Aug 162019

Creating a Monthly Household Budget

Posted on August 16, 2019 Uncategorized

  As anyone who lives on their own or with a partner can understand, having a monthly budget in place for your household is imperative for a healthy financial lifestyle. Creating this budget will ensure that your bills will be paid on time, as well as help you assess the funds you have for groceries, prescriptions, or other essentials. It also ensures that you can assess what you have left over after such expenditures, and give you the opportunity to decide how that money is used, whether it’s for a vacation, a bigger purchase, paying off extra debt, or to

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Aug 082019

Back-to-School Season – Shopping Smart

Posted on August 08, 2019 Uncategorized

    Summer is winding down, the days are slowly getting shorter, and if you’re a parent, that means one thing – back-to-school season is upon us. Regardless of whether you prep in advance or if you’re doing most of your shopping right before the first day of school, this time of year is known for a bunch of additional expenses. More schools are requiring parents to provide their children with more expensive supplies, and if you’ve got growing kids, you’re likely going to need to take them clothes and shoe shopping as well.   One of the benefits of

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Aug 082019

Money Tips for College Students and Young Adults

Posted on August 08, 2019 Uncategorized

  As a young adult in the working world for the first time, your first paycheck from your first job is the start of something new. Many young people learn the basics about money as they grow up, whether it’s through earning money through a lemonade stand or in the form of an allowance for doing chores. As you get older and tackle more adult financial tasks, such as paying bills and creating a basic budget, it’s important to continue to learn and hone your financial skills and literacy.   In 2019, we live in a more digitalized world, and

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Jul 222019

Building a Business With a Credit Union

Posted on July 22, 2019 Uncategorized

    The United States is known around the world as the land of opportunity, and in turn, many people use that opportunity to start a small business, and many move to this country with a business in mind as well. About 27 million Americans run or own their own small business, and because of this, loans and financing are in strong demand. Starting out with a loan is the best way to get your business off the ground, and there’s no better financial institution than a credit union like Polam FCU to get approved.   If you already belong

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Jul 192019

How to Create a Healthy Emergency Savings Fund

Posted on July 19, 2019 Uncategorized

  When it comes to one of those last-minute emergencies, regardless of the extent of the emergency, one may find themselves at odds when it comes to having healthy savings. While most people who are financially comfortable have a savings account, an emergency savings fund can help alleviate any concerns one might have regarding medical bills, automotive issues, unexpected home renovations, and even unemployment. Studies have shown that many Americans are one major emergency away from either bankruptcy or homelessness, depending on their annual income and current bills. Having an emergency savings fund is essential to your financial health, as

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Jul 102019

Getting Rid of Bad Spending Habits

Posted on July 10, 2019 Uncategorized

  Everyone, regardless of their economic status, has spent money without thinking twice at least once in their life. In fact, it’s not terribly uncommon; most working Americans can attest that a lack of mindful spending has caught up to them more than once. Unless you’re a multi-millionaire, bad spending habits can severely hinder your financial goals and can saddle you with unneeded debt. Careless spending can come in the form of having a daily coffee habit, or maxing out your credit card on frivolous expenditures. Regardless of your income and finances, these kinds of bad habits can add up

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Jul 032019

Money Tips For Traveling Abroad

Posted on July 03, 2019 Uncategorized

  Everyone has a checklist they follow when planning an overseas vacation: buy plane tickets, set up itineraries, packing your bags with everything you’ll need. For most travelers, setting up a budget before taking off is also a priority on their checklist. Along with being in a country with a different native language with a different cuisine and different customs, you’re going to experience financial changes as well.   Before you leave, make sure you go through this list of smart money tips that will make your overseas vacation less financially stressful, so you can have a great time and

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Jun 272019

Money Saving Ideas for Home Renovations

Posted on June 27, 2019 Uncategorized

  Ask any homeowner: taking on new renovations and remodels for your home can be time-consuming, detail-oriented, and most importantly, expensive. Whether you’re fixing one of your home’s appliances, making changes to just one room in your home, or tackling a full-blown home remodel, you might find yourself experiencing sticker shock. Regardless of the scope of your remodel, any homeowner will tell you that shopping around and making careful decisions is all part of the renovation process.   Are you looking to make changes in your home while saving money without having to cut important corners? Here are a few

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Jun 232019

Protecting Your Data and Identity While on Vacation

Posted on June 23, 2019 Uncategorized

  For many Americans, taking a summer vacation is one of the highlights of their year. Whether they’re traveling domestically or internationally, many families and individuals spend their year saving money for their dream vacation destination. And when you factor in having kids who are on summer vacation, it’s often the most ideal time of the year to travel. However, thanks to modern technology that seems to improve and expand every day, there’s a far bigger risk of having your data breached while on vacation than when you’re in your home region.   According to the Harris Poll, more than

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Jun 182019

Apartment Hunting – What You Should Know Before Signing A Lease

Posted on June 18, 2019 Uncategorized

    For the many people who aren’t homeowners, renting an apartment or condominium can start out as a challenging task. There are a vast array of things you must consider before signing a lease, so you can ensure you’re moving into the dwelling that’s best for your budget and your lifestyle. There are always questions you must ask yourself before you get started – what’s your monthly rent budget? What kind of neighborhood are you looking to move to? How much space do you need? What resources are there that can help you find a rental?   To get

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