Embers Blog

Borrowing + Credit

How To Manage Your Debt: Strategies & Tools

Types of Debt

Borrowing + Credit

Credit Scores

Your credit score is an actual number, between 300 and 850. The higher the number, the better: a score of 740 to 799 is considered very good...

Life Changes

The Cost of College Life

One of the many mysteries of college, especially freshman year, is what being there is actually going to cost. Sure, you know there’s tuitio...

Borrowing + Credit

How To Manage Your Debt: Strategies & Tools

Types of Debt

Budgeting

Starting Points Your budget is your blueprint for keeping cash flow positive, and for sticking to your saving goals. If you have a partner, ...

Budgeting

Envelope Budgeting

How Does the Cash Envelope System Work?

Savings

50/30/20 Rule

The 50/30/20 rule is a simple, practical rule of thumb for individuals who want a budget that's easy and effective. It offers guidelines for...

Budgeting

What is inflation?

What is Inflation? The price of goods and services—stuff you buy—isn’t constant; prices change over time. When prices go up, that’s inflatio...