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Perspectives, Financial and Otherwise,
from SCU Credit Union

3/15/2024 | Finances

HELOCs Explained – What is a HELOC

A HELOC is a powerful financial tool, but it's vital to understand the terms and use it responsibly.

3/14/2024 | Finances

LTV Why is it Important - HELOCs Explained

Loan-to-value (LTV) is the percentage of a home's value that is financed by a mortgage, including a home equity line of credit (HELOC).

3/14/2024 | Education

What is a Draw Period - HELOCs Explained

Understanding Draw Period of a Home Equity Line of Credit, or HELOC, will help you know if a HELOC is right for you.

3/13/2024 | Finances

Mass Save Rebates Being Phased Out - April 30th Deadline

Massachusetts is getting serious about sustainability! Seize the opportunity to upgrade to energy-efficient solutions, maximize your savings, and contribute to the collective effort in combating climate change.

3/13/2024 | Finances

How to Negotiate When You Buy a Car

Negotiating with a car dealer can feel intimidating, but with some preparation and the right tactics, you can save money on your car purchase.

3/12/2024 | Finances

Understanding Savings Accounts

Rising interest rates have given savers a real opportunity to see their savings grow.

3/11/2024 | Education

Interest Only Payments - HELOCs Explained

With a Home Equity Line of Credit (HELOC), it's important to understand the difference between interest-only payments and principal and interest payments.

3/8/2024 | Finances

5 Questions Your Auto Dealer Hopes You Can't Answer

Let’s go through some of the more challenging parts of automotive financing.

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2/23/2024 | Finances

Lower Heating and Cooling Bills with a Mass Save® Heat Loan

The Mass Save® Heat Loan program presents residents with 0% interest loans, making it substantially easier to manage the upfront costs of energy-efficient upgrades. Imagine being able to enhance your home's comfort and value, all while keeping your savings intact.

2/20/2024 | Finances

Understanding money market accounts: How you can earn more on your savings

A money market account can be a great way to earn more interest on your savings without being tied down to a long-term investment.

2/20/2024 | Finances

Lower Payments or a Shorter Term - Why You May Want to Refinance Your Car

Refinancing your car loan can often be a smart financial move, potentially saving you money. Here's why you should consider it.

2/15/2024 | Finances

Your Debit Card Earns Rewards on Every Purchase with uChoose Rewards®!

Earning points using your SCU Credit Union Debit Mastercard® is easy... and redeeming the points you earn is fun. With uChoose Rewards®, whether you're filling up the tank, making the weekly grocery run, or shopping online, every time you use your Debit Mastercard® adds valuable points.

2/14/2024 | Education

Make the right mortgage moves with SCU Credit Union

When you get your mortgage from us, you’ll always know where to go with questions. That’s because we service every home loan we make. Whether you’re making a payment or asking a question, you’ll work with the same friendly team throughout your loan.

2/14/2024 | Finances

First-Time Homebuyers: Don't Be Overwhelmed, Be Prepared

When is the best time to buy a home? Whenever you are ready. Whether home prices are rising or dropping, supplies are tight or plentiful, you can be a successful house hunter.

1/24/2024 | Finances

A Guide to Budgeting with SCU's Money Management Tools

By integrating technology with financial expertise, SCU Credit Union is helping individuals plan for a brighter and more secure financial future with robust budgeting tools.

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1/23/2024 | Finances

CDs versus Share Certificates, is there a difference?

Are you confused about the differences of share certificates and Certificates of Deposit? Our latest blog entry highlights the differences between the two, and how SCU will help keep your money safe and insured.

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1/19/2024 | Finances

Your Complete Guide to "Santa Shock" Budget Recovery

As the credit card bills from the holiday season begin to arrive, many of us experience a phenomenon known as "Santa shock." Its primary symptoms include the aftermath of a disorganized household and disrupted daily schedules, coupled with the looming presence of credit card statements revealing the ghosts of past purchases. Learn how to bounce back by reading our guide to Santa Shock Recovery on our latest blog post.

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1/19/2024 | Finances

Debt Consolidation: Build a Plan, Choose Your Strategy

Struggling with debt? You're not alone. Building a plan and choosing a strategy are the first steps to ditching debt and building a brighter financial future.

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9/7/2023 | Education

What Do I Need to Know About the Recent Student Loan Changes?

With student loan payments set to resume in October, you're probably wondering what you need to know. Our latest blog post addresses your questions and provides essential information on dates, helpful links, and crucial next steps to take.

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8/15/2023 | Finances

The Benefits of Creating a Monthly Budget

From reducing stress and debt to enhancing savings and fostering smarter spending habits, embracing a monthly budget empowers you to take control of your finances and pave the way to lasting financial freedom. Our latest blog posts highlights eight benefits to creating a monthly budget to help shape your financial future.

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7/31/2023 | Education

Should I Make A Credit Card Balance Transfer?

When used responsibly, credit cards offer convenience, security, and numerous financial benefits. However, if not managed carefully, they can lead to a cycle of high-interest debt. For individuals facing mounting credit card debt and struggling with high interest rates, a credit card balance transfer can be a game-changer. In this blog post, we'll explore the benefits of credit card balance transfers and how they can help you regain control of your finances.

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5/23/2023 | Finances

How To Recognize and Protect Yourself From Scams

If it sometimes seems like #scams are everywhere, it’s because they are! 

Read on to learn all of our tips on how to recognize and protect yourself from scams.

5/10/2023 | Finances

Money and Mental Health

A recent study found that finances were one of the most frequently cited causes for stress and anxiety. Take a look at how improving financial stability can help improve mental health and lead to peace of mind and improved relationships on our latest blog post.

4/6/2023 | Finances

Is Your Tax Refund Too Large?

While it may seem exciting to get a refund check from the government, getting a tax refund essentially means you've been providing the government an interest-free loan throughout the year, and now they're paying it back to you. Our latest blog explains why getting a big refund isn't "free money" and how you can lower your refund next year.

1/24/2023 | Finances

How to Budget in Times of Inflation

Inflation levels are steadily increasing, which makes budgeting and saving even more difficult. Our latest blog post highlights some simples ways you can help minimize the effects of inflation on your personal budget.

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12/2/2022 | Finances

How Can I Save on Holiday Shopping?

Does inflation have you feeling like a Scrooge this year? You don’t have to let your holidays be ruined by price spikes. We can help you get the best deals!

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11/9/2022 | Finances

How to Build and Maintain an Excellent Credit Score

Maintaining a good credit score is a crucial part of your financial health. Our latest blog post covers the steps to raising your credit score by keeping credit cards open and active, paying bills on time, and keeping credit utilization low.

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10/19/2022 | Finances

Knowing When and How to Indulge

Being on a path toward financial wellness doesn't mean that you have to live a life free of any indulgences. Knowing when and how to indulge yourself is vital to living a life that is both fulfilling and financially rewarding. 

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10/14/2022 | Finances

My House Skyrocketed in Value. Now What?

You have likely seen the value of your home increase in value recently, but what does this mean for you? Whether you plan on moving or using your home's equity, our latest blog post will help you prepare.

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9/8/2022 | Finances

Financial Lessons You Can Learn from Fantasy Football

Football season is almost here! If you're like many Americans, you may have a fantasy football team that you manage throughout the season. But did you know that there are many strategies that cross over from managing a fantasy football team to managing your finances? Our latest blog post features helpful tips that will keep your money growing and keep your fantasy team at the top of the standings!

8/30/2022 | Finances

Back to School Shopping Hacks

With school starting back up very soon, back-to-school shopping is in full swing. Here are some tips to stock up on supplies and back to school gear while also saving money!

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8/19/2022 | Finances

Should I Keep Cash at Home?

In times of economic uncertainty, the question arises of if and how much money should be kept at home. We cover the answer to this question, and some good places to keep your money on our latest blog.

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7/26/2022 | Finances

How to Pay Yourself First

One of the most important steps to financial wellness is "paying yourself first", making sure to set aside money for the future before covering any other expenses. This simple concept allows you to set money side for emergency funds, while also planning for short-term and long-term savings goals. Our latest blog post covers budgeting your spending, planning for an emergency, automating your savings, and more.

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3/30/2022 | Finances

Beware of Debt Relief Scams

It’s tempting to think there’s a company out there that can get you instant debt relief or rapidly fix your credit score, but it’s just not possible. There are many scams that will try to take advantage of people by offering claims such as these to people who are in dire financial situations.

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3/22/2022 | Finances

Five Steps to Eliminating Debt

Paying off your debt can seem like an uphill battle, but by changing your mindset, the process can seem a lot less intimidating. We’ve outlined five steps you can take to eliminate your debt once and for all.

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3/16/2022 | Finances

6 Ways to Boost Your Credit Score

Having a good credit score is one of the most important pieces to buying a car, getting an affordable loan, or even getting a new credit card. But how do you improve or maintain your score? Our latest blog will provide you with important tips.

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3/10/2022 | Finances

How to Deal with Rising Gas Prices

Gas prices are at a historic high, and there's no way of knowing when they'll come back down. But we put together a list of some helpful tips to minimize the impact on your wallet!

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2/23/2022 | Education

Steps to Financial Wellness: Creating a Budget

A well-designed budget can provide you with a sense of financial security and freedom. But sticking to a budget can be easier said than done. Check out these helpful tips and tricks to setting a monthly budget.

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2/3/2022 | Finances

Simple Tips for Saving on Heating Costs

Winter temperatures may be driving your heating costs up, but we have some helpful tips to save you money! Check out our latest blog post to find out more.

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1/27/2022 | Finances

Leaving Your Job? Make Sure Your Wallet is Ready

It may seem like everyone around you is taking part in the "Great Job Resignation" and you’re thinking about doing the same. But be sure you’re ready for the move!

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1/21/2022 | Finances

The Beginner’s Guide to Credit Cards

Sometimes it seems like the world revolves around credit cards, so knowing how to use them right and protect your credit score is really important. We can help you learn how! 

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1/19/2022 | Finances

Beware Tax Filing Scams

You know that tax preparer offering you double the refund for half the fee? It’s quite likely a scam. We’ll teach you how to spot tax preparer scams, and what to do if you fall for one!

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1/11/2022 | Finances

10 Tips for ATM Safety

Winter’s darkness provides extra opportunity for theft and fraud at ATMs. Use our list of tips to protect yourself and your money while you’re doing business at our machines!

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12/9/2021 | Finances

Beware Cryptocurrency Scams

Scammers change with the times, and now a lot of them are using cryptocurrency to pull off their crimes. Learn how to spot the scams and guard your money!

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11/30/2021 | Finances

All You Need to Know About Multifactor Authentication

A hacker may be able to steal your password, but nowhere outside spy films do they get your retina scan, fingerprint or face. Learn why we use Multifactor Authentication for online and mobile banking.

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11/18/2021 | Finances

4 Scams to Watch Out for This Black Friday

Thanks to supply chain issues, Black Friday will be a little different this year, but the scammers will still be around every corner. Find out how to spot them and steer clear!

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11/10/2021 | Finances

What to Expect for Holiday Shopping 2021

If you wait until Black Friday to start your holiday shopping this year, you may be out of luck. Find out why the best time to start ticking items off your list is right now!

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9/21/2021 | Finances

Needs Vs. Wants: How to Tell the Difference

When you lay out your monthly budget, one of the biggest tasks is to separate needs from wants. It can be tough for some things! Fortunately, we’ve got plenty of tips to help you.

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9/16/2021 | Finances

Why You Need to Be Financially Fit

Did you get some exercise today? How about working out with your money habits? You need to get yourself financially fit just as much as physically, and we can help!

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8/26/2021 | Finances

How to Save on Wedding Costs

When it comes to your wedding, of course you want the best of everything...but are you willing to pay for it? 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.

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8/16/2021 | Finances

Six Reasons to Switch to eStatements

Ever open your mailbox and feel like it’s exploding all over you? If you get buried by the deluge of bills, correspondence, bulk mail and ads every month and worry about losing something really important, like your bank statement, it’s time to try eStatements!

7/13/2021 | Finances

Don’t Get Caught in an Auto Warranty Scam

It’s another call about your car’s warranty expiring offering to extend it or sell you some other warranty-type service. How can you tell if it’s a scam? We’ve got all the info you need! 

Read more!

7/8/2021 | Finances

Scam Alert: Beware Child Tax Credit Scams

Checks are about to go out for the Child Tax Credit, and of course, the scent of government money is drawing scammers like flies. We’ve got tips to help you stay safe!

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5/3/2021 | Finances

How to Adult: Personal Finance for the Real World

Have you read Jake Cousineau's How to Adult: Personal Finance for the Real World? Learn more about the topics Cousineau covers in his new book!

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4/22/2021 | Finances

5 Discounts for Older Adults You May Not Know About

You might have grown up seeing your parents and grandparents getting a senior discount, and now it’s your turn. Before you open your wallet for anything, check for a senior discount!

Read on to learn more

4/19/2021 | Finances

4 Reasons To Get Pre-Approved for a Loan

Are you in the market for a large loan-dependent purchase like a new home or a new set of wheels? Don’t forget to get your pre-approval first!

Read on to learn why

3/25/2021 | Finances

5 Reasons We Overspend (and How to Overcome Them)

It’s happened to all of us: We get into a shopping frenzy for one reason or another and the next thing we know, our budget is blown. Why do we overspend, and how can we fight the urge?

Read on to learn what you do can help you fight the urge.

3/4/2021 | Finances

Your Complete Guide to Using Your Credit Cards

Don’t let your credit cards become a hassle! You can build a great credit score and enjoy rewards cards without diving deeply into debt.

Read on to learn more!

2/23/2021 | Finances

What are the Advantages of a HELOC?

You might be living in your best source of funding for anything from home improvement to debt consolidation or anything else! A home equity line of credit, or HELOC, lets you borrow against the equity you have in your home.

Read on to see why a HELOC from SCU Credit Union just might be your best choice.

2/9/2021 | Finances

Save Money When Shopping Online

Online shopping was already huge, but the pandemic has made it the only way a lot of us shop anymore. We can show you how to save the most money on your purchases!

Read on to learn tricks to help you save!

1/4/2021 | Finances

The Importance of Being Financially Fit

It’s time to check your financial fitness! There’s a lot that goes into this money workout, but you’ll appreciate the new you in the end! We’ve got all you need to do laid out!

Read on to work those money muscles!

12/29/2020 | Finances

How Can I Use a Job Loss as a Stepping Stone for Growth?

If you’re facing job loss, either because of the pandemic or some other reason, it doesn’t have to be the end of the world. This is a great time to step back, consider the career goals you had in the past, and see where you need to be to get there.

Read on to learn how to figure out your dream job and see what you need to make it real!

1/20/2020 | Finances

How To Dispute An Error On Your Credit Card Report

Sometimes you may find an error in your credit card report. It might be a sharp decline in your score when you know you haven’t changed your spending or bill-paying habits, a large transaction you’re sure you’ve never made or an unfamiliar line of credit. While it can be disconcerting to find a mistake in your credit report, the good news is you can contest errors like these and fix your score.

Read on to learn all of our tips on how to dispute an error on your credit card report:

9/16/2019 | Education

A Guide to Opening Your First Credit Card

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!

Read on to get our guide and all of our do's and don'ts for opening a credit card.

9/9/2019 | Education

Your Complete Guide to Identity Theft Protection

Are you worried about #identitytheft? If you’re not, you should be! Millions of people fall victim every year, but you can stay safer with some simple steps. We’ve got a list of simple steps you can take to keep yourself out of the thieves’ crosshairs!

Read on for all of our tips on how to avoid identity theft.

9/2/2019 | Education

5 Must-Have Gadgets For Students

You’ve already got your laptop, tablet and, of course, your smartphone. What more can you need for school? Check out our list of 5 super-convenient gadgets that every student should know about.

Read on for our full list!

8/19/2019 | Education

11 Ways To Save On Back-To-School Shopping

Don’t drop your sunblock, but it’s almost #backtoschool time again! You don’t need to spend yourself into debt just because everyone else seems to be doing it. Instead, take a proactive, mindful approach when shopping for the new school year and spend hundreds less than the national average. Let Sharon Credit Union show you how!

Read on to learn all of our hacks on how tou can save on back-to-school shopping.

8/12/2019 | Education

10 Things You Can Do to Avoid Fraud

If you spot a scam, tell someone and then tell the FTC. Your reports help the FTC and other law enforcement investigate scams and bring crooks to justice. Sharon Credit Union came up with 10 things you can do to avoid fraud and recognize situations in which you are a target to scammers so that you can be better prepared to report fraud.

Read on to discover the 10 things you can do to avoid fraud and learn about how you can catch and prevent fraud attempts.

8/5/2019 | Education

9 Ways For Kids to Make Money

The best way to teach a child financial responsibility is by encouraging them to earn and manage money on her own. As August begins and kids get bored, there are many opportunities for them to pull in some extra money.

Read on to learn all of the ways kids can make some extra money this summer.

7/29/2019 | Education

12 Things To Do Before Your Summer Getaway

We’ve got a list of hints and tips that will save you time, money and most importantly aggravation before, during and after your getaway! Whatever your plans, here’s a list of things to take care of before you leave

Read on to see our whole pre-vacation checklist!

7/22/2019 | Education

7 Steps To A Mid-Year Financial Checkup

It's time for a mid-year financial checkup! Take a look at your monthly budget and see if it needs any adjustments, and try to factor in any large expenditures coming up. Give yourself a financial checkup before the summer gets away from you.

Read on to learn all 7 of our steps to a mid-year financial checkup!

7/15/2019 | Education

3 Ways Your Credit Union Can Help Fund Your Summer Vacation

Is the beach calling? Are the kids carving mouse ears out of soap? It’s vacation time! Let Sharon Credit Union help you make your dream trip a reality!

Read on to find out how Sharon Credit Union can help fund your summer vacation.

7/8/2019 | Education

4 Parking Lot Scams to Look Out for This Summer

So, you watch for #scams on your computer, in your mail and in stores, but have you ever heard of parking lot scams? They’re as old as cars, come in four major guises and are everywhere during the summer.

Read on to make sure that you have the right information to stay safe!



7/1/2019 | Education

6 Ways to Finance a Home Renovation

Home renovations are a great way to make your old house feel new again. Whether it be a renovation just for the sake of change, or a necessary change due to an unexpected emergency, Sharon Credit Union may be able to help. We are suggesting 6 Ways that Sharon Credit Union could finance your home renovations and providing options that are attractive and sutiable to different member needs or financial situations.

Read on to find out how Sharon Credit Union could help finance your home renovations.

6/24/2019 | Education

7 Money Myths You Need to Stop Believing Now

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.                                                           

Read on for 7 money myths that might be causing you more financial stress than benefit.

6/12/2019 | Education

How To Enjoy A Busy Wedding Season Without Going Broke

It’s #wedding season, and all those invites can really drain your wallet if you don’t shop smart! From saving on clothes and gifts to traveling on the cheap, check out our tips!

Read on to find out how you can attend the celebrations without breaking your wallet.

6/11/2019 | Education

6 Ways to Save Money on Gardening Equiptment and Supplies

Want to reconnect with the earth and do some gardening? We’ve got six hacks that will save you big money!

Read on to learn how you can afford the garden of your dreams!

5/23/2019 | Finances

Features You Should Look for in a New Car

Picking out the features you want in a new car can be like picking items off a menu … you want a bit of everything! Fortunately, we’ve gone through the most popular ones to help you pick the most important ones, the fun ones and the ones to skip.

To learn which must have safety features you should seriously consider in your next vehicle and which fun options might be right for you, read on.

4/28/2019 | Finances

7 Signs You're Living Beyond Your Means and How to Fix Them

If you can’t seem to dig out of a financial hole, you might be living beyond your means. But how to tell? Are you saving or are you living without rainy day and emergency funds? Carrying a credit card balance month to month? Do monthly bills create tremendous stress? Do your house and car payments bust your budget? If some or all of these apply to you, read how you can make fixes.

Read more.


3/15/2019 | Finances

5 Ways to Pay Off a Loan Early

If you’re like most of us, you’ve got more debt than you’d like. Want to pay it off early? There are simple tricks you can employ to lighten the load and start paying down what you owe sooner rather than later.

Read on to get started today!

1/18/2019 | Finances

Do You Need a Rainy Day Fund and Emergency Fund?

In an effort to simplify their money, people sometimes consolidate accounts. This is OK in many instances, but it’s important to remember that rainy day funds and emergency funds serve different purposes. Additionally, it’s important to have not just one, but both funds available to tap into as needed. 

Read on for all your questions on rainy day and emergency funds, answered. 

9/19/2018 | Finances

5 Questions About Your Financial Future to Ask Yourself Today

It's important to stay on top of your finances. Here are 5 financial questions to ask yourself. Depending on your answers, they may help motivate you to to get on track!

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9/12/2018 | Finances

8 Reasons to Create a Monthly Budget

Not sure what you’ll gain by budgeting? Here’s a list of the benefits.

  1. You’ll spend less.

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9/12/2018 | Education

All You Need to Know About Buying a Used Car

If you’re in the market for a deal on used wheels, follow the steps below for a smoother ride!

Step 1: Crunch the numbers

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8/21/2018 | Finances

7 Questions to Ask Yourself Before Making a Large Purchase

You’re convinced: You really want that Coach handbag. Or maybe you just know that gigantic entertainment center will transform your weekends. So you swipe your card and the dream item becomes yours. You’re thrilled! 

That is, until a few weeks later when the credit card bill comes, and buyer’s remorse hits. You can’t help wondering: Was it really worth the price? 

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8/21/2018 | Finances

Book Review: Financially Ever After

It’s almost impossible to find two people who have identical approaches toward money management. We all have our own ideas about spending, budgeting and saving. What one person calls being cheap, another calls being frugal, and yet a third will call total deprivation.

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7/10/2018 | Finances

How to Buy a Boat

Get ready to set sail this summer! Read on for the ultimate boat-buying guide. 

Step 1: Choose your boat type

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7/3/2018 | Finances

How to Save For a Boat

Ready to make waves without sinking your budget? Here’s eight simple steps to save up for the boat of your dreams. 

1.) Do your research 

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6/21/2018 | Finances

5 Ways to Budget For Your Wedding

Are you ready to tie the knot, but don’t know if you can afford a wedding? You don’t need to skimp on the wedding of your dreams or go deeply into debt to pay for it. By planning ahead, choosing wisely and prioritizing what’s truly important, you can say “I Do”  without stressing over wedding costs. 

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6/14/2018 | Education

Daily Worth

If you’re a young parent trying to make sense of the stock market in between grocery shopping and PTA meetings, you likely don’t have the time or headspace for the in-depth articles on sites like Investopedia and Bankrate. And yet, mommy-brain notwithstanding, you don’t feel comfortable plunking down your money without first reading up on your investment of choice. 

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6/12/2018 | Finances

Don't Drink Your Wallet Dry

It’s hot out, so make sure you’re drinking up!  

You probably already know water is the best beverage choice for your health and for your money. But did you know bottled water may be costing you a fortune? 

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6/7/2018 | Finances

Your Personal RV Buying Guide

It’s vacation time! Nothing beats a summertime road trip, but long hours in the car can really kill a vacation. That’s the beauty of recreational vehicles. The road IS the destination; anywhere you go, you’ve got luxury-class accommodations!

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6/6/2018 | Finances

4 Ways to Bring Your Dream Kitchen to Life

A kitchen remodel or makeover not only adds value to your home, it will almost feel like you’ve got a new home. Here’s 4 ways to bring your dream kitchen to life. 

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6/4/2018 | Finances

6 Ways to Turn Your Dream Vacation into a Reality

Everyone has their own version of a dream vacation. But, for most of us, it never becomes a reality. Read on for six ways to make that dream vacation come true.

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5/16/2018 | Finances

How to Fund An Emergency

When it comes to financial emergencies, ideally you will have an emergency fund tucked away for this very reason. If you don’t, or the money you have set aside isn’t enough, you have several options to consider. 

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5/2/2018 | Finances

7 Ways to Spring Clean for Extra Cash

When that first delightful spring breeze starts blowing, you know it’s time to get your house in shape.

The warmer weather and the brilliant sunshine pouring through your windows can fill you with boundless energy.

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4/10/2018 | Finances

Beware of Cryptocurrency Hacks

Cryptocurrency is all the rage. Money you can’t see? Online accounts that aren’t regulated by big banks or even the feds? It has a futuristic feel, and anyone and everyone seems to be buying into the trend.

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4/4/2018 | Finances

Rising Interest Rates

If you follow the national business news, you are likely getting mixed messages about the state of the economy. While never very reassuring, pundits’ opinions on the stock market and the country’s economic state are changing as frequently as the weather. 

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4/3/2018 | Education

Teaching Your Kids Saving Smarts

For the responsible adult who thinks about being prepared for the future, savings are a fixed expense that is built into the monthly budget just like car payments and insurance.

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3/15/2018 | Finances

Saving on Home Renovations

Is your home in desperate need of a facelift? As you probably know, renovations don’t come cheap. In fact, the average kitchen remodel tops $60,000 and bathroom overhauls can cost $18,000!

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3/7/2018 | Finances

What Were the Actual 2018 Tax Changes?

What were the exact changes made to the U.S. tax code this year? There was so much talk about the proposed changes to the tax code, and many of the changes signed into law with the official Tax Cuts and Jobs Acts were quite different from those planned.

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2/21/2018 | Finances

How to Talk Money with Your Partner

What happens when you and your partner have different approaches toward money?

It’s a common scenario.

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2/13/2018 | Education

6 Common Tax Mistakes To Avoid

It’s that time of year again! Get ready to break out the calculator and pencils; dig out the enormous pile of receipts, tax forms, and pay stubs, and get to work. Whether you choose to go it alone, use a tax-prep computer program or hand it all over to an accountant, start with checking out our handy list of common mistakes people make on their tax returns.

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1/31/2018 | Education

7 Common Life Insurance Myths Debunked

Many of us let popular misconceptions about life insurance convince us that we don’t need it. Read on to see how seven of the most widespread life insurance myths are easily debunked.

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1/30/2018 | Education

Financial Planning For College: How To Get The Most Out Of The FAFSA

If you’re the parent of a college-bound high school student, you’ve probably already started receiving junk mail with pictures of big, impressive stone facades on the outside and big, appalling price tags on the inside.

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12/27/2017 | Education

Ready, Set, College

It may seem like yesterday when you were sending your child off to preschool. And now you’re preparing him for college!

The process of a child leaving home is a major milestone that is made extra complex because of the emotions it generates.

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11/21/2017 | Finances

The Real deal on the 2018 Tax Changes

The current administration is implementing changes to the U.S. tax code. The administration believes these changes will strengthen the middle class, reinvigorate business and decrease unemployment. Unfortunately, though, most of them will do little, if anything, for the state of the economy.

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11/14/2017 | Education

The iPhone X and Decoy Pricing

Retailers often manipulate our spending habits. For instance, every time you shop, your choices are likely influenced by pricing tactics like BOGO, anchoring and high-end pricing.

And then there’s the tactic favored by Apple: decoy pricing.

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10/23/2017 | Finances

Beware Debt Relief

More than 42 million Americans have student loan debt, with their collective debt topping $1.4 trillion. Unfortunately, these big numbers make student loan debtors excellent targets for scams.

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10/23/2017 | Finances

7 Ways to Save on Thanksgiving Costs

Between your turkey, ingredients for the holiday meal and décor to set the ambiance, hosting a Thanksgiving dinner is not cheap. If you’re looking for ways to cut back without compromising on quality, read on for seven easy ways to save on Thanksgiving costs this year. 

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10/11/2017 | Finances

Updates on the Equifax Breach

It’s been several weeks since the massive Equifax data breach became public knowledge. While there are still more questions than answers, lots of factors have been clarified. Here are some of the most common questions answered so far:

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10/3/2017 | Education

The Dos and Don'ts of Credit Repair

Looking for ways to improve an unfavorable credit score? Look no further! Our handy guide will help you get on the road to improving your score.

Do: Determine your actual credit score

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9/6/2017 | Finances

Dealing With A Financial Setback

If you’re hit with hard times, here are some tips to keep in mind.  

Financial setbacks come in all shapes and sizes. It can be an expensive household repair, a medical emergency, getting laid off or the birth of a baby. Whatever the situation, it’s impossible to plan for every financial hit you will take in your lifetime.

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7/6/2017 | Finances

Deciding Which Bills to Pay First

The following is a guest blog post from our partner, Greenpath Financial Wellness.

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6/26/2017 | Finances

Plan For The Payoff When You Plan Your Student Loans

When your student understands the long-term consequences of accumulating..

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6/22/2017 | Finances

4 Ways To Repay Your Student Loans With Help From Sharon Credit Union

We can help you pay back your loan.

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4/12/2017 | Finances

Your Down Payment On A House

When you think about your down payment, balance is key.

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2/22/2017 | Finances

America Saves Week - Saving For The Future Can Save The Day

The week of February 27 to March 4, 2017, is America Saves Week. 

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1/18/2017 | Finances

3 Tips For Managing Your Debt

Here’s what you can do.

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10/17/2016 | Finances

Personal Loans: The Swiss Army Of National Finance

Sometimes life throws expensive surprises.

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