Money Matters
Your Credit Union Newsletter
Whether you are buying clothes, groceries, or products just for fun, shopping is something you do all the time. You may shop online or visit stores in person, but in the end, you will exchange your money for the items you want and need.
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If it fits your current situation, leasing a vehicle can make a lot of sense. For example, leasing can mean a much lower monthly cost than purchasing a car, and the manufacturer’s warranty may cover you for the entire duration of your lease.
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When you think about it, planning is one of the best parts of taking an exciting vacation. Putting your dazzling itinerary together and daydreaming about all the amazing things you’ll see can really get the juices flowing. However, if you haven’t planned for the financial impact of your trip, money concerns in the months after your excursion can tarnish your happy memories.
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dentity theft is the crime of obtaining another person’s personal or financial information with the intention of assuming that person’s identity to make purchases or borrow money. If you become a victim of identity theft, you may feel upset and overwhelmed knowing someone has access to your private information. However, remember that recovering from identity theft is possible.
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There are obvious reasons, both from a financial standpoint and for aesthetics. For example, the homebuyer won’t be living in a house previously occupied by strangers and may have all the latest energy- and cost-saving features.
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s or become independent young adults. But a better way to help your children understand earning, saving, and investing is to teach them such skills while they are young. This will make finance more intuitive for them – rather like giving your child a tablet when very young so they become “digitally native.”
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Emotional spending is an effort to relieve stress by spending money on something you don’t need—and it’s common. According to a survey by NerdWallet.com, almost half of all Americans spend more than they can afford for emotional reasons.
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In the modern world, almost everyone holds a credit card. Reportedly, almost 8 in 10 American’s have at least one credit card and there were 365 million open credit card accounts in the U.S. as of end of year 2020 according to the American Bankers Association.
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Ever want to hide from your creditors and hope your financial problems just disappear? If so, don’t do it! Unpaid, unsecured debts such as credit card balances, medical bills, and personal loans will not only cause great credit report damage, but you could also face legal trouble.
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These days, as you might imagine, the Credit Union spends a lot of time trying to help our member-family address the immediate effects of inflation. Today I’d like to focus on this, and also touch on how we keep our eye on the longer-term: how we help members plan for a financially independent “happily ever after.” Also, a bit of news on a big initiative we’re working on for you.
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