Last year challenged us to protect our health, job and financial well-being. Although things are looking up, life will always have bumps in the road. Here are some tips to get back to basics and improve your financial picture.
debt
Demystifying Your Credit Score
These three little numbers can mean getting the best interest rates on loans, credit cards, insurance, buying a car or house, or even landing a job. The higher your score, the lower rates you’ll enjoy, and vice versa. But if you have questions about how your credit score is determined, or why you have more than one, you’re not alone. Here are answers to some common questions.
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A Member’s Financial Journey – Sheela H. (Videos)
Although Sheela’s credit score was at an all-time low due to circumstances beyond her control, the Credit Union looked beyond that drop in her score and saw a Member worth taking a chance on. See her remarkable journey from financial crisis to financial freedom.
Five Tips to Get Out of Debt
Content Provided Courtesy of Greenpath Financial Wellness
If you made a New Year’s Resolution to get out of debt, today’s a big day. By mid-January, most resolutions have fizzled.
But — YOU can say, NOT TODAY. If you feel yourself slipping, take a minute for a pep talk, remind yourself that you can do this, and check out our post on goals that stick. Retool that resolution, and get back on the bandwagon, friend. Continue reading
Happy Holidays: 6 Tips to Avoid a Debt Sinkhole
The holiday season brings with it giving, travel, family gatherings – and if you’re not careful – unwanted debt. Here are six tips to make the season stay bright in your memory, free of regrets.
Take Some R&R With No Regrets
Even if money’s tight, there are creative ways you can relax and have fun. Here’s how.
3 Quick Ways to Cut Debt
It’s easy to accumulate debt without realizing it. If you’re paying high interest rates on your credit cards or loans, consider these options to pay off your debt faster.
How to Use 0% APR Credit Card Offers to Your Advantage
By Lynnette Khalfani-Cox, The Money Coach®
I remember back in 2001 when I had a ton of debt; I’m talking $100,000 in credit card bills alone. I know it sounds awful, and it was. However, in my late 20s and early 30s, I was a classic over-spender who’d been mismanaging credit even though I didn’t realize it.
Why Most Adults Need a Credit Card
A quick tip from Lynnette Khalfani-Cox, The Money Coach®
With so many Americans getting into debt, or maxing out their credit cards, you may have asked yourself: Why should I have a credit card at all?
It’s a Money Thing: How to Overcome ‘Credit Card Shyness’
News outlets and credit card companies are quick to label millennials as being credit card-shy. According to a recent survey, millennials apparently fear their credit card debt more than climate change, the threat of war and even death. It may sound like an overreaction, but the underlying trend is substantial: millennials are carrying fewer cards and have lower balances, compared to the previous generation of young adults.
