4 Ways to Stick to Your Budget

Money Management Spending/Saving

When you’re adjusting to keeping a budget, it can be tempting to give up. If you’re having trouble staying with your budget, here are a few things that could help… Keep it real Maybe you didn’t allot enough money in certain areas of your budget. If this is the case, try and find a happy medium that is more realistic so you can still cut back a little bit. Automate when you can Having trouble saving? We’ve all been there. If…
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How to Save Your First $1,000

Life Goals Money Management Spending/Saving

Sometimes that hardest thing about saving money is just starting. It can be challenging to find and stick to strategies that help you pursue your financial goals. Here are 4 tips to help you finally hit that goal. 1. Create a Budget If you have never created a detailed budget, now may be the time to start, otherwise it’s almost impossible to track your spending and find room to save. Having a budget, even a simple one, will help you…
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The 4 Biggest Credit Union Myths: Debunked

Money Management Spending/Saving

Credit unions are having a moment—and that moment keeps begging bigger and longer. Since the financial crisis of 2008, millions of Americans have switched from banks to credit unions. Now more than 116 million people in the U.S. use credit unions. Why? Because credit unions are a better deal. They offer better rates, fewer fees, and their superior service and people-first values empower you to get after your biggest dreams in life more quickly. But there are some persistent myths…
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10 Pieces of Wedding Advice from a Newly-Engaged Couple

Money Management Spending/Saving

Before my partner and I got engaged last month, we always swore we would do one of those Instagram-worthy elopements. But sure enough, a week into being engaged, we caved and decided to hold a small wedding. We were thinking 50 people tops. And then we got to documenting a guest list, and it turns out my family is pretty huge. Here are our top ten pieces of advice – and yes, we’ve already learned them one month in. 1….
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Squad Goal: Don’t Let Your Friends Blow Up Your Financials

Life Goals Money Management Spending/Saving

Take a close look at your circle of friends, and I bet you’ll find that the majority of them are pulling down an annual income pretty similar to yours. Thare are some obvious reasons for this. Many studies show that close groups of friends often have similar income levels. But we tend to reflect our friends, and this could be what’s keeping you back from that next income level. Now, don’t freak out. I’m certainly not advocating that you un-friend your current crew—nothing…
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Teach Kids How to Save, Spend, and Share

Money Management Spending/Saving

It’s possible that your kids received money for Christmas—for some, maybe a lot of it. If you’re struggling with how much to let your children “spend,” consider doing this: Set up three small boxes in your child’s bedroom or buy a small three-drawered container. Label one drawer or box for saving, one for spending, and one for sharing. As children receive money, set up a system so that a certain percentage automatically goes into each section. Then, for example, a…
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5 Money Lessons from Stranger Things

Spending/Saving

If you haven’t watched Netflix’s “Stranger Things,” be warned! There are many spoilers ahead.  The cult phenomenon has taken over the social lives of many avid binge watchers the past weekend, and will surely be captivating your newsfeed for the week to come. Heed a few valuble lessons from the show.  1. Don’t get in over your head. Eleven’s mom was duped into doing some very bad things for money, and it impacted her in the long run. What she…
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How Long Do You Need to Keep All This Financial Paperwork?

Money Management

With tax season right around the corner, you’ll likely find yourself wondering how long you should keep some of your paperwork. Well, here’s a handy primer. When you no longer need any of the documents listed below make sure to dispose of them properly by shredding to keep personal information confidential—contact your credit union to ask when their next shred event is scheduled. 2 months to a year Credit Card receipts/ statements and pay check stubs are information that should…
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How do merchant data breaches affect your identity?

Fraud

How do merchant data breaches affect your identity? Every year millions of Americans become victims of fraud due to merchant data breaches. And, with the recent Equifax breach, which affected 145.5 million people, chances are your information has been compromised. Although most consumers have probably only heard about a few breaches, more than 1,100 data security breaches have occurred thus far this year exposing more than 171 million data records, according to the Identity Theft Resource Center. Many credit unions…
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Goodbye Dorm: 10 Tips to Transition to Off-Campus Living

Money Management

When you go to college you’ll find freedom that you didn’t have before, such as living on your own. With that freedom, comes the need to balance studying, class, extracurricular activities, work, finances, housework, and more. Here’s how to make the transition to apartment living as smooth as possible: 1. Choose responsible roommates. Constant parties can make for a distracting and unhealthy living environment, along with the potential for property damage or expensive tickets. If you live with roommates, choose…
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