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Why is Credit Important?

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Credit scores are amazing tools that you can use to your advantage! Let me tell you how! Your credit score can be referred to as your “financial GPA.” It’s a record of how reliable you are at paying off your debts/lines of credit. In the same way that your school GPA is a record of how reliable you are as a student.

So why are credit scores so important? Well, let me show you two different scenarios that happen often.

Ashe and Scout:

Ashe and Scout are roommates attending K-State. They have known each other since freshman year when they shared a dorm. They both applied for a credit card together while still living in the dorms. They each get accepted for a student credit card even though neither of them had a credit score previously. Each of their credit cards has a $500 limit. Ashe wasn’t sure how to best use a credit card and decided to schedule an appointment with Powercat Financial to get some tips and information from a peer. Scout felt like credit cards were easy and not that complicated.

Ashe starts out using their card for gas and paying it off every time they use it. Scout, on the other hand, uses their card for just about everything, while paying the minimum payment almost every month. Freshman year ends, Ashe and Scout decide to get an apartment together. Both need a cosigner because they haven’t had a credit score for very long. Both are using their cards the same way they did in the dorms and their credit card limits have both increased to $1,500.

Sophomore year goes by, Ashe and Scout are still living together but decide to move to a house for more space. This time, Ashe does not need to have a cosigner for the lease, but Scout does. This is because Ashe’s credit score is higher than the minimum required credit score to sign a lease by themselves. Scout still needs to have a cosigner because their score is not higher than the minimum requirement.

Scout and Ashe have never discussed how they use their credit cards. Scout is confused that Ashe doesn’t need a cosigner now. They have a conversation and realize that they are using their cards very differently. Scout schedules an appointment with Powercat Financial to learn about healthy credit card practices and how to pay off their credit card debt. After the meeting, Scout feels more empowered and confident in themselves to use a credit card more responsibly and now has a plan to pay off the credit card debt that has accrued.

During senior year, Ashe’s car breaks down and they need to get a new one. Ashe goes around town and finds a $10,000 used vehicle that will require a loan. Ashe goes to their bank and applies for an auto loan. The bank approves Ashe’s application because their credit score is 670, the interest rate on this loan is 9.73%. Scout applies for the same loan at the same bank for their first car ever. Scout’s credit score is 490 so their interest rate is much higher, at 21.55% for the $10,000 used car they wanted.

After graduation, Ashe starts looking for a house to buy near their new job. Ashe’s credit score is now 770 because Ashe has been paying a little more than the minimum payment on their car loan every month and has continued to pay their credit card off in full every month. Because Ashe’s credit score is almost 800, they are in the “very good” credit range and get an interest rate of 5.99%. Scout would also like to purchase a house, they pay the minimum payment on their auto loan, but have been paying off their credit card in full every month since meeting with Powercat Financial. So, Scout’s credit score is now 665! This is in the “fair” range, where previously, Scout was in the “poor” range.  If Scout and Ashe apply for the same loan amount in the same zip code, Scout’s interest rate for their mortgage is 6.88%.

So, what does this mean? Great question! If Scout didn’t change their habits and still had a 490 credit score (potentially lower over time), they might not have gotten approved for the mortgage at all. Even though their credit score increased, the 1.11% difference in Ashe and Scout’s interest rates is a significant amount of money. For the same $208,000 loan, Ashe would pay $240,000 in interest whereas Scout would pay $284,000 in interest. So, for that 1.11% Scout had to pay $44,000 more than Ashe.

This story is to illustrate how important credit and your credit score are. A credit score “is the power to borrow money” (Experian). It is the ability to get something now and pay for it later. Typically, things that will be hard to have all the cash needed for the purchase, like a vehicle or home. You can utilize your credit score to leverage great deals for loans, cell phone plans, apartments, credit cards, etc.

If you have any questions about how to check/improve your credit score or just to learn more information about credit in general, please schedule a meeting with one of our peer counselors or look through our website.

 

Kirsten Ouellette

Peer Counselor I

Powercat Financial

www.k-state.edu/powercatfinancial

Mastering your Debt

Are you tired of feeling overwhelmed by debt or is it becoming hard to keep track of the various lines of credit you have established? As a student, managing debt and maintaining financial responsibility can be particularly challenging. With the demands of academic life, the temptation of coming across easily accessible credit, and the constraints of limited income, settling a balance on time can be a difficult task. In the following paragraphs, we will explore various strategies and tools to help students or graduates manage debt responsibly. From zero-based budgeting to credit monitoring and beyond, we will cover a bulk of information that you should know to take control of your finances and manage your debt responsibly.

Strategies and Tools to Help Manage Your Debt:

Zero-Based Budget: During my internship over the past summer as a Registered Investment Advisor, I learned the importance of assigning a purpose to every dollar earned, especially when it comes to managing debt responsibly. Zero-based budgeting is a powerful tool that supports the principle that every dollar must serve a specific purpose or goal. As the name implies, zero-based budgeting involves allocating all income towards expenses and savings until the balance equals zero. To help bring light to zero-based budgeting, consider the scenario of a student with $3,250 monthly income, distributed across the following expenses and debt payments:

Reference: https://blog.mint.com/wp-content/uploads/2020/11/how-to-create-a-zero-based-budget.png?resize=768,970

This principle is not only crucial for effective budgeting but also holds significant relevance in managing debt responsibly. Understanding where each dollar goes helps in prioritizing expenses, avoiding unnecessary debt accumulation, and ensuring that every financial decision you make contributes to your long-term financial goals.

Credit Monitoring: Managing your debt responsibly can feel overwhelming at times, especially when you have multiple lines of credit established through various vendors. It can then become easy to lose track of credit accounts you have opened, potentially leaving balances unnoticed and affecting your credit score greatly. The good news is that individuals can access their credit reports for free once a year from each of the three major credit bureaus: Experian, Equifax, and TransUnion. By strategically structuring your requests, you can obtain three separate credit reports throughout the year, each from one of the three different credit bureaus. For example, you could pull one report every four months. This approach keeps you consistently informed about your credit status and empowers you to adjust your spending behaviors to positively impact your credit over time.

Budget Tracking & Planning Applications: When it comes to managing debt responsibly, standard budgeting can be just as impactful, if not more so, than zero-based budgeting. Budgeting tools like Goodbudget and NerdWallet offer much assistance with debt management through their free budgeting platforms. Utilizing such tools can allow you to create personalized budgets tailored to your financial objectives and debt repayment targets.  Additionally, these tools provide a comprehensive view of all of your accounts, automatically categorizing your monthly expenditures. One feature of these tools is their capability to securely link to your personal accounts, allowing you to monitor and analyze any recurring subscriptions and more. This feature can be very beneficial since it is not uncommon for individuals to overlook subscriptions that they no longer use, resulting in unnecessary payments that can accumulate over time and contribute to their overall debt. These features and budgeting as a whole can play an important role in responsible debt management by providing clarification, control, and direction to your finances and debt. By creating a budget, you can begin to gain awareness of your income and expenses, which can allow you to prioritize debt repayment while also preventing overspending. With a well-crafted budget, you can implement effective debt repayment strategies, build financial discipline, and begin working towards achieving long-term financial stability.

Automatic Payments: Another responsible strategy for managing your debt effectively is to set up automatic payments for your credit cards. By automating your credit card payments, you can ensure that you never miss a due date, allowing you to avoid any late fees and damage to your credit score. On that note, it is important to keep in mind that your payment history or whether you make you payments on time, makes up roughly 35% of your credit score. Setting up automatic payments can help maintain consistent debt repayment, as payments are made on time each month without the need for manual involvement. Additionally, automatic payments can assist in budgeting by including debt repayment into your financial plan seamlessly. By committing to regular payments, you can begin to chip away at your credit card balance, reducing your overall debt load over time.

Powercat Financial: When it comes to managing debt responsibly, students can turn to peer counselors for support and practical tools. Powercat’s peer financial counselors can provide guidance through resource tabling’s and peer-led financial education sessions. Students can use Powercat’s provided spending plan worksheet, a three-step process for estimating and tracking expenses, with counselors to assist along the way. The three-step process includes 1) students estimating their monthly income and expenses, while also distinguishing between needs and wants, 2) students record their actual income and expense, while comparing them to their initial estimates to gain an understanding of their spending habits, and 3) students can then analyze their financial records to identify any necessary adjustments and create a spending plan for the following month. Beyond budgeting, counselors at Powercat Financial can help students reflect on their money attitudes and offer strategies for financial behavior change. By utilizing Powercat Financials resources, students can develop responsible debt management habits and achieve long-term financial success.

Mastering debt and strengthening financial responsibly as a student are important steps towards securing a stable financial future. By implementing strategies such as zero-based budgeting, monitoring your credit, utilizing budgeting applications, setting up automatic payments, or scheduling an appointment with a peer financial counselor at Powercat Financial, students can begin to effectively manage their debt responsibly and work towards achieving their financial goals.

One valuable resource available to students at K-State is Powercat Financial. Here at Powercat Financial, we offer free counseling services to students seeking financial assistance, with one of our most valuable services being budgeting and credit & debt management. To schedule an appointment with a counselor at Powercat Financial, please visit our website using the following link: https://www.k-state.edu/powercatfinancial/. During your appointment, you can discuss your financial concerns, receive personalized advice, and even create a spending plan worksheet or college financial plan tailored to your specific needs and goals. By taking initiative now, you can begin to lay the foundation for a secure financial future both during school and beyond.

 

Quinton Vlach

Peer Financial Counselor II

Powercat Financial

www.k-state.edu/powercatfinancial

 

Unlocking the Ultimate Spring Break: A Student’s Guide to Planning and Saving

Spring break is right around the corner, and as a college student, you’re probably daydreaming about the perfect getaway. But let’s face it, the struggle of balancing goals with a student budget is real. Fear not! With some strategic planning and smart saving, you can turn that dream vacation into a reality. Here’s your ultimate guide to planning and saving for an unforgettable spring break.

1. Start Early and Set a Budget:

The early bird catches the worm, right? Well, in this case, the early planner catches the best deals. Start by setting a realistic budget. Consider your current savings, potential earnings, and any financial aid or gift money. Once you have a figure in mind, you can begin planning accordingly.

2. Research Destinations and Accommodations:

Not all spring break destinations are created equal, and some can be surprisingly budget friendly. Do your research and look for locations that offer a good mix of fun and affordability. Consider Airbnb or Vrbo for accommodations, which can be significantly cheaper than traditional hotels.

3. Plan with Friends:

The more, the merrier, and the cheaper! Planning with friends can lead to group discounts on accommodations, shared transportation costs, and potentially group rates on activities. Plus, traveling with friends often means more fun and shared memories.

4. Hunt for Deals and Discounts:

Once you’ve chosen your destination, scour the internet for deals and discounts. Websites like StudentUniverse, Skyscanner, and Groupon can be your best friends. Keep an eye out for early bird specials, student discounts, and package deals that bundle flights and accommodations.

5. Embrace the Side Hustle:

Consider picking up a side hustle to boost your spring break fund. Whether it’s freelancing, tutoring, or even a part-time job, a little extra income can go a long way. Just make sure it doesn’t interfere with your studies.

6. Cut Back on Non-Essentials:

Evaluate your spending habits and identify areas where you can cut back. Skip the daily latte, cook at home instead of dining out, and resist the urge for impulse purchases. Redirect the money saved toward your spring break fund.

7. Create a Dedicated Savings Account:

Separate your spring break savings from your regular funds by creating a dedicated savings account. This not only helps you track your progress but also adds a psychological barrier to dipping into the funds for non-essential expenses.

8. Plan Your Itinerary Wisely:

Planning your itinerary in advance can save you money and ensure you make the most of your time away. Look for free or low-cost activities, explore local markets, and take advantage of student discounts on attractions.

9. Pack Smart:

Avoid last-minute shopping sprees for travel essentials by planning your packing well in advance. Make a list, check it twice, and ensure you have everything you need. This prevents unnecessary spending on items you forgot to pack.

10. Stay Financially Responsible:

While spring break is all about letting loose, it’s crucial to stay financially responsible. Set a daily spending limit, keep track of your expenses, and avoid unnecessary splurges that could leave you with post-vacation blues.


In conclusion, with careful planning and disciplined saving, you can have an incredible spring break without breaking the bank. So, start planning, start saving, and get ready for the adventure of a lifetime! Your dream spring break awaits – make it happen!

Jackson Rohn

Peer Financial Counselor I

Powercat Financial

www.k-state.edu/powercatfinancial

Financial Futures Interview

Jackson Harvey

What is Financial Futures?

Stacey Lhuillier

K-State has a well-being initiative that they integrated into all the programs on campus to serve students, and one of the disconnects that they had was in financial well-being. Up to that point, we had our Powercat Financial as a fantastic peer led resource that would assist students to gain insightful information. Financial Futures was an attempt to try to take that into the classroom as more than just a presentation and become more a part of the curriculum that could be integrated into each of the colleges. So, because we were hoping for an all-university financial initiative, we created Financial Futures. That way, we would have an opportunity to have Powercat Financial as a way for students to gain insight about information that they learned through the curriculum that was a part of their classes. It’s a two-part team system that we’ve been able to integrate this all-university financial initiative and we hope to continue to grow to be a part of all colleges and campuses that are here at K-State.

Jackson Harvey

That’s amazing. I know that was something that I wish that I learned more of in high school was to be able to be apart and learn more about those financial skills going forward. I think that’s amazing that we’re going to go and take that initiative into the classroom.

Another important aspect is financial well-being. Why do you think financial well-being is important?

Stacey Lhuillier

For many students, not having that knowledge often creates issues. Our rationale for why we felt like we needed to work towards financial literacy was the stress that oftentimes a lack of well-being can create. That stress in the collegiate environment creates a distraction. Sometimes, students feel stressed about trying to navigate a budget that maybe they don’t have, trying to navigate managing their money, and deterring students in the classroom or in their relationships that they have. That deterrence can create situations where students aren’t able to be retained in the academic setting. They may get discouraged. That was really our initial rationale for why it was so vitally important to create Financial Futures.

Another goal that we have is to try to find ways to normalize financial literacy and demystify it, and make it appear less intimidating so that others feel more receptive to ask those questions. Many times, our decisions can be devastating to our financial future because we make bad financial decisions that affect us for years. As simple as making late payments, or defaulting on loans, or possibly bankruptcy. Therefore, we hope to provide a space to guide students along the right path, to help them have an opportunity to make sure that they have a solid foundation and accomplish that financial stability that they desire.

Jackson Harvey

In the light of the importance of that knowledge, in what ways do you think that Financial Futures will help assist students with financial being in upcoming years?

Stacey Lhuillier

When we first started the Financial Futures initiative, it was very important for us to figure out ways to integrate it into the classroom. We found that by helping students with financial literacy their very 1st year they would build upon that base we set throughout their years here at K-State and beyond.

Financial Futures also hopes to highlight the more unique needs between programs and help provide more scrutinized and individual experiences for each student and their background. We hope to go into the classroom and create that relevance, create that excitement, normalize, and demystify financial literacy so that they feel more confident asking those questions with Powercat Financial who are readily available to begin the process of working with them. I always encourage students to regularly sit down with a peer financial counselor to have those conversations to reach those financial goals while they are reaching those academic goals.

Jackson Harvey

Speaking of goals, what are Financial Futures’ goals as they look towards the future?

Stacey Lhuillier

I think one of the important goals in our future is to continually revisit conservations with different colleges on campus each semester to be instrumental in helping them to accomplish their goals.

For example, here in the College of Business we have some methods to try and reach our entry level students. We have a general business class that is a freshman level course where we go in and introduce some of those topics. Then we go to into one of the sophomore classes, a career accelerator class, and we devise the topics that are relevant to the financial aspects of student’s lives, but are career focused, like negotiating salaries and evaluating job offers. This allows students to be exposed to that from the beginning and build upon that knowledge and skillset as they progress through the program. Being able to have a buffet of resources is our optimal goal along with having a financial literacy program accessible for students in every college to meet their needs based on what is necessary for their students. We also plan to expand on these goals to encompass postgraduates and alumni students in the future.

Jackson Harvey

You mentioned a little bit about the Powercat Financial program. How do you see Financial Futures and Powercat Financial working together within the bigger initiative with the goal of financial wellness?

Stacey Lhuillier

Oftentimes in the classroom a presentation will be done by a faculty consultant, as part of Financial Futures to help develop that content. We found a way to divide and conquer, yet at the same time, we reinforce each other. When we go into the classroom, we’re introducing these concepts, getting them excited, helping them to feel comfortable and confident about those topics, but pointing them towards Powercat Financial to have a more individualized experience. At the same time, Powercat Financial goes into these spaces such as sororities, fraternities, clubs, organizations, first year seminar classes, and they help students get excited about what’s happening there. With that excitement Powercat encourages students to go back to their colleges and advocate for financial literacy in their program! We’re really complementing each other and trying to be the full package so that that way the students are getting the exposure they need and they’re getting the resources to reinforce financial literacy.

Jackson Harvey

In summary, what would you want our readers to take away from our conversation today?

Stacey Lhuillier

In order to create a campus wide financial literacy initiative, it is going to take all of us. It truly is. If we all work together, an attempt to try to obtain the knowledge that can guide us to be able to make good solid financial decisions. It can give us the ability to have financial stability and financial success.


Learn more about K-State’s Financial Futures initiative at www.k-state.edu/financial-futures.

 

Jackson Harvey

Peer Financial Counselor II

Powercat Financial

www.k-state.edu/powercatfinancial

What is the SAVE Plan?

Many people have heard about some changes coming to student loans specifically the repayment side of student loans. The major change for students entering repayment is that a new repayment plan has been added. This is the SAVE plan which stands for “Saving on a Valuable Education” Plan. The hope for this plan is to make it easier for people who have taken out loans to pay off said loans. The way that this plan is different from the original repayment plan is that it is supposed to make monthly payments more manageable for individuals and families.

The SAVE plan is in the form of an Income-Driven Repayment plan which essentially means that your monthly payment is determined as a percentage of your income. The SAVE plan will take the place of the REPAYE plan which stood for the “Revised Pay as You Earn” plan. With the new SAVE plan, monthly payments are based on income and family size. This will make it so your monthly payment changes if you have more members of your family. Through this action, people with families should have an easier time making student loan payments every month. The SAVE plan is a good option for lots of people but make sure that you check to see if the SAVE plan is right for you.

 

Not all loans are eligible for the SAVE plan so make sure to check and see if yours are eligible. The loans that are eligible include:

  • Direct Subsidized Loans.
  • Direct Unsubsidized Loans.
  • Direct PLUS Loans made to graduates or professional students.
  • Direct Consolidation Loans that did not repay any PLUS loans made to parents.

 

The SAVE plan began being rolled out this month to individuals already in repayment. Some other updates to the Income-Driven Repayment plan loan forgiveness guidelines also changed. The main change is the length of time that it takes for loans to be forgiven. Loan forgiveness used to take anywhere from 20-25 years, with the updates loan forgiveness can take as little as 10 years depending on your total loan amount. The terms of loan forgiveness are described as if a borrower has $12,000 in loans or less then their forgiveness timeline will be 10 years. Every additional $1,000 that borrowers add to total loans taken out a year gets added to their forgiveness timeline with a maximum of 20 years for undergraduate loans. For example, if an individual takes out $20,000 in loans their forgiveness timeline will be 18 years. The maximum forgiveness for graduate students will be 25 years as these balances tend to be higher.

Another change that is coming later this year with the SAVE plan is that monthly payments for borrowers will be cut in half. This change will take effect in July of this year and will generate monthly payments based on 5% of the borrowers’ discretionary income as opposed to 10% with the current plan. Along with this, those borrowers with a mix of graduate and undergraduate loans will have a rate between 5-10% weighted based on the total of each classification of loan.

The main question an individual may ask is what happens to the extra interest that is not paid with the decreased monthly payment? For example, if an individual has a monthly payment of $60 and their total interest accumulated for the month is $100 there would still be $40 left in interest to be covered. With other IDR plans, this $40 would have been added to their loan balance but with the SAVE plan, this extra interest is actually forgiven by the government. Although this means that your loan balance will not decrease it also means that it will not increase.

The most complicated part of the SAVE plan is the portion on determining the monthly payment. For this example, we will say we are a recent graduate with the average salary coming out of K-State which is $53,500 as of a release in January of 2023.  The equation to determine your monthly payment is equal to:

  1. Calculate your Protected Income: First, you will go through and calculate your poverty level in regard to your family size. For 2024 a single person’s poverty level measures in at $15,060. For most other income-driven repayment plans you would multiply this number by 1.5 or 150% but for the SAVE plan, you multiply this by 2.25 or 225%. This would mean your Protected Income would be equal to $33,885.
  2. Calculate Annual Discretionary Income: The next step would be to go through and calculate your Discretionary Income which is your Adjusted Gross Income minus your Protected Income. Meaning you will subtract $33,885 from $53,500 which is equal to $19,615.
  3. Calculate Estimated Monthly Payment: The final step will be to calculate your monthly payment. To do this you will take the discretionary income of $19,615 and multiply it by 10% then divide it by 12 to calculate for each month. The percentage will change in July so in this example we will look to see what the monthly payment will look like at 5% as well. For the 10% example, the monthly payment would equal out to about $163.46. For the 5% example which will be more applicable for upcoming graduates, the monthly payment will be equal to about $81.73.

 

Students looking to calculate their monthly payments can also use Loan Simulator located on the Student Aid Website. If you have any questions about loans and repayment, make sure to make an appointment with us at Powercat Financial.

 

Keaton Verdict

Peer Financial Counselor I

Powercat Financial

www/k-state.edu/powercatfinancial

Love and Money

Maintaining a healthy relationship with your partner(s) can be tough – finances add an increased level of complexity. There is no set formula for how you should combine your finances with your partner(s). However, the structure below can help guide conversation with you and your partner(s).

 

Gather Financial Details
Before you can decide how to combine your finances with your partners’, you’ll each need to know where your finances stand. If you’ve linked your accounts on a personal finance app, like Mint, then you can start by checking there. But if not, you’ll need to check with each individual institution where you have an account to see where it stands. Some places to check include:

  • Checking and savings accounts (likely your bank or potentially other online financial institutions)
  • Retirement accounts
  • Student loan accounts
  • Other debts, including credit cards, personal loans, car loans, etc.
  • Total yearly income (this could include pay from your regular job, as well as any side jobs you have)

 

Establish Shared Priorities


Settle on a time to talk

It’s important to take the task of combining your finances with someone else seriously, so find some time that works best for you and your partner. Try to allow for at least an hour of uninterrupted time — you may need more, and it’s okay to follow up at a later point. During this time, merge your values and desires with your partner(s) to create a list of joint priorities. Try to avoid conducting this conversation during a particularly stressful time, like right after you both get home from a 10-hour workday.

Keep an open mind

Once you sit down to talk, remember to keep an open mind. Use combining your finances as a time to talk about future goals — both financial and work- and life-related — as well as to discuss overarching views on money. This will help you determine the best method to combine your finances in a way that works for both of you.

 

Decide a Strategy


As mentioned earlier, there is no one way to combine finances with a partner – different couples must try different methods to find what works best for them. Some common ways that people tend to combine their finances that you might want to consider include:

Combine everything and split evenly

Arguably the easiest way to divide and conquer finances as a couple is to throw everything — both your debts and income — into one bucket and just split everything down the middle.

For couples who make about the same amount of money and who have relatively the same amount of debts, this could make a lot of sense, and it’s definitely easier to track.

Combine only certain things

Some couples opt to combine only specific parts of their finances while keeping other things separate.

For example, for student loans that take a large chunk of your monthly income, you and your partner may opt to continue having you pay off that debt on your own, while you combine other joint expenses, like housing, food, entertainment, and transportation needs.

Live off of one paycheck

If it’s possible, some couples opt to have one person pay off the joint monthly expenses while the other puts the entirety of their income towards mutual goals, like savings or paying off debts, etc.

This is a good method if one person makes much more money than the other, or if one person has an income that is less reliable. It’s also a good way to ensure you are always tending to your savings needs.

Combine nothing

It’s entirely possible that after going over your finances, it makes the most sense to keep everything separate, and that’s okay. Especially if you’re worried about what the future might hold, you may want to keep your finances separate to avoid any potential financial problems down the road, at least for the time being.

 

You of course don’t need to cover everything in one sitting — if there are many considerations, you could set a goal to discuss one financial area, like debts or goals, at a time.

 

Take Action


  • Decide which accounts you’ll be combining
  • Create a debt repayment plan
  • Establish a budget
  • Start an emergency fund
  • Save for Retirement
  • Discuss long-term savings
  • Consider buying life insurance

 

Check in Periodically


As with most things regarding finances, just because you’ve settled on one method of combining your finances doesn’t mean that same method will work for you down the road. It’s a good idea to set monthly check-ins, especially during the first few months of your setup, to see how you both are doing and to make any necessary adjustments.

 

Upcoming Event: Love & Money

Are you beginning to think about what it looks like to combine your finances with your partner? There are several things to consider: goals, debt, financial accounts, attitudes, and expectations. Attend our Love and Money workshop TODAY to learn about these topics and learn some strategies that will help you merge your money and financial lives together.

Megan McCoy, assistant professor of personal financial planning, and myself will provide helpful resources and tools. Attendees must RSVP. Faculty, staff, and student couples are welcome. Free refreshments and date night prizes drawings for attendees.

 

RJ Salmen

Peer Counselor III

Powercat Financial

www.k-state.edu/PowercatFinancial