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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.
Read MoreAs 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:
Read MoreFor 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:
Read MoreWho 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.
Read MoreIndividual 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.
Read MoreBuying 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.
Read MoreThe new year is almost here. Are you ready?
Have you taken any steps to prepare for the financial realities of the coming year?
Here are some tips to get you started.
Read MoreCreating a budget and deciding to stick to it is easy; it’s carrying through on your plan that’s the hard part. For too many people, financial responsibility ends with having good intentions, and real-life gets in the way of all well-laid plans. The discrepancy between what they want and what they do is caused by their failure to spend mindfully. When every indulgence and impulse buy is just a swipe away, it can be super-challenging to rein in that spending instinct – but it is possible. Here’s how to learn the art of mindful spending.
Read MoreYou’ve tracked your spending, created a budget, worked on ridding yourself of debt, and are well on your way to a financially secure life. Now you’re ready for step four, in which you’ll have the money talk with your partner.
Read MoreYou’ve tracked your spending, designed a budget for your monthly expenses, and you’re well to financial wellness. In this next step, you’ll create a plan for paying down your existing debt.
Read MoreNow that you’ve tracked your spending and kept a careful record of where your money goes over a month, you’re ready to move on to the next step of financial wellness: creating a budget.
Read MoreAre you ready to join us on a journey toward financial wellness?
Each month, Members Choice CU will focus on one step of a financial wellness journey. We’ll tackle the topic in detail and help you learn all you need to know about this step. Follow along, and at the end of the series, you’ll have mastered the tools for a life of financial wellness.
Tracking your spending is the first step toward greater financial awareness and, ultimately, toward financial health.
Read MoreOne of the most important things you can teach a child is the value of money and money skills. Try these six activities to teach spending, saving, and investing.
Elder abuse is a shocking but all-too-common problem in this country, and it can take many forms. Some #elderabuse is physical, while other times it’s medical, emotional, or even sexual. Financial and healthcare abuse are also common. If you are a caregiver, seek help if you feel burnout coming. Take a break, practice self-care, and get help from friends and family if you can. If you are the loved one of an older person being cared for by someone else, watch for signs of abuse. Keep an eye on financial statements, legal documents, and healthcare records for any suspicious activity. Through vigilance, care, and understanding, you can help fight this scourge!
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