Which Bills You Should Pay

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You may not be able to pay all of your bills.  Here is a tool to help you figure out which bills are important, and how to manage the bills you can’t pay on time:


Use Your Tax Refund to Start Your Emergency Fund

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You can use your tax refund to get your savings started.  Put some of your refund in the bank to prepare for any emergencies.  Here is some helpful information:


Emergency Fund

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You should try to keep 3 to 6 months of expenses in an emergency fund.  It is not a good idea to keep this in cash.  Keep this in a bank account that is FDIC insured.  That is a safe method.

Cut Your Expenses

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Here are some tips on how you can cut your expenses.  This will allow you to then save money for your bigger goals, such as buying a car or a house:


Copy and paste the link above into your browser.




Credit Unions

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When it comes to car loan rates or mortgages, credit unions can have the best rates.  Use this locator to find a credit union near you:



Store credit cards

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A retail store credit card can only be used at that store or an affiliated group of stores.  These can be easier to get than a regular credit card if you have poor credit.  They can be a good way to build your credit.

Credit cards

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You can use credit cards to build your credit score.  Have at least 2 credit cards, make the payments on time each month.  Don’t max out the credit cards each month.

Phishing, smishing, vishing

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These are all types of scams where criminals try to steal your personal data.  If someone tells you that you won a lottery in another country, or that you are entitled to receive an inheritance, don’t respond.

Read the detailed article here:


More People Getting Bank Accounts

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A record 95 percent of US households had bank or credit union accounts in 2019, according to the FDIC.  Mobile banking has more than doubled since 2017.



Canceling a credit card

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You have paid off a credit card.  Should you cancel the card now?  If you cancel the card, this will cause a dip in your credit score.  A better choice would be to put the card away and use it later if needed.

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