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How to “Budget” Your Income

A few weeks ago we covered the importance of setting up a budget, and how to calculate it—estimating your monthly expenses and subtracting that from your income (and making sure you don’t go in the negative!). But for some of … Continue reading

Posted in Financial Education

News You Can Use

A fascinating article on the movement to banking alternatives, from Huffington Post: http://www.huffingtonpost.com/2012/05/07/josh-crawford-underbanked-prepaid-cards_n_1479300.html And the follow-up article: http://www.huffingtonpost.com/2012/06/07/no-bank-account-huffington-post-readers_n_1574192.html Note: Although the debit card fees mentioned in the article are as high as $20.00, at PayDayHawaii, our debit card fees start … Continue reading

Posted in Financial Education

Manage Your Life with . . . a Budget?

Here’s a question: What is the single action you can take to have enough money to meet all your current needs? Hint: It’s not winning the lottery—although that could go a long way to meeting your future needs and wants! … Continue reading

Posted in Financial Education

News You Can Use, from USA TODAY

Although the viewpoint of the following stories is skewed a bit negative (are today’s young people really spoiled brats? Hardly!), the basic information conveyed is revealing about the ways traditional banking, and even the educational system, leave millions of people … Continue reading

Posted in Financial Education, Using Financial Services

Why You Should Be Concerned About Student Debt

For the first time in history, total student loan debt has now equaled total credit card debt, according to the Federal Reserve Bank of New York, and the U.S. Department of Education. Some speculate that total outstanding student loan debt … Continue reading

Posted in Financial Education

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