Cash is so overrated. Why fumble through wads of crumpled bills and piles of change when you can easily pay back the $6.75 you borrowed from your friend simply by using your phone? Peer-to-peer (P2P) payment systems are changing the way we handle our money and our social finances forever. Eating out and splitting the tab… Continue reading All You Need To Know About P2P Payment Systems
March 1, 2019
Use a list Lists aren’t just for groceries anymore. Whether you’re hitting the mall, doing a Target run or even shopping online, never shop without a detailed list. And stick to it! Use cash Cards are great because of the easy tracking they provide, but if you tend to overspend on plastic, leave your cards… Continue reading How To Beat Impulse Purchases
October 1, 2018
Not Knowing Your Housing Budget Figure out exactly how much you can afford to pay each month in shelter costs. Be sure to include: Mortgage payments (including interest – and PMI if applicable) Property tax Homeowner’s insurance Utilities Maintenance costs Homeowner association fees ‘ Your total monthly housing costs should not exceed 30% of your monthly take-home… Continue reading Mistakes First-Time Homebuyers Make
September 1, 2018
Cut your energy costs this summer by making your home smarter! Go LED If you haven’t already done so, switch to LED light bulbs only. Switching just five bulbs can save you $65 a year in energy costs. Plant Some Trees If your house has lots of west-facing windows, you’re getting loads of sunlight each… Continue reading 8 Steps To An Energy-Smart Home
June 1, 2018
Q: Help! I’ve been hit with a financial emergency and I don’t know how to pay for it! What are my options? A: Ideally, you’ll want to have an emergency fund in place for this very reason. If you don’t, or the money you have set aside isn’t enough, you have several options to consider. We’ve listed… Continue reading How Do I Fund An Emergency?
April 1, 2018
For many credit union members, a savings account is a formality. They know, in theory, that saving is important. Maybe they got a bonus at work and stuck $50 in a savings account. Other savings options that come with higher rates, such as IRAs or 401(k) accounts, took priority and that initial deposit was quickly forgotten.… Continue reading When A Savings Account Isn’t A Savings Account
May 1, 2016
