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Kamel LoveJoy

First Alliance Credit Union Debuts the Impact CD

2 min read

First Alliance Credit Union Debuts the Impact CD

First Alliance Credit Union has re-imagined the traditional certificate of deposit with the launch of its new Impact CD, a high-balance savings...

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Pay Yourself First: The Simple Habit That Builds Savings Automatically

4 min read

Pay Yourself First: The Simple Habit That Builds Savings Automatically

Pay yourself first means you move money into savings the moment your paycheck arrives. It treats your future like a bill that must be paid on time....

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Bad Credit Auto Loans: A Simple Guide That Actually Helps

9 min read

Bad Credit Auto Loans: A Simple Guide That Actually Helps

If your credit is less than perfect and you need a car, you are not alone. Life happens. Maybe a medical bill went to collections or a job gap made...

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Credit Lock vs. Freeze: What’s the Difference & Which Should You Use?

6 min read

Credit Lock vs. Freeze: What’s the Difference & Which Should You Use?

Identity theft is scary, but your choices do not have to be. Two of the strongest tools you can use are a credit freeze and a credit lock. These...

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Can I refinance my car loan?

4 min read

Can I Refinance My Car Loan? How to Save Money and Lower Payments

Refinancing can lower your monthly payment, reduce total interest, and make your budget feel calmer. You keep the car you already have and swap your...

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How to Build my Credit With Rent Payments

3 min read

How to Build my Credit With Rent Payments!

Katie always paid rent on time. When she applied for a used-car loan, though, the bank called her “credit invisible.” She learned a steady rent...

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How to Write a Business Plan: What It Is and Why You Need One

3 min read

How to Write a Business Plan: What It Is and Why You Need One

Donna never pictured herself drafting formal documents. She was the friendly face at the Rochester gym who lost 70 pounds and filled Instagram with...

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Assistance with Utilities: SE MN Programs to Cut Your Bills

3 min read

Assistance with Utilities: SE MN Programs to Cut Your Bills

Lena thought she had finally cracked the code on her monthly budget. She’d set up envelope budgeting in her checking account, stashed $20 each payday...

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How to Sta rt a Small Business: 9 Steps from Idea to Launch

5 min read

How to Start a Small Business: 9 Steps from Idea to Launch

Ever had a shower-thought you just know could turn into the next big thing—but two seconds later the “What if I mess this up?” voice kicks in? You’re...

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What is a sinking fund?

4 min read

What is a sinking fund?

That bill wasn’t an emergency—you just didn’t plan for it. New tires. School clothes. Your cousin’s wedding weekend that somehow eats half your...

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