Think back on each New Year. Notice anything in common with years past? Maybe you’ve resolved each year to make better nutritional decisions. I will not eat the WHOLE plate of cookies. Or, maybe you’ll take it a step further and throw in a promise to yourself to take your health a little more seriously. My neighbor can get up at 5:00 am for a run before work. Why can’t I?
It seems every time you turn around there’s another item you need—and you needed it, like, yesterday. A replacement water filter for the fridge, new carpet, an extra garage door opener…
So, what do you do? If you can’t visit your favorite retail shop, you’ll probably go to your second best option — online shopping.
Planning. It’s singlehandedly the best thing you can do for your budget. But does your financial outlook include a plan for an unexpected job loss?
√Take Sarah lunch at school.
√Change batteries in remote.
√Pick up kitty litter.
Mail Chad cash for uniforms.
Feeling a bit stressed? Our lives are packed full of random tasks and things we have to remember each day so our days can run a little more smoothly. While we can’t take little Sarah her forgotten lunch (we wish we could!), we can lend a hand in sending Chad the cash for this season’s football uniform.
With so many options on every corner, how do you know which financial institution is right for you? Furthermore, what’s the big deal with ‘credit union vs. bank‘?
The answer is simple–credit unions are owned by their members (those with an account at the credit union) and banks are typically controlled by stock- or shareholders. Additionally, decisions are made on the local level with credit unions by a board of directors with one purpose in mind–to simplify the financial lives of our members.