This blog post was published by Chris O’Shea from SavvyMoney. Practical tips that help you manage debt. Getting out of debt can feel overwhelming—but it doesn’t have to be stressful or all-consuming. With a clear plan and a few intentional changes, you can make steady progress without adding more stress to your life. Here are some steps to take. Start with Awareness Before you can fix the problem, you need to understand it. The first step to getting rid of debt is to
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For many business owners, financing becomes a priority only when an opportunity or need is right in front of them. Maybe new equipment is needed for a particular job, or a dealer is offering attractive pricing to move inventory. Or perhaps cash flow becomes tight because a receivable you expected to collect remains on the books and has not yet been converted to cash. This reinforces a common theme advocated by many community bankers: talk to us before you need the money. By planning ahead, your
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The U.S. Department of Treasury originally published this article on December 23, 2025. The following recommendations are non-binding guidance. All must comply with otherwise applicable restrictions. Frequently Asked Questions: Businesses Why is penny production being suspended? Over the past 10 years, the total production cost of the penny has risen from 1.3 cents to 3.69 cents per penny. These production costs include materials, facilities, and overhead. The U.S. Mint projects an immediate
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