Myth: You don't need an emergency fund if you have credit cards. Fact: Relying on credit cards for emergencies can lead to high-interest debt. An emergency fund provides a financial cushion without the added burden of interest payments.

Looking for ways to save money this Earth Day (and beyond)? Try these four eco-friendly financial habits. 🍃 1. Reduce energy consumption. Save on utility bills by using energy-efficient appliances and turning off lights. 2. Use public transportation. Save money on gas by using public transit, biking or carpooling. 3. Buy second-hand. Purchase used items to reduce waste and save money. 4. Conserve water. Install water-saving fixtures and be mindful of usage to lower your bill.

#MotivationMonday

Given the number of recent natural disasters across the country, I feel it’s a good time to remind members of the Modern Woodmen program, Financial Relief Fund. This program is for members suffering a financial hardship due to a serious health problem, fire or natural disaster. You can find more information here or contact me to learn more. https://www.modernwoodmen.org/my-membership/member-benefits/financial-relief-fund/