Money Matters
Your Credit Union Newsletter
For young adults, an apartment of their own may be a necessity when a job takes them away from home. It is also one of the first major symbols of independence.
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When you’re at the cash register, it is almost inevitable that a real or virtual salesperson will make a pitch to sign you up for a store credit card. It is easy to be tempted by the one-time discount offered. But, before you get one, it is a good idea to consider the following factors.
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The five Cs of credit is a system used by lenders to gauge the creditworthiness of potential borrowers. The system weighs five characteristics of the borrower and conditions of the loan, attempting to estimate the chance of default and, consequently, the risk of a financial loss for the lender.
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If overwhelming debt is causing you stress, you’re not alone. Millions of Americans suffer from anxiety and depression because of difficulty with their financial obligations.
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Even though it’s July, it’s never too early to start budgeting for the holidays. In this article, we look at…Continue Reading
Turning eighteen is a significant milestone in many people’s lives. While teenagers may have felt grown-up long before the “Big One-Eight,” now they are legally recognized as adults. Adulthood may bring a mixed bag of feelings of freedom and trepidation.
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Most parents have already heard the bad news: a good education, especially college, has never been more expensive. Greater government financial support for higher education is a perennial hope, but not guaranteed. Even public K-12 can be a financial challenge – with a variety of additional expenses not always covered by the school, like materials for special projects, musical instruments, sports equipment and extra-curricular travel expenses to name a few.
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We know ―goal setting itself may not be exciting and fun, but it sure helps you to achieve your dreams and ambitions. From funding a vacation or home improvements, to securing a comfortable retirement or a child’s education, planning for goals is vital.
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The world of work has changed during the pandemic, and will probably remain so forever. Although some are returning to the office, the last year ushered in and accelerated new models of interaction that have changed the way we work for good.
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Now that the world is opening up again, your spending habits are probably changing. Gas expenses may have increased as…Continue Reading
