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

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Featured Article: Reader Question: My First Credit Card

Are Banks Evil?

I recently read an article that helped point out some truth about most banks that strengthens my personal belief that most banks are evil.

Think your bank is innocent? Test it against these ten measurements that the Wall Street Journal pointed out - see if their catching you with these crazy fees: Read more…

First Credit Card

Reader Question from Sarah in Idaho:

“I want to get a credit card because I need to start making good credit! I am 23, and I don’t have anything right now.  (I want one soon, because I’m going to be buying a new computer and I figure that’s a big enough purchase to start me off well with a credit card.)  A friend suggested I get one from my Credit Union, and I’ve heard that’s what you did.  Would that be the smart thing to do? My credit 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…