6 Mistakes People Make In Their 20s And How To Fix Them

Personal Finances

Have the irresponsible financial decisions you’ve made while in your 20s left you with piles of debt and other repercussions? Here are six of the most common mistakes people make while in their 20s and how to fix them: 1.) The mistake: Racking up credit card debt When all of life’s pleasures are just a swipe away, it’s easy to …

Preparing Your Kids For College: The Must Have Money Talk

Student Money Tips

College is a time for kids to take responsibility for their finances. Many college first-year students have had minimal experience dealing with money. Typically they come from living in a parent-controlled world where they have rules, and they know their limits. College offers a sense of freedom that could cause financial problems if not handled correctly. Credit cards and shopping …

How To Get By In An Emergency: Personal Loan Or Credit Card?

Personal Finances

As a credit union member, you have borrowing options. Two popular choices for emergency funding are personal loans and credit cards. Here are several pros and cons to each. 1.) Limits. Credit cards have credit limits in the thousands, enough to cover a small emergency. The value of credit cards is their convenience.  There’s no need for a new loan …

Credit Card Or Debit Card – What’s The Smartest Swipe?

Personal Finances

Most people own at least one debit card and at least one credit card. Although it may not seem like it, there are many differences between the two. Each time you use a credit card, you’re borrowing money. You’ll need to pay that money back to the credit union along with interest. A debit card, on the other hand, simply …