Happen Bank Resource Center

Personal Finance Resources

Credit card consolidation loans: How to pay off multiple cards with one fixed rate

A credit card consolidation loan replaces multiple high-interest card balances with a single fixed-rate personal loan – one monthly payment, one interest rate, and a defined payoff date. For borrowers carrying balances at 21.39% APR or higher, the interest savings are often substantial. The math works for the same term when your consolidation loan APR is lower than your current weighted average card APR and the fixed monthly payment fits your budget.

Why is budgeting so important for financial success?

Budgeting is a lifelong money management skill that can help you control your spending, save for the unexpected, and build a strong financial foundation.

What is credit utilization? (and how to improve it)

Your credit utilization rate measures the balances of your revolving accounts against your credit limits. Naturally, your ratio can influence your credit scores. A low utilization rate could improve your credit scores while a high utilization rate may hurt them.

Can allowances help kids build smart financial habits?

Allowances are common in the U.S., but it’s important to weigh out the pros and cons before giving your kids an allowance.

7 financial lessons every teen needs to know

A growing number of school districts are adding financial literacy to the high school curriculum with the goal of increasing teens’ financial skills. Do you remember learning about money?

7 ways to practice self-care on a budget

Self-care doesn't have to be expensive. Here are some creative, low-cost strategies to boost your mental well-being.

Understanding your credit score

Your credit score is a big factor in determining your interest rate and whether you qualify for a loan. By better understanding the key factors that make up your credit score, you can feel more in control.

Why did my credit scores go down?

Skipping bill payments, carrying more debt, or applying for a lot of credit at once may cause your credit scores to take a dip.

How to shift your money mindset from scarcity to abundance

Shift from scarcity to abundance by focusing on financial growth, saving, and investing. Prioritize long-term goals, celebrate progress, and adopt a mindset of opportunity rather than limitations.

Empowering financial resources and tips for every woman

For centuries, American women have fought for gender pay equality, lobbied for financial autonomy, and more than earned their places of leadership in the economy. Women and their legacy have impacted today’s world and economy in countless ways.

How to shift from two incomes to one income

Giving yourself time to prepare can help you maximize your success when you go from two household incomes to one.

How to create your ideal wedding budget

Setting a wedding budget may not be as difficult or overwhelming as you think. This guide will help you keep it simple.

The pros and cons of credit cards

Credit cards are a widely accepted, convenient form of payment, but they come with potential drawbacks like high interest rates and fees when not used responsibly.