9 Tips for Sticking to a Holiday Budget

Life and Money

Holiday budgeting takes time and discipline but the payoff is well worth it. “Think of a budget as a financial GPS,” says Cate Williams, national spokeswoman for Money Management International. Drawing up a soup-to-nuts budget helps safeguard cash, without quenching the holiday spirit: “It makes us a cheerful giver because we’re not spending money that should go to another expense,” …

The Equifax Breach And What To Do Next

Financial Self Defense

In the recent Equifax breach, an estimated 143 million Americans may have had their personal information exposed.  As the situation develops, there seems to be many more questions than answers. So what should you do in the meantime? 1.) Are you a part of the breach? If you have any type of credit product such as a credit card, mortgage …

7 Common Life Insurance Myths Debunked

Life and Money

Having sufficient life insurance is important. And yet, so many of us buy into popular misconceptions, convincing ourselves we don’t need to bother purchasing a policy. But don’t be fooled. Read on to see how seven of the most widespread life insurance myths are easily debunked. Myth #1: I’m single and I have no dependents. I don’t need life insurance. …

NWO Credit Unions Join the Hurricane Harvey Bucket Brigade

DCU Member News & Info

Directions has joined fellow Northwest Ohio Credit Unions in partnering with Impact With Hope to collect donations to send food and supplies to the victims of hurricane Harvey. All our Toledo Branches will be drop off locations for our members who would like to donate to the Bucket Brigade now until September 30th, 2017. How You Can Help: Choose a …

Feeling Stuck In Your Car Loan? Might Be Time To Shop Around!

For the Road

Some bills can’t be changed. For other bills, though, a little legwork can make a big difference in your monthly payment. Your car payment is a great example. Refinancing your vehicle loan can lead to a lower monthly payment, a shorter payment term or both. It depends on various factors, including the value of your vehicle, how much you owe …

Back-To-School Savings

That Makes Cents

Back to School Savings

Back-to-school time is the second largest shopping season of the year. If all that spending makes your head pound, take heart. We’ll help you navigate it with your budget and sanity intact. Read on for 12 back-to-school saving tips. 1.) Do a house-wide sweep Before you spend a penny, scour your closets and drawers to see what you have lying …

Plan The Family Vacation – Together!

Life and Money

Plan the family vacation together!

Planning the family vacation can be quite a challenge. This is especially true when you’re trying to fit in the best attractions and give your kids the vacation of a lifetime while staying within a budget. How can you accomplish all that and still keep your kids happy? The solution is simple, yet brilliant: Let your kids be a part …

Discussing Risk Management With Your Spouse

Life and Money

Discussing risk management with your spouse.

One of the most difficult issues for couples to resolve is how much risk they’re willing to take with their investments. According to Fidelity’s 2015 Couples Retirement Study, 47% of couples disagree about how much money they’ll need to maintain their lifestyle in their later years. Here are some tips to guide you on the road toward joint investment: 1.) …

6 Ways To Save On Your Summer Vacation

Life and Money

The open road is calling and your dream vacation awaits! But first, you need to work out the financial details. How are you going to pay for your getaway? Ideally, a plump vacation fund is the way to go. Unfortunately, though, many of us don’t think about how we’re going to pay for vacation until it’s a few weeks away. …