November 20th, 201743534Everybody knows the big ways to save money around the house these days.
Do away with cable packages in favor for cheaper streaming services like Netflix. Get rid of that old landline (seriously, who even uses those anymore?). And for goodness sake, make sure your cellphone automatically connects to your home’s WiFi so you’re not blowing through your data while you’re laying on the couch browsing Pinterest.
But if you’re not quite Millennial enough to give up your old-school TV experience, don’t worry. There are other more timeless ways to save a little bit of money in your day-to-day life.
Trash talking – In some areas,...
November 20th, 201725126The following post contains advice from Angi Christensen Harben, the Director of Communications for Georgia Credit Union Affiliates. When she was younger, a credit union stepped in and supported Angi’s finances and life. Now, she enjoys supporting credit unions and spreading the financial wisdom she’s gained.
I walked out to the garage and something wasn’t right. There was a pool of water, and it was spreading. I could hear a faint gushing sound and it took a second to sink in.
It was the dreaded busted pipe (insert ominous music here).
It was also freezing. The kind of freezing that turned the water pouring out over my...
November 17th, 201725140The following post contains advice from Angi Christensen Harben, the Director of Communications for Georgia Credit Union Affiliates. When she was younger, a credit union stepped in and supported Angi’s finances and life. Now, she enjoys supporting credit unions and spreading the financial wisdom she’s gained.
There are a lot of theories and pieces of advice out there about buying a new car. What to look for. When to buy. How to finance. Not necessarily in that order.
About three years ago, I bought my first BRAND NEW car. I was looking for something with great mileage, a good safety rating, enough room to tote some stuff home from...
September 18th, 20174898
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September 18th, 201733115An article by Cheat Sheet discusses why Americans aren’t saving money. Not only are Americans not saving money, they’re also going into debt. According to the article, the key to success when it comes to financial health is paying attention to money. Read more below.
Americans are notoriously bad savers. We have such of a hard time saving any money, that when the national savings rate manages to increase, it causes economic concerns. We’re the biggest consumer market in the world. We shop like it’s a sport, eat like kings, and leverage our personal balance sheets so we can live in McMansions and drive the latest fancy cars....
September 18th, 20170114Not everybody knows exactly what makes a credit union unique or why credit unions are such a great choice for consumers. Even with 2.1 million memberships in Georgia, credit unions are still often lumped in with banks in the public consciousness. This is understandable, since credit unions offer services like personal and business accounts, credit cards and loans.
But make no mistake. There are significant differences.
Most of these differences revolve around their structure and purpose. Banks are corporate entities that exist to deliver profits to their shareholders. Credit unions are member-owned, not-for-profit cooperatives. They...
September 18th, 20173672With the holidays approaching, most of us could use a little extra cash. Well, a recent article by CU Insight offers consumers five money saving tips.
In the article, the author mentions the following ways to save a little extra money:
Always carry cash, be kept accountable for spending activities, write down every penny spent, turn down the thermostat to save on the power bill and skip brand names.
September 18th, 201796172What if you could easily reduce expenditures each month to free up room for a vacation or leisure expense?
While not an official term, “budget hacking” means finding money within fixed expenses — and not simply through reduced latte runs and cancelled social outings.
Users of this strategy review their recurring (fixed) expenses and call on companies to reduce their bills, according to an article by Kendal Perez, US NEWS.
One example is a woman who was able to reduce a fixed expense by $141 each month, just by calling up the company and requesting a better rate.
While cutting back on eating out and unnecessary movie...
September 18th, 201767105HPAL Tip of the Week:
Target a non-revolving loan and treat it as priority!
Non-revolving debt, such as a car loan, does not permit you to borrow again while you are paying it down. Watching those loans decrease and eventually disappear will keep you encouraged and motivated. Pick one non-revolving loan, target it as a priority and watch what happens!
You are encouraged to use these weekly tips on your website, social media pages or in other communication with your members to illustrate one more way credit unions help people afford life. If you have a tip you would like to share with the HPAL Listserve, please...
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