Apr 192019

Cheap or Free Ways to De-Stress

Posted on April 19, 2019 Uncategorized

  When it comes to developing personal therapy strategies, there are plenty of ways you can go about those developments. Many people fall into retail therapy, some may book a day at the spa, and both are great ways to release that stressful energy into something that sparks joy. But as everyone knows, spa days aren’t cheap, nor are spa procedures, and “retail therapy” can end up costing you a lot of money you didn’t know you were spending.   However, there are plenty of ways you can de-stress without breaking the bank – or even without having to open

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Apr 162019

Helpful Tips to Reduce Medical Costs

Posted on April 16, 2019 Uncategorized

  It’s no secret that, in the United States, the cost of doctor’s visits, prescription medications, medical procedures, and even childbirth can be expensive to the point of leaving people in debt, even for people with health insurance. While the Affordable Care Act has helped millions of Americans access health insurance, with some states even having successful and easily accessible insurance marketplaces (such as Covered California), these costs still exist in some form. Of course, the amount you spend on healthcare will depend on your personal health and your physical condition. But there are a number of ways you can

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Apr 102019

Online and Mobile Banking – What They Can Do for You

Posted on April 10, 2019 Uncategorized

  We all know that waiting in line at the bank can be a tedious hassle. It takes time out of your day, and it can be an often frustrating experience. But in 2017, there’s a mobile app for just about everything. While online banking has been existed for years in one form or another, it’s getting more and more user-friendly and hassle-free as technology advances.   So why should you take full advantage of all the perks that online and mobile banking can offer? Here are a few good reasons:   Business hours: All day, every day. If you

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Mar 292019

How Much Should You Pay for A Wedding Gift

Posted on March 29, 2019 Uncategorized

  As we all know, as we approach the month of April, wedding season is about to be in full swing. Whether you’re invited to an elegant formal affair, or a laid-back outdoor wedding, the importance of giving a gift of any kind cannot be overlooked as a guest. They’re likely spending $30 a plate to celebrate their happiness with you, so forgoing a gift can appear as incredibly inappropriate. Considering the fact that, as of 2017, the average wedding has cost more than $33,000, it’s considered proper wedding etiquette to provide a gift of some sort.   However, we

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Mar 252019

Financial Spring Cleaning Tips

Posted on March 25, 2019 Uncategorized

  We are three weeks into March, and if you haven’t given any thought to the idea of spring cleaning, this is the perfect time of year to start. We all know spring cleaning involves a lot – cleaning out closets full of clothes, knick-knacks, piles of irrelevant paperwork, and so much more. But spring cleaning isn’t just a tangible affair – it applies to your finances as well, including debts, loans, and overall savings. This part of your life should especially be a focus when you’re doing spring cleaning, because your financial life is one of the most important

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Mar 182019

The Importance of Creating a Will or Living Trust

Posted on March 18, 2019 Uncategorized

  “Life is short.” That’s something adults often hear, because the older you get, the faster time passes by. We don’t like to think about our own mortality, because it reminds us that everything eventually comes to an end. And even though it may seem almost morbid for some, planning for our eventual death is an absolute necessity, especially if you’ve got family to think about, large sums of money / non-fluid income, or other investments.   All things considered, the importance of creating a will – especially as you reach middle or retirement age – cannot be understated. Not

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Mar 052019

3 Tips on How to Spend Mindfully

Posted on March 05, 2019 Uncategorized

  It’s 2019, and we live in an era where spending money is not just limited to going out to a store, shop, or restaurant and making purchases in person. We live in a world where e-commerce has seemingly taken over, with Amazon dominating the online marketplace with other e-commerce business models struggling to compete. Anyone with Amazon Prime can tell you how easy it is to hop on the site and get anything you want or need, without having to worry about shipping costs. Incidentally, Target is known far and wide as a store where you visit to pick

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Feb 272019

Easy Tips for Paying Down Loans Faster

Posted on February 27, 2019 Uncategorized

  Owing money on a mid-to-large-sized loan is relatively common these days. In fact, studies have shown that more than half of all Americans have taken out a decent-sized loan to which they still owe quite a bit of money. After all, especially in the 21st century, taking out a loan is almost a big part of being an adult. Whether you’ve taken out a home equity loan, student loans, or an auto loan, unless you’re a millionaire it is almost a necessity if you need to make big purchases or help get from one point to another, financially.  

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Feb 242019

Great Ways to Support Your Local Community

Posted on February 24, 2019 Uncategorized

  It is well known by our members that Polam FCU is a strong supporter and participant in the Bay Area Polish-American community. We work with local organizations and our members help form the backbone of what makes us a strong part of the Bay Area. Most importantly, our members visit and patronize Polish-owned businesses all around them, and businesses tend to work together to make our community great.   If you want to do more to help keep our local economies strong, there’s a number of things you can do to support your neighbors, friends and family, as we

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Feb 202019

Saving Money By Avoiding Takeout

Posted on February 20, 2019 Blog, Blog, Blog, Blog, Blog, Blog, Blog, Blog, Blog, Blog

  We currently live in a world where convenience is the key to everything. Whether it’s through mobile apps or new technology for newly-released devices, we want what we want quickly and without much effort on our end. The need for convenience has expanded to ordering takeout – with Seamless, Postmates, and UberEats, among others, we don’t have to make much of an effort. Just open your takeout app of choice, pick a restaurant and what you want to order, and pay on the app. Convenient, right?   However, studies show that 49 percent of millennials spend more on going

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