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Category Archives: Tips For Managing Finances

Holiday Tips: Get the Top Four Ways to Cut Costs

While the excitement of the holidays and gift-giving season can be a magical time for children, you may face many additional expenses during the last two months of the year. Whether its gifts, food, decorations, the perfect outfit for that holiday party, or airfare to visit family – there’s no denying the holidays can put… (read more)

How to Choose the Right Credit Card for You

Choosing the best credit card for your lifestyle can have a considerable impact on your overall financial health. In an Ohio Credit Union League 2018 consumer survey, 73 percent of respondents stated they use at least one or two credit cards every month. Of those who regularly utilized credit cards, 39 percent carried up to… (read more)

3 Tips When Shopping For A Used Car

Buying a new car is a big deal. There’s a lot to think about: financing, gas mileage, warranty, number of passengers it can fit, and so on. But things get even more complicated when, instead of a new car, it’s a used car you’re shopping for. Going the used car route can be tricky, but… (read more)

Six Ways to Prepare for Retirement

Planning for retirement can be daunting, leaving even the most-prepared individuals feeling anxious. In an Ohio Credit Union League 2018 consumer survey, 92 percent of respondents said they had at least one major financial concern about retirement. A majority of the survey’s respondents, about 74.6 percent, don’t plan to retire from full-time employment in the… (read more)

Using Science To Break Expensive Habits

We are each a walking collection of habits. The things we do define us, and the things we do often, our habits, truly shape our lives. Some habits cost us money, and when it’s a habit that we perform often, that money tends to add up. What Makes a Habit? A habit is essentially made… (read more)

6 Steps To Adult-Level Financing

It’s a good thing we learned about things like rhombuses, isosceles triangles, and covalent bonds in high school, right? We tend to use this knowledge on a daily basis and it often saves our lives. Without courses that covered this stuff we would have had to learn useless things like how to be financially stable,… (read more)

Why Healthy Relationships Require Financial Communication

Everyone knows communication is key to a happy marriage. Couples love talking about their future together and exciting vacation plans but avoid tough conversations like finances. In fact, 91 percent of Americans said they actively found reasons to avoid discussing money with their partners, according to an American Express Spending and Saving Tracker poll. Even… (read more)

The Realities of Paying Off Student Loans

College graduates in Ohio are entering the workforce with high hopes, bright futures, and plenty of student loans. The average annual cost of tuition in Ohio was $14,804 for the 2016-2017 academic year, according to CollegeCalc. That’s $1,218 higher than the U.S. average and ranks Ohio as the 20th most-expensive state or district in which… (read more)

Car Ownership vs. Ridesharing

Ridesharing or owning a car. Transportation accounts for 17% of an average American’s spending. This is inconsistent with what financial counselors typically recommend, which is to limit transportation costs to 15% of one’s income, max. And it’s only getting worse! In 2016, the average monthly payment on a new car surpassed $500 per month for… (read more)

Do You and Your Money Care About the Same Things?

As the old adage goes “Actions speak louder than words.” On the topic in question, it is fair to say spending is an action that implies values. Which explains why the nature of finances can be so personal, and challenge us to ask the question, what do we value? Is it: Family? Friends? Health? Happiness?… (read more)

Your savings insured up to $250,000 per account. Not Federally insured.

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