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Financial Basics

Learning how to make sense of your money doesn’t have to be boring. Bite-sized episodes and articles explain the basic (and sometimes not-so-basic) concepts around important financial topics like budgeting, credit, saving, investing, and retirement. Follow Jen on her journey to through the world of personal finance – and meet some funny friends along the way. Because everything is better with cartoons.

 

Choosing Your Financial Institution

Credit unions and banks may offer essentially the same products and services, but there are big differences in the way they operate. Why does that matter to you? Well, those differences can impact the fees you pay, the interest rates you get on your loans and accounts, as well as the help you get to resolve issues or reach your goals.

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Breakdown of a Credit Score

Many people know what a credit score is, but few understand what makes up this mysterious and powerful number. Your score can have a big impact on your life. It can influence whether or not you get a loan for that new car or house you’ve been dreaming of – and it can determine how much that loan will cost you. When we understand what goes into our score, we can have more control over how it impacts our life.

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Foiling Identity Theft

Reports of identity theft increase each year. It costs victims, from all over the world, billions of dollars and countless hours to recover. When you know what identity thieves want and how they’ll try to get it, you can protect yourself and your personal information.

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Boost Your Credit Score

If you’re new to credit or need to rebuild a damaged score, getting a good score can seem complicated and overwhelming. The good news is that it doesn’t have to be. When you get the facts about boosting your credit score, you may find it’s easier than you think.

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Budgeting Basics

If you feel stressed about your finances, creating a budget may sound like the last thing you want to do. Budgeting has gotten a bad reputation for being restrictive and no fun, but the truth is a budget can be your best financial friend. It helps you give each dollar a job so that you can make spending decisions you feel good about, reach your goals, and relieve financial stress.

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Compound Interest Mind Bend

If you feel stressed about your finances, creating a budget may sound like the last thing you want to do. Budgeting has gotten a bad reputation for being restrictive and no fun, but the truth is a budget can be your best financial friend. It helps you give each dollar a job so that you can make spending decisions you feel good about, reach your goals, and relieve financial stress.

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7 Co-operative Principles

Cooperation means working together for a common goal. But what does that have to do with banking? When it comes to credit unions, cooperation is what it’s all about. We are founded on the idea of coming together as a group to help individuals achieve success. Our business runs on seven very important values that allow us to support our account holders and our community.

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Comparing Cards

With so many different ways to pay, it can be hard to know which one is best for you. It’s important to understand the differences between debit, credit, and prepaid debit cards because each have their own benefits and drawbacks. There’s no one-sized-fits-all solution, but a quick comparison can help you clear up any confusion and be confident in your choice.

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Emergency Fund Boot Camp

Everyone faces unexpected expenses from time to time. Maybe you are driving down the road when – thunk! – you hit a pothole and damage your tire, or you face a costly vet bill when a pet gets sick. Creating an emergency fund can give you peace of mind when unexpected expenses arise while helping you avoid debt.

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Leasing vs Buying a Car

Whether to purchase or lease your next car is just one of the many decisions you’ll face when getting a new vehicle. Both options have their benefits. The one that’s right for you will depend on how much you want to spend on a down payment, monthly payments, and how you plan to use your use your vehicle.

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Common Money Beliefs

Even if we don’t realize it, how we think and feel about money can influence how we spend or save. When we know our money personality, we can make better decisions and break bad habits so that we have a better chance of reaching our financial goals.

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Loan Basics

Loans can help us achieve some of our biggest goals in life. They can provide access to possibilities that we can’t afford upfront—possibilities like going to school, buying a home, or starting a business (to name just a few). But before we take on the commitments that come with borrowing money, we need to make sure we understand how to choose the right one.

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Investment Vehicles

Smart investments give us the best chance to reach our long-term goals, like saving for retirement or a child’s education. Unfortunately, for many people, investing can seem complicated and risky. To cut through the confusion, we should start by getting to know the most common ways that we can grow our dollars. That will also help us see how we can use these different investment types to manage risk.

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