summit-bracket2 bracket2 atm-outline location-pin-outline location-pin-filled atm-filled calendar2 bracket google-play[2] app-store summit-location-pin-lg code lock user worksheets phone print programs open pdf checkmark-form close-x close download checkmark-chart checklists blog-tools social-facebook social-google-plus social-pinterest LInkedIn-2C-128px-R instagram-rainbow social-twitter social-youtube ehl calendar calculators bracket22 checkmark email text-area-corner external-link success error information warning calendar-add-event auto-rates mortgage-rates home-equity new-certificates ncua summit-logo-itmoi arrow-left arrow-right checkmark2 summit-logo-white summit-bracket silhouette arrow-down arrow-up auto-rates2 blog calculators2 call ehl2 home-equity2 itmoi locate mortgage-rates2 new-certificates2 programs2 search summit-location-pin-sm tools clock
who Will win $10,000?
Join our participants as they reduce debt and increase savings with the help of Summit financial coaches.
TOTAL SAVINGS INCREASE: $16,789 | TOTAL DEBT REDUCTION: $17,882

let the selling begin!
Sarah
Holiday shopping ads are flooding my social newsfeed. Christmas music is on the radio, decorations are popping up everywhere and I love all the pretty lights. It's hard to ignore the giving spirit of the season and the impulse to spend money on the ones you love. According to the National Retail Association, the average American is expected to pay a total of $1,052 on gifts and other holiday-related items, such as decorations and food. 
Read More 
giving thanks
Sarah
Because it's Thanksgiving week, I wanted to take some time to reflect and give thanks for everything I've received.

This past week, I struggled with shopping. I'm not surprised as we're smack in the middle of a season that's designed to encourage shopping, which makes resisting the urge especially difficult. And that's okay. If I was weak in a moment, that doesn't mean my whole journey has ended. I simply keep going, put one foot in front of the other and return the items I bought. 
Read More 
Gift Cards and My Food Budget
Sarah
Who doesn’t like gift cards? I recently received one from my employer for my work anniversary. It was a nice treat and wasn’t something I planned on receiving. I plan on using the money for holiday gift spending.
Read More 
Spring Fever in November
Sarah
I have Spring Fever – which makes it hard to not spend money! This weekend felt like my last chance to get outdoors and enjoy some social distancing before winter comes. This was supposed to be my no-spend November and the first week of the month, I didn’t do well. I admit it, I went out with friends all weekend and had coffee, brunch and dinner with appetizers and wine. We enjoyed supporting our local businesses and it was a fun splurge – but going out is expensive!
Read More 
goal progress update
Sarah
Hello everyone! This past week has been a bit slow, so I thought I’d give an update on how I’m doing to meet my goals by giving a letter grade to different categories.

 

Not eating out/ordering take-out

Score: C

Food, and spending money on food, has been one of the hardest challenges for me to overcome. I’ve become much better about spending money on ordering out. However, this continues to be where I spend most of my money especially when a birthday or visiting friends is involved and it’s easy to fall into old patterns of ordering take out.
Read More 
mobile friendly
Sarah
I decided to revisit my mobile phone bill. The amount I pay each month, purportedly for data, is seriously silly! I started by seeing what services I need and reviewing the amount of data, talk, and text I consume each month. I only use 1% of the data available to me, making 99% of what I'm paying each month obsolete. Not really an acceptable deal in my mind.

Shopping around was a bit of a hassle but in the end totally worth it! 
Read More