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The Nest Blog

Why Adjustable-Rate Mortgages are Making a Comeback8/4/2022

The housing market always goes through its ups and downs. During the pandemic, homeowners and homebuyers alike were able to benefit from record-low interest rates. Now, as inflation continues to soar and the Federal Reserve raises rates to offset the climb, the market is cooling down.

The combination of higher home prices and rising interest rates are forcing many would-be homebuyers out of the market. While conventional fixed-rate mortgages reign king during periods of low rates, other home loan options shine in uncertain markets. One of these loans is an adjustable-rate mortgage or ARM.

With the ability to lock in lower introductory rates, ARMs are making a comeback. Is an adjustable-rate mortgage the right solution for you?

Couple hugging

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What to Buy and What to Skip in August7/28/2022

Independence Day sales are long gone and Labor Day is a month away, but you can still pick up great bargains in August. Here’s what to buy and what to skip this month. 

Sunflower

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Smart Money Moves for Members Under 307/21/2022

Life in your twenties can be exciting and full of new opportunities. There are many milestones young members might cross off their lists during this period: graduating college, beginning their careers, getting married, and even starting families.

While long-term financial goals might seem a lifetime away, the decisions you make today can significantly impact your future fiscal success. When it comes to building wealth, time is your best friend. The sooner you begin laying the foundation for the future, the better your position will be when you approach your next financial milestone.

Here are several wise money moves you can make in your twenties to prepare yourself for financial events yet to come.

Laptop showing a survey

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8 Ways to Spot a Survey Scam7/14/2022

Survey scams are almost as old as the internet. They’re so prevalent, you can hardly spend an hour online without running into an ad for a “super quick” survey promising a reward for just a few minutes of your time. 

What actually happens, though, is that the scammer walks away with a free survey, or worse, your information and/or your money. The alert consumer can spot a survey scam easily, but fraudsters are unfortunately becoming more sophisticated at luring innocent victims into their schemes. 

Don’t get caught! Here are eight ways to spot a survey scam:

Laptop showing a survey

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Should I Keep Cash at Home?7/11/2022

Keeping large amounts of cash in envelopes, kitchen drawers or stuffed under the mattress is not recommended during times of inflation – or at any other time. Here’s all your questions on handling cash during times of inflation, answered.

Cash

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Should I Buy an Electric Car?7/7/2022

Thousands of drivers are grappling with this question as gas prices peak. While an electric vehicle (EV) might be the right choice for many, there are lots of variables to consider before making this decision. Here’s what to know about electric cars before going this route:

Electric Car

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Should I Refinance my Motorcycle Loan through my Credit Union?6/30/2022

Refinancing a large loan, such as a motorcycle loan, into one that offers more affordable payback terms can make a huge difference in a monthly budget. Here are six reasons you may want to refinance your motorcycle loan through your credit union. 

Someone riding a motorcycle

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How to Build a Positive Company Culture6/23/2022

A company culture describes the beliefs and values a business upholds. It generally includes the company’s long-term goals and visions, its mission statement, as well as various details about its work environment and company policies. 

Establishing a positive company culture in your workplace can have several significant benefits:

People touching hands

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Don’t Get Caught in a Vacation Rental Scam6/16/2022

With prices rising on everything, including hotel stays, record numbers of vacationers are choosing to rent private homes or apartments on sites like Airbnb and Vacation Rentals by Owner (VRBO). Unfortunately, though, vacation rental scams are on the rise as well. Here’s all you need to know about these scams and how to avoid them.

Vacation Home

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4 Ways to Stay Financially Fit this Summer6/9/2022

Ahh…summer! The season of flip-flops and sunscreen, of lemonade and baseball games. What’s not to love about summer?

Unfortunately, though, summer is also the season of overspending for many. When the sun is blazing across a cloudless sky and the day stretches on with endless possibilities, purse strings are looser and cards are swiped with abandon. But nothing kills summer fun like a busted budget and a mountain of debt. So, how can you stay financially fit this summer?

Keeping your finances intact throughout the summer is well within reach if you’re ready to plan ahead and make responsible choices. Here are four hacks for a summer of financial fitness. 

piggy bank

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Should I Buy Out My Lease?6/2/2022

With cars in hot demand, and selling at all-time high prices, many lease customers are looking at trade-in values for their vehicles with the intention of buying out their lease. While this can be a smart choice for many consumers, it’s important to consider all relevant factors before making a decision. Here’s what you need to know about buying out your lease.

Graduate

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15 Ways to Reduce the Cost of College5/26/2022

Enrolling in college can often feel like a double-edged sword. It can be an excellent investment in your future and provide you with more opportunities throughout your professional career. On the other hand, the costs can be high – forcing you to rely on student loans to cover at least a portion of the expenses.

The trick is to limit how much you borrow. With loans, you have to consider the amount you need to repay, plus interest that is accruing at the same time. Since student loans typically have longer repayment periods, the interest can add up quickly – even with favorable rates.

To prevent yourself from becoming overloaded with student debt upon graduation, find ways to reduce the amount you need to borrow.

Graduate

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Maximize Your Summer to Boost Your College Budget5/19/2022

The cost of higher education continues to rise every year. Between tuition, living expenses, and transportation, the price tag of a college degree can leave many wondering how they’ll afford it.

While student loans are the most popular way to fund a college education, it’s important to remember that you’ll eventually have to repay what you borrow – plus interest. It’s better to have a plan to reduce any possible expenses while in college to limit the amount you do finance.

Scholarships and grants are great if you can qualify for them (- don't forget to check if you qualify for our current scholarship!). However, an easier way is to change how you spend your summers.

Young woman cleaning

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How to Find Scholarships for College5/12/2022

A college degree remains one of the best investments in your future self. It can open the door to new career opportunities and increase your earning potential significantly. However, the cost of higher education today leaves many wondering if it’s worth the investment.

While college expenses continue to rise, there are many ways to lower the financial burden. One of the most popular means to do this is through college scholarships.

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Don’t Get Caught in a Grandparent Scam5/5/2022

Scammers will capitalize on anything to pull off another ruse, even the special bond between a grandparent and grandchild. Grandparent scams are not new, but they have gotten a lot more sophisticated in recent years, so they can be difficult to spot. Here’s what you need to know about grandparent scams and how to avoid them. 

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Should You Pay Money for Good Grades?4/28/2022

Every parent wants the best for their child, and schooling plays a significant role in determining what opportunities await them later in life. While there are many techniques to help children excel in school, a commonly debated topic is whether you should pay your child for good grades.

On the one hand, incenting your child may encourage them to devote more time and energy toward their schoolwork. Yet, on the other hand, it could devalue learning as your child only focuses on the prize and not necessarily what they are being taught.

It’s a popular discussion among parents and professionals, but the decision ultimately comes down to you, the parent, and what you think will work best for your child. Before you decide, it’s important to understand how paying for grades works and the potential benefits and drawbacks. 

Woman with piggy bank

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How to Safely Donate to Ukraine & Other Causes4/21/2022

Due to the events unfolding in Ukraine, people worldwide are standing up to help in any way they can. Unfortunately, these types of emergencies, whether they involve worldwide or local relief funds, are prime opportunities for scammers. The crisis in Ukraine is not an exception – criminals are already taking advantage of the situation by pretending to raise money for those in need.

While supporting any charitable cause is admirable, you must take extra precautions when providing monetary donations.

Laptop screen

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How Recent Graduates Can Build Credit4/14/2022

Making the transition from high school to college means you're in store for some significant changes in your life. Among those changes is the need to establish credit and build a solid credit score.

Your credit score is one of the most important things for you to nurture as an adult. It will affect almost every purchase you make on credit, your auto insurance rates, and your ability to rent an apartment. It may even impact your ability to get employment in desirable industries.

Unfortunately, it isn’t easy to build credit if you don’t already have a credit history. Lenders are reluctant to extend credit without it. So, how do you build credit if you don’t already have credit? As your credit union, we want to help our members do just that. Here are a few steps you can take to begin building a strong credit history and develop a great credit score.

Graduate

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Don’t Get Caught in a QR Code Scam4/7/2022

Scammers never take a break from dreaming up new ways to con people out of their money. Recently, they’ve even been hijacking QR codes to pull scams on innocent victims. Here’s all you need to know about QR code scams and how to avoid them. 

Qr code

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How does a Rising Interest Rate Environment Affect the Economy?3/31/2022

You might have heard that the Fed plans to raise the interest rate this year and now you wonder: How will this impact the economy and the current inflation rates? Let’s take a deeper look at what the current economic circumstances mean for the average consumer as well as steps you can take to protect your investments and manage your money in the most optimal manner. 

Wooden Cubes

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Last-Minute Tax Tips to Know Before You File3/29/2022

The big day is drawing near, and if you haven’t already done so, it’s time to file your tax return! Before you file, though, it’s a good idea to review your return to ensure you haven’t made any mistakes or forgotten any deductions or credits you’re eligible to claim. Below, we’ve compiled a list of last-minute tax tips to know before you file. 

Laptop Screen

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Dos & Don’ts of Getting Your First Credit Card3/24/2022

Opening your first credit card can be both an exciting and daunting experience. On the one hand, a credit card offers more financial freedom and flexibility. On the other hand, you likely heard horror stories of people falling into a debt cycle that’s hard to escape.

The truth is that you should start working to build your credit score as soon as you’re able. Even if you have no plans to purchase a car or rent an apartment anytime soon, building credit takes time. And while it may seem backward, one of the best times to build credit is when you’re a young adult with limited financial obligations.

Girl holding credit card and bags

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7 Habits of People with High Credit Scores3/17/2022

Upon reaching adulthood, one number that can dramatically impact your life, both financially and otherwise, is your credit score. A good score can help you receive the loans you need and ultimately pay less interest on those loans. But it can also help when applying to lease an apartment, and some employers even check your score before hiring.

While a good credit score is to be desired, it isn’t always easy to obtain. Life throws everyone curve balls that knock their financial plans and budgets off track. So how do you build and maintain the high credit score you desire? In this article are seven habits commonly found among those with high credit scores.

Score Boards

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6 Tips to Get a Good Deal on a New Car3/10/2022

For some people, buying a new car is exhilarating. After all, the thought of driving a brand-new vehicle with all the bells and whistles is exciting. On the other hand, many others may find the process intimidating and stressful.

Buying a new car can be challenging because it’s not something you often do. On the other hand, dealerships sell vehicles all day, every day, and know exactly how to work deals in their favor. For this reason, members often leave wondering if they got a good deal. 

Regardless of whether you’re buying your first car or third, everyone wants to feel like they got the best deal possible. Before heading to the dealership for your next vehicle, create a plan using the following tips to ensure you drive away happy.

Car and Sky full of stars

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7 Tips to Save for Your First Car3/3/2022

Buying your first car is an exciting experience! However, buying a car also means you’ll have additional expenses each month. If financing your vehicle, you’ll have to consider the down payment and ongoing monthly payments. Plus, you will need to budget for gas, insurance, and maintenance. While saving for your first car may take some time, you’ll be on the road to freedom in no time by utilizing these seven tips.

Girl on hood of a car

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How to Use Your Tax Refund to Build Credit2/24/2022

It’s no secret that having a great credit score is beneficial today. It makes being approved for loans easier and ensures you pay less interest on those financial obligations. But its benefits stretch beyond loans. For instance, some employers will check your credit score before hiring you. Landlords will often review your credit before you can move in. And some companies, such as utilities, may waive the required deposit if your score is high enough.

You should always be on the lookout for ways to improve your credit score. And while often overlooked, tax season is the perfect opportunity to give your score a boost. To understand how, first review the components of your credit score.

Target

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8 Ways to Combat Rising Inflation2/10/2022

Anyone buying a new car, or even a cup of coffee, will notice that prices are going up. From utilities and groceries to filling your car at the pump, inflation is definitely on the rise affecting everyone’s finances in one way or another. As a result, many households are feeling the strain on their budgets.

While inflation won’t disappear overnight, there are steps you can take to help ease the effects of these rising costs. With a bit of planning and reviewing your spending habits, you can create a strategy that will help keep your finances in check.

Woman with shopping bags

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Don’t Get Caught up in a Tax Return Scam!2/8/2022

It’s tax season, and while that may mean you’re drowning in forms and paperwork, for scammers it means millions of taxpayers they can potentially dupe out of refunds or scare into making irrational moves. Here’s what you need to know about tax return scams and how to avoid them. 

Money in a mouse trap

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How Can I Save on Super Bowl Sunday?2/3/2022

Super Bowl parties are always great fun to host, but they can cost a pretty penny. To help cut the costs, we’ve compiled some hosting hacks so you can pull off the party of a lifetime without breaking your budget. 

Football Player

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7 Reasons to File Your Taxes Early1/27/2022

Filing your taxes can be a bit of a headache each year. While many people may have good intentions of filing as soon as they get their W-2s, the reality is people often procrastinate. Then, before they know it, the deadline sneaks up and forces them to reorganize their schedule to make time to file, causing a great deal of unnecessary stress.

If that scenario sounds familiar to you, it’s time to consider filing your taxes early. Doing so will not only relieve your stress and anxiety levels, but there are many other benefits you’ll experience.

Tax Documents

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Great Resignation or New Opportunities?1/20/2022

As you turn on the TV or glance through the latest news stories, you can’t help but hear about the “Great Resignation.” With more and more people leaving their current jobs, businesses are struggling to find workers. Due to staffing shortages, some companies are even adjusting their hours or closing one or two days a week.

But what exactly is causing this mass resignation event? Many people believe it’s all about employee pay and benefits. Others argue it’s caused by the leniency of stimulus programs made available through COVID-19 government programs.

However, as the “Great Resignation” continues, a different cause is coming to light – new opportunities.

Every Day is a fresh Start

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8 Ways to Combat Rising Inflation1/13/2022

Anyone buying a new car, or even a cup of coffee, will notice that prices are going up. From utilities and groceries to filling your car at the pump, inflation is definitely on the rise affecting everyone’s finances in one way or another. As a result, many households are feeling the strain on their budgets.

While inflation won’t disappear overnight, there are steps you can take to help ease the effects of these rising costs. With a bit of planning and reviewing your spending habits, you can create a strategy that will help keep your finances in check.

Vacuum sucking up dollar bills

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How to Beat the Post-Holiday Blues – It Doesn’t Need to Cost a Thing!1/6/2022

Without the holiday festivities to distract us, the winter months can suddenly seem very gray and drab. If you find yourself feeling blue after the holiday season, you’re not alone. It’s normal to start feeling down as the flurry of the holidays winds to a lull. Fortunately, there are measures you can take to beat the blues, and they don’t need to cost you any money.

Here are some simple tips to use this winter that may help lift your spirits:

Tired woman on bed

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New Year, New Money Habits: How to Stick With It in 202212/30/2021

Spend less, save more, pay down debt — how can you make 2022 the year you actually stick to these and other financial resolutions? 

We’ve compiled a list of tips that can help you keep your financial resolutions throughout the new year. 

2022

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Making the Switch to the Credit Union12/23/2021

In today's world, it’s not uncommon for people to have their money spread out among several different financial institutions. For example, many folks often have their checking or savings at one institution and loans at another. It’s even more common to carry multiple credit cards from various institutions in your wallet.

While this is a common practice, especially in today’s digital world, there are many reasons why it’s so beneficial to have your accounts and loans at the same financial institution.

Young man fist pumping

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How to Avoid Credit Card Fraud this Holiday Season12/16/2021

With the holiday shopping season heading into its final frenzied stretch, scammers are out in full force to take advantage of busy shoppers. In particular, credit card fraud is rampant during this time of year. With most purchases paid for with plastic, scammers have their pick of vulnerable prey before the holidays. Stay safe this season and protect yourself and your cards from fraud with these safety measures and preventative tips: 

Credit Card

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5 Tips to Curb Overspending12/9/2021

Nothing beats the joy of treating yourself! Many people feel drawn to the thrill of buying new items, pampering services, or tasty meals. However, overspending can become a financial problem when you’re not keeping track of your budget, leading to unwanted debt and stress.

The good news is there are ways to curb excess spending while still being able to enjoy yourself.

Counting Money

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All You Need to Know About Multifactor Authentication12/2/2021

In our digital world, passwords are as much a part of our lives as Netflix and Amazon. Keeping information stored in dozens of accounts across the web can make it easier to stay on top of your finances, order a new pair of jeans or even schedule a dentist appointment. Unfortunately, though, passwords can be relatively easy for scammers to hack, opening the door for identity theft, credit card fraud and more. 

Here’s where multifactor authentication (MFA) comes into play. As a means of securing your information, MFA provides an extra layer of protection for your accounts and sensitive data. 

Here’s all you need to know about MFA, how it works and why it’s an important step in protecting your information. 

Phone with MFA

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4 Scams to Watch Out for this Black Friday11/25/2021

Black Friday has traditionally been the day that kicks off the holiday shopping season, sending hordes of crowds surging through malls and big-box stores all over the nation. Unfortunately, it’s also been a day that kicks off the season of shopping scams. 

Here are four scams to watch out for this Black Friday and throughout the holiday shopping season:

Black Friday Sign

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10 Ways You Can Use a Home Equity Loan11/18/2021

You’ll often hear homeowners talking about tapping into their home’s equity to solve a variety of financial challenges. But what exactly is home equity? And if you do tap into your home’s equity, how can you use those funds?

There are several ways to access your home’s equity, including a Home Equity Loan and a Home Equity Line of Credit (HELOC). Both options are similar, but each has its own pros and cons.

Decorated home

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Financial Resources Available for Veterans11/11/2021

We owe the strength and security of our country to our heroic veterans. These brave men and women sacrifice the comforts of home, time with family and often their physical well-being to protect us. Unfortunately, though, many veterans are struggling to make ends meet and to support their families.

If you are a veteran, you likely already know about VA loans, which are no-money-down home loans just for veterans. But did you know there are many other ways the government and charitable organizations can help you get back on your feet?

Here’s a list of financial resources created especially for veterans. Having served our country, you deserve all this and more.

Veterans

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What to Expect for Holiday Shopping 202111/4/2021

The holidays are coming and it’s time to hit the shops! Retailers and consumers around the nation are anticipating a holiday season that’s a lot closer to pre-pandemic days than last year’s festivities. Unfortunately, though, suppliers are cautioning consumers to expect supply shortages, shipping delays and higher price tags than ever.

With that in mind, here’s a look at what you might expect to see this holiday shopping season.

Holiday Shopping

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Don’t Get Spooked by One of these Scams this Halloween!10/28/2021

That cackling, long-haired witch might send your heart fluttering with fear, but these Halloween scams are even spookier! Here’s what to know about these common Halloween scams. 

Halloween Decorations

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International Credit Union Day: Dreams Thrive Here10/21/2021

Are you as excited as we are to celebrate International Credit Union Day?

ICU Day is celebrated on the third Thursday of every October since 1948! The day has been designated as an occasion for credit unions all over the world to recognize the history behind the credit union movement, its spirit and its philosophy. It’s a day to share your experiences as a member and to reflect upon all the benefits you enjoy by being a part of your credit union.

You already know how wonderful it is to be part of a credit union, but in the spirit of ICU Day, let’s take a quick look at four factors that make a credit union outstanding and allow your dreams to thrive.

ICU day

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10 Ways You Can Use a Home Equity Loan10/14/2021

You’ll often hear homeowners talking about tapping into their home’s equity to solve a variety of financial challenges. But what exactly is home equity? And if you do tap into your home’s equity, how can you use those funds?

There are several ways to access your home’s equity, including a Home Equity Loan and a Home Equity Line of Credit (HELOC). Both options are similar, but each has its own pros and cons.

Highrise Building

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How to Protect Family Members from Scams10/7/2021

Nowadays, everyone in the family is using technology - from kids to grandparents. These convenient digital tools instantly connect everything, from friends and family to financial accounts and shopping. Unfortunately, they also open the door to fraudsters.

It’s more important than ever to educate your family members about online safety and how to avoid becoming a victim of the latest scam.

Family

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21 Ways to Celebrate National Hispanic Heritage Month9/30/2021

National Hispanic Heritage Month is observed annually from Sept. 15 through Oct. 15. Since 1968, the month has offered Americans the opportunity to celebrate the unique histories, cultures, and contributions of American citizens whose ancestors came from Spain, Mexico, the Caribbean, and Central and South America. 

Join in the festivities with these 21 ways we’ve compiled for celebrating Hispanic Heritage Month.

Heritage Month

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10 Ways to Make Your Accounts More Secure9/23/2021

With online transactions increasing each year, it’s more important than ever for people to become vigilant in protecting their identity. Identity theft and fraud are on the rise, and scammers are becoming smarter and more creative with how they’re targeting people and their accounts. Figuring out where to begin to protect yourself can be overwhelming. Here are ten things you can start doing right now to help keep your accounts more secure.

Safety

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How do I Raise my Kids to be Financially Independent Adults?9/16/2021

It’s commendable to try raising your kids today with an eye toward their future. Teaching your children how to be financially independent will help smooth the transition into adulthood. It will also give them the tools they need to achieve and maintain financial wellness throughout their life.

Here are some tips for raising kids to grow into financially independent adults. 

Father and Son

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6 Steps to Crushing Debt9/9/2021

You and debt are so over. You’ve just about had it with those endless piles of credit card bills and those hideous numbers that never seem to get any lower. It’s time to kiss that debt goodbye!

Getting rid of high debt will take hard work, willpower and the determination to see it through until the end, but it is doable. Here, we’ve outlined six steps to help you start crushing debt today. 

Couple

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Making Sense of Common Auto Loan Terms9/2/2021

Whether you’re purchasing your first car or your seventh, buying a new vehicle is exciting. From the model, features, and color, you have many important decisions to make. However, that excitement can wane the minute you start talking about finances.

Because vehicles come with higher price tags, most people cannot pay cash for a new car. Instead, they turn to auto loans for their financing needs. Before you sign on the dotted line, it’s crucial that you understand the most common terms associated with vehicle loans and how they will impact your finances.

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How to Pay Off Loans Quicker8/26/2021

Sometimes loans and borrowing money can have a negative connotation. The truth is that loans are powerful instruments that can drastically improve your financial standing when used properly. Whether you’re investing in yourself through higher education, purchasing a home for your family, or just need cash flow for monthly expenses, loans often make the impossible possible.

However, while loans may serve a financial purpose, that doesn’t mean you should come to rely on borrowed funds. Instead, use the loan as intended and work to become debt-free as quickly as possible.

Formulating a plan to pay off loans early is a great way to save on interest and free up valuable funds for other needs.

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Your Complete Guide to Buying an RV and ATV8/19/2021

If you’re ready to purchase an RV or an ATV, the number of choices to make can be overwhelming. The price range for different vehicles is enormous, choosing between a new or used vehicle can be tricky and securing financing can be a nightmare all its own. To help you through the process, we’ve outlined the steps to take, factors to consider and general tips for purchasing an RV or an ATV. Let’s get started!

RV

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What to Buy and What to Skip in August8/16/2021

Would you love to pick up some great bargains as the summer winds down? Which products typically go on sale in August and which should be pushed off for another time? As host to the second-biggest shopping season of the year, the tail end of summer brings some fantastic finds, but some overpriced products as well. Here’s what to buy and what to skip in August:

mannequin

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7 Reasons to Buy an RV or Campervan8/12/2021

If you’re thinking of road-tripping your summer getaway, think RVs. Recreational vehicles and their close cousin, campervans, are growing increasingly popular as more families hit the road for a true American adventure that’s easier on the wallet and heavy on the fun. When purchasing an RV, you can go all out with a fully loaded luxury vehicle, or go the less costly route by opting for a campervan, also called a Class B motorhome. 

If you’re still not convinced, here are seven reasons to buy an RV or a campervan

RV

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How to Save on Wedding Costs8/5/2021

Did you know that the cost of the average wedding in the U.S. is $28,000*? That’s an awful lot of money to spend on one event, especially when you consider that just 12% of couples have wedding savings when they get engaged, according to a study by Behind the Wedding Budget. This means that for many couples, the honeymoon is over as soon as those bills start coming due. 

Fortunately, it doesn’t have to be this way. With some careful planning, prioritizing what’s important to you and your spouse-to-be, and by following some of the cost-cutting tips outlined here, you can have the wedding you desire and your budget, too.

wedding venue

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How to Make a Vacation Budget You Can Keep7/22/2021

With mask mandates and occupancy limits easing and/or lifting, millions of Americans are looking forward to a summer getaway with more excitement than usual. Entertainment venues are opening, attractions are up and running again and for some, it’s been two years since they’ve enjoyed a real summer vacation.

While it’s great to get away for some fun in the sun, it’s important to stick to a budget, even when on vacation. An over-the-top vacay you can’t really afford can mean spending months catching up on credit card payments and paying high-interest rates that may make it not worth the price. This year, attack your vacation with a financial plan that you can actually keep by following the tips outlined in this article.

World Map

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Q&A: Why Are Gas Prices So High Now?7/15/2021

Trying to heal financially as life returns to pre-pandemic norms, but the rising cost of many commodities, like groceries and gasoline, is making a financial rebound a challenge? Why are prices skyrocketing right now? Learn more here

Person getting gas

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5 Tips When Starting Your Own Business7/1/2021

Whether starting your own business has been a lifelong dream or recent events encouraged you to try and monetize your unique skills and talents, there is much to consider before taking the plunge. While creating a business is relatively simple in terms of completing and filing forms, ensuring your success long-term requires greater planning.

Before you dive right into your new business venture, review the following tips to help you navigate the waters of business ownership.

Laptop

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Six Reasons to Switch to eStatements6/24/2021

Are you constantly dealing with a barrage of junk mail that clogs up your mailbox? Drowning in papers needing sifted through? Are you always afraid to throw out any paper from your financial institution, fearful that you’ll be throwing sensitive material into the trash and making it an easy steal for would-be scammers?

If this sounds familiar, you may benefit from switching to electronic account statements.

Laptop

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College Degree Scams6/17/2021

For many young adults, obtaining a college degree in their desired field is the key to a secure financial future. Unfortunately, though, scammers are exploiting this essential right of passage by offering fake diplomas and bogus degree programs to the unsuspecting college-bound crowd. Here’s what you need to know about college degree scams.

Female with degree

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Creating A Post-Pandemic Budget 6/10/2021

Now that the world is opening up again, your spending habits are probably changing. Gas expenses may have increased by getting out more. You may be feeling the need for a social spending spree of outings, dining, and events that you haven’t been able to indulge in for over a year.

Dog

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I’m An Adult Now. Now What? 6/3/2021

Turning 18 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. Whether you are still at home or setting out on your own, you'll need to prepare for the changes that come with being 18. In this blog we share a quick guide to starting out at 18.

Teenagers

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All You Need to Know About HELOCs5/27/2021

If you’re a homeowner in need of a bundle of cash, look no further than your own home. By tapping into your home’s equity, you’re eligible for a loan with a, generally, lower interest rate and easier eligibility requirements. One way to do this is by opening up a home equity line of credit, or a HELOC. Let’s take a closer look at HELOCs and why they can be an excellent option for cash-strapped homeowners. 

Couple renovating

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Micro-Deposit Scams5/20/2021

It probably doesn’t surprise you to know that scammers are always coming up with creative ways to con people out of their money. Recently, there’s been an uptick in an old scam in which crooks reach out to targets and try to gain access to their accounts through micro-deposits. Unfortunately, too many people have already fallen for this scam, and we don’t want our members getting caught in the trap. To that end, we’ve compiled this guide on micro-deposit scams, how they play out and what you can do if you’re targeted.

Glasses by pool

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Lawn-Care Scams Sprout up in Spring5/13/2021

Spring is here, and the buds are sprouting like mushrooms after rain. Unfortunately, so are the scams. The Better Business Bureau (BBB) is warning of an uptick in lawn-care scams, which can be difficult to spot. Here’s what you need to know about these scams and how to play it safe.

Lawnmower

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Unprepared For College Tuition? You’re Not Alone!5/6/2021

Sending your child to college without having any savings isn’t going to be easy. It’s going to take more research, more writing and more debt. This disadvantage isn’t insurmountable though: You and your child are both going to have to work a little harder to make this happen.

money

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The Good, the Bad, and the Ugly of Credit Card Churning4/29/2021

The term “credit card churning” refers to the act of repeatedly opening credit card accounts to earn the cash rewards, points, and miles that are awarded as signup bonuses. Then, once you’ve met the minimum requirements to receive your rewards, you close the cards before annual fees come due. While the practice promises quick rewards for cardholders, it also poses significant risks. Here’s what you need to know about credit card churning.

Credit Cards

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How to Get the Most Money for Your Trade4/22/2021

While many people may think they have some tricks up their sleeves to obtain the best deal on their next new vehicle, typically, it’s the car salesman that seems to always come out ahead. However, if you approach your new car shopping with a plan, you might be able to grab yourself a great deal, even when you’re trying to trade in your existing vehicle. Here you’ll learn some tips on how to get the most money for your trade-in.

Boy in Car

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Why Advertised Auto Loan Rates Can Be Misleading4/8/2021

When it comes to buying a new car, everyone is looking to score a great deal. One of the most common measures of this is the interest rate you pay on your vehicle loan. After all, the lower the rate, the better, right? While that may be true, the actual interest rate you receive may vary significantly from those that are advertised.

Girls in a car

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Why You Should Get Your Tax Refund Direct Deposited4/1/2021

While you can sit and wait for your tax refund check to hit your mailbox, it can be a long, painful, and frustrating wait when you really need that money. The good news is that the IRS will directly deposit your tax refund (some or all of it) electronically into your savings or checking account. You just need to let them know that's how you prefer to receive it when filing your taxes.

In this article, we will review some of the reasons why having your tax refund directed deposited is the best option, as well as the steps on how to set it up.

Coins

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Celebrate National Virtual Vacation Day March 303/30/2021

March 30 is National Virtual Vacation Day, and the past year has taught all of us that almost anything can be done virtually. You can attend a crucial client meeting, your best friend’s wedding and even take a college course over the screen — and you can even take a dream vacation!

Whether you’re stuck in quarantine, you just feel safer at home, or you want to save a buck on travel costs, here are 10 tips and trip ideas for celebrating National Virtual Vacation Day.

Family

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Tips to Help Teens Succeed in Their First Job3/25/2021

That first job as a teen is almost as exciting as passing the driver’s test and getting a license to drive. There is a certain amount of freedom in both. One represents greater financial freedom, while the other represents freedom of movement. But, with this great independence comes even greater responsibility.

These tips will help your teen make the most of their first job so that they can enjoy greater success. And, if you’re a parent of a teen, be sure to pass these along to your teenager as they prepare for their first job.

Teen

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How to Score a Better Deal on Your Next Car3/18/2021

Buying a car is an exciting time. There are so many possibilities. While your heart may be into the shiny little sports car on the lot, your budget may have something like a nice modest sedan or SUV in mind. This guide will help you narrow your focus so you really can score a better deal next time you buy a car.

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All You Need to Know About the New Stimulus Bill3/15/2021

On March 6, the Senate passed the $1.9 trillion American Rescue Plan. The bill promises further financial relief and assistance to millions of Americans who may still be struggling with the financial devastation of COVID-19.

In this article, we’ve outlined some of the most significant measures included in the bill ...

Washington DC

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Tips for Young Investors3/11/2021

If you’ve been watching the news in recent months, it’s hard to miss the “Gamestop Rebellion,” in which some ordinary people made waves and enjoyed massive gains by investing in Gamestop stocks.

While it is possible to enjoy gains like this when all the stars align perfectly, it is equally likely to experience significant losses. In this way, the stock market is much like a casino, especially if you don’t understand the many principles and investing strategies.

One thing is certain, technology and the rise of online trading companies have made it possible for “the little guy” to dive right into the stock trading process — something that was essentially impossible a short while ago.

Be aware, however, that even those who are trained in the principles and strategies of investing can lose big. It’s an even greater risk for novice investors. Here are some investment tips for those just starting.

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The Risks of Withdrawing Too Much Cash3/4/2021

In these uncertain times of COVID-19, people wonder how best to protect themselves and their families from financial disaster. Although it is certainly understandable to have those worries, it is also highly advisable to remain calm and respond thoughtfully. Rash actions made under stress can cause all kinds of unforeseen problems, which is especially true when it comes to finances. So what's the best course of action right now?
 

ATM

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If You Hear This, You’re Talking to a Tax Scammer2/25/2021

It’s tax season, and scammers are working overtime to get your money. Tax scams are as varied as they are common, but when you know what to look for, you can beat fraudsters at their game and keep them from getting your money and your information.

If you hear or see any of the following 12 lines this tax season, you know you’re dealing with a scammer:

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How Credit Unions Help Out the Community2/18/2021

Our credit union plays a vital role in helping our community grow. Different than banks, which are formed on the idea of turning profits, our credit union is built on the “people helping people” philosophy. The better you understand how our credit union helps our community, the greater the odds are that you and your family will gain more from your membership. These are just a few ways our credit union helps our communities and our members.

Together

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10 Things to Do If You Lose Your Wallet2/11/2021

You don't think it will ever happen to you — and then it does. You lose your wallet. One minute you're walking around with your wallet securely in your pocket, and then next, it's gone. And you didn't even realize it was missing until it came time for you to pay for something. At first, you might panic. But, instead, stay calm and take these ten steps below right away.

Wallet

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Last Minute Tax Tips for 20212/4/2021

The past year was challenging for much of the country. Now, as we move forward into 2021, we must also plan for April 15 and the possible tax ramifications this date signifies for many.

At this time, we’d like to take the opportunity to offer actionable advice you can use to help you with your tax prepping and planning for the year. These tips will help ensure you’re on the right track for tax season and may help you avoid some of the potential penalties and other problems that can come with filing your taxes.

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Financial Tips for Gig Workers1/28/2021

The traditional 9-to-5 job has gone by the wayside as more and more people realize they can do just as well, if not better, in the gig economy. Whether you deliver food for Uber Eats or Door Dash, groceries for Instacart, or walk dogs for Rover, you are part of the gig economy. Also referred to as "on-demand" workers, gig workers are part of this contingent workforce where jobs have no long-term employment contract and operate with a non-standard arrangement.

Successful gig workers enjoy self-direction, excel at hustling, and shine in self-promotion. However, as a freelance gig worker, you not only have to run your business but also have to manage your finances. And, although the timing of your paycheck might be unpredictable, you can steady your financial boat by applying a few tips — even when your income can be a bit rocky.

Here are five financial tips for people working in the gig environment.

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Steps to Take if You’re a Fraud Victim1/21/2021

Unfortunately, identity theft impacts many people each day. Because of the potential resulting damage, if you become a fraud victim, it’s essential to take swift action to get the situation under control.  While this may take a few steps, you must do what is necessary to minimize fraud’s harmful effects.

If another person obtains your personal information, or if your private data is exposed in a data breach, you should go right to work to protect your identity. When criminals have your personal information in hand, they can open fraudulent credit accounts under your name and potentially damage your credit history.

Here are some steps you can take if you do become a victim of fraud:

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How Your Car Term Affects Your Payment1/14/2021


Purchasing a vehicle is a significant financial decision. Right now, we are in what is known as a low-rate environment, which means we are paying less interest on the auto loans that we take out. However, interest isn’t the only thing that affects our monthly car payment. The loan term, or the amount of time we pay on our auto loans, also affects our payments, and can significantly impact what we pay overall.
Here we'll review a couple of examples of the way loan terms can impact how much you'll pay each month, as well as the overall cost of your vehicle.

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Five Steps to Take After a Financial Disaster1/7/2021

As we sail into 2021, many Americans are struggling with the aftershocks of financial disaster. Whether it’s due to a layoff, a smaller workload, medical expenses or a change in family circumstances, the financial fallout of COVID-19 has been devastating for people in every sector of the economy.

Recovering from a financial disaster, due to a pandemic or any other reason, is never easy; however, with hard work and the ability to look forward, it can be done. Here’s how ...

The White House

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Will I Be Getting a Second Stimulus Check?1/5/2021

After eight months of negotiations, the Senate has finally passed a bipartisan deal on a new coronavirus stimulus plan. The $900 billion economic relief package will deliver emergency aid to a trampled economy and provide struggling Americans with desperately needed funds.

The bill will put $325 billion toward business relief in an effort to revive strained corporations around the country. But what will this mean for you? Read on for a detailed breakdown of the stimulus check regulations.

The White House

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The Benefits of Using Mobile Payments12/24/2020

Why fumble for your wallet at checkout when you can just pay by using your phone?

With more than 81% of Americans owning smartphones, contactless payments by digital wallet and mobile payment apps are now more popular than ever. Contactless payment is also becoming increasingly available at checkout counters across the country, with six in every 10 retailers accepting digital payments, according to research by the National Retail Federation.

Here are some of the benefits of using mobile payments.

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Don’t Fall Prey to a Holiday Toy Scam12/17/2020

He’s making his list and checking it twice. Unfortunately, though, the scammers making the list aren’t being so nice.

Scammers famously exploit high-stress times, and the pre-holiday shopping frenzy is no exception. That’s why the BBB is warning of an uptick in holiday toy scams which can be difficult to spot.

Here’s what you need to know about these scams.

Iron man toys

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NATIONAL IDENTITY THEFT AWARENESS MONTH: Protect Yourself from Identity Theft12/10/2020

If you’ve been a victim of identity theft, you’re not alone. According to the Federal Trade Commission, identity theft has been on the rise in recent years—and even more so during the COVID-19 crisis with more people working from home and turning to the internet for their shopping.

Here are some ways to help minimize the impact of fraudulent activity and the heavy costs associated with fighting it:

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Tracking Holiday Spending Keeps Seasonal Stress Down12/3/2020

Nothing is more heartwarming than seeing your loved ones’ faces light up when they open that perfect gift you (err, Santa) gave them.

Tyler’s new bike, Olivia’s new tablet and that gift card to mom and dad’s favorite steak place all add up to wonderful holiday memories… until the credit card statements show up.

The holidays will look different this year due to the COVID-19 pandemic, which is why most people will try even harder to make the season brighter for others. But, you don’t have to dip into Tyler and Olivia’s college savings to create a special time for everyone!

Here are some tips on how to track your Holiday spending.

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Is Black Friday Still on in 2020?11/26/2020

Black Friday has gotten a bad rep in recent years.

From shoplifting to stampedes, nothing rings in the holidays more fondly than shoppers doing battle in the aisles over bargain deals on the shelf.

Even in a pandemic, though, Black Friday is the high holiday for serial shoppers. Social distancing and mask wearing are not going to keep them away from the thrill of the deal at a brick and mortar store. But it does beg a few questions. Here’s some answers.

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Women with shopping bags

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How to Celebrate Thanksgiving During COVID-1911/19/2020

It’s turkey season! But this year, due to the COVID-19 environment we’re experiencing, the holiday festivities will look a bit different than before. With some precautionary measures and careful planning, though, you can celebrate Thanksgiving in the era of the coronavirus without compromising on your health or safety. Here’s how:

Table spread

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Securing Your Home Devices: How & Why11/12/2020

With so many people using smart devices in their homes these days, it’s more important than ever to make sure they are secured. Since these devices connect directly to the Internet, you may not realize they collect and share your data. Therefore, it's essential to understand how they work — and, more importantly, how you can secure them.

 

Cell phone device

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Waging War Against Porch Pirates11/5/2020

Holiday shopping season is upon us and your (not-so) friendly neighborhood porch pirates are gearing up to pilfer the holiday treasures being delivered to your doorstep.

We’ve all seen the familiar footage from a home security camera: a fish-eye view of a home’s front porch sporting a stack of smiling Amazon Prime boxes. An unexpected car pulls up. A stranger approaches the cardboard booty. He or she looks to the left, looks to the right, scoops up the bounty and runs back to the car, ruining the holidays for everyone.

The holiday season can be stressful enough with arranging travel or hosting overnight guests; baking; cleaning; shopping and wrapping gifts. You don’t need the extra burden of some crooks stealing your joy and peace of mind.

Here are some ways you can conquer the porch pirates and lay claim to the best holiday ever.

 

Front Door

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How will my Insurance Premiums be Affected by a Car Crash?10/22/2020

Have you recently been involved in a car crash and are wondering what to expect as far as your insurance rates. How big of an increase can you expect to see in your monthly premiums?

The short answer is: In most cases, car insurance providers will add a surcharge to your monthly premiums following a car accident involving one of the drivers on the plan; however, the exact increase you’ll see, and whether you will see one at all, varies by the driver, insurance carrier and state.

Here are the answers to all your questions regarding vehicle accidents and insurance rates.

 

Crashed Vehicle

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Can Halloween be Celebrated Safely This Year?10/15/2020

With COVID-19 still disrupting all kinds of plans, many are wondering about Halloween celebrations this year. Is there any way to safely celebrate Halloween in 2020?

Fortunately, the answer is not all that scary. With some flexibility and wise precautions, Halloween can still be a frightfully fun day for the entire family.

Here’s all you need to know about celebrating Halloween safely in the era of COVID-19.

 

Pumpkins

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How to Read a Paystub10/8/2020

Having your paycheck directly deposited into your checking account can be super-convenient, but it can also lead to being unfamiliar with your paystub. It’s important to review your paystub occasionally to check for possible errors and to review the deductions. No worries, though, Eagle Community CU is here to help! We’ll walk you through a typical paystub and break down all the numbers and information so, going forward, you can do it on your own.

 

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My Savings Has Been Wiped Clean; How Can I Replenish it?10/1/2020

The last few months have been really tough on everyone's finances, and many people have been forced to use their savings and emergency funds for getting by. Now that many workplaces are opening up again and financial situations are starting to improve a little, let's start building those savings up again.

Watching savings that took you years to build up disappear in just a few months can be disheartening, but it’s important to remember that you’ve made the right choice. Using emergency funds to survive prolonged unemployment, an unexpected large expense or a medical emergency is the best way to make it through a financial hardship. If your savings are depleted, though, you’ll want to start rebuilding as soon as possible to ensure you have the funds to cover a future financial challenge without falling deeply into debt.

Here’s how to start your rebuilding plan:

 

Piggy Bank

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The Credit Union Difference: A Look at Loan Interest Rates9/24/2020

As a member of Eagle Community CU, you enjoy the many benefits we offer, including personalized service; optimal convenience; a voice in the way your credit union operates; and higher general earnings on your savings.

One of the most significant advantages we offer our members is lower interest rates on loans. Our loans offer you the best of both worlds, with an easy application and qualification process, plus a quick turnaround from beginning to end. Most importantly, though, when you take out a loan through Eagle Community CU, you’ll enjoy more savings on the interest rates throughout the life of the loan. That means your loans cost you less.

Let’s take a look at some of the most popular loan categories and how the interest rates at credit unions differ from the industry average.

 

 

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What’s a Recession Anyway?9/17/2020

Unless you’ve been living in a bunker for the last several months, you’ve likely caught the term “recession” thrown around on the news more than once. Hearing this word being used to describe the state of the U.S. economy can trigger a range of reactions from mild anxiety to a full-blown stuffing-money-under-the-mattress panic.

For many people, though, part of their angst surrounding the state of the economy is the vast amount of unknown: What is the exact definition of a recession? How is it different from a depression? How long do recessions usually last? What causes a recession?

So many questions — but we’ve got answers! Here’s all you need to know about recessions, the current state of the U.S. economy and what all of this means to you as a private consumer.

 

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Making A Will9/10/2020

It’s not always an easy thing to think about, but preparing for your end of life will ultimately ensure your property is distributed as you wish, and to the benefit of those you care about most. In this article, we discuss why a will is important and how to create one. While creating a will may not help your personal financial fitness, it can help your beneficiaries.

Family Hugging

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Close To Retirement? Here’s What You Should Know 9/10/2020

The closer you get to retirement, the more excited you may be—and more worried. If you are 18 to 24 months away from retirement, this article is for you. You may still be wondering if you have enough saved, or if you can (or should) plan on finding a supplemental income. How will an uncertain economy affect your retirement? We answer these questions and more below.
 

payday lender

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Schedule Your Annual Loan Review9/3/2020

When looking to save money, most begin by reviewing their current monthly budget and expenses. But limiting dinners out or cutting the cord on cable only nets you so much in savings. One of the most significant ways to free up extra money is by reviewing your current loans.

After all, loan payments likely make up your largest monthly expenses, why shouldn’t they provide the greatest savings as well? They can. And you can do it through an Annual Loan Review.

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Why You Should Avoid Payday Loans8/27/2020

Life can sometimes bring you unexpected challenges, and you might find yourself desperately in need of immediate cash. While using a payday loan may seem like a viable option, these loans can quickly spin out of control and put you into even greater debt.

payday lender

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How to Create Your First Elevator Pitch8/20/2020

Elevator pitches take humble-bragging to a new level. At its core, the concept of an elevator pitch is to squeeze all you can about your talents, strengths and work experience into the time it takes for an elevator to travel from one floor to the next.

Your last few months in college are a great time for polishing your elevator pitch until it is perfect. You can use it to answer common interview questions as you job hunt, or just have it handy if you happen to run into a potential new employer, anytime, anywhere. Working on your elevator pitch will also help you clarify your work goals as you prepare to transition to a new stage of life.

To make this task easier, we’ve broken down the process of creating a killer elevator pitch into seven simple steps.

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Why Personal Loans May Be the Best Choice8/13/2020

Many people turn to credit cards when financial fires need to be put out quickly. While credit cards can serve an important purpose for helping out in financial jams, they aren’t always the best options for people to consider.

In fact, there are other options that offer far more favorable experiences when you find yourself in need of fast cash to help resolve one of life’s little emergencies. One of these options is a personal loan.


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Beware Back-to-School Tuition Scams8/6/2020

Back-to-school season means a flurry of shopping — and a flurry of scams. Scammers know that students and their parents are caught up in a frenzy of preparations and errands and are, therefore, more likely to fall victim to schemes. As you get ready for school, look out for these scams targeting college students and parents of private school students that tend to peak before the start of the school year.


Female Student

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Refinancing Loans to Boost Your Savings7/30/2020

Let’s be honest… saving money isn’t always as easy as it sounds. You create a monthly budget and do your best to follow it, but something always pops up to throw you off track. Plus, there are only so many ways to cut back your spending. Sure, you can switch cable providers or phone plans, but those savings are usually minimal. You want to save money… a sum of money you can actually see in your accounts.

One of the easiest ways to save big is by refinancing your current loans. After all, your largest monthly expenses are usually your loans (home loans, auto loans, credit cards). So why wouldn’t they also be the source of your biggest savings? They are.


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The Top 6 Photo Apps for Summer7/23/2020

Summertime is all about making memories. Whether you’ll be spending summer 2020 staycationing at home or traveling the country, you’ll need to record those priceless moments for posterity. Here are the six free photo apps that will take your pictures beyond Instagram and make your summer memories last forever.



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Snowball Method vs. Avalanche Method: What’s the Best Way to Tackle Debt?7/16/2020

Debt is the ultimate killjoy. It can destroy a budget, make long-term financial planning impossible, and shadow every purchase you make with guilt. No one wants to live with that debt burden. But how do you kiss your debt goodbye?

Crawling out from under this mountain won’t be easy, but if you’re ready to realign your priorities and do what it takes, you can shake off debt no matter how large.

Let’s take a look at two popular approaches for paying down debt and explore the pros and cons of each.



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The Complete Guide to IRA Products and Their Recent Changes7/9/2020

It’s commendable that you’ve started thinking about your retirement planning. There are important distinctions between each type of IRA, so it’s best to review them before making your choice. There have also been several recent changes to the structure and limitations of IRAs with the passing of the Setting Every Community Up for Retirement Enhancement (SECURE) Act in December 2019 and the Coronavirus Aid, Relief, and Economic Security (CARES) Act in March 2020.

This comprehensive guide to Individual Retirement Accounts, complete with updated information on the recent changes, can help you choose the option that best suits your needs.



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Affordable Summer Activities For The Whole Family7/2/2020

As summer approaches, you may be running out of ideas to keep the whole family busy at home. Below are some great family projects and activities to keep you busy… but not broke.
 

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Beware of Relay Theft6/25/2020

Keyless entry is one of the most convenient features of newer cars. There’s no more fumbling for your keys when your arms are full of groceries or you’re toting a squirming toddler. Just press the “unlock” button to get inside and the “start” button to get the engine powered up, and your car will pick up the signals from your key fob.

Unfortunately, though, this user-friendly feature is also a favorite for car thieves.

Car Keys

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Should I Take the Zero-Percent Financing Offered by the Dealer?6/18/2020

You're in the market for a new set of wheels, and I’ve seen some dealers advertising zero-percent financing. Should you take this offer? An auto loan without any interest sounds like a dream; however, there are many considerations before deciding to take out a zero-percent financing loan. Let’s take a closer look at zero-percent financing so you can make an informed, responsible decision about your auto loan.

Car Dealership

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Working From Home: The New Normal6/11/2020

Prior to the Coronavirus pandemic, working from home was a lofty goal for many people. While many companies were moving towards allowing more employees to work from home, this option was either technologically burdensome or resisted by management at many businesses. However, in March 2020, that all changed.

Working from home

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7 Money Myths You Need To Stop Believing Now6/4/2020

We all grow up hearing the same financial advice: Spend less, save more and invest early. While most of these words of wisdom ring true, there are lots of widespread money management tips that are actually false.

Outlined here are 7 money myths that might be causing you more financial stress than benefit.

Mythical Creature

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What To Do If Your Income Is Reduced5/28/2020

It’s challenging enough to make a paycheck last when it comes on a regular basis – but what happens when you have to take mandatory time-off or a reduction in hours, or are paid for some months out of the year but not others? With planning and a careful look at your finances, you can survive the times when the checks are on hold but the expenses march on.

Calculator

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All You Need To Know About Remote Check Capture5/21/2020

In a world where you can order almost anything through your mobile phone — from a new pair of shoes to a dining room table to tickets to a Caribbean cruise — it only makes sense that Eagle Community CU offers mobile banking services for our members. You can now check your account balance and transfer funds between accounts, all from the comfort of your home or while on the road. One of the most convenient features we offer through our mobile banking service is Eagle Community CU Remote Check Capture. There’s no need to squeeze a trip down to Eagle Community CU into your already busy schedule. All it takes to deposit a check is a few minutes of your time and a phone that has internet access. Learn more about the process here.

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Protecting Your Credit During the COVID-19 Crisis5/14/2020

When a crisis hits, it’s important to stay on top of your finances as best you can and monitor your credit.

As the coronavirus outbreak continues to evolve, your credit might be the last thing on your mind. During times of emergencies though, such as global pandemics or natural disasters, you should know the state of your finances and keep your credit on your radar. Along with your physical health being a top priority, so should the state of your financial health and wellness. Read on to find out what you can do to protect your credit.

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Fun Activities for when You're Stuck Indoors5/7/2020

The COVID-19 pandemic is affecting every corner of the globe and all areas of our lives. It has changed the way we do things in ways most of us never would have imagined. Schools, businesses, sports events, concerts, and movie theaters are closed or operating remotely. It’s not surprising that most of us are feeling stressed and anxious, and our kids, too, are feeling the effects–especially children with an existing anxiety disorder.

Fortunately, there are things we can do to help kids cope during this stressful time. Children take their cues from the adults who care for them. If you are displaying outward signs of stress and anxiety, it will be hard to calm your kids and soothe their fears. Experts say that dealing with your own anxiety can be the most powerful way to make sure your kids feel secure.
 

Girl

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CUT THESE COSTS ASAP WHEN FACING FINANCIAL HARDSHIP4/30/2020

Have you ever unexpectedly found out you’re going to have less income? It’s enough to throw you into a panic. But the best way to get through hard times is to take a few deep breaths and put a plan together. Check out these common targets for quick and effective expense cuts.

Piggy

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The Complete Guide to Prioritizing Bills During a Financial Crunch4/23/2020

Our vibrant, animated country has been put on pause. Busy thoroughfares are now empty of pedestrians and previously crowded malls are eerily vacant, as millions of Americans shelter in place to slow the spread of the coronavirus. Forced leave of work has left many wondering if and when they’ll receive their next paycheck.

If you are one of the millions of Americans on furlough, you may be panicking about incoming bills and wondering where you’ll find the money to pay for them all. Let’s take a look at what financial experts are advising now so you can make a responsible, informed decision about your finances going forward.

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A guide to COVID-19 economic stimulus relief4/16/2020

Americans are increasingly feeling the impact of the coronavirus, both on their everyday lives and their financial well-being. As a result of the recently signed CARES Act , the majority of Americans will start to see some financial relief in April through economic impact payments being issued by the Internal Revenue Service.

We’ve worked to break down the most common questions about the economic impact payments, including how much you’re eligible to receive and when you can expect to receive it:

Stay Home

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Stuck at Home? Spend Your Time Productively4/9/2020

COVID-19 has wreaked havoc on normal life around the world. Major retailers and small businesses are closing their doors; leisure travel has almost ground to a halt; the stock market is bearing the brunt of a string of losses; and thousands of schools and universities sit vacant mid-semester while their students are home for an indeterminate amount of time.

For many people, navigating this crisis successfully means being stuck at home for 14 days or more as they wait out a self-imposed or obligatory quarantine. Others may be home due to school closures or because their place of work has temporarily shut down. Still others may be avoiding going out in public in accordance with the president’s recommendation that people not congregate in groups of 10 or more.

While it may, at first, sound like a dream come true, sitting at home without much to do can quickly get old. If you’re one of the millions of Americans waiting out the crisis at home, be proactive about spending your time productively instead of binge-watching six seasons of your favorite sitcom while eating your way through gallons of ice cream. Here are some ideas to get you started:

woman laying floor

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Beware The Fake Check Scam Targeting College Students4/2/2020

Making the transition from high school to college isn’t easy. You need to deal with a whole new set of rules, adapt to dorm life and get to know your new classmates, teachers and roommates. Then there’s the financial aspect: applying for financial aid, grants and scholarships; paying for school supplies, electronic devices and textbooks. And don’t forget about budgeting for food costs, clothing and more.

Unfortunately, scammers are making this transition even more challenging than it already is. There’s recently been an uptick in fake check scams targeting new college students. Young adults make excellent targets. In fact, according to the BBB Institute for Marketplace Trust, consumers ages 18 to 24 are three times more likely than seniors to fall prey to a scam. In addition, the BBB’s ScamTracker Risk Report of 2018 found that 41.6% of students reported a loss when exposed to a scam as compared to 28.3% of non-students.

Don’t be the next victim! Here’s how you can recognize a fake check scam and take steps to keep yourself safe.

people in line

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What Should Be on My Financial To-Do List This Spring?3/26/2020

Q: Spring is here, and I’d love to review my finances to improve them however possible. What should be on my financial to-do list this spring?

A: It’s wonderful that you’re using the season to take a deep look at your finances. Let’s review some ways to improve your finances and general money management this time of year.

woman with cell phone

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Beware of Coronavirus Scams3/19/2020

Scammers are notorious for capitalizing on fear, and the coronavirus outbreak is no exception. Showing an appalling lack of the most basic morals, scammers have set up fake websites, bogus funding collections and more in an effort to trick the fearful and unsuspecting out of their money.

The World Health Organization (WHO) has published on its website a warning against email scams connected to the coronavirus. The agency claims it has received reports from around the world about phishing attempts mentioning coronavirus on an almost daily basis.

Closer to home, the Federal Trade Commission (FTC) is warning against a surge in coronavirus scams, which are being executed with surprising sophistication, so they may be difficult for even the keenest of eyes to spot.

The best weapons against these scams are awareness and education. When people know about circulating scams and how to identify them, they’re already several steps ahead of the scammers. Here’s all you need to know about coronavirus-related scams

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Coronavirus Opens Doors to Scams3/17/2020

The Coronavirus (COVID-19) has been a windfall for fraudsters as they exploit the global thirst for knowledge on the virus. Fraudsters have launched Coronavirus-themed phishing attacks to deliver malware – typically credential-stealing banking Trojans. The phishing emails purport to be from the Centers for Disease Control (CDC) and the World Health Organization (WHO). Fraudsters have also created fake websites to exploit Johns Hopkins University’s interactive Coronavirus dashboard to spread malware. Read on to learn about these scams.

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Financial Resources Available for Veterans3/12/2020

We owe the strength and security of our country to our heroic veterans. These brave men and women sacrifice the comforts of home, time with family and often their physical well-being to protect us. Unfortunately, though, many veterans are struggling to make ends meet and to support their families.

If you are a veteran, you likely already know about VA loans, which are no-money-down home loans just for veterans. But did you know there are many other ways the government and charitable organizations can help you get back on your feet?

Here’s a list of financial resources created especially for veterans. Having served our country, you deserve all this and more.

Man in uniform with kid

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Protecting Yourself Against Card Cracking Scams3/5/2020

In a recent scam targeting cash-strapped millennials, fraudsters are once again cashing in on people’s naivety and goodwill. Only this time they’re using social media to make it happen.

What makes the scam especially cruel is that fraudsters specifically look for victims who are short on funds, such as students with large loans hanging over their heads, struggling single parents or young professionals searching for a job. People who are desperate for cash also prove to be more likely to believe something that sounds too good and that will help them earn them a quick buck. Unfortunately, this vulnerability, coupled with the broad reach and easy plundering that scammers are granted by using social media, has made card cracking more successful in luring victims than many other scams.

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8 Creative Ways to Save on Heating Costs this Winter2/27/2020

Q: I just got my first wintertime heating bill and I’m reeling. I’ve sealed all leaky windows and I’ve replaced the weather stripping around my doors, but my bill is still astronomical. Short of hibernating until spring, is there anything I can do to keep my heating costs down this winter?

A: Sealing air leaks and weather-stripping are great first steps toward lowering your heating bill. Luckily, there are many other things you can do to hack your way to a lower heating bill this winter.

Here are some creative ways to save on heating costs.

Tea Kettle

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Prioritizing Retirement In Your 40’s 2/20/2020

This week we take a long, hard, and possibly brutal look at steps to a successful retirement that are best made in your 40’s. But even if you're in a different age group, this article is for everyone.

Hopefully, by your 40’s you feel comfortable enough with your finances that budgeting and saving are somewhat automated and stress-free. If you have student loans or consumer debt, the balances should be lower or at least on the way down faster than before. Maybe you have advanced in your career or started your own business. You may even have a mortgage and car payments. You are experienced enough to know what you need to improve on, but still young enough to have time to supercharge your finances before retirement.

Read why it’s important and learn 5 "How-To" steps in the article.

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Love And Money: Scripts For Talking About Money With Those We Love2/13/2020

Money plays a vital role in relationships. In fact, how you and your partner relate to money can make or break the relationship. It may not sound romantic, but a study by Jeffrey Dew at Utah State University found that couples who disagree about money approximately once a month are 30-40% more likely to divorce than couples who do not. Those who disagree about finances more regularly significantly increase their risk of divorce.

Not surprisingly, money is one of the most sensitive topics couples face. When “my money” becomes “our money,” a certain level of independence is relinquished by both parties even though the desire to maintain some control is still natural and understandable.

Couple

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How Much Money Should I Keep In My Checking Account?2/6/2020

There’s lots of talk in the world of personal finance about how to best manage a savings account. You might read up on financial experts who recommend keeping three to six months’ worth of living expenses in your savings account, or maybe you’ve seen a tip about socking away enough money to cover larger expenses. Either way, there’s lots of discussion about the ideal amount of money to keep in a savings account.

But what about our checking accounts? Most of us use these accounts on a daily basis. Every swipe of a debit card, every bill we pay and every personal check we write takes money out of our checking account.

How much money should we be keeping in these super-convenient accounts? Let’s find out.

Cash

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Personal Finance Apps1/30/2020

Did “improve my finances” make it to your list of New Year’s Resolutions? There’s an app for that! Actually, there are dozens of personal finance apps on the market, each designed to help you manage your money in the most optimal way possible. We’ve researched the three most popular apps in this category to help you choose the platform that best suits your personal preferences.

Cellphone with apps

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Everything Is Figureoutable by Marie Forleo - Book Review1/28/2020

Dreaming up big goals is easy; it’s finding a way to achieve them that can sometimes feel impossible. Maybe you decided this is the year you kick that addiction, double your contributions to your retirement account or finally pull yourself out of debt. Whatever your big dreams may be, Marie Forleo’s new book Everything is Figureoutable will show you how to make them happen.

Book cover

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Don’t Bet Your Retirement On An 8% Return1/23/2020

If there’s one lesson in investing, it’s that time in the market matters. The longer you leave your capital alone, the more it can grow. If past growth rates continue, the time you leave your savings alone is more important than how much you save.

The problem with that, though, is that past growth rates are not likely to continue. Over the last 30 years, the stock market has averaged 7.8% growth. That growth rate is the foundation of many retirement plans, including some professionally managed funds. If you’ve invested your whole 401(k) in total market index funds hoping to chase that growth, you may be in for a surprise.

Man on Beach

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Don’t Get Scammed At The Gym!1/16/2020

As soon as the calendar hits Jan. 2, the gyms are packed with people who are eager to make good on their New Year’s resolutions. If you’re one of the thousands of newbies making your way to fitness centers this month, beware of these five subtle scams that can end up thinning your wallet more than your physique.

Girl at Gym

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Retirement Savings For Self-Employed People1/9/2020

Moonlighting is the new normal. It seems like everyone has a side #hustle or a personal project they hope to someday turn into a business. While this money-making #ambition is good for the pocketbook, it can be a little tricky come tax time.

Unlike salaried employees, independent contractors don’t get 401(k) programs, pensions or other employer-sponsored retirement programs. Since they are the employer, the burden falls on them to make all of the decisions about retirement accounts. While this can be a hassle, it’s part of the radical freedom involved in being your own boss. You have the flexibility to pick a program that works best for you.

There are three big options when it comes to #saving for retirement as a small business owner, independent contractor or self-employed worker. Remember not to let perfect be the enemy of good with these plans, because any savings is better than no saving at all!

Hustle

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Two Kinds Of Interest1/2/2020

Albert Einstein once claimed the most powerful force in the universe was compound interest. That’s pretty impressive praise from the person whose work helped create nuclear power and atomic bombs. While interest can be powerful, it can also be confusing, because when people talk about it on the news, they mostly talk about it in terms of vague forces and odd numbers. Here’s a quick rundown on what interest is, as well as how it affects your life today and in the future.

Albert Einstein

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5 Scams To Watch For After The Holidays12/26/2019

The mad holiday rush may be over, but scammers aren’t slowing down. The post-holiday weeks bring an increase in scams that, unfortunately, are quite believable during this time of year.

Don’t be the victim of a post-holiday scam! Read on to learn about five common ways fraudsters seek to dupe consumers after the holidays:

Scam Alert

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Give Your Kids The Gift Of Giving12/19/2019

The holiday season brings a flurry of frenzied consumerism, unabashed greed and endless shopping. As a parent, though, you want your kids to associate this time of year with giving and not just with taking. How can you give your kids a joyous holiday season and teach them about kindness at the same time?

The best way to do this is by actively encouraging your children to think of others. Try these activities to help bring the spirit of giving into your home this year:

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Take Caution Before You Borrow Someone’s Charging Cable12/12/2019

You know the feeling. It’s like a bona fide coffee addict running low on caffeine, or like a hiker almost out of drinking water. You’re travelling and your phone is running low on juice. Frantic, you’re searching for a place to plug in and recharge. The last thing you want is to be completely stranded in a strange place with no way to order an Uber or pay for your dinner. In one last desperate move, you search through your bag for the charging cable you always keep there – and then you remember you lent it to your friend and never got it back.

What to do?

And then, like an angel, a stranger appears out of nowhere with a friendly smile on their face. They’re holding a wonderful, beautiful charging cable in their hands.

“Do you want to use this?” they ask.

What do you do?

Young man charging his phone

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6 Ways To Keep Your Finances Intact This Holiday Season12/5/2019

‘Tis the season to shop until you drop-or until you go broke. But you don’t have to overspend.

There’s no need to rack up a huge credit card bill or go into debt just to cover your holiday expenses. Enjoy a stress-free season by keeping your spending in check with these six tips:

Woman shopping online

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What To Buy And What To Skip This Black Friday11/28/2019

It’s the bargain-hunter’s favorite season-or is it? Before you brave the crowds this Black Friday, take a few minutes to read through our list of what to buy and what to skip so you come home only with true bargains.

Girls shopping

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How Not To Bust Your Holiday Budget11/20/2019

The holiday shopping season is in full swing. The malls are packed with eager shoppers. Offers and promotions are coming from clothing stores, electronics retailers and other shopping sites. They’re probably flooding your inbox, and your physical mailbox is getting overloaded with catalogs from shops you haven’t bought anything from in years, if ever.

If you’re wondering how you’re going to pay for this frenzy of shopping while keeping your checking account in the black, you’re not alone. According to a T. Rowe Price survey, more than half of parents will aim to get everything on their kids’ wish lists this year, spending an average of $422 per child.

Many of these parents will be paying for these gifts for months, or even years, afterward. But what’s a busted budget next to holiday cheer, right?

Of course, before approaching any large-cost event, it’s smart to create a budget. Unfortunately, 58% of the parents surveyed admitted that they thought they had created a budget, but didn’t stick to it. Nearly two-thirds admit they spend more than they can afford.

Become an educated shopper this holiday season. It will empower you to make informed decisions about your spending before you hit the shops.

Family

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Thanksgiving Hacks To Save Time, Stress And Money11/14/2019

Thanksgiving means giving thanks for all the good in our lives. It also means stuffed turkey and gravy, cranberry sauce, pie and mashed potatoes. It’s a time-honored tradition of spending time enjoying a delectable holiday meal while in the company of those we love. It can also mean spending an awful lot of money.

According to the American Farm Bureau Federation, the average host cooking a Thanksgiving dinner for 10 guests will spend approximately $50 on the dinner alone. Of course, if you’re expecting more than 10 guests or you tend to overspend when hosting, your costs can easily top that amount.

Between the turkey, ingredients for that luscious holiday meal and décor to set the ambiance, hosting a Thanksgiving dinner is not cheap.Looking for ways to cut back without compromising on the quality and festivity of your meal? Look no further! You know that here at Eagle Community CU we love to keep your wallet plump. That’s why we’ve compiled a list of seven easy ways for you to save on your Thanksgiving costs this year.

Family

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Thanksgiving Hacks To Save Time, Stress And Money11/7/2019

Thanksgiving prep stressing you out? Wondering how you’re going to get everything done in time for the big day and stick to your budget at the same time?

We’re here to help! Whether you’re travelling home for the holiday or hosting a houseful of guests, we’ve got you covered. Eagle Community CU is proud to present 15 clever Thanksgiving hacks to save you time, stress and money as you prepare for Turkey Day.

Turkey in oven

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6 Habits That Cost You $50 A Month Or More10/31/2019

Bad habits are a lot more than just a drag on your health and time – they can also put a serious strain on your budget. Here’s some average expenses of habits that may be impacting your finances.

Chart

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4 Super-Scary Scams To Watch For This Halloween10/24/2019

Don’t let a Halloween scam spook you! Stay a step ahead of those crooks by looking out for these four scams this season.

Halloween Mask

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DIY Halloween DĂ©cor10/10/2019

Don’t blow big bucks on your Halloween décor when you can DIY for a fraction of the price! Check out our list of creative, fun and inexpensive projects to make your home the spookiest haunt on the block.

Kids playing

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Do My Child’s Activities Really Need To Make Me Go Broke?10/3/2019

It’s back-to-school season and you’re just about ready to zip that backpack closed before tossing that supply list into the trash. You’ve been shopping for weeks to get the right pencils and pens, binders and the dozens of other must-haves. This, of course, is in addition to the perfect school shoes and autumn wardrobe. But now you’re done, done, done! Your sanity and your budget are ready for a breather – at least until the holiday shopping season starts.

No worries, though; you don’t have to choose between your budget and your children’s happiness. Here are some ways you can save on your kids’ extracurricular activities this year:

Kids with coach on soccer field

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How Much Money Should I Keep In My Checking Account?9/26/2019

There’s lots of talk in the world of personal finance about how to best manage a savings account. You might read up on financial experts who recommend keeping three to six months’ worth of living expenses in your savings account, or maybe you’ve seen a tip about socking away enough money to cover larger expenses. Either way, there’s lots of discussion about the ideal amount of money to keep in a savings account.

But what about our checking accounts? Most of us use these accounts on a daily basis. Every swipe of a debit card, every bill we pay and every personal check we write takes money out of our checking account.

How much money should we be keeping in these super-convenient accounts? Let’s find out.

Woman with wallet

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How To Save On Your First Set Of College Textbooks9/12/2019

Purchasing every textbook you need for class can take a big bite out of your budget. We’re talking huge amounts here: According to the National Association of College Stores, the average college student spends upward of $80 on each new textbook and can sometimes drop as much as $175 on one volume.

No worries though; you can get your hands on all the books you need for class while also keeping your budget intact!

Read on for 6 ways to save on textbooks this semester.

Woman in book store

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Saving On Your First Time Stocking The Kitchen9/5/2019

As a college student living away from home, perhaps for the first time in your life, you’re in charge of all your dietary needs. No one’s stocking the fridge and pantry with your favorite snacks, or whipping up your best dinner each night. If you want to eat, you’ve got to plan.

All that shopping and food-prepping can be overwhelming — and expensive! With a bit of planning and prioritizing, though, you can master dorm-life eating without living on ramen noodles or going into debt.

Here’s how to save on food costs in college:

Young Woman shopping

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BEWARE EMERGENCY SCAMS!8/29/2019

“Grandma, you gotta help me! They’re going to arrest me if I don’t pay the fine — and I lost my wallet! Can you wire me some money?”

Sounds like a heart-tugging phone call, doesn’t it? It’s actually just a plot by devious scammers. There’s no imminent arrest and no lost wallet. In fact, it isn’t even your grandchild on the line.

Family emergency scams are especially nefarious since they take advantage of the natural affection a grandparent has for a grandchild. They’re usually pulled off in the guise of a frantic phone call that appears to be from the victim’s grandchild.

Here’s how to identify an emergency scam and what to do if you’ve been victimized.

Granddaughter and Grandmother

 

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7 STEPS TO A MID-YEAR FINANCIAL CHECKUP8/22/2019

It feels like you just packed away the holiday decorations yesterday, but believe it or not, 2019 is already half over. As we sail into the season of barbecues and beaches, take a few minutes to give yourself a mid-year financial checkup. A small investment of time can spur important changes that can affect your financial wellness for the rest of 2019 or even for years to come. 

Use the seven steps detailed below to guide you through your checkup. 

Man on laptop

 

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COLLEGE CREDIT CARDS8/20/2019

The transition from high school to college can be difficult for young adults to navigate. Being alone and away from home for the first time introduces new responsibilities as well as opportunities. When it comes to finances, students may be overwhelmed with the introduction of bills and financial responsibilities. In such circumstances, it is a good idea to think about helping your college student sign up for a college credit card.

Credit Card

 

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4 VACATION SCAMS TO WATCH FOR THIS SUMMER AND HOW TO AVOID THEM8/15/2019

With summer in full swing, you might be planning and packing up for the vacation of a lifetime. Before you load the car and head out, though, read through our list of four common vacation scams and learn how to avoid them. You don’t want to take a permanent vacation from your hard-earned money! 

Family taking picture by the pool

 

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THE CREDIT UNION DIFFERENCE PART II – WHAT’S IN A MEMBERSHIP?8/1/2019

As a member of Eagle Community Credit Union, you are uniquely positioned to manage your finances and watch your money grow on the best possible terms. Like the member of an elite club, you are entitled to exclusive privileges and individualized service, courtesy of your credit union. Let’s take a quick look at some of the benefits you can enjoy as a member of Eagle

Woman helping customer

 

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THE CREDIT UNION DIFFERENCE PART 1: THE HISTORY OF CREDIT UNIONS7/25/2019

As a member of Eagle Community Credit Union, you know that credit unions are always striving to serve their members and community in as many ways as possible. We value each member’s input as an equal owner in the credit union, and offer flexible loan terms as well as low-cost accounts. We also reward our members with higher dividends, and proudly donate our time and our resources to community initiatives and organizations. 

This article is the first in a series celebrating the history, contributions and benefits of credit unions. 

Chalk board

 

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FIVE MUST-HAVE GADGETS FOR COLLEGE STUDENTS7/18/2019

You’ve already got your laptop, tablet and, of course, your smartphone. What more can you need for college?

Check out our list of 5 super-convenient gadgets that every college student should know about.

Girls in a room

 

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Saving and Planning for Summer Vacations7/15/2019

The season of summer is a time that we look forward to all year long. With children on summer break and time off of work for holidays and vacation days, families and friends have the opportunity to come together for some family fun in the sun. Although planning and preparing for a summer vacation can be financially daunting, there is no need to feel stressed about enjoying your time off. With the right preparation, your family vacation will be stress-free, relaxing, and enjoyable. Here are some strategies on how to best prepare for an upcoming vacation:

Couple by the water

 

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5 WAYS TO SAVE ON VACATION TRANSPORTATION COSTS7/11/2019

Q: I’m working out a vacation budget and I’m stuck on transportation costs. Every option is so expensive! How can I save on transportation costs when on vacation? 

A: Kudos to you for thinking and planning ahead! Steep cab fees and car rentals are some of the best ways to kill a solid vacation budget, but we’ve got the goods on how to bring transportation costs down. Read on for five ways to get around for less while on your dream vacation. 

Bus in Mountains

 

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INDEPENDENCE DAY CELEBRATIONS, YESTERDAY AND TODAY7/4/2019

Do you know exactly what happened on July 4, 1776? What do our Fourth of July celebrations commemorate, and why?

People watching fireworks

 

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8 SIDE HUSTLES ANYONE CAN DO6/27/2019

Who wouldn’t love some extra pocket money? These freelance jobs don’t require any experience and can be done by practically anyone. Plus, some of them might pay you for tasks you’re already doing! Read on for eight easy side hustles and to find those that may be right for you. 

3 young people in a car

 

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9 STEPS TO BUYING YOUR FIRST CAR6/20/2019

Congrats—you’re ready to purchase your first real car! 

The process can be daunting, but Eagle will walk you through it. Follow our guidelines for a stress-free ride! 

Couple buying car

 

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A GUIDE TO OPENING YOUR FIRST CREDIT CARD6/13/2019

Opening your first credit card is one of the rites of passage into genuine adulthood, but with so much conflicting information, it can all get confusing fast! 

Let Eagle walk you through the process to help you build a strong credit score and credit history that will serve you well throughout your life. 

Woman smiling

 

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DECORATING YOUR FIRST DORM ROOM ON A BUDGET6/6/2019

College dorm rooms can be quite drab, but who’s got the time or the money to do any serious decorating? Plus, school regulations can make anything that’s really creative an impossibility. 

No worries; a beautiful, personalized and warm dorm room is within reach—and within budget. Follow our tips to learn how. 

Girls decorating room

 

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BEWARE TECH SUPPORT SCAMS5/30/2019

Computer on the brink? Careful who you contact to fix it! That’s because the FTC is warning of a surge in tech support scams, many of which can be difficult to spot. 

In a recent widespread scam, a company that called itself Elite IT Partners, Inc., purchased keywords on Google so they showed up in searches for password recovery assistance. Victims contacted the bogus company, which asked the assistance seekers to complete an online form to provide their contact information.

Scammers then reached out to the victims, asking for remote access to their computers. Once inside, they were able to scrape sensitive information off the victims’ computers. But they didn’t stop there; they also used phony evidence to convince many victims that their computers were in desperate need of repair that required pricey software. The scammers gladly accepted payment for this software, which of course they never provided. Many victims lost thousands of dollars to these scammers and had their information compromised as well. 

Tech support scams don’t always follow the above script. Here are two other ways they may go down: 

CellPhone

 

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HOME IMPROVEMENT HACKS5/23/2019

You’ve finally finished scrubbing and purging your home from top to bottom in honor of spring. And now, with every surface, closet, and room sparkling clean, you’re starting to see all the areas that could use a facelift. Maybe you’re hankering after a complete kitchen makeover. You might be dreaming of a fresh coat of paint for your bedrooms. Or maybe your window treatments are in desperate need of an overhaul. 

The only thing standing between you and your dream home is finding piles of cash for funding it, right? 

Maybe not. Lucky for you, you don’t need to spend a fortune this spring to give your house a new look. Read on for our list of home improvement hacks and learn how to upgrade your home on a budget. 

Two Women Renovating

 

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WHAT TO BUY AND WHAT TO SKIP ON MEMORIAL DAY5/16/2019

Since 1971, Memorial Day has been celebrated as an extended weekend away from work–and the unofficial start of summer. It’s time to get that grill going, dust off your patio set, and break out the white jeans you’ve had stashed away all winter. 

More recently, Memorial Day has also turned into a second Black Friday for retailers,  each offering loads of sale events in stores and online,and each promising to save you heaps of money. Lots of these sales will run for a full two weeks, starting a week before Memorial Day, which falls on May 27 this year, and continuing until the end of the month. 

As always, though, not every marked-down product is actually a bargain. In fact, you can sometimes get the same product a lot cheaper by waiting  a few months—or even just a few weeks. And of course, if the for-sale item is not one you need, you’re better off leaving it in the store. But, if you know what to shop for and you’re careful to stick to what you need and can afford, you can find some great deals. 

Let’s take a look at what to buy and what to skip this Memorial Day weekend. 

Two Women Shopping

 

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8 Spring Cleaning Tips5/7/2019

With the season of Spring comes feelings of a fresh new start and new life. As flowers bloom and the sun is shining, you may feel motivated to give a fresh start to your life through Spring Cleaning. Check out some of the best tips and tricks to declutter your space and your finances this Spring!

VacuumCleaner

 

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Student Loan Scams5/2/2019

College students, take note! If keeping up with your coursework, acing your exams and scrambling to hand in every term paper before the deadline weren’t enough, you now have something else to worry about: Student loan scams are on the rise. Scammers know you hate owing tens of thousands of dollars, so they’re quick to offer you an easy — but completely bogus — way to free yourself from that debt. Or, they might falsely claim you owe the feds taxes on your debt. If you’re already stressed about your student loans, that makes you an easy target.

Don’t get scammed! All it takes is a lack of knowledge and a small blunder to be out thousands of dollars.

Here’s what you need to know about the three most popular student loan scams.

Piggy bank

 

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Teaching Your Kid to be a Smart Shopper4/25/2019

It’s never too early to start teaching children how to shop smart. Here are some tips:

Two Children

 

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Nine tips for first-time credit card users4/18/2019

Credit cards are a powerful financial tool. If you use them wisely, they will help you achieve your financial goals. But as the saying goes, with great power comes great responsibility. Abuse them and you will find yourself in a world of financial hurt.

If you recently got your first credit card, here are nine tips to help you use it in a smart, financially-sound way:

CC

 

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Are Private Student Loans A Good Deal For You?4/11/2019

Build your job security and never worry about facing unemployment again!

Student in hallway

 

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Tax Season 2019 Breakdown4/6/2019

For many, tax season can be very daunting. Scrambling to prepare all financial statements and reports is a stressful task and some people rely on the expertise of an accountant to help with the months worth of work. While the time between January and April (known as Tax Season) can be busy, there is no need to feel overwhelmed when filing your taxes. This article will detail the breakdown of tax season and how to file your annual tax return without all the stress.

What you need to know:

Notes on a Notebook

 

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4 Ways To Build Job Security4/4/2019

Build your job security and never worry about facing unemployment again!

Job Security

 

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Dealing with Identity Fraud4/1/2019

Consider This: American consumers have become increasingly aware that their personal information needs protecting. That concern isn’t unfounded. Javelin also found that 6.6 percent of U.S. consumers became victims of identity fraud in 2017—an increase of almost one million victims over 2016.

 

Man

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5 Ways To Pay Off A Loan Early3/28/2019

If you’re like most Americans, you owe money toward a large loan. Whether that means carrying thousands of dollars in credit card debt, having a hefty mortgage in your name or making car loan payments each month, loan debt is part of your life. This means you’re looking at hundreds of dollars in interest payments over the life of the loan(s). There’s also the mental load of knowing you owe perhaps tens of thousands of dollars and that you’ll be paying back the loan for years to come.

 

Couple having coffee

 

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Tax Scam Alert!3/28/2019

The IRS is warning of frequent Tax Scams through phone this tax season. Read on to learn more.

Man

 

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4 Places To Save3/23/2019

Read on to find out the 4 places you can still save money.

Piggy Bank

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Tax Code Changes 20193/21/2019

The annual tax code changes can be confusing. No worries, though; we’ll walk you through everything you need to know for 2019.  

Though most changes won’t take effect until April 2019, some of them can impact the financial choices you’ll make this year. For that reason, here’s the details on the most important tax changes. 

2019

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5 Tips For Your First Spring Break On A Budget3/14/2019

It’s your first spring break and you’re totally psyched! But that doesn’t mean you need to break the bank. Have yourself an awesome time without blowing your budget by following these five spring break tips. 

 

3 Women by the Pool

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Step 2 of 12 Toward A Debt-Free Life: Don’t Dig Yourself Deeper3/7/2019

When you’ve dug yourself deep into a pit, the only way to get out is to stop digging. This month, focus on not racking up more debt. 

 

Man in front of PC

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5 Common Tax Mistakes To Avoid3/6/2019

Short and sweet. Read on to find out our 5 tips for aviding common tax mistakes.

Worried Couple

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7 Ways To De-Stress For Less2/28/2019

Winter doldrums got you down? The empty calendar making you feel blue? Don’t pull out your wallet for some “retail therapy” just yet! 

Right now is the time of year when the blues hit the hardest, so many people turn to their favorite foods, a round of shopping or some other costly means of escape. However, you can get the same results without spending a penny. Let Eagle show you how to de-stress for less and send that down mood packing! 

Read on for 7 pick-me-ups that are absolutely free. 

 

Family playing in snow

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America Saves Week2/24/2019

Win up to $750 in the #ImSavingForSweepstakes by Sharing Your Savings Goal, Tip or Story

Did you know? Savers with a plan are twice as likely to save successfully for things like retirement and their (or their children’s) education! America Saves Week is a great time to start a healthy savings habit.  

To celebrate America Saves Week (Feb. 25-March 2, 2019), America Saves is launching the #ImSavingForSweepstakes. It’s easy to enter!

 

America Saves

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Do I Need An Emergency Fund And A Rainy Day Fund?2/21/2019

Q: Do I need to have a separate rainy day fund and emergency fund? 

A: Rainy day funds and emergency funds serve different purposes. It’s important to have both available to tap into as needed. Read on for answers to all your questions on rainy day and emergency funds. 

 

Jar with Money

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Should I Sign Up For Budget Billing?2/14/2019

Q: My steep utility bills in the winter and summer months always throw my budget for a loop. Should I sign up for budget billing? 

A: Budget billing can simplify your utility payments by making each month the same fixed amount, but it’s important to understand all the facets before signing up. 

Read on for all your questions on budget billing, answered.   

 

Woman checking bills

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Step 1 Of 12 Toward A Debt-Free Life: Take Stock Of Your Debt2/7/2019

You’re determined that this will be the year you finally pay down (or pay off) that debt. Get ready, because every month, our Do It Today plan will have you taking another step on your journey toward living a debt-free life.

 

Woman on Computer

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6 Mistakes People Make In Their 20s And How To Fix Them1/31/2019

Like many people, you may have blown through your 20s making financial decisions that served you well in the moment, but may not have been particularly responsible. Dinner out several times a week, credit card bills you barely looked at and luxury cars way beyond your budget—life was practically a party!   

But now, the party’s over. You’ve woken up in your 30s and realized that all that overspending is going to cost you big—and it’s going to cost for years to come. 

Luckily, there’s hope. It’s not too late to fix the financial mistakes we all make when we’re young and blissfully ignorant. 

Here are six of the most common mistakes people make in their 20s and how to fix them: 

Woman with Credit Card

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Relax & Cook: Peanut Chicken Satay With Ginger Vinaigrette1/24/2019

How about something different for tonight’s dinner that’s still easy on the budget?

Chicken Satey

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STARTING OFF THE NEW YEAR RIGHT - FINANCIALLY1/21/2019

CONSIDER THIS: A Gallup poll found only about 1/3 of Americans (32 percent) maintain a household budget. Without a budget, it is easy to overspend, waste money, and get into debt.

So, what steps can you take to create a successful budget? Preparation is key. Most of us plan trips, weekend activities, work projects—so why should we handle our money any differently?

Here are some tips to creating and sticking to a budget:

Dollarsign in a booklet

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All You Need To Know About Wage Garnishment1/17/2019

Q: I have several outstanding debts and I’m starting to worry about wage garnishment. What do I need to know? Is there any way I can protect myself if my wages get garnished?

A: Wage garnishment is the process in which funds are deducted from a person’s salary to pay for their outstanding debts.

If you owe lots of money, don’t panic; you can prevent a wage garnishment by working out a manageable payment plan with those you owe money to (your creditors). In the event that your wages are garnished, there are steps you can take to reverse the process.

Read on to have all your questions about wage garnishment answered.

Man looking worried

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Is Life Really Getting More Expensive?1/10/2019

If you feel like the middle-class squeeze is getting tighter each year, you’re not alone. The numbers don’t lie: Life really is a lot more expensive than it used to be. 

As we bid farewell to 2018 and sail into a new year, let’s take a look at what life costs like now compared to 20, 50 and 80 years ago. 

Elderly Couple with toddler

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Understanding Identity Theft and How to Avoid It1/4/2019

In the digital age, you are always at risk for facing threats of identity theft. Identity theft is when someone misuses your personal information, such as your identity, social security number, name, etc., in a way that is fraudulent. People who participate in identity theft are constantly seeking out new ways to exploit personal information. It is a crime and it can be very stressful to be a victim.

Identity theft is a growing business for criminals and there are many different ways for your identity to be stolen.

Masked man on laptop

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6 Ways To Earn Money Online1/3/2019

Are you looking for some extra cash to jumpstart your savings? Desperate to stop living paycheck to paycheck? Want to make 2019 the year you finally get debt-free? 

Look no further than your computer screen! With nothing but internet access and a modest investment of your time, you can give your budget that extra padding it needs and get a head start on saving for a larger goal. 

Read on for six easy ways to earn money online. 

Woman unpacking a box

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NEW YEAR'S RESOLUTIONS YOU CAN ACTUALLY KEEP1/2/2019

Happy New Year!

Have you made any New Year's Resolutions for the new year yet? Are you maybe trying to improve your financial situation? Have no fear, Eagle is here to assist you. Download our FREE financial resolutions workbook here and use it as a guide to make this year a successful one!

Fireworks

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PROJECT 333: ARE YOU UP FOR THE CHALLENGE?12/20/2018

Minimalism is all the rage. Contemporary design and décor is all about a clean, sleek look; straight, simple lines; and the absence of embellishments and cluttery knick-knacks.  You may have already embraced the minimalistic look in your home and workspace. Now, are you ready to take the idea of living with less to a whole new level?

Project 333 is a wardrobe challenge that has been slimming down closets around the world since 2010. The concept behind the challenge is to choose 33 items of clothing to wear exclusively for the next 3 months. Since its inception, Project 333 has attracted thousands of followers and a large, active community of supporters. Participants boast about a smoother morning routine, lots of extra time, and an increased sense of happiness and calmness thanks to their super-skinny wardrobes. And, of course, since shopping for new clothing is off their radar, they save loads of money during the 3 months of Project 333, too.

Are you up for the challenge?

Well then, let’s get started!

Cleaning Up

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SYNCING YOUR PHONE TO YOUR CAR CAN PUT YOU AT RISK12/13/2018

In our uber-connected world, pressing a button on the steering wheel to make a phone call is already second nature for many of us. With just a few taps, we can pull up our favorite playlist, read recent emails and even send a text message. Using our cars like a phone and storing information in data systems is incredibly convenient! And it helps us safely drive while using the phone hands-free, too.

Convenient though it may be, security experts are warning that syncing your phone to your car can put you at severe risk for a data breach. Connecting a rental car or a rideshare vehicle to your phone poses an even greater security risk.

Keep your information safe and avoid getting hacked by educating yourself about this oft-overlooked risk. Here’s what you need to know about the dangers of syncing your phone to your car.

Sync Phone

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ALL YOU NEED TO KNOW ABOUT OPEN ENROLLMENT 201912/6/2018

Open enrollment is here, so it’s time to think about your healthcare coverage. 

Practically, open enrollment is the only time of year, outside qualifying life event changes, when you can choose or change a healthcare plan. In reality, this often means stressing over your options and muddling through a confusing mass of various plans. 

No worries, though; we’ve made it simple by answering the most commonly asked questions about open enrollment 2019. 

Open Enrollment

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10 RESTAURANT HACKS11/29/2018

Americans love eating out. According to the USDA’s food expenditure data, millennials spend more than 44% of their food budget on this meal option. In addition, other data proves that Americans spend a lot more on restaurants and bars ($54.86 billion) than they do on their groceries ($52.5 billion).

We Americans really like our restaurants! Who can say no to delicious food that’s served and prepared for you by someone else? And best of all, there’s no crusty dishes waiting for you to scrub at the end of the meal!

Dining out with family and friends is a wonderful experience, but it can take a huge bite out of your budget. No worries—we’re not going to try convincing you to give up your favorite fast food joint or Thai restaurant. Instead, use our hacks to bring your bill down and continue enjoying meals at your favorite eateries. 

Waitress

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5 SCAMS TO AVOID THIS BLACK FRIDAY11/22/2018

Black Friday and Cyber Monday can be great fun – but they can also put you at great risk. Scams abound on the weekend that heralds the holiday shopping season, and you don’t want a phishing scheme or a bogus bargain to turn you into a Grinch. 

Here are 5 scams to look out for as you brave the frenzied crowds while trying to snag the best deals after Thanksgiving.  

BlackFriday Sale

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8 REASONS TO SHOP LOCAL ON SMALL BUSINESS SATURDAY11/15/2018

Mega e-tailers, like Amazon and Walmart, may monopolize online commerce, but it’s the small businesses across the country that keep the economy going. In fact, according to the Small Business Administration (SBA), the 28 million small businesses in America account for 54 percent of all sales in the country. Small businesses create jobs, build a demand for locally made products and keep communities thriving. 

Your local small businesses are part of your community’s landscape. That’s where you rub shoulders with your neighbors, where you catch the latest town news and where you’re always greeted with a warm smile. At a local small business, you’ll be guaranteed superior service and the gratification that comes from knowing you’re supporting the economy in your own community. 

Here at Eagle we strongly believe in supporting the community and helping local businesses flourish. Join us in our important goal by shopping local on Small Business Saturday and throughout the holiday season. 

Here are our top 8 reasons to shop local: 

SmallBusinessowner

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9 Ways To Break Up With Your Phone11/8/2018

Dearest phone, 

It feels like we’ve known each other forever. You’ve been there for me through everything and I can’t imagine life without you. But this relationship has to end. I can’t do this anymore. It’s not you; it’s me. I’m not myself when I’m around you and you turn me into someone I don’t recognize or like. 

I need to move on. But don’t worry; we can still be friends. 

Are you ready to pen this breakup letter to the love of your life? 

You may not think you’re addicted to your phone, but they were created to keep us completely absorbed and captivated. In fact, the average American adult checks their phone every 12 minutes, spending more than 4 hours on their phone daily. For teens and young adults, those numbers are even higher. 

Phone

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Invest In What You Care About11/1/2018

 

Q: I’m looking to make some investments, but I don’t want to compromise my principles. How can I make investment decisions that reflect my values?

A: It’s easy to see people doing bad things in the world. Whether it’s cigarette companies marketing to minors or companies employing cheap overseas labor, corporations are certainly not free from wrongdoing. Investors can quickly get a bad taste in their mouths after researching a company they’re considering.

Fortunately, there are a number of ways investors can use their money for good. If you’re interested in doing good and making good money in the process, read on. Here are three ways to identify investments that match your values.

babyhand

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Skip Pay Special10/31/2018

Skip Pay: Why do we offer this to our members?

If you haven’t already heard about our Skip Pay program, here are the basics: certain Eagle Loans, vehicle and personal loans, are eligible to skip a monthly payment for a one-time fee of $50. This option is available once 12 months of consecutive on-time payments have been made. And starting in November, you can take advantage of our special reduced fee of $25 through year-end.

Read on to find out the benefits of Skip Pay.

Money

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6 Times A Bargain Is Not A Bargain10/25/2018

In the words of writer Franklin Jones, “A bargain is something you don’t need at a price you can’t resist.” And we couldn’t agree more. 

With the biggest spending season of the year looming ahead, it’s time to brush up on your shopping smarts. Don’t get caught springing for something you can’t afford! This year, give yourself the gift of an intact budget and a credit card balance that doesn’t haunt you for months or years to come. 

Here’s when that steal of a deal you can’t wait to show off to your friends is not such a bargain after all. 

Women at flea market

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The Best Pumpkin Patches in So Cal10/12/2018

Did you say “pumpkin patch”? In the midst of October, going to a pumpkin patch is a must-do activity. From navigating through corn mazes, to petting farm animals, to rides, and, of course, to picking the perfect pumpkin to decorate, pumpkin patches are the perfect places for So Cal residents to get a taste of the fall season. Eagle has harvested some of our favorite local patches so you can plan a fun day in the crisp autumn air. Read on to for the best Pumpkin Patches in So Cal.

Pumpkins

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Why Does My Mortgage Lender Need So Much Information?10/11/2018

Q: I’m applying for a mortgage through my credit union and I’m a bit surprised at the amount of information they’re asking for to process my loan. Why do they need to know so much about me to grant me a home loan?

Man contemplating

 

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Weather Apps10/4/2018

The seasons are a’changin’! And that means the weather has gotten more unpredictable in many areas of the country. One day you’re shrugging into your warmest jacket and the next you’re cranking up the AC.

With the weather so unreliable, it’s the perfect time of year to download a reliable weather app. But don’t spend hours researching your options; we’ve already done it for you!

Read on for the inside scoop on the best weather apps on the market.

Weather App

 

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Recovering from a Natural Disaster9/24/2018

 

If you’ve ever read any articles or blogs on how to deal with a natural disaster, you’ll notice one major tip in common: the need to have a disaster plan in place.

So, what should be in a disaster plan? For starters, evacuation routes; shelter ideas; how your family will communicate to each other

 

Tornado on open field

 

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Should I Refinance Before I Retire?9/20/2018

Q: Is it advisable to refinance my mortgage as part of my retirement planning?

A: Refinancing your mortgage can have a big impact on your finances. That’s why it’s important to consider all angles before deciding if a pre-retirement refinance is right for you.

 

Elderly couples sitting at dinner table

 

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Should I Be Concerned About Rising Mortgage Rates?9/20/2018

On June 13th, the Federal Funds Target rate was officially raised by .25%. This increase marks the second time interest rates were raised in 2018 and experts expect another two increases this year. 

The rate increase was prompted by optimistic feelings about the general state of the economy. The Fed pronounced the economy to be rising at a “solid rate” and claimed that inflation rates are close to their target goal of 2%. Most notably, unemployment rates have dropped to just 3.8% in May, 2018, tying with April 2000 for the lowest rate since 1969. 

While this might be good news for the economy, all these indicators point to rising interest rates—and that might not be the best news for current and hopeful homeowners. 

Is it a good time to buy a house? Should you choose an ARM or a fixed-rate mortgage? If you’re a homeowner, should you be taking any action now? 

So many questions—and we’ve got answers! Read on for what you need to know about the rising interest rates and what it all means for you. 

2 people taking notes

 

 

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Don’t Get Caught In A Free Trial Scam!9/13/2018

You know what they say: “If it’s too good to be true, it probably isn’t.” And yet, dozens of people fall for scams that promise them the moon — and they don’t realize they’ve been played until it’s too late.  

Because of this truism, the Federal Trade Commission (FTC) is warning of an uptick in free trial scams. The scams come in several shapes and sizes, but most will look something like this: 

You see an ad from Netflix or a cosmetic company saying you’ve been granted a temporary subscription to their service or product. They say it’s absolutely free. The only catch? There is none. They say that, anyway. That is until you’re asked to pay for hidden fees in addition to shipping and handling at a time when it’s too late to back out. Or, you might be asked to share all of your financial information even though you’re officially not obligated to pay anything. 

In other words, there’s hardly a “free trial” that won’t cost you big. 

 

keyboard button saying "Free Trial"

 

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Bankruptcy is surging for older Americans, but you can avoid it 9/10/2018

The Consumer Bankruptcy Project recently released its newest findings, and the results are scary.

Since 1991, the rate of people 65 and older filing for bankruptcy has increased 200 – 300 percent. The reasons include declining wages, increased debt, and more out-of-pocket healthcare costs, among other things.

While you may not be able to protect yourself against every factor leading to bankruptcy in your twilight years, don’t panic just yet. There are certain things you can do to keep a handle on your finances.

Old Man
 

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What Can I Do About Robocalls?9/6/2018

Are you sick of grabbing your ringing phone five times a day only to find yet another robocaller on the other end?

If robocalls are getting to you, you’re not alone. Those super-annoying automatic calls have recently exploded, and it’s enough to make anyone go bonkers. More than 30 billion robocalls were made in the United States in 2017, and the Federal Trade Commission answered a whopping 375,000 complaints about robocalls each month.

Unfortunately, those numbers are only rising.

If you feel like your phone is ringing off the hook from robocalls and you’re just about ready to throw it against the wall, read on. We’ll give you the inside scoop on these dreaded calls and show you what you can do to put a stop to them once and for all.

 

Man holdng cell phone

 

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What’s The Best Way To Finance A Home Renovation?8/30/2018

Q: I’m doing some home renovations this summer and I’m not sure how to finance this expense. There are so many loan options, but which one makes the most sense? 

A: Whether you’re gutting your entire kitchen or turning your basement into a home theater, we’ve got you covered! As an Eagle Community Credit Union member, you have several choices when it comes to funding a home renovation. And we want to help you find the right one for your specific needs. 

First, let’s take a look at some common choices and why they’re not the best idea for financing a home renovation project: 

Couple renovating living room
 

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How Many Credit Cards Should I Own?8/22/2018

The importance of maintaining a good credit score is old news. As you likely know, the higher your score, the more attractive you will be to potential lenders, making larger loans and the best interest rates more accessible. 

Hopefully, you’re working hard at keeping that score high by using your cards and paying your bills on time. You may be wondering, though, if more is better. Should you open a few more and get more available credit? Or, are too many cards a liability to your score?  

Read on for the answers to all your questions. 

Young Man holding 4 Credit Cards
 

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Four actions that can break the payday loan cycle8/17/2018

When you take out payday loans, it’s easy to fall into a trap. While they are convenient, these loans charge exorbitant interest rates. (According to one study, typical interest ran as high as 381 percent APR.)

Pretty soon, you have to take out another loan to pay off the money you owe from the one before it, and so on. But if you’re stuck in the payday loan cycle, you should know that it doesn’t have to be permanent. As an alternative, try these tips to achieve financial relief:

 

Happy Couple
 

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A Treat from Eagle Community CU for you8/1/2018

This new exclusive cash rewards offer is our best one EVER! Now, as a credit union member, you can earn $100 for each new line you activate, up to 3 lines, when you switch to Sprint®.

 

Here’s how it works:

Love My Credit Union Banner

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7 Ways To Spot A Loan Scam7/25/2018

Your credit’s trending in the wrong direction, you’re short on cash and you’re desperate for a loan. You need to get your hands on some cash to help pull you out of this tight spot, and you need to do it – fast! Unfortunately, though, it feels like no reputable institution is willing to grant you a loan.

Hand grabbing money

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5 Ways To Budget For Your Wedding7/20/2018

Q: I’m ready to tie the knot, but I don’t know if I can afford to have a wedding! Between the flowers, gown and venue, it’s thousands and thousands of dollars. How can I cut costs without compromising on my special day?

Man and Woman getting married

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How To Buy A Boat7/13/2018