Your home is in desperate need of remodeling, but your budget won’t allow for major construction. Lucky for you, we have hacks to make your home just like new! Cover old couches with slipcovers to make them look like new, and put new fronts on old cabinets for a fresh look, and while you’re in the kitchen, use granite-look contact paper to refresh your countertops, and mirrored tiles to create a new backsplash! New light fixtures are an inexpensive way to change your look.

When most of us make our monthly budget, we list our fixed monthly expenses and move on from there; however, taking a close look at those can save you money! Consider refinancing your mortgage, and using a zero-interest balance transfer or personal loan from AgFed to consolidate credit card debt. Shop around for better auto insurance rates, and even challenge the assessment on your home to see if you can drop your property taxes. You can cut your monthly bills!

Everyone deals with stress and anxiety. Whether it’s work-related, issues at home, health problems, or something else, stress can weigh you down emotionally and physically. Some people tend to turn to indulgences, such as emotional spending, to relieve tension in their lives. While this may help make you feel better in the short term, the long-term effects could lead to situations that cause even more stress – such as excessive debt.

Quick! How many savings accounts do you have? When was the last time you made a deposit? Old accounts can be declared dormant, and getting your money back can be difficult. Keep track of your accounts, set up automatic deposits and do regular cleanups of special-purpose accounts to make sure you don’t fall into this trap!

Would spring cleaning be easier if you made some extra cash doing it? It’s possible! Trade in old electronics and video games, and sell old smartphones for quick cash and gift cards. Used books won’t bring a ton, but something is better than nothing (and textbooks can bring a lot more). Even your old clothes can be worth something through consignment outlets! And if you can’t sell something in your area, there’s always eBay! Have you spring-cleaned your way toward extra cash?

Be wary of any lawn-care company that offers a price before actually looking at your yard, check the references of any business you allow on your property and, of course, get EVERYTHING in writing. Failing to be careful can leave you with bigger problems than brown spots or wilted shrubs! Treat lawn care like any other business deal and you’ll be ahead of the game.

Before you swipe your card, it’s essential to understand the ins and outs of credit card rates, including what to consider before choosing which card to use.

Learn six questions your car salesman hopes you can’t answer. Steer clear of financing traps and hidden costs, and get the best deal you can.

Are you befuddled by the metaverse and the concept of NFTs? Well, think of an NFT as the virtual piece of art you hang on the wall of your virtual house in the metaverse. They’re both completely digital creations, but thanks to some serious technology, they’re becoming “real.” You’ll soon be able to bank, shop, host parties and market digital wares in the metaverse, and each of those wares will need an NFT to keep others from making unauthorized copies of it. It’s the brave new world.