Feb 022021

Building a Successful Small Business

Posted on February 02, 2021 Uncategorized

    Have you ever dreamed about being your own boss? You’re certainly not alone – with roughly 28 million small business owners in the United States, you’d be one of many entrepreneurs who made the decision to take the valued risk of starting a small business and becoming your own boss, setting your own working hours, and determining your own earning potential. There are so many rewards that come with being a business owner, but to properly reap those rewards, it’s important to get started with the best advice and guidance.   Here are a few “secrets” of the

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Jan 272021

Surviving a Job Loss – and How to Prepare for It

Posted on January 27, 2021 Uncategorized

  Losing a job, no matter how long you’ve held it, can be devastating for a number of reasons. Not only is it a major shift in your life, but the financial repercussions can be daunting. If you’re concerned you might lose your job in the near future, it’s a good idea to start preparing. The COVID-19 outbreak has left millions unemployed, and many American workers fear for their jobs in light of local and statewide restrictions. To these hard workers as well and others who’ve lost their jobs for non-pandemic related reasons, it can never hurt to plan for

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Jan 192021

Going Green with Your Credit Union

Posted on January 19, 2021 Uncategorized

  When it comes to incorporating eco-friendly practices into your everyday life, you might be surprised just how many parts of your life you can adjust to go green and help Mother Earth. Not surprisingly, going green with your banking is one such area in which you can do so. Banks and credit unions all over the country have started implementing eco-friendly policies and services, such as online e-statements, as well as online and mobile banking. Polam also offers these features, and we encourage our members to take full advantage of their benefits.   If you’re looking for ways to

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Jan 082021

Developing a Frugal Lifestyle

Posted on January 08, 2021 Uncategorized

    When it comes to living frugally, many people assume that means not spending money on anything that isn’t necessary – i.e. dining out, hobbies, date nights, or even spending money during the holidays. However, frugal living doesn’t have to equate to a lack of fun and enjoyment – it just means you’re changing the way you spend and save, and taking necessary to make conscious financial decisions, which can range from something as simple as saving coupons to buying or renting a home. Taking the steps with regards to a frugal lifestyle can be a game changer for

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Dec 312020

Financial Independence – How To Get There

Posted on December 31, 2020 Uncategorized

  Do you feel like you’ve reached financial independence? If you haven’t, you’re not alone; many Americans in 2020 have experienced financial struggles for myriad reasons, including the pandemic and the economy. However, even in difficult times, striving to reach a goal of financial independence isn’t complicated – as long as you stay disciplined and follow the right steps to achieve your goals. Being financially independent can change the way you live your day-to-day life, and reaching that point can be wholly beneficial.   If you need help getting started, here are a few tips to get you going on

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Dec 122020

Traveling Safely During a Pandemic

Posted on December 12, 2020 Uncategorized

  December is one of the most popular months of the year for travel, and for some, this year is no exception. Some may be looking for a place to get away for the holidays, and some plan to visit family. Regardless, there are risks that come with traveling during the COVID-19 pandemic, and if you’re thinking about traveling this month, it’s important to know how to stay safe, and to ensure that those around you stay safe as well.   Here are a few tips regarding the best ways to travel safely:   Before you book travel, check for

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Dec 072020

Protecting Yourself from Social Media Scams

Posted on December 07, 2020 Uncategorized

  Social media is omnipresent in our world today. Facebook has billions of users, Twitter has grown from a microblogging site to a major force, and other social apps like Instagram and TikTok are continuing to define our cultural landscape. However, for all the good that can come from being active on social media, there are detractors as well – namely in the form of various scams to steal your money or your identity. Scammers have become more and more creative as people continue to catch on to common schemes, so it’s important to be on guard for suspicious activity.

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Nov 282020

Keeping a Well-Stocked Pantry

Posted on November 28, 2020 Uncategorized

  Cold weather is under way, and so are a new series of restrictions due to the pandemic. This is the time of year where it’s easy to get wrapped up in the warm comfort of your home, not wanting to get out much, especially since days are shorter. When it comes to grocery shopping, it’s a necessity – but there are ways you can limit the amount of times you visit the grocery store, helping keep you and your family safe. Maintaining a well-stocked non-perishable pantry can help you shop less and keep your family nourished.   Here are

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Nov 212020

Guiding Your High Schooler into Adulthood

Posted on November 21, 2020 Uncategorized

  Children, as is often the case, start asking their parents for things from the minute they start talking. It’s your job to make sure they’re taken care of – healthy food, an education, a comforting home, all the proper amenities, and so forth. However, as your children enter high school, they’re going to start asking for different and more expensive things – such as extra spending money and more elaborate hobbies and activities. Teaching your high school student about the value of money and how to make it stretch is one of the most important lessons they can take

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Nov 092020

Protecting Your Personal and Financial Info on the Web

Posted on November 09, 2020 Blog, Blog, Blog, Blog, Blog, Blog, Blog, Blog, Blog, Blog

  It’s 2020, and many people spend much of their lives online – which includes having your personal information available on the World Wide Web. Everything you do online leaves some kind of footprint, whether it be large or small, and it’s extremely important to ensure your personal and financial information doesn’t get obtained by hackers and scammers from one of these footprints.   Our team at Polam encourages strong measures to ensure your online information is kept safe and secure. Here are a few tips on how you can protect yourself from fraud:   Create an ironclad password –

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