On behalf of the entire VIVA team, we would like to wish everyone happy and healthy holidays. However, we also know the holidays can be stressful—especially this year. Therefore, we hope to alleviate some financial stress by sharing a few responsible spending tips for the holiday season. Tip #1: Shop with a budget! We all… Read more

You work hard for your income and you deserve to know where your money is going. However, as many as 50% of Americans say they do not maintain a budget. A budget is a plan for tracking and prioritizing your spending over a specific period (usually one month at a time). Without a budget, you… Read more