Money Matters
Your Credit Union Newsletter
You may not realize it, but by paying down your debt, you ARE saving! Actively reducing debt means you’re saving on interest, avoiding late fees, and maintaining or increasing your credit score.
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One of the most frequently cited reasons people give for not saving is they cannot afford it. There may be ways to adjust priorities to find small ways to save. One way to force yourself to save is by automating your savings. It can give you the incentive you need to get started, and the process can be simple and painless. Here are four simple ideas to get you started.
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Congrats. You’ve set a budget and it looks perfect on paper. You established different spending categories and what seems like reasonable limits. Yet somehow it’s not working out month after month.
Sound familiar? It’s a common struggle. But the good news is that there is a solution.
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Unless you track your overall spending with every little purchase, debt can ambush you. Fortunately, you can prevent it from piling up; you just need to be aware of the ways in which you spend money.
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Student loans payments can rival those of a mortgage, and most graduates aren’t bringing in six figures a year at their first job either. However, there is no need to change your name and hope the authorities don’t catch up with you. It is completely possible to repay your student loans and avoid default, even if you are facing economic hardship.
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Do you know where your money is hoing? Unless you’re checking your bank account after every purchase or every day (which is probably not the case for most of us), you may not realize how much you are spending. We can help.
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If you want to equip your kids with the tools to become financially secure and independent adults, a good place to start is with a savings and/or checking account. Once they see money going in and coming out, it can drive home a lesson about money management.
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Most of us agree that the health and wellness of our family is our highest priority. Next on most people’s minds is usually their finances. Here are a few financial rules to try and live by – or at least consider – that will help keep you and your family financially healthy.
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If you’re in a financial jam, payday loans may look like an attractive choice. They’re relatively easy to get (i.e., you don’t need great credit) and quick access to cash. And the people in the ads and emails you receive look happy and content. But there are a few major downsides
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Despite plenty of vacancies, finding and retaining good staff can be a headache these days. Unfortunately there’s no magic bullet, but here are some tried and tested insights. We’ve collated some of the best tips to give you some ideas.
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