10 Budget-Friendly Christmas Decor Ideas

Tis the season! Thanksgiving is over and if you haven't already, it's time to break out the Christmas decor. If you're looking for some great ways to decorate your home and tree on a budget, we rounded up 10 ideas from around the web for you.


1. Tack and String Ornaments (Source)

2. Mason Jar Lid (Source)

3.  Glitter Lights (Source)

 

4. Paper  (Source)

 

5.  Baby-food Jar Snowman (Source)

 

6. Glass filled with water and a couple drops of food coloring with floating candle (Source) 

 

7. Pine-cones (Source)

 

 

8. Holiday Card Garland (Source)

9. Gift Wrap Center Piece (Source)

10.  Organic Art (Source)

8 Tips to Protect Your Identity

Identity theft continues to be one of the fastest growing crimes in the United States. In 2015, there were 13.1 million victims of identity fraud in the U.S., according to Javelin Strategy and Research.

 
1. Don’t share your secrets.
 
Don’t provide your Social Security number or account information to anyone who contacts you online or over the phone. Protect your PINs and passwords and do not share them with anyone. Use a combination of letters and numbers for your passwords and change them periodically. Do not reveal sensitive or personal information on social networking sites.



2. Shred sensitive papers.
 
Shred receipts, banks statements and unused credit card offers before throwing them away.
 

3. Keep an eye out for missing mail.
 
Fraudsters look for monthly bank or credit card statements or other mail containing your financial information. Consider enrolling in online banking to reduce the likelihood of paper statements being stolen. Also, don’t mail bills from your own mailbox with the flag up.
 

4. Use online banking to protect yourself.
 
Monitor your financial accounts regularly for fraudulent transactions. Sign up for text or email alerts from your bank for certain types of transactions, such as online purchases or transactions of more than $500.






 
5. Monitor your credit report.
 
Order a free copy of your credit report every four months from one of the three credit reporting agencies at annualcreditreport.com.
 

6. Protect your computer.
 
Make sure the virus protection software on your computer is active and up to date. When conducting business online, make sure your browser’s padlock or key icon is active. Also look for an “s” after the “http” to be sure the website is secure.
 

7. Protect your mobile device.
 
Use the passcode lock on your smartphone and other devices. This will make it more difficult for thieves to access your information if your device is lost or stolen. Before you donate, sell or trade your mobile device, be sure to wipe it using specialized software or using the manufacturer’s recommended technique. Some software allows you to wipe your device remotely if it is lost or stolen. Use caution when downloading apps, as they may contain malware and avoid opening links and attachments – especially for senders you don’t know.
 

8. Report any suspected fraud to your bank immediately

Cyber Security Week 3: Your Phone

With your mobile device, you have access to your email, bank, social media, etc. And it's super convenient right?! Unfortunately, if you're not smart it could provide the same convenient access to criminals. So, how can you be smart about it? Well, here are a few tips.


1.      Use a pass-code to lock your smartphone and other devices. If your device gets lost or stolen, it will be harder for anyone to take your info.

2.      Log out completely when you finish a mobile banking session.

3.      Protect your phone from viruses and malicious software just like you do for your computer. Install mobile security software.

4.      Use caution when downloading apps. Apps can contain malicious software, worms, and viruses. Beware of apps that ask for unnecessary “permissions.”

5.      Download the updates for your phone and mobile apps. Often they hold security updates as well.

6.      Avoid storing personal information like passwords or a social security number on your mobile device.

7.      Tell your financial institution immediately if you change your phone number or lose your mobile device. 

8.      Be aware of shoulder surfers. The most basic form of information theft is observation. Be aware of your surroundings especially when you’re punching in sensitive information.

9.      Wipe your mobile device before you donate, sell or trade it. There is specialized software you can use or ask about the manufacturer’s recommended technique. Some software even allows you to wipe your device remotely if it missing or stolen.

10.  Mobile phishing happens. Avoid opening links or attachments in emails and texts, especially from senders you don’t know. And be wary of ads (not from your security provider) claiming that your device is infected.

11.  Don't Always Use Public Wi-Fi. Public connections aren't very secure, so don’t perform banking transactions on a public network. If you need to access your account, try disabling the Wi-Fi and switching to your mobile network.

12. Report any suspected fraud to your bank immediately.

Cyber Security Week 2: Randsomeware

Have you ever heard of Ransomware? It's a form of malware.  Cyber criminals use it to freeze your computer or phone, steal your info and demand a “ransom”.  They'll demand anywhere from a couple of hundreds to thousands of dollars before releasing your devise.  And often, even if you pay (which we don't recommend), you don't get access back.
Ransomware can affect your personal computer, phone, a business network, or a whole server.

Tips for consumers:

• Don’t click. Sometimes, just visiting a suspicious website can lead to a malware download. Be cautious when opening e-mails or attachments you don’t recognize. Even if the message comes from someone you know, their account could be compromised as well.
• Always back up your files. If you have offline copies of your personal information, ransomware scams won't affect you as bad. If targeted, it will be easier to ignore threats posed by cyber criminals.
• Keep your computers and mobile devices up to date.  Having the latest security software, web browser and operating system are the best defenses against viruses, malware, and other online threats. Turn on automatic updates so you receive the newest fixes as they become available.
• Block popups. Turn on popup blockers to avert unwanted ads, popups or browser malware from appearing on your screen.

Tips for businesses:

• Educate your employees.  If your employees understand how malware works, they can stop it from infiltrating the organization’s system.  Educate them about the warning signs, safe practices, and appropriate responses. A strong security program paired with employee education will help prevent these threats.
• Manage the  accounts. Restrict users’ ability to install and run software applications on network devices. this will limit your networks exposure to malware.
• Use a data backup and recovery plan for all critical information. Backups are essential for lessening the impact of potential malware threats. Store the data in a separate device or offline so you can access it in the event of a ransomware attack.
• Make sure all business devices are up to date. Ensure antivirus and anti-malware solutions are set to automatically update and conduct regular scans so that your operating systems operate efficiently.
• Contact your local FBI field office immediately to report a ransomware event and request help. Visit https://www.fbi.gov/contact-us/field to locate the office nearest you.

Cyber Security Week 1: Protecting Yourself Online

We all know the internet has many advantages. But,  it can also make users vulnerable to fraud, identity theft and other scams. According to Symantec, 12 adults become a victim of cyber-crime every second. 


 
Users aren't always helpless though. Here are 7 ways you can step up your game against cyber criminals:


1.      Keep your computers and mobile devices up to date.  Having the latest security software, web browser, and operating system are the best defenses against viruses, malware, and other online threats. Turn on automatic updates so you receive the newest fixes as they become available.

2.      Use strong passwords. What does that mean? It should be at least 8 characters long with a mix of upper and lowercase letters, numbers, and special characters. For example, P@$sw0Rd7 instead of just password. Something more unique to yourself would be even better.

3.      Don't Fall for phishing scams.  This type of scam uses fraudulent emails and websites to trick users into sharing account or login information. Do not click on links or open any attachments or pop-up screens from sources you are not familiar with.
If you get an email and aren't sure about it,  forward it to the Federal Trade Commission (FTC) at spam@uce.gov. You should also forward it to the company, bank, or organization impersonated in the email.

4.      Protect your personal information. Hackers can use what you post on social media to figure out your passwords and answer those security questions in the password reset tools. Lock down your privacy settings and avoid posting things like birthdays, addresses, mother’s maiden name, etc.  Be wary of requests to connect from people you do not know.

5.      Secure your internet connection. Always protect your home wireless network with a password. When connecting to public Wi-Fi networks, be cautious about what information you are sending over it.

6.      Shop safely. Before shopping online, make sure the website uses secure technology. When you are at the checkout screen, verify that the web address begins with https. Also, check to see if a tiny locked padlock symbol appears on the page.

7.      Read the site’s privacy policies. Though long and complex, privacy policies tell you how the site protects the personal information it collects. If you don’t see or understand a site’s privacy policy, consider doing business elsewhere.

Tips for Repaying Your Student Loans

Did you graduate this spring? If so, chances are you're loaded with student loan debt. In fact,  2016 graduates average $37,172 in student loan debt. Yikes! So what can you do?

Stay in touch with your lender

This is especially important if you decide to move (which many grads do). Your lender needs to know how to reach you. It might be as simple as a website form or a phone call.

 What if you have difficulty making payments? Whether because of unemployment, medical condition or injury, etc. By keeping in touch with your lender, you should be able to adjust your payments or schedule when needed.

Consolidation: pros and cons

 
How much goes here? When is this one due? Who does this check go to? Where's that address? Yeah. It's overwhelming sometimes. A consolidation loan combines several loans into one. Then, all you have is a single monthly payment and one fixed interest rate. 

The downside is it will usually extend your repayment period. This means you will pay less each month, but you'll be paying longer to get it paid off. The pros? You may get a better interest rate and it is more convenient and easier to budget. 

One important consolidation tip: Never consolidate federal loans into a private student loan. You'll lose all the repayment options and borrower benefits that come with federal loans (like unemployment deferments and loan forgiveness programs).

Take advantage of the tax breaks!

Have you ever filed taxes before? Maybe not. Be proactive and research what deductions you qualify for. The Student Loan Interest Deduction allows taxpayers to deduct up to $2,500 of the interest paid on student loans. The best part is, even if you do not itemize your taxes, you're still allowed to claim this deduction. 

Just watch for your 1040 form(s) to arrive - each lender will send you one - and follow the instruction on them. Even if you use a product like Turbo Tax, you'll still need the information on the form. 

Don't be afraid to ask for help. The financial aid counselor at your alma mater and/or  your lender are great resources for advice.  Another good resource is StudentAid.ed.gov. It has tools like repayment estimators and information on repayment plans for federal student loans.

Sending Your Kid to College (the financially smart way)

The years have flow by. Now, your son or daughter is preparing to step into adulthood. How can you help them make smart choices about college? While each situation is different, here are a few ideas to think about.

Different Colleges have Different Costs

Many times it's easy for students to compare colleges only thinking about the programs, dorms, location, or just where their friends are going. They know whatever school they go to will be expensive and a few thousand difference in tuition won't really matter. Obviously, take the quality of education into consider, but all the little costs can add up and determine how successful life after graduation will be. 

When you're comparing college costs, there are several things to look at:

• Tuition costs (don't just look at one year or semester, but the total cost)
• Financial aid availability
• Living expenses (include cost of food, travel, housing, parking if needed, etc)
• School related expenses (books, computer software, tutoring, equipment, trips, etc.)

All of the above expenses vary greatly across schools. These seemingly small expenses can add up quickly over 4 years. Here is a great resource for comparing the costs of college options: http://www.consumerfinance.gov/paying-for-college/compare-financial-aid-and-college-cost/.

Look into Alternative Options

The trend right now is to get into a 4-year school right after high school. But, it's important to look into other options as well. If your student is undecided what to major in, it can make sense to attend a technical college for a few years first to earn generals, rather than putting a few years into a major only to change it. Most general courses will transfer between schools, but it's always important to double check. Or, spend a few years in the work force before starting college. Why pay for classes unless you're sure you will use them?

Or, maybe your student could save a few bucks by taking some or all of their courses online. It often has a lower price than the same course taken in a classroom. 

Look into your housing options...does your student need to stay in the dorms or is there a cheaper option? 

Does your student need a car or would public transportation and a bike be the better option?

Each situation will be different, so make sure you are looking at the big picture and not overlooking the less popular options.

Is a Credit Card a Good Idea

Discuss the pros and  cons of a credit card. They can be an effective way to build credit score and are handy in a pinch. But, if used irresponsibly or if payments are missed it may just land them in even more debt.

Do They Need a New Bank

If your student is moving out of town to attend college, consider the pros and cons of opening an account at a bank closer to the school. You may believe it would be more convenient for your student to have their bank close by. On the other hand, if they remain at your local bank it will be easier for you to check up on them and give them a helping hand when needed. If your student has online and mobile banking options, they may not need to bother opening a new account at all. 

Can They Save on Supplies

Books, computers, specialized equipment, dorm room necessities, the list goes on and on. Depending on the class, your student might be better off renting their textbooks or at least buying them used. Also, check with both the schools bookstore AND online or other bookstores. You never know which might have the better deal. 

Check if the college has a laptop rental or how late the school library is open. If your student could get his/her homework done on the school's equipment, maybe a laptop isn't even necessary. 

Start with the minimum for dorm room furniture and supplies. What does your student actually NEED? Probably a lot less than the media would have you believe. Start with the bare necessities and buy more on an as needed basis.