed servitude” as Elder Hales taught earlier this year?  Your credit score.

So what exactly is a credit report? And how is your credit score determined?  Think you know?  Are you willing to bet Read more…

Credit Unions

A friend recently asked me what he should look for when selecting a credit union. My first response was to tell him ‘any credit union is better than any bank’ - but at second thought, I realized there are some important criteria that should be considered when looking for a credit union. Here’s my Top 5 Things to Look for in a Credit Union: Read more…

I recently spoke with a friend that told me he had been paying a $25 fee every time he wrote a check that bounced! To all my readers out there - oh please . . . I beg you . . . don’t pay money for something as silly as a bounced check (also known as insufficient funds - it happens with debit cards too)!

If you have the habit of running your checking account into the negative - don’t worry about it! A great way to save money is to talk to your bank or credit union and set up Read more…