Financial Library

Financial knowledge leads to financial success, and the articles below can help you take more control of your finances now.

Jan 04, 2021
Maybe you have a system in place for which card to use when, or maybe you use one type all the time. But do you know the difference and when it is more beneficial to use one over the other?
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Dec 23, 2020
Whether it is an auto loan, a mortgage, a student loan, credit cards, or loans from family or friends, having some sort of financial debt is a reality for most people. However, with some advance planning and resourceful thinking, it doesn’t need to be a point of excessive stress. In fact, some types of loans are helpful to your overall financial well-being – if they’re paid on time and are used sensibly.
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Dec 23, 2020
According to the U.S. Department of Labor, while the average American spends 20 years in retirement, fewer than half have calculated how much they need to save for the golden years. Retirement is expensive. Experts estimate that you will need at least 70 percent of your pre-retirement income (for lower earners, it could be up to 90 percent) to maintain your standard of living when you stop working.
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Oct 01, 2019
If you are looking for a job, you probably have a long list of what needs to be done: Search job boards and the wanted ads. Update your resume and references. Buy interview clothes. Review your credit report? The last task is an often overlooked step in the job search process. However, for many employers, credit reports play an important role in hiring decisions, and having a strong credit report can increase your chances of landing a job.
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Sep 04, 2019
October is National Higher Education Month! If you are preparing for the costs of a college education, and are considering your borrowing options, there are some important details to understand about college loans.
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Jul 18, 2019
In 2018 Nusenda Foundation launched its Financial Education Innovator recognition program, which aims to showcase those in the community who are dedicated to increasing economic mobility and stability for their fellow New Mexicans. Julian Griego, Lead Instructor/Chef de Cuisine for the Street Food Institute, has been named the second recipient of the Financial Education Innovator Award.
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Jun 17, 2019
“Over the hill” surprise birthday parties can be fun. But one shock you don’t want in your 50s is the realization that you’ve completely overlooked retirement or are significantly behind where you need to be. No matter why you’re falling short, if you are, it’s time for a retirement offensive. Here are a few things to consider as you try to re-energize your savings game.
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Mar 19, 2019
Despite improvements in the national economy, 44% of New Mexico’s households are still in a persistent state of financial insecurity, which means that if faced with an emergency, they lack adequate savings to cover basic expenses for three months. Prosperity Now, a public policy organization in Washington, D.C., ranks New Mexico 50th in income poverty and 43rd in the number of unbanked households.
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Feb 12, 2019
Even with life’s joyous occasions, like a wedding or expecting a child, saving money will always be a common denominator. Although living on less to prepare for the future isn’t easy, planning and a positive attitude are key to your success.
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