Credit cards can be scary, but they can also be a great tool to help build credit. Here is a tip for using credit cards responsibly: Choose one household bill that is about the same amount every month, such as a cell phone bill. Set up your credit card to automatically pay that one bill, and then have your bank account automatically pay your credit card. That way you are using a small amount of credit every month and always paying it off, and there are no surprises! Then you can leave the card at home so you aren't tempted to use it for impulse purchases.

Interested in learning more about how to build credit? Attend a credit builder loan orientation!

Innovative Changes knows that shopping around the holidays can be hard on your budget. Below are some great tips for gift giving!

• Track your spending now & be prepared for next year!
• Save receipts
• Avoid over spending on credit
• Start putting money away now for 2015

Welcome to winter, the time of year when heating bills seem to skyrocket, the holidays take over, and everyone bundles up until March.Here are some tips to stay busy during the winter months and lower your winter costs.