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It's no secret that the IRS excels at making things complicated. And when you're busy learning the ropes of a new job, filling out a 4-page W-4 form can be a huge hassle. It's not a good idea to rush through it because a small mistake now can mean withholding too much or too little of your salary to cover your taxes. Several recent changes to the W-4 have also been made, so you may need to adjust your current form on file.

For the green-thumbed homeowner, there are few things as pleasurable as running fingers through soft, moist earth, catching sight of the first flowering buds of spring, and inhaling the scent of freshly cut grass.

Tending to a lawn and garden can get expensive. Between seeds, fertilizer, and gardening supplies, costs can be high enough to take the pleasure out of lawn care.

Most people own at least one debit card and one credit card. They know they have them but may need help understanding all the differences between credit and debit cards.

Believe it or not, there are many. The most fundamental difference is that you're borrowing money each time you use a credit card. A debit card, on the other hand, simply transfers your own money from your checking account to the vendor you're paying.

Spring is an excellent time to clear your house of accumulated junk and make it sparkle. Why not do the same for your finances? Debris can get there, too. Some of your money matters may need a good wipe-down this season. Whatever your current situation, a thorough spring cleaning for your finances is a responsible move this time of year.

Here are some ways to spring-clean your finances:

Did you know that the cost of the average wedding in the U.S. is $28,000*? Fortunately, it doesn't have to be this way. With careful planning, prioritizing what's important to you and your spouse-to-be, and following some of the cost-cutting tips outlined here, you can have the wedding you desire and your budget.

One of the most essential parts of setting up a monthly budget is separating needs from wants. Before assigning dollar amounts to any categories, knowing which parts of your monthly expenditures are an absolute need and which items would be lovely to include but are not a necessity is necessary. Many people find this particularly challenging and even give up on budgeting when they need help moving past this step.

It's tax season, and that means tax-related scams are rampant. From bogus tax preparers to hacked Social Security numbers, there are many ways your money and information can be hijacked this time of year. Follow these ten tax security tips to help you stay safe and secure during tax season.

Were you thinking of opening an online-only account at the credit union? Weighing the pros and cons of mobile banking will help you decide by reading this article!

We all know we should save more money than we do. Whether we need to pay down debt, build an emergency fund, or save for retirement, we must cut spending and increase our savings. It's the only way to make financial security.

Members Choice Credit Union is pleased to announce the grand opening of its newest branch at Letcher County High Vocational School. The student-run branch will officially open its doors on February 2nd at 10 AM, marking a significant milestone for both the credit union and the school. 

If your business has reached a point where it needs an infusion of funds to grow, you may be in the market for a business loan. A business loan can help a struggling small business establish itself better or help a thriving company expand its line of products, open an additional location, move to a more significant site, hire new team members, or purchase expensive equipment.

Here's all you need to know about applying for a business loan:

Did you know appliances account for approximately 13% of your home’s energy use? Your larger kitchen appliances, combined with your smaller entertainment machines, means your home can have over 10 devices running at any moment. The good news is, you don’t have to completely pull the plug to save on your energy costs. Here’s how to use your appliances more efficiently to reduce energy use and do one for the environment.

It’s so easy to go overboard on Christmas. If you have kids, you want everything to be perfect for them. You want to build priceless memories, so spending any amount seems worth it. Giving extravagant gifts to your family members seems like a great idea … until you’re staring at a huge credit card bill in January.

Check out these four ways to patch up your finances and have things right before summer.

It’s that time of year again. He’s making a list, and he’s checking it twice. Of course, we’re talking about the major credit bureaus! With holiday spending season upon us, it’s time to broach an uncomfortable subject: how to pay for all that joy and goodwill.

Kids these days are growing up with more access to financial products than ever before. From debit cards to mobile apps and specialty accounts, they have so many options when it comes to managing their money. In honor of Youth Month, let’s take a look at why it can be a good idea to open a savings account for your child. 

Checking accounts offer a secure, accessible place to store funds. If you are considering opening a checking account at a bank or credit union, or you already have one, here’s what you need to know about this account’s benefits and how to best manage it.

Credit cards! Can’t live with them, can’t live without them. According to the latest report by the Federal Reserve, there’s a whopping $790 billion in credit card debt in the U.S. On the flip side, though, opening credit cards and managing them responsibly is crucial to establishing your credit history, which impacts your eligibility and rates for large, low-interest loans.

Here’s all you need to know about credit cards.

Personal loans, sometimes called unsecured loans, are loans that allow flexible use, offer short- to moderate-term repayment options and quick funding. Their versatility and convenience make them a popular choice for borrowers of every financial standing. Let’s take a deeper look at personal loans, how they work, and their pros and cons. 

As a credit union member, you can expect to have a much more rewarding and meaningful experience. Because credit unions are member-owned and not-for-profit, they are more attuned to the needs of their members and are not driven by investors or their bottom line.

Let’s take a look at how having your checking account at a credit union differs from using a bank for the same purpose.

As you pay down your first mortgage or the value of your home increases, you develop equity. When you have equity built up in your home, borrowing against it with a home equity loan is a great way to tap into the money you need most. Many people take out a home equity loan to finance home improvements, pay for their child’s college education, cover unforeseen medical costs, and many other purposes.

Here’s all you need to know about home equity loans:

For most people, buying a home is the most significant financial transaction of their lifetime. Therefore, if you’re in the market for a new home, it’s best to learn all you can about home loans and how they work before you get too deep into the process.

Here are some things you may not know about home loans:

Who needs a budget anyway? If you’re always wondering how you’ll pay the next bill, feel guilty when you indulge in overpriced treats, and can’t find money to put into savings, you probably need a budget. A budget is not a magic potion that will automatically solve your money problems but it will help you gain financial awareness. That, in turn, will help facilitate more responsible decisions.

Individual Americans spend hundreds of dollars a year and at least as many hours on keeping themselves physically fit — but too many people neglect their financial health. Just like physical health, being financially fit is crucial to your well-being, future, and quality of life. 

Here’s why being financially fit is important and how to overcome common barriers to achieving financial wellness. 

Buying a home can be a daunting task. The challenges of being a first-time homeowner can be intimidating, particularly for people who are moving away from home. Let’s look at a few guidelines to help take some of the stress out of the decision.