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Vincenza Vicari-Bentley, AFC Empowering Financial Wellness Program Coordinator III  One of the biggest myths about credit is that checking your credit reports can lower your credit score. It’s absolutely not true. Checking your own credit report is considered a “soft pull" which doesn’t affect your credit since you aren’t actually applying for a credit or loan, you’re just accessing your own information.
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Alicia Nelson-Bell, HCHC  What if I told you one sentence could shape your whole year, and even beyond? “What is that sentence?” you may be asking. The beginning of the new year is the time that many people self reflect and decide what they would like to accomplish. We want this year to be different from any other. We want to invite you to adopt a 'money mantra' to guide your financial decisions this upcoming year.
Alicia Nelson-Bell, Empowering Financial Wellness Program Coordinator  Are rising prices bringing your anxiety and fears up with them? Are you experiencing a sense of scarcity and uncertainty about your finances? These feelings can cause people to panic-buy. Panic buying is essentially buying irrational or excessive amounts of goods. People trying to cope with stress and anxiety want to feel like they are in control of something amidst the many things they can’t control. Making household preparations is totally rational and is highly recommended. Anxiously buying in excess, out of a fear, with no plan can really wreak havoc on your budget. Let’s take a look at what causes panic buying and some solutions to combat it.
Andrea Schmutz, USU Extension Assistant Professor  April is simply a glorious month; one that truly offers something for everyone. For those who love the warm sun on their skin, April kindly ushers in sunny days as the cold winter days move on their way. For those who love the beautiful colors and fresh scent of blooming flowers, April encourages new growth and vibrant hues to break through the tail end of winter. And how about those who are looking for ways to improve their personal finances? April brings us Financial Literacy Month with encouragement to engage in various activities that will direct us on our path to financial wellness. April is truly a powerhouse month!
If you’ve been following the 2022 Finance Calendar (free download) you will notice that one of the challenges for April is “celebrate by finding a book, class, podcast, etc. to further your personal finance knowledge.” While that sounds simple enough, sometimes it’s still hard to know where to begin. To help alleviate unnecessary stress, here are a few suggestions for books that cover a myriad of personal finance lessons. Vincenza Vicari-Bentley, AFC Empowering Financial Wellness Program Coordinator  If you’ve been following along for bit, you know about the 2022 Finance Calendar available as a free download on our site. This resource breaks down important financial tasks with simple things to do each month to improve financial wellness. (Download Here!) One of March’s tasks is to create (or update) a power of attorney. Click to read more about this important estate planning task.
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