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4 Tips that Will Help Lower Your Childcare Costs

Written by adminJuly 25, 2018

If it’s one thing the majority of Americans struggle with on a regular basis, it’s childcare costs. In fact, 70% of families say childcare simply isn’t affordable for them, according to a survey from Care.com. There are several reasons for this.

If you’ve been reading our previous blogs, then you know debt is sky high! Americans can barely afford healthcare and savings, much less childcare or other expenditures. It’s even tougher when the economy takes a hit, jobs become scarce, and families end up making less overall.

The reality is, when that happens, the inability to afford childcare will force a parent to stay home with their kids rather than finding work to help contribute to the budget. When that happens, it can cause a lot of strain, as money problems are currently the #1 cause of divorce.

Thanks to these reasons, a lot of couples are waiting even longer to have kids, pushing it off indefinitely until it becomes more affordable for them. In this current economic climate, it’s unaffordable to pay the bills, take care of debt, and save money without BOTH working a full-time job.

To the couples already with kids or thinking about having kids and struggling to get by, they’ll need to figure out new ways to budget to accommodate childcare costs along with saving for other needed expenses. Here are 4 strategies you can try to do just that:

1) Budget for a Baby Beforehand

Before you have kids, life may seem simpler and budgeting isn’t much of a priority. In fact, 68% of families say they didn’t start budgeting until their first child. They didn’t realize or anticipate exactly how expensive things would be until the time came to start paying for their new bundle of joy.

You really need to sit down and determine what you can afford before you even start thinking about a baby, not after. Add up all your bills and see what you have left over for the month. If you’re not sure you make enough, you’ll have to see what you can consider cutting back on for the sake of the child.

2) Look at the Different Options You Have and Compare

Whether you’re looking to have a child, or already have one and are budgeting for the first time, you should have a good idea of what you can spend. Compare that to the type of care you need by doing research on your options.

Do you just need a sitter for after school? A daycare center during the day? Can you afford to hire a nanny? Each option has differing costs. Either way, expect to pay anywhere from $200/week to $600/week for childcare service.

3) Don’t Forget to Incorporate Tax Breaks

The government wants to help families be able to afford childcare, so they offer tax breaks that can add up to over $3,000 per year. There are also flexible spending accounts where they can save up to $5,000 to pay for whatever childcare option they choose. All you have to do to receive this tax break is to fill out an application when doing the rest of your taxes.

4) Ask Your Employer What They Offer

A lot of employers offer a variety of childcare services to help their employees, from offering their own daycare service, to helping their workers pay for their own. You may even have the ability to take advantage of flexible work arrangements that allow you to work from home as needed.

Childcare is a major obstacle for any working parent, but as long as you do your best to budget and find a service within your budget, it’s very doable. This is especially true if you’re able to tap into government and/or employer assistance.

Written by adminJuly 24, 2018

Life Style

It’s that time again. While most parents are secretly (or not so secretly) cheering the end of summer and return of the school season, they also hate it.

According to a survey from eBates, 75% of U.S. parents hate back-to-school shopping season, and just as many teens believe the same. It’s not just the end of summer, though, that causes frustration. It’s the tension between parents and teens that make shopping unbearable.

Teens say their parents tend to wait until the very last minute to get any school shopping done and wish they’d start taking it more seriously. But parents, on the other hand, don’t like that their kids only want name brand clothes and items, which is stuff they usually can’t afford. This is especially true for families with multiple kids going back at the same time.

There’s a lot of peer pressure on teens to only get the latest, greatest fashions, leaving parents to figure out how to appease them while not destroying their budget. It’s not as if parents don’t want to buy their kids the best stuff…they just can’t afford it.

It’s quite easy for parents to give in, as emotions are often put before practical uses of money. Every holiday season, millions of people go into debt to appease family and friends. And more often than not, parents give in and buy their teens the greatest, most expensive clothes and supplies to the detriment of their budget.

Some of what they buy isn’t even practical, but because their kids demanded it, it found its way into the cart. In fact, parents spent over $70 billion last year for back-to-school.

Since it’s mostly teenagers who demand the more expensive items on their list, it leaves us wondering if parents are missing out on a grand opportunity to teach kids about budgeting and the value of money.

In short: if they want the latest and great stuff, why not have them buy it themselves? If you give your children an allowance, tell them you’re only going to spend “X” amount of money for clothes and supplies, so if they want more than that, they need to save and chip in.

Or, if they’re older, a few summer jobs can be used for more than just extra spending money. You can teach your kids how to save some of what they earn to take care of their own needs. Once they realize how expensive their choice of style is, it might bring down some of the tension this time of year.

Of course, it might not, but at least they’ll learn about money, and that’s more important. They’re soon realize that if they want the best of the best, they’ll have to pay for it and it will motivate them to do so.

Another idea is to itemize each ‘category’ and shop online beforehand. They’ll need new clothes, gadgets, school supplies, shoes, and other stuff, so write it all down. Maybe sit down with your teen and plan out everything you want to buy, with the cost, within the budget you set.

And whatever happens, don’t give in. Keeping your budget intact is more important than adding to your debt just to ensure your kid is fashionable going into the new school year.

Written by adminJuly 23, 2018

Credit & Debt

When the economy starts to surge, Americans begin having confidence in their spending habits. But rather than paying cash for these things, we’re turning to our credit cards more than ever.

43% of Americans have been carrying around a card balance for longer than two years. The average credit card debt per household has spike to over $16,000 and pays over $1,200 in interest each year!

Collectively, that totals to $104 billion in interest payments per year. That’s a lot of money! The bad news is, it’s up 35% from 2013. That says that most people didn’t learn their lesson from the Great Recession and continued to pile on more debt than ever.

As the economy continues to rebound, it means interest rates are only going to spike higher. My March of 2019, they rates are expected to climb by 10%, so those already high interest payments will exceed $110 billion. These rates are soaring faster than mortgage rates, and yet, it doesn’t seem to bother Americans.

In the first quarter of this year alone, household debt rose $63 billion to a new record of $13.21 trillion. This is getting to epidemic proportions and could lead to a new recession in the near future. Economists are startled, to say the least.

With personal debts slated to get much more expensive in the coming years, you have several options now to help settle your debts and pay a lower interest rate. It will require you to be proactive and to stop accumulating more debt.

One of your options involves consolidating and refinancing your debts with Financial Helpers. All it takes is a single phone call to see what your options are and we’ll help create a plan that works FOR YOU. If you can refinance your debts, it will lower your overall interest payments, saving you thousands of dollars. Give us a call at the number below:

Call Now 1-844-332-2079

Other options include cutting back on your spending so you can afford the higher interest. Yes, the economy might be soaring, and you might be on tract financially, but you have to ask yourself where you’ll be if you lose your job or if the economy hits the toilet.

You can choose to tackle the debt with the highest interest rates first, but it’s not going to help you if you keep borrowing money for things.

Overall, you’re going to have to take your budget seriously. We’ve revealed how a lot of Americans simply aren’t as financially literate as they should be regarding how they make and spend money. Because of that, they often find themselves in trouble, fail to save for emergencies, and often have to work well past retirement age because they couldn’t save.

Don’t put yourself in that position. Give Financial Helpers a call and we’ll help you get out from underneath this heavy burden once and for all.

Written by adminJuly 23, 2018

Saving

If you’ve ever stepped into a dollar store in the past, you might not have been too impressed. In fact, you might not think much of them now and believe they are full of off-brand items, bad lighting, and disgusting food.

A kid might light up, but they didn’t know any better. A toy is still a toy, and if you couldn’t afford the brand-new Transformers or Barbie, then maybe you’d don your disguise and head inside.

But over the last decade or so, dollar stores have upped their game. They’re no longer the pit they once were and can really save you a lot of money, especially if you’re throwing a party and need a bunch of decent decorations for cheap.

You could easily stop by Party City and pay $10 apiece for decorations and spend $50-$60 total. Or, you could go to the dollar store for the same quality items for $1 each. You could buy supplies for the whole party and spend less than $20. And it’s not just party supplies!

Birthday cards, plastic containers, dish soap, craft items, toys, coloring books, paper plates, snacks, and many, many other useful items…and they’re all for a $1 each. Still, you might not find too many name brands, but if you’re trying to live cheap to save money or pay off debts, the dollar store is a godsend.

It gives you the option of still being able to afford having that party without spending half your paycheck doing it. Even if you don’t have a party to decorate for, stopping at the dollar store before shopping can save you a lot on non-grocery items you buy regularly, like toilet paper.

You might just be surprised on what you find there. They thrive on getting you in the door and making a profit on customers being thoroughly surprised and buying more than they intended because it’s only a buck. This may be the only time you won’t feel guilty doing so.

Dollar stores often buy extra overstocked or out-of-season items. It’s like going to Target after Christmas and seeing their decorations at a fraction of the cost. The same idea applies here.

Tips for Saving Big

Even if you find something at the dollar store you buy regularly, it doesn’t mean it’s cheaper. Sometimes, they’ll get you with the brand name and you’ll think you’re saving money, but it’s a smaller size, so you’re actually losing money.

That means you need to do a bit of comparison shopping. Most of the big stores have websites where you can look up prices. If it’s more than $1 for the same amount of product, then you will save money.

Another tip is to know where you’re shopping. Some of the bigger stores might have the word ‘dollar’ in them, like Dollar General, but that doesn’t mean it’s your average $1 store where everything is priced at a buck.

Being a knowledgeable shopper means knowing where and how to save the most money. If you’re watching your budget and need to save a bit a cash, there’s no shame in visiting the dollar store. Your wallet will thank you in the long run.

Written by adminJuly 20, 2018

Saving

It’s a wonderful thing that people are living longer these days thanks to modern medicine. More people are living past their 80s than ever before. While physical health is improving, it’s taking a toll on our financial well-being.

Fewer companies are helping their workers save for retirement, and because we’re living longer than expected, it’s leaving us to wonder how we will be able to fund the entirety of our retirement.

In a lot of cases, we won’t be able to. It’s as simple as that. And it’s devastating to those who are ready to enter that golden age of their lives, but have to keep working because they simply can’t afford to retire.

It’s not just having the money, either. The typical American workforce is changing, thanks to economic disasters that have pulled people out of the factories and on the computer.

Right now, 33% of our workers are freelancers, a number that is growing significantly with each passing year. 16% of these freelancers plan to keep working past retirement age because they simply won’t be able to afford life otherwise.

80% say debt is the number one reason why they’re not saving.

John Stein, CEO of Betterment, believes Americans need to find a new retirement strategy.
“The emergence of the gig economy has changed the American workforce. And the way we save for retirement needs to change with it,” he said.

Of course, this isn’t just for U.S. freelancers, but for workers around the world. Nearly half of all workers and retirees alike believe that the next generation of workers will have it much worse than they do.

Work-sponsored benefits are disappearing. Social Security is dwindling. And extreme levels of the debt, the highest we’ve ever seen, make it impossible for workers to afford their own retirement. It’s a perfect storm of frustration and fear for future workers who don’t want to work until they die.

Catherine Collinson, the CEO at Transamerica, is watching all of this unfold. She says:

“People are living longer than any time in history and birthrates are declining. Employers have been replacing traditional defined benefit pension plans with employee-funded defined contribution retirement plans. Today, individuals are expected to take on increasing risk and responsibility in self-funding a greater portion of their retirement income.”

35% of Americans are considering investing in the stock market, but nearly half worry about an incoming recession and market volatility. Really, all options are seemingly falling apart.

The average amount needed to safely retire on is between $1 million and $1.5 million, which is usually earned over the lifetime of a career. But now, there are plenty of 30 and 40-year-olds who haven’t even been able to save a penny and are racked with so much debt it’s hard to breathe.

In fact, 1-in-3 of U.S. citizens have nothing saved. According to a CNN survey, 56% of us have less than $10,000 saved. Only 13% have more than $300,000. This is showing a huge discrepancy between need and ability to save. It’s particularly difficult for women, as they are less prepared than men and live longer on average.

The best way to conquer this is to save money as if you’re retiring tomorrow. Because of the debt situation, retirement isn’t as much of a priority to Americans and it shouldn’t be that way, especially as you get older. Do whatever you have to do, even if that means you put in extra hours doing freelance to get there.

Written by adminJuly 20, 2018

Life Style

Gone are the days when advertising was simple and non-invasive. The most an advertiser knew about their audience was the time of day they were expected to watch TV or what newspaper they frequented. If they knew you drove a specific road, you’d find a billboard or twenty lined up on your daily route to work.

Now, the process is much more complicated, but highly targeted for efficiency. Advertisers have a wealth of information at their fingertips and have a delivery system called the internet that allows them to put their ad in front of the right person.

If you’ve ever felt like you’re being watched, you pretty much are. Not physically, but every step you take is monitored, recorded, and sold to be used by the highest bidder. In fact, companies pay billions each year for our information.

Yes, most of us probably realize this already, as we’ve been aware of our usage dropping cookies since the early 2000’s. What most people don’t know is the massive ecosystem of data that’s out there, and there are companies who make a lot of dough buying and selling data at a premium. They’re known as data brokers.

It all starts with a script, or what’s more commonly known as a pixel.

As you access a website, you’ll see the images and content loading, but there’s a lot more going on behind the scenes. A website is built using first-party scripts, which is where the typical content is assembled.

Most sites also have what are called third-party scripts that are provided by someone other than the website owner. There are different types of third-party content on a site, such as an ad that pops up, social media widgets, fonts, and tracking pixels used by Google Analytics.

Using these third-party scripts, the companies running them collect the data and sell it to brokers who process the information they receive and place it into segments. Here’s a snapshot at some of the different segments that are created:

-Relationship status

-Interests

-Ethnicity

-Age group

-Gender

-Connected devices

-Home Value

-Annual income

This data then provides advertisers to pull different aspects of these segments they want to use and target directly the specific audience they want to reach.

Websites like Facebook will follow you around the internet and collect information on everything you do. There are hundreds of ways they can target you.

Ever wondered how you can look at that new 4K TV on Amazon, then you go to your Facebook page and you see it advertised everywhere? If you download a song, they know. If you’re buying tickets for that vacation to Aruba, they know about it.

If a seller wants to create a Facebook page to sell Dave Grohl shirts, they can target every single person who liked the Foo Fighters page.

With all this personal data, there’s a lot of responsibility that goes with it. That’s why Mark Zuckerberg appeared before Congress recently to discuss how they use this data, and the EU felt compelled to enact strict laws to better protect its citizens.

In this digital age, there’s not much recourse for people who feel their data is being abused. You agree to allow Facebook to use your data when you sign up and willingly put yourself out there when you fill out your profile.

This makes it so every person is responsible for their data based upon what they decide to share.

Written by adminJuly 19, 2018

Politics

If you were worried that the tax cuts implemented this year didn’t do enough to help middle class workers, worry no more.

Yesterday, President Donald Trump met with the Republican House Ways and Means Committee to start work on what he considers the second phase of his tax cut plan.

President Trump received a lot of flak from democrats over his first round of cuts that they say went solely to the rich. Even though 80% of the country saw some type of tax cut, it was intended to help spur business and improve economic growth. It’s done exactly as intended.

Over 430 U.S. companies announced one type of bonus, pay increase, or even 401(k) hikes that have impacted over 4 million Americans thanks to the first round of cuts.

This time around, Trump hopes to focus on the middle-class in what should be a packaged deal of multiple bills. One of those bills involves making all the tax cuts permanent, something the democrats also blasted Trump over.

“That’s very high on everybody’s list and I think you’ll get more bang for the buck on these tax cuts if you do make them permanent,” said Trump’s Economic Director Larry Kudlow

The hope is to boost the average American income by as much as $4,000 per year.

This second round of bills might also help businesses even further by slashing the corporate tax rate even further by dropping it another percentage point, down to 20%. The extra percentage, Trump says, is ‘great stimulus’ to keep the job growth roaring.

While most of us are cheering additional tax cuts, the GOP hopes to do more than put money in American’s pockets. They also want to promote saving.

The report from Northwestern Mutual revealed that 21% of Americans haven’t saved a dime for their retirement and two-thirds simply don’t have enough saved and are expected to run out in the near future.

Republican Kevin Brady of Texas, the House Ways and Means Committee Chair, believes it’s important for the government to help its people be better prepared for their retirement, and it’s an issue that will hopefully be addressed in September with the rest of the tax cuts.

“We are looking at ways where it’s easier for families to save earlier in life and more over time, whether it’s for health care or for retirement,” Brady said. “We think America is not a nation of savers; we want it to be.”

The idea is to potentially create some type of universal savings account designed to grow over time and be tax-free, as well as simplifying the process of withdrawing the money and even making HSAs easier to use.

Pensions are another consideration.

“We want to make sure they’re adequate and they’re secure for the long term. Workers count on that. Businesses count on that to recruit good workers as well,” Brady added in an interview.

There’s still a long way to go between now and actually having the bill passed that is sure too impact the midterm elections. We’ll keep you up to date as this story develops.

Written by adminJuly 18, 2018

Credit & Debt

If you feel you’re at the end of your rope financially, you might think the only option you have is to declare bankruptcy.

It’s a scary option for many Americans. Dave Ramsey, the finance expert most of us have heard on the radio, says bankruptcy is on the list of some of the worst life-altering events we can face, right up there with divorce, the loss of a loved one, and getting sick.

Every year, close to a million Americas file for bankruptcy for a variety of reasons, like debt that got out of control or an unforeseen event that the individual wasn’t prepared for. Medical bills, for example, are often one of the major problems Americans face that often lead to bankruptcy.

Here’s the thing about bankruptcy: it’s not the end of the world. Life will be tough for a while, as your credit will have a huge black mark on it, but there’s no reason to fear it. There are strategies you can try to prevent bankruptcy from happening and ease the burden you currently feel.

Let’s look at five things you can try:

1) Debt Settlement/Consolidation Negotiation

Here’s one of the best things you can do to get rid of your debt. Your debtors and collectors want their money. They’re often willing to negotiate with you if it means they get paid back what is owed.

If you have more than one debt, you can consolidate those debts into one payment with lower interest. You can enter a debt settlement with your creditors that ultimately lowers what you owe and can reduce the repayment schedule to something more manageable.

Ultimately, these debts allow you to take charge of your debts and Financial Helpers is here to help you do just that. We love to help people get out of debt and have successfully negotiated with debtors to consolidate debt, lower payments, and even reduce the overall amount due.

To find out what your options are and to see how we can help, please give us a call at the number below.

Call Now 1-844-332-2079

2) Sell Property

This is a difficult step, but it can help you prevent bankruptcy. Bankruptcy doesn’t just clear away your debts as some people believe. All your property and belongings go up for review. The trustee in charge will decide what they want to liquidate to settle your claim.

Either way, it’s time to cut back on assets. If you can avoid bankruptcy by parting with stuff, do it. It’s time to make better financial decisions. Get rid of that second car. Sell the valuable antiques. An appraiser can help you figure out the value of your belongings. With bankruptcy, you’ll have much less control over what they decide to take to settle the debt.

3) Don’t Be Afraid to Ask for Help

Sometimes in life, we have to swallow our pride and ask for help. A sibling, parent, and close friends will want to help you get out from underneath this burden. There are other options as well, such as starting a GoFundMe and sharing it on social media. This is no time to let fear get in the way of something that can help you get closer to financial freedom.

Just be honest. People who love you will want to help. Most of us go though difficult struggles and loved ones are always there to help each other endure them.

4) Restructure Your Mortgage

One of your biggest expenditures is your mortgage. By restructuring it, you can save a lot of money you can then apply to the rest of your debt. It also makes your monthly payments cheaper, so if you’re at risk for having your home foreclosed upon, this might be a great way to prevent that from happening.

You can also choose to refinance your mortgage, which means lower payments, but extended out longer. This will save you a bit of money on the front end. Once you pay your debts down, you can start making higher payments on the mortgage later to get back to where you were.

5) Make Sacrifices

This is the toughest option of all, but you’re going to have to do it if you want to survive without going it bankruptcy. Take a good look at your budget and see what you can get rid of. Again, do you need that second car? Can you carpool or take public transportation? Can you get rides from a coworker for a while?

Instead of eating out a lot, save money by cooking your own meals. Lower your cable package or cut cable altogether. Consider not spending money on a family vacation and instead, apply it towards your debt. If you can save money, do it! It’s a short-term sacrifice for big time results.

Written by adminJuly 17, 2018

Life Style

Stories about cyber-attacks and identity theft are frighteningly common here in the United States. Last year alone, 143 million people were victims to one type of cyber-attack or another, and nearly half of us are afraid we’ll be financially impacted by identity theft in the future.

The worst part about it is, most people don’t realize they’ve been hit until it’s too late.

-38% of victims didn’t know they were defrauded until they tried to apply for a credit card.

-37% were told they were compromised by a service or agency.

-20% didn’t know they were hacked until they saw a credit report.

-4% were alerted by police or other law enforcement agencies.

Greg Anton, Chairman of the AICPA’s Financial Literacy Commission, says Americans have to be more vigilant and proactive about protecting their information.

“Protecting your information is an ongoing process that requires you to be vigilant, identify where you can improve and take action to firm up your safeguards. This means regularly monitoring your credit card and bank statement and periodically checking your credit report for anything that looks out of the ordinary.”

Still, it’s not always a consumer’s fault. Just shopping at a store can put you at risk.

A few months ago, hackers were able to steal data from Lord & Taylor and Saks Fifth Avenue, impacting nearly 5 million customers. This is only one of the many high-profile cases of data breaches to occur.

Other stores and restaurants that have had breaches so far in 2018 include:

-Macy’s

-Adidas

-Sears

-Kmart

-Delta

-Best Buy

-Under Armor

-Panera Bread

-Chilis

-Forever 21

-Sonic

-Whole Foods

-Gamestop

-Arby’s

This is a long list of businesses Americans frequent, but the stats are worse than you can imagine. According to the cybersecurity company Agari, 44% of all businesses were victim identity theft that involved a hostile takeover of an account.

A takeover of an account means someone steals personal data and are then able to gain access to the victim’s credit cards and bank accounts.

According to a survey from IBM, only 20% of Americans trust companies to keep their data safe and secure. 73% believe these companies care more about profits than protecting customers and should do more to prevent crime. While the trust factor isn’t fully in place, it doesn’t seem to stop consumers from shopping or eating at these establishments.

If you’re concerned about hacking and identity theft, there are several ways you can better protect yourself.

1) Keep a good eye on your credit report and accounts for fraud. Don’t be afraid to look over every detail and every dollar to make sure nothing looks suspicious.

2) Use checks and cash more often. It may be more convenient to swipe the card, but with the vast majority of businesses dealing with identity theft issues, it’s safer to hit the ATM and pay with cash.

3) Try to shop more local. The hackers mainly target the big money stores, like the national retail chains. Smaller businesses are less likely to be on the radar of identity thieves.

4) Cut down your online presence. If you do a lot of online shopping, you are more likely to get hacked.

5) Get protection. There are multiple ways to sign up for theft detection, either through your bank, on Credit Karma, or even LifeLock.

“While it’s positive that Americans are taking steps to mitigate the risk from cyber breaches, each time there is a new breach in the headlines there is the risk that the public becomes numb,” Anton says. “Identity theft may seem like it’s inevitable … it doesn’t have to be.”

Written by adminJuly 16, 2018

Life Style

If you’ve been to the grocery store lately, you might’ve already noticed that a dollar seems to be stretching a lot less further than a few months ago. In fact, the Consumer Price Index is up 2.9% since last month, it’s fastest growth since 2012.

So, what’s behind this sudden rapid growth of inflation? There are several answers for this. Overall, coming out of the recession, supply and demand is changing the way we consume things. Once stagnant sales are again in overdrive, propelled forward by recent tax cuts and an increase in employment.

Income has risen as well, but it’s not enough to overcome this new bout of inflation. It doesn’t matter if people have more of their own money if everything starts getting more expensive, essentially negating potential budget increases.

The main reason for the inflation hike is the price of oil. Since 2015, we’ve been enjoying a brief reprieve from high oil costs that threatened to break almost $4 per gallon. Oil prices that were once $30/barrel are now up to $70/barrel as OPEC can’t seem to make up its mind about drilling to keep up with demand.

When the price of gas goes up, so does everything else. Gas is used in nearly every industry, especially for shipping, so those costs are usually handed down to the consumer.

The demand for housing has skyrocketed as well. It’s not just places like Seattle and New York seeing growth in the markets, but also a lot of the smaller rural towns as well. When there’s higher demand, it can cause prices to inflate, forcing people to pay more each month.

Interest rates tend to shoot higher as well. The rates are lowered when the economy isn’t doing so well to help people get back on their feet, but when unemployment is down and wages are up, the government feels confident enough to hike the rates.

And then, there are the tariffs. It’s not just the tariffs on steel, that have made things like laundry equipment and vehicles 13% more expensive, but the retaliatory tariffs on U.S. agriculture that is sure to impact the price of food.

The price of eggs is up 14%. Gardening and lawn care is up 7.6%.

It’s looking to be an expensive summer across the country. We can only hope that gas prices get relieved, which will help cut some of this inflation going into the holiday seasons. A good indicator will be how well the Back-to-School shopping season does as it begins to kick off going into August.

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