• Starting Your Financial Life? Here Are Tips For New College Graduates

    Graduation is the end of one phase of your life — and the beginning of an exciting new one. You’re on your own. You’re ready to start your career (or take a stop-gap job until you find the right position in your field). And you’re poised to make your own financial decisions, maybe for the first time in your life.

    You have all the power here. But, as they say in Spider-Man, “With great power comes great responsibility.”

    Here are some steps you can take to make responsible choices with your finances as you’re starting out.

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    Starting Your Financial Life? Here Are Tips For New College Graduates
  • Financial Literacy FAQ

    Financial Literacy FAQ

    Money topics can spark lively online conversations. Whether shared in social media posts or website comment sections, much of the information can leave you feeling more confused than when you started. Whether due to incomplete answers or a failure to consider an individual's financial status, learning about personal finance can be a challenge.

     

    To help improve your financial literacy, we've gathered some of the most frequently asked questions (and the answers!) about credit, savings, making a major purchase, and retirement planning.

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  • Financial Literacy Quiz

    According to a National Financial Capability Study, financial literacy rates among Americans have decreased from 42% to 34% since 2009 — yet 71% of Americans believe they know more about personal finance than the data suggests. This has real-world implications for how people manage money today and prepare for their financial futures. How financially savvy are you?

     

    Complete this quiz to gauge your financial literacy IQ.

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    Financial Literacy Quiz
  • How to Survive Inflation

    How to Survive Inflation

    The last time you went to the grocery store, did you wince when you realized how all the price increases you saw on the shelves added up on your final bill? How about when you filled your gas tank? Or ate at a restaurant?

    It’s no secret that prices are going up. The national inflation rate is 7.5%, and fuel costs are a huge part, increasing nearly 40%. Hawaii has always had higher prices than the mainland, so these price increases put us way over the national averages.

    What can you do to reduce the impact of inflation on your budget?
     

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  • Budgeting on a fixed income

    HawaiiUSA’s own Kim Dodson, Financial Wellness Partner and Certified Credit Union Financial Counselor, gives budgeting tips to kupuna and those living on a fixed income. See the interview with Diane Ako on KITV’s Aging Well.

     

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    Budgeting on a fixed income
  • What is a Mobile Wallet and how to use one

    What is a Mobile Wallet and how to use one

    Is your wallet one-too-many credit cards away from resembling a condensed brick made of mostly plastic cards? 

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  • Tax Tips for Side Work

    Have you ever had a friend or family member ask you to help them by using the skills you’ve learned on the job? Perhaps you’re putting your HVAC experience to use by upgrading their air conditioning or using your years as an auto technician to finally solve that pesky check engine light. Or maybe you’re helping their new business get off the ground by designing a website.

    And once you help one person, they tell their friends. And they tell their friends. Suddenly, you’re working many weekends. Wait, did you just start your own side hustle?

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    Tax Tips for Side Work
  • Setting financial goals - tips for beginners

    Setting financial goals - tips for beginners

    Retiring early, losing weight, and even starting a business necessitates planning to turn these dreams into reality. Each one requires that you set a series of realistic goals. Failing to do so can leave you with dreams for financial or physical improvement that are never realized.

    But, it can be tough to know where to start with financial goal setting.

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  • Smart Holiday Spending During Rising Inflationary Periods

    With the holiday season fast approaching, you'll soon find yourself shopping for festive decorations, meaningful gifts, and a host of other merry expenses that pop up this time of year. But, this season is unlike those in recent memory. You've probably noticed that everything from gasoline to ground meat costs more today than it did a year ago. If you're intent on getting the most for every dollar you spend this holiday season, then shop now before prices go up even more.

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    Smart Holiday Spending During Rising Inflationary Periods
  • How to stay secure while shopping online

    How to stay secure while shopping online

    To help protect your identity and practice safer online security measures, here are some tips when shopping online

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  • Do's and don'ts of living on less

    Whether it be a temporary setback or permanent lifestyle adjustment, you will get through this

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    Do's and don'ts of living on less
  • 5 tips for lowering your monthly grocery bill

    5 tips for lowering your monthly grocery bill

    When it comes to saving money in Hawaii, your food bill is a tough expense to lower.

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  • 3 tips for managing your checking account

    Understanding how to manage your checking account is an important step toward financial success. 

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    3 tips for managing your checking account
  • 5 Non-traditional jobs that can generate income fast

    5 Non-traditional jobs that can generate income fast

    If you suddenly find yourself in dire need of extra cash to pay bills, try your hand at generating income with one (or more) of the jobs in this list.

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  • What you should know about social payments

    A few things you should know about social payment apps before you sign up for the service.

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    What you should know about social payments
  • Can you use the KonMari method to tidy up your finances?

    Can you use the KonMari method to tidy up your finances?

    Here’s how you can find your way to financial tidiness in five steps.

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  • Shopping

    Tips to help you stay on track with minimal financial regrets

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    Shopping
  • Adventure

    Adventure

    Are you staring at the clock hoping the work day will end? Did the week just start and you’re already looking forward to the weekend? If the answer to either of those questions is yes, it sounds like you’re in need of a little adventure!

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  • Travel

    The bags are packed and you’re almost ready to go! We all look forward to vacation, but before you head out the door make sure you have everything you need.

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    Travel
  • Food

    Food

    Nothing is as universal as food. But whether you’re eating in or spending an evening out on the town, why not save a little money without sacrificing that perfect bite?

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  • Need/no need: dorm room essentials and inessentials

    Buy this, not that. Know when to splurge and when to buy the cheap stuff.

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    Need/no need: dorm room essentials and inessentials
  • Need/no need: budget practices

    Need/no need: budget practices

    A college student’s guide to budgeting and saving.

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  • Need/no need: social engagements/entertainment

    Have fun with your friends, without going broke. Learn how to save money and have a social life.

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    Need/no need: social engagements/entertainment