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Navigating our finances becomes more manageable when we understand the factors influencing our decisions—our money personalities. Ent Credit Union has developed a comprehensive Money Personality Quiz to uncover the intricate details of our financial behavior. This guide delves into the essence of money personalities. Below, you will discover, understand and identify your unique money personality and learn important strategies to improve your money management.

With over 139.3 million members in the U.S. (NCUA, 2024), credit unions are a significant pillar within the financial system. Choosing the right credit union in Colorado is a significant financial decision. Your choice will influence your access to credit union loans, savings growth and much more. With multiple options available, it's essential to undertake a detailed evaluation to select the best credit union in Colorado.

In today's interconnected world, social media platforms have become an integral part of our lives. They help us stay connected with friends and family, share experiences, and even manage our finances. However, the same platforms that bring us together can also pose risks to our cybersecurity and personal information. In this article, we'll explore the intersection of social media and cybersecurity, and provide tips on how to protect yourself and your finances in the digital age.

Refinancing your mortgage is a great way to reduce debt and take control of your finances. There are many reasons to swap out your current home mortgage for a new repayment plan. It all depends on what you’re looking to achieve with your new home loan. Use this guide to learn more about the refinancing process to see if this is the right option for you.

Understanding how much you may need for a down payment is an important part of the home-buying process. Your down payment amount not only can help you determine if you have enough money saved to purchase a house but can also affect your monthly payments going forward. Read this article to learn more about the down payment requirements for different home loans.

If you're in Colorado and searching for the best checking account, consider a credit union. Credit unions offer numerous advantages over traditional banks. This guide will help you understand why a credit union checking account might be the right fit for you. We’ll also explore the types of checking accounts available and show you how to open an account easily.

Running a small enterprise requires meticulous financial management, which is where small business banking comes into play. Unlike personal banking, small business banking involves specialized services to serve the unique needs of your business. Besides basic banking services, it supports bulk transactions, managing cash flow, credit lines, payment processing and even payroll services. Indeed, having a dedicated business bank account is not just a good practice; it’s a fundamental step toward business success.

When securing your financial future, choosing the right savings vehicle is essential. Two of the most common options are Certificates of Deposit (CDs) and savings accounts. But what exactly are they, how do they differ, and which one best fits your financial goals? This comprehensive guide dives into the CD vs savings account debate to help you make an informed decision.

Owning a pet brings immense joy and companionship, but it also creates financial responsibilities. In the first year, the average cost of owning a dog or cat is $3,221 and $1,904, respectively (ASPCA, 2024). This means you must have a detailed money strategy before owning a pet. Creating a budget for pets ensures the best care for your Fido or fluffy without straining your finances. Let’s explore how to budget for your furry (or scaly) friend effectively.

In today's digital world, protecting your finances has become more challenging than ever. With cybercriminals constantly devising new ways to access personal information and compromise accounts, it’s crucial to stay informed and practice good cybersecurity habits. Whether you're managing your finances online or simply browsing the web, knowing how to safeguard your data can prevent financial loss and protect your personal information from falling into the wrong hands.

In Q3 2024, Americans spent 11.3% of their disposable income on household debt payments (St. Louis Fed, 2024). Still, some households suffer massive debts, using over 50% of income to service debt. When your debt payments consume too much of your monthly income, lenders view you as a riskier borrower. This results in unfavorable loan terms, higher interest rates, or loan denials.

Understanding how to improve your debt-to-income ratio helps you qualify for better financing options. In simple terms, your debt-to-income ratio (DTI) computes the percentage of your income that goes toward paying debts each month. In this article, we’ll explain how to compute your DTI ratio, what is a good debt-to-income ratio, the best debt-to-income ratio for various loans and strategies for lowering it.