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Technology is here to help you with money management and your personal finances. Most of us are used to spending money every day, and keeping up with every purchase can feel like a part-time job. It’s important to monitor your finances regularly, whether you are trying to stick to a budget or saving up for an expensive purchase, such as a down payment on a house or car.

You can use money management apps connected to your bank account to quickly check your available balance or see how much you have saved. This will give you a better idea of how much you can spend at any given time so you don’t go over budget. You can also plan your finances for the next several months or year to help you prepare for the future.

If you’re looking to send and receive money quickly using your mobile phone, you might have heard of the app known as Zelle. You can use Zelle to pay for goods and services on the go once you link the app to your bank account, but it has some limitations that can affect how you spend your money. There are dozens of apps like Zelle that let you make payments with your mobile device, and they each come with different features. Learn more about the differences between these products and how they work.

Refinancing your mortgage involves replacing your existing mortgage with a new loan, often to take advantage of a better interest rate, change your loan term or alter the monthly payment structure. The refinance amortization schedule is at the heart of this process, which dictates how payments are split between principal and interest over the loan’s duration.

The interest rate on your mortgage will either be fixed or adjustable depending on what type of mortgage you choose. A fixed-rate mortgage means the interest rate will stay the same over the entire life of the loan. You will need to pay the same amount every month until the balance is paid off in full. With an adjustable-rate mortgage, the interest rate will vary at regular intervals, which means your monthly payment will also fluctuate. Both types of home loans will help you secure a piece of property, but they come with different terms and conditions that can affect your finances. Read this article to learn more about the difference between fixed-rate and adjustable-rate mortgages.

Being in your 20s is sure to be one of the most exciting times in your life, but it’s also a great time to think about your financial future. The decisions you make today will have a tremendous impact on your financial situation in the years to come. It is never too early to start thinking about saving for retirement, getting out of debt or saving for a down payment on your first home or car. Starting early gives you an advantage because your savings will grow interest over time. You can also lock in low rates on life insurance and other important financial safeguards. Use these financial milestones to set yourself up for success later in life.

In this beginner's guide, you'll learn what platforms are available for you to invest on, the pros and cons of each one and the types of accounts you may want to get started with.

Ent Credit Union offers a convenient way for its members to send wire transfers both domestically and internationally. Whether you need to send money to a family member, pay a bill, or make a large purchase, wire transfers provide a fast and secure way to transfer funds.

Is refinancing the right move for me? It depends. Refinancing your mortgage loan can be a strategic financial move, saving you money on interest, lowering your monthly payments or shortening your term.

When someone you trust — a spouse, adult child, sibling, or close friend — asks to use your credit card, the request feels innocent. Maybe it’s for groceries, a plane ticket, or an emergency car repair. But even with the best intentions, lending your credit card can end up with disastrous consequences. So, you might be asking, is it wrong to let someone use my credit card?

The short answer: Yes, it can be wrong — legally, financially, and ethically — depending on the circumstances. Even if you trust the person, the risks often outweigh the convenience. Below, we unpack the hazards, the narrow circumstances when sharing your credit card can work, and safer alternatives that protect you.

According to the Survey of Household Economics and Decision making (SHED), 37% of Americans would not cover a $400 emergency bill without borrowing or selling something (Federal Reserve, 2024). This startling statistic highlights the importance of cultivating smart money habits. As the calendar turns to 2025, it's the perfect opportunity to reflect on our financial habits and well-being.

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.