FCTI - Blog

Making Credit Cards Work For You

Posted by Rebecca Hellmann on Jan 22, 2020 6:15:00 AM

Most people have heard the horror stories of credit card debt or gotten themselves into their own nightmare. But credit cards are not inherently evil. Like any tool, it’s all about how you use it.

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3 Reasons Budget-Conscious People Use Cash

Posted by Rebecca Hellmann on Jan 16, 2020 6:45:00 AM

There are plenty of reasons to swear by your debit card or mobile payments application over hard currency. I don’t know about you, but my favorite restaurants rarely let me pay on pick-up when I order food. And the local grocery delivery and pickup programs don’t accept cash.

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Topics: consumer budgets, money management, household budgets, financial education

Clothing "Deals" Might Be a Budget Breaker

Posted by Rebecca Hellmann on Jan 8, 2020 10:45:00 AM

A pair of jeans for fifteen dollars. A shirt for four. These kinds of prices can be found everywhere, from big box stores to online retailers. Often dubbed “fast fashion,” modern clothing is manufactured with an eye on producing low-cost products at high speed. But making products more quickly means cutting corners in quality that end up costing the consumer.

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Topics: consumer budgets, money management, household budgets, financial education

Why Do We Buy? Self-Awareness to Help Curb Your Spend

Posted by Rebecca Hellmann on Jan 2, 2020 6:45:00 AM

Chances are you’ve purchased something in the past day or so. Even those who claim to dislike shopping are likely to make regular purchases for a variety of reasons. But how often are we buying things we need?

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Topics: consumer budgets, money management, household budgets, financial education

3 Ways You Can Keep Your New Year's Resolution

Posted by Rebecca Hellmann on Dec 26, 2019 6:45:00 AM

It’s the day after Christmas, and we’re in the middle of Chanukah. New Year isn’t until next week. You haven’t even considered what arbitrary, lofty goal you will spout off to family and friends when they ask about your New Year’s Resolution.

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Topics: consumer budgets, money management, household budgets, financial education, holiday stress

Youth Debt is "the New Normal". It Doesn't Have to Be.

Posted by Rebecca Hellmann on Dec 18, 2019 6:45:00 AM

It is a well-known truth that a majority of Millennials (born 1977-1995) struggle with debt. Not including mortgages, the average debt they hold is around $28,000. That money is typically wrapped up in student loans, car loans, and revolving credit card debt.

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Topics: consumer budgets, money management, household budgets, financial education, generation z

3 Tips to Getting Started on Your New Year Budget

Posted by Rebecca Hellmann on Dec 11, 2019 6:45:00 AM

It’s (almost) a new year! And we all know what that means. It’s time for a new budget. *cue groans*

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Yes, American Christmas Has Always Caused Financial Stress

Posted by Rebecca Hellmann on Dec 5, 2019 6:45:00 AM

Remember when the holiday season was all about a break from school, spending time with family? That’s because you were a kid.

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Thanksgiving Costs HOW Much?!

Posted by Rebecca Hellmann on Nov 27, 2019 6:45:00 AM

Thanksgiving is often viewed as the beginning of the holiday season. For many Americans, it is both a celebration and the last moment to take a breath before the year-end run of parties, events, and family.

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Topics: consumer budgets, money management, household budgets, financial education

You Can Save Money, Too

Posted by Rebecca Hellmann on Nov 20, 2019 6:45:00 AM

If you are rolling your eyes or huffing in disbelief right now, I'm talking to you. Whether it's five cents or five hundred dollars doesn't matter. Every single time you are put away money is a step toward a better financial future.

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Topics: consumer budgets, money management, household budgets, financial education