Financial Independence — How To Get There

  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 …

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Traveling Safely During a Pandemic

  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 …

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Protecting Yourself from Social Media Scams

  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 …

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Keeping a Well-Stocked Pantry

  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, …

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Guiding Your High Schooler into Adulthood

  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 …

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Protecting Your Personal and Financial Info on the Web

  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 …

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Unhealthy Financial Habits — How to Break Them

  Admit it: we all have one or more financial habits that we need to break, but are having trouble breaking. Human beings as a whole tend to be creatures of habit, and unfortunately, unlike safe habits such as watching a certain show every night, or having your morning tea, financial habits that can harm …

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UChoose Rewards — How to Earn and Spend Your Rewards Points

  When you bank with Polam FCU, you’re not just getting a better banking experience through our low rates, top-notch service, and our not-for-profit status — you’re also getting the chance to earn rewards for every purchase you make with your VISA debit or credit card. These rewards points don’t expire, and can be redeemed …

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Budget-Saving Tips for Your Holiday Menus

  Every year as the holiday season approaches, millions of Americans start planning their festivities, from choosing and decorating their Christmas tree, shopping for gifts, making travel arrangements, and more. Another thing they plan for is a holiday menu, whether it be for Christmas, Thanksgiving, or both. Grocery planning for the holidays is a valuable …

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Your Emergency Savings — How to Rebuild It

  A Federal Reserve study from 2019 has shown an alarming statistic: 40 percent of Americans do not have $400 in their bank account for emergency expenses. While this study was performed months before the coronavirus pandemic, it’s a startling reality at a time when people are losing their jobs because of the pandemic. While …

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