If Homeownership was the American Dream for my parents generation, then student loan debt is the American Nightmare for mine. Nationwide student loan debt has swelled to $1.3 trillion surpassing both credit card and auto debt. In Missouri 61% of graduates had an average of $27,480 in student debt.  

As a personal finance teacher, I try to help my students steer clear of the financial challenges that delayed financial freedom and homeownership for me in my twenties. In this post, I’ll unpack some tips to help families navigate college with minimum to no debt.

1. Start Saving Early

If you’re reading this article and your kids are still in diapers, start saving now! The earlier you start saving (investing), the more time you have to take advantage of the wonders of compound interest.

College savings plans like Missouri MOST are a great place to start, and they offer benefits you can take advantage of now including deferred income tax on earnings, tax-free withdrawals, and state income ta...

April 9, 2018

When selling your home, first impressions are very important.  Many home buyers will drive by a property they looked at online to take a look.  What will they see?  The only thing they can see without scheduling a viewing is the exterior of the home - including the entryway, driveway, sidewalk and yard.  Potential buyers will either like what they see on the outside and come back to take a closer look or they will look at the exterior and just keep driving, probably on to the next property. If you are selling your home you'll want to pay close attention to "curb appeal" so that potential buyers will be intrigued and want to take a look inside. 

Curb appeal isn't just for home sellers.  The entry to your home can set a welcoming and inviting mood for guests that are visiting your home. And when you and your neighbors all work on the curb appeal of your homes, it can make your neighborhood a very desirable location for buyers, potentially increasing your home valu...

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13208 Manchester Rd.

St. Louis, MO 63131

Krista Hartmann
Home Team


314-571-7482 -Office

MO License # 2014038071

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