Buying your first home can be an exciting experience. Yet, with that excitement can come a laundry list of items to address to ensure your purchase goes off without a hitch. Give yourself the best chance for success by following the tips for first-time homebuyers listed below.

Help! I am buried in a pile of stuff! What can I toss and what should I keep?

In today’s consumer-driven world, we all tend to over accumulate. Decluttering is not only a popular buzz word but is actually a healthy habit. Getting rid of unnecessary material items helps one to function better in less crowded surroundings and very importantly, eases the psychological stress and anxiety that comes with owning and caring for too much stuff.

Americans move an average of 11 times in their lifetime. Packing up and moving out of your home is a big undertaking. Especially when you have accumulated years of “stuff”. Moving across town is tough. But moving across the country? Now that can be stressful. I moved from Texas to Florida last year and I learned a lot of definite “to-dos” and even more importantly, “what not to-dos”. If you’re planning on relocating to a different city or even state, here are some things to think about before making the big move.

As a massive group of individuals that recently transferred into adulthood and the largest generation currently in the labor force, millennials have a big impact on the financial landscape in many ways. As a generation, they stress a number of ideals that impact their relationship to finance, as well as their spending, saving, and investing habits.

When people are considering purchasing a motor vehicle, they often focus on the sticker price. Even though nobody likes to go over budget and pay more than they have to for a vehicle, it is important to consider the actual cost of owning a car. In some cases, people might be able to afford the car’s sticker price but not be able to afford the additional costs that come with it. With this in mind, how can people figure out the actual cost of owning a car? What are some of the factors to consider? We Florida Financial has done some of the research for you.

Last summer, credit reporting agency Experian released some sobering data on Millennial credit scores. Older Millennials, or those between 29 and 35, have an average credit score of only 665, while younger Millennials aged 22 to 28 are an average of 13 points lower, at 652.

Automatic Dependent Surveillance-Broadcast (ADS-B) is part of the FAA’s Next Generation Air Transportation System (NextGen) for air traffic control. It’s a satellite based system which allows pilots to see in the cockpit what air traffic controllers are seeing on the ground, including other aircraft and any potential hazards from weather or terrain. Pilots approaching airports will also be able to see the location of aircraft and support vehicles on the ground, and a collision avoidance system is in development.

With the excitement of a new home comes the need to protect it. That's where your homeowner's insurance comes in. Choosing the right policy and coverages can give you peace of mind knowing that when disaster hits, you will be prepared for it. So what types of coverages should you have on your policy to best protect your home?

As evidenced by warnings to avoid keeping up with the Joneses, the fear of missing out, or FOMO as it is known today, has long posed a threat to finances. With the advent of social media, however, FOMO has become more prevalent – and people are financially overextending themselves more than ever before as a result. You can protect yourself and your finances from this phenomenon by becoming aware of the problem and taking smart steps to halt the urge to indulge in this fear.

It’s official. The holidays are over. As you take down the tinsel and the ornaments, put away the bone china, wash the linens and adjust to the quiet of a house without fifteen guests, you feel a natural depression. How can you beat these post-holiday blues?

About 5 years ago, my husband and I decided to adopt a tiny, 3-pound puppy we called, Sofia. We rescued her from a dirty, dingy puppy mill. She was actually covered in newspaper ink when we found her.

No one is ever certain about how life will turn out. This is why we often secure our assets and protect our family with insurance: car insurance in case we get into an accident and total the vehicles, home insurance for an unexpected natural disaster, and even pet insurance to secure our beloved furry members of our family.

A Chinese philosopher once said that “the journey of a thousand miles begins with a single step.” Try these tips. You will soon be on the road to financial fulfilment.

It’s the credit union philosophy. People helping people. In the financial world, the credit union strives to improve the lives of our members. We in turn encourage our members to help others in the wider community. In this season of giving, I believe an easy way to do this is to support a worthy cause when we buy presents for ourselves or for loved ones. Here are some worthwhile charities that will give back to others when you purchase their products.

If you've been dreaming about owning a recreational vehicle (RV) but you've been having difficulty finding a lender that offers reasonable interest rates, have you considered signing up for membership with a credit union? In Florida, one of the most trusted credit unions is We Florida Financial; so if you want better interest rates on RV loans in Florida, you shouldn't pass up the chance of becoming a member of this premier credit union.

If someone gave you $100 with no strings attached, you would it take it, wouldn’t you? Yet every year, thousands of boat and RV owners miss the chance to take home hundreds of dollars by choosing to refinance their loans at lower rates. There are plenty of reasons to refinance your recreational vehicle loan, but here are some of the best:

You might already be a credit union member or perhaps someone who has thought of joining one. But how much do you really know about credit unions? Here are a few interesting facts to consider.

It’s the season for joy and happiness. It’s also the time to shop, shop, shop. The National Retail Federation estimates that Americans spend an average of $940 every year on seasonal expenses. It’s a large amount to spend in a few weeks. More significantly however, the spending is accompanied by frenzy and stress. In fact, the American Psychology Association ranks the pressure of gift giving as one of life’s top four stressors.

Two surveys came out recently that investigate how likely credit card users are to miss a payment. The first survey from Nerd Wallet polled 2,000 people to find out how many had made a delinquent payment. The second survey from CreditCards.com polled 1,000 adults to ask the same type of question.

As I approach retirement I am looking at my finances and wondering when I should actually retire and will I have enough money to live on. Will I be financially comfortable in retirement? I believe when planning for retirement you should have two goals in mind.