It’s easy to see a credit card as “free money” and spending more than your means. But if you're not careful, you could wind up paying a lot in fees and interest, hurt your credit score, and really hurt your wallet.

Be honest – how many times have you been sitting at work picturing life in retirement? Maybe you’re sitting on a beach, in a cabin in the mountains, traveling to your bucket list destination, or just cuddled up with a good book at home. No matter what your retirement goals are, one question stays the same - how can I save and plan for the lifestyle I want in retirement?

We all know money provides security, control, freedom, and much more to enjoy a better and healthy life. That's something we all want - including myself. So, we look for ways and build better financial habits to reach a goal. And there are hundreds of tools, tips, apps, and methods out there. But the real question is: What habit or money-saving style actually works?

Buying a car from a private seller can be a scary and nerve-wracking process simply because, as the buyer, you have to do most of the work. Unlike dealerships, the seller won’t offer coverage for the car they’re selling and the sale is final. It's up to you as the buyer to ensure the seller is keeping up his or her end of the deal in selling a trustworthy car.

"Do I need to be part of the military to join a credit union?" This is a common question from prospective new customers, mostly because people have seen all the advertising about military credit unions (think Navy Federal Credit Union). The perks include low loan rates, higher interest in savings, and exclusive discounts. They're discouraged and think it's impossible to get access to these great money-saving perks. But there's good news - Other credit unions offer the same, similar, or better perks, all without needing ties to the military to join!

With all of these misconceptions about credit unions, many don’t even know the real reason why credit unions exist and what membership actually entails.

Does this sound familiar: You’re determined to have X amount of money saved by a specific time of the year but something keeps coming up where you're dipping into your savings to pay for other expenses...

When applying for an auto loan from a lender (like a bank, credit union, or even a dealership) you're likely to hear about interest. Interest on an auto loan is essentially the extra fee you pay for using the lender's money to buy a car. Luckily, the interest you'll accrue (and eventually owe) on your loan is spread out over the life of your loan, so you're not required to pay the fee back all at once.

Picture this - you're doing some car shopping and just found your perfect one that has your unique style written all over it. The car salesperson approaches and says “Is this the one?! Let’s get you set up so you can drive home in your new car today!” What’s your next move? Are you rushing to submit an auto loan application or are you going to do some research for the best places to get an auto loan?