UNIFY's blog

Remodel vs. Renovation: How to Decide How Much “Love” to Give my Home?

Remodel vs. Renovation BlogIf you’re a homeowner, there will come a time when you will want to refresh your home. Sometimes a few new throw pillows and a fresh coat of paint will do. In other instances, you might be considering big changes, like a remodel or renovation.

The dollars can add up in either situation, but here are a few key things to consider as you decide how to update your home.

Understanding Club Savings Accounts

If you’re looking to save for a specific short-term goal, you may want to consider opening a dedicated savings account. Many financial institutions offer these accounts, also known as club savings accounts, for major spending events such as holiday shopping, vacations and even taxes.

How Your Tax Refund Could Improve Your Credit

Money can’t buy you a good credit score, but you might be able to use your income tax refund strategically to polish your credit. How to go about it depends on where you are in your credit journey.

Time for Your Financial Literacy Check-up

Time for Your Financial Literacy Check-up BlogWhile most Americans associate April with the beginning of spring, the entire month is also dedicated to financial education. Spring cleaning usually consists of scouring every nook and cranny of the home, but our finances deserve a thorough scrubbing as well.

Budgeting No Fun? Try Gamifying Your Financial Goals

My wife and I once tried wearing cat and dog masks to talk about money. Our previous attempt to make a budget ended in shouts and pointed fingers, and I thought this might help tame our hair-trigger emotions.

Instead, it sparked another disagreement over spending. “I was thinking something more Cirque du Soleil,” she said through the rubber cat mask I bought her. “I feel like we’re about to rob a bank.”

The Benefits of a Home Equity Line of Credit

January 2019 BlogBefore the Great Recession, homeowners weren’t shy about opening and utilizing home equity loans and lines of credit. After all, home values were through the roof, and many saw the benefits of tapping into their equity to consolidate debt and pay for big purchases, like cars and college educations.

This Winter, Your Credit Should Freeze, Too

Before you tackle lofty financial resolutions like paying off debt this year, do yourself a quick favor and freeze your credit reports. It’s free, doesn’t affect your credit score and helps protect your financial future.

Credit reports summarize your payment history with creditors and are automatically generated by the three major credit bureaus: Equifax, Experian and TransUnion. Freezing them prevents fraudsters from opening a new line of credit using your personal information.

10 Tips for Paying off Student Loans Faster

10 Tips for Paying off Student Loans Faster

Are you one of the 44.5 million Americans sporting student loan debt? According to the latest Federal Reserve statistics, outstanding student loan debt now tops more than $1.5 trillion, and 66 percent of the individuals with a tab are 30 or older.

How to Stay Afloat Financially in a Federal Shutdown

When you have a pile of bills and no paycheck, address the essentials first. That means the roof over your head, medicine, food, heat, electricity and — for those who still must report to jobs despite a government shutdown — getting to work.

What can wait? Almost everything else.

Five New Year’s Resolutions to Make You Richer

Five New Year’s Resolutions to Make You RicherA mere eight percent of people actually achieve their New Year’s resolutions. Ouch! So often, we set good intentions and get hyped for great things to come, but we lose steam–often in just a few weeks.


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