GUEST BLOGGER: LIZ VANCE

Identity fraud refers to crime in which a criminal obtains and uses a victim's personal data through fraud or deception and usually for economic gain.​ If you were a victim of identity fraud would you know what to do? I hope you never have to find out, but just in case it happens to one of us one day I’m going to share with you a few of the 10 steps that U.S. News & World Report talked about in a recent article. If you’d like to read about all of the 10 steps you can find the whole article here. Here's what stuck out to me...

GUEST BLOGGER: ELIZABETH DAVIS

Why do I need an emergency fund? The reason is simple really, we don’t know what is going to happen. Money guru Dave Ramsey recommends starting with a $1,000 cash emergency fund. This is SEPARATE from long-term savings and should be immediately available in case of emergency. After debt is eliminated, then save enough to cover the basic expenses without income for 3 months.  This number will vary for different family's situations. What I would like to discuss is the first step. Saving $1000 dollars. Sound overwhelming? My recommendation is to make a plan that can work for YOUR situation. 

Whether you're stay-cationing, camping, or out exploring the world, Happy Labor Day from the Utah Money Moms team!

GUEST BLOGGER: EMMA PARKHURST

​Have you ever scrolled through social media and find yourself admiring pictures and posts of others traveling around the world and wonder to yourself, “how on earth can they afford that?!” I’ll be the first one to admit that this thought used to cross my mind quite frequently. That was until I interrogated a good friend that booked a trip to Oslo, Norway and did so without breaking the bank. Her secrets are now my secrets that I’d like to share with you to become YOUR secrets! Below are some tips I learned from her, as well as others from financial experts: