Financial Literacy by First Alliance Credit Union

3 min read

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

Kamel LoveJoy: Aug 12, 2025 5:00:00 AM

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

Loans & Credit

3 min read

Assistance with Utilities: SE MN Programs to Cut Your Bills

Kamel LoveJoy: Aug 7, 2025 5:00:00 AM

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...

Money Management

5 min read

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

Kamel LoveJoy: Aug 5, 2025 5:00:00 AM

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...

Loans & Credit

4 min read

What is a sinking fund?

Kamel LoveJoy: Jul 31, 2025 5:00:00 AM

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...

6 min read

Credit Card vs Debit Card: Which One Should You Use?

Kamel LoveJoy: Jul 29, 2025 5:27:38 AM

Picture this: you’re grabbing snacks after school, and the cashier asks, “Credit or debit?” Both cards look alike, but they pull money from very...

Loans & Credit

3 min read

Back-to-School Drive Savings: Cut Your School‑Supply Costs in Half

Kamel LoveJoy: Jul 24, 2025 5:15:00 AM

Across the U S., the cost of gearing up for class just keeps climbing. The National Retail Federation says families will drop about $858 this year on...

Money Management