The holidays provide some “down time” for most people. As you get a chance to catch your breath from a busy schedule, take some time to think ahead about your personal finances for the coming year.

Many people share the spirit of the holiday season through charitable giving. Unfortunately, scammers often try to take advantage of people’s generosity by creating fake but convincing causes for donations this time of year.

For many people, the phrase “credit score” causes anxiety. But reviewing your score on a regular basis can be important for your financial health: knowing your credit score means you’ll be more informed when it’s time to borrow money for a major purchase like a new house or car.

The financial challenges of inflation are real, but you can get good ideas for saving money from your family members, friends — and the folks at Cinfed!