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MissouriFamilies.org - Money Matters - Consumer Action

 

Feature Articles: Financial Information & Tips

 

Six credit myths

A credit score is a number based on your credit history that is used by banks, lenders, landlords, employers and many others to try and predict your future reliability. Your credit score matters, but it’s not always clear what hurts or helps your score. Here are six common myths about credit scores and the related truth...more

 

How to calculate the cost per mile to drive

The best way to gain control of your finances is to determine how much everything in your daily life costs. Everyone pays attention to how much fuel costs, but do you know how much you spend on each mile you drive? This is a method to determine exactly how much it costs...more

 

Protecting your identity will help protect your financial future

Once an identity thief has stolen your information, the threat to your personal life and personal finances begins. Learn more about the different forms of identity theft and steps you need to take if you believe your identity has been stolen or compromised...more

 

Importance of personal financial planning for college graduates (and others)

Here are some specific steps that all graduating seniors should take to become financially literate. Actually, this is good advice for everyone, no matter when or if you’ve graduated from college...more

 

Your financial new year

Based on holidays, here are some things we can do throughout the year to keep our finances in order. It's a good way to remember to “check in” with your finances year-round...more

 

Online shopping safety tips

Many people are doing a lot of holiday shopping both in stores and online, but it is important to do so safely. Here are five important tips for shopping safely online...more

 

Financial planning for college students

Around the country, college students are in the midst of rising tuition and living expenses. Taking a few simple steps now to manage personal finances will lead to much more positive outcomes down the road. Here are some financial tips for college students...more

 

Paying for college

Many students have the desire to go to college, but not the funds to pay for it. Fortunately, there are options available to help students afford higher education...more

 

How to improve financial health

In much the same way that we make resolutions about our physical health, we can also focus more on our financial health. Here are some steps to making powerful positive change in our financial lives...more

 

Individual Retirement Account (IRA)

An Individual Retirement Account (IRA) is a retirement savings vehicle with tax benefits...more

 

Bankruptcy

If you have reached a point where you can see no way to pay your bills and bill collectors are constantly calling you, bankruptcy might be your last option. But it is not a step to be taken lightly...more

 

Flexible Spending Accounts are powerful tool for reducing taxes

Flexible Spending Accounts are a powerful financial tool that can help reduce taxable income, and they are available through most employers...more

 

Is leasing a good idea?

To lease or to buy? When you buy a car, you own it. When you lease, you pay to drive someone else’s vehicle. Leasing can involve lower monthly payments than a loan. At the end of the lease, though, you have no ownership or equity in the car...more

 

Buying a used car

Before you shop for a car, do your homework. Spending the time now can save you serious money later...more

 

Buying a new car

It can be scary to buy a new car, especially if it is your first time. There is a lot to think about, so do plenty of research. Consider these suggestions...more

 

Make a resolution to get finances in order for the new year

After spending big during the holidays, many people make getting their financial house in order a top New Year’s resolution...more

 

Finding ways to fill the gap

Consumers with a tight budget can think that high-cost lenders are their only option. However, there may be other ways to get by...more
 

Just lost your job? Don't panic!

Remember that people’s income drops for all kinds of reasons. It may be job loss, but it could also be a recession, death, divorce or something else. It is natural to worry, but you can take back control and reduce the damage for you and your family...more

 

Use spring cleaning to air out your finances

With spring approaching, many people engage in spring cleaning, when they clean out the clutter that has accumulated during the winter months. This is a good time to air out your finances as well...more

 

Book Review - Nickel and Dimed: On (Not) Getting By in America

by Barbara Ehrenreich
Currently in the United States, millions of working families do not have wages high enough to meet their basic needs. Consequently these family units suffer tremendous hardships. The Welfare Reform Bill of 1996 required poor families to move from a cash assistance program to one that has a time limit for assistance and requires employment...more

 

Canceling Automated Payments

Paying bills through automated payments can be extremely convenient. When you set up your account for automated payments, either your credit card is charged or a certain amount is removed from your bank account when a bill comes due. There’s no need to worry about writing checks and getting them sent in the mail on time. However, as more and more consumers choose this option to simplify their bill paying, some people are finding it difficult to stop these recurring payments...more

 

Reducing holiday financial stress

With the holidays approaching, many people begin to feel the financial stress of the season. You can lessen the anxiety you may feel during this time of year by planning purchases in advance. Consider the following tips for a more enjoyable holiday season...more

 

 


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Last update: Thursday, October 27, 2016