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Hands writing out a holiday budget on a notepad.

Planning for Holiday Expenses on a Tight Budget

The holidays are a time to spend with family and friends sharing good food and gifts. Unfortunately, this time of sharing can create stress for individuals and families who are living on a tight budget. Planning ahead and making decisions about spending will help the holidays be more enjoyable.

A wooden car cutout placed inside a small shopping cart next to a calculator and a notebook.

Shopping for Car Insurance

Before you shop for car insurance, consider these question. Does affordable car insurance mean the cheapest price, or does it mean getting the most for your money?

Several colored gear icons representing different categories of insurance.

Insurance

Insurance is a contract with an insurance company that promises to pay for certain financial losses you suffer if you pay a premium. Many include a deductible which you must pay before the company begins to pay for the loss.

A mother and two daughters pulling sleds through an open field.

The Value of Holiday Experiences

More and more people are changing how we give presents. Instead of focusing on the price tag, they are focusing on the experience of the gift. Here are a few options that are inexpensive and often more valuable than anything money itself can buy.

A whiteboard outside a home pantry with a shopping list and a stock list.

Helpful Food & Shopping Tips During Unexpected Events

When faced with unexpected events, such as a health crisis or natural disaster, planning meals and grocery shopping often comes to mind along with questions: What should I plan to make? What groceries do I need?

Hands holding a notebook with a meal planning grid drawn out. The grid has sections for breakfast, lunch and dinner across several days.

Reduce Stress With Meal Planning

We all experience a variety of stress in everyday life. One way to reduce unnecessary stress is the plan meals in advance.

A young couple reviewing their family budget on a clipboard.

Personal Financial Management During a Health Crisis

A health crisis can have both immediate and long-term impacts on our personal financial management. Take these steps to get control of your finances during a health crisis.

A family budget plan sitting on a desk with a pen and pencil.

Managing Your Stimulus Payment from the CARES Act

Congress just passed the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) to help consumers cushion the financial impact of the Covid-19 spread. The amount of the benefit will vary depending on your income and family size.

A doctor consulting a patient about healthcare options.

What to Do If You’ve Lost Your Health Insurance

Whether the business you work for is shutting down temporarily or it needs to scale back its staff, make sure to ask your employer when your last day of health coverage it. This will help you better understand what timeline you have for your existing health care coverage.

A man reviewing an information packet on creating a last will and testament.

End of Life Documents You Should Have in Place

COVID-19 infection and mortality rates fill the news programs. Across South Dakota and the nation, people are have made changes to their lifestyle and the way they accomplish many everyday activities. In response to this illness and the potential for long-term hospitalization and even death, individuals over 18 should also ensure their end of life documents are up-to-date.