Check Your Credit Score: Lenders use your credit score to determine your loan eligibility and interest rate. Aim for a score of 620 or higher, though higher scores get better rates. Pay Down Debt: Reduce your debt-to-income ratio to show ... READ MORE
Category: Home Management, Money Matters, Work & Life
An increasing number of Americans are reaching the limits on their credit cards. According to the Federal Reserve, credit card delinquency rates hit a nearly 12-year high. In the first quarter of 2024, nearly one-fifth of credit card borrowers ... READ MORE
Category: , Home Management, Money Matters, SFYL Hot Topic, UF/IFAS Extension, Work & Life
Better landscaping practices are good for Florida! Even though Florida has a lot of water resources, there are also a lot of people and industries sucking from the tap...and more keep coming. Long story short, Floridians need to conserve ... READ MORE
Category: Agriculture, Coasts & Marine, Conservation, Disaster Preparation, Florida-Friendly Landscaping, Home Landscapes, Home Management, Horticulture, Lawn, Money Matters, Natural Resources, Pests & Disease, Pests & Disease, Turf, UF/IFAS, UF/IFAS Extension, Water, Wildlife, Work & Life![fresh produce spills out from a reusable shopping bag laid on a tabletop. [credit: unsplash.com, ratul ghosh]](https://blogs.ifas.ufl.edu/sarasotaco/wp-content/blogs.dir/40/files/2024/07/2024_Ag_produceAssortedCarrybag_unsplashRatulGhoshCROP1650x470TINY.png)
Consumers spend billions of dollars at the grocery store annually on heavily marketed products that promise exciting health benefits. Of course, we want to eat healthy, protect the environment, and buy food that is safe for our children. We ... READ MORE
Category: Agriculture, Health & Nutrition, Money Matters4-H Workforce Preparation is a clear indication that sometimes, we don’t acknowledge the work that goes into the food at our table, and this program gives a hands-on opportunity for the participants to have this insight. Tessa ... READ MORE
Category: 4-H & Youth, Agriculture, , Money Matters, UF/IFAS Extension, Work & Life
The federal law, Fair and Accurate Credit Transactions Act (FACTA) of 2003 requires the 3 national credit reporting agencies – Equifax, TransUnion, and Experian – to annually provide 1 free credit report from each agency to consumers who ... READ MORE
Category: , Money Matters, Work & Life
First Time Homebuyer Workshop Sessions 1 & 2 July 19, 2024 & July 26, 2024 9:00 AM – 1:00 PM These sessions take participants through the steps to home ownership, working with a realtor, understanding credit, qualifying ... READ MORE
Category: Home Management, Money Matters, UF/IFAS Extension
A project vs a program. Relating to a famous Food Show such as Chopped on Television, 4-H has its version of a cook-off contest called 4-H Food Challenge. This may be a 4-H project vs a program of interest. Anyone with interest in Foods ... READ MORE
Category: 4-H & Youth, Agriculture, , Money Matters, UF/IFAS ExtensionAutomate Savings: Set up an automatic transfer to a dedicated home fund each month. Even small amounts add up over time. Cut Unnecessary Expenses: Review your budget for subscriptions or discretionary spending you can eliminate to boost ... READ MORE
Category: Home Management, Money Matters, , Work & Life
Let's talk about the essential elements you need to build a rock-solid financial future. Think of it like building your dream house – you need to start with a solid foundation. Below are four key building blocks to consider. Make More than ... READ MORE
Category: Money Matters, Work & Life