According to debt.org, in 2018 Americans had a combined total of $13.51 trillion of debt. This number is $837 billion above the previous high! So, if you are one of the many contributing to that $13.51 trillion of debt, here's a resource you've got to know more about: PowerPay. 
PowerPay shows you the most efficient and money-saving way possible to get out of debt. First of all, to use PowerPay you’ll need to create an account. Head to powerpay.org and click “New? Sign Up Now” to get started. It shouldn’t take you more than a few minutes to get your account set up. You can also use the free app on your Apple smart phone. Once it’s up and running here’s what you’ll need to gather:

There's so much to consider about this topic that I filmed a "part 2"! If you missed part 1 check it out here. One of my favorite financial tips is shared in this video as tip #2. Click now to watch 3 Money Tips for Newlyweds: Part 2.

Got the spring fever itch to freshen up, tidy, and de-junk? The obvious list includes the garage, gutters and pantry but don’t overlook your personal financial records. Below are five simple guidelines and links to further resources to make this process painless each year. TIP: Set aside time include your spouse and/or children in this process. It is a great teaching opportunity for kids. 

Like physical fitness, financial fitness is a lifestyle choice. Consistent actions that build positive money management habits lead to financial wellness. Below are eight financial management categories. Listed in each category are action items to increase and improve financial fitness in that area. Choose at least one of the suggestions below to take a step toward improving your personal financial fitness.
Example: If I want to improve my credit score, I may choose to work on one of the credit tasks like accessing my free credit report.
CALL TO ACTION: Write down your choice and set a deadline to complete your task within two-weeks. Share your success with someone close to you, work as a team with your spouse if applicable.