When you live in the north, winter’s deep freeze can cost you cold hard cash. Turn the thermostat up and watch your bank account plummet along with the temperature. Before your personal finances hit zero along with the thermometer, learn how to keep your finances warm...
Financial Tip
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Your Year-End Financial Checklist
Seven aspects of your financial life to review as the year draws to a close. Provided by Jonathan P. Dekker The end of a year makes us think about last-minute things we need to address and good habits we want to start keeping. To that end, here are seven...
Three Helpful Tips to Get Your Credit Back on Track
Whether you experienced a job loss or a lengthy illness, you aren’t alone if a financial setback has damaged your credit. You don’t need to be told that you need good credit. What you need are helpful tips to get your credit back on track. It might take some...
Reward Yourself with “UFirst Reward Checking” from United Financial
You’re always looking out for others. Always pinching pennies. Always ready to lend a hand for a good cause or a person in need. It’s about time you did something for yourself. It’s time to reward yourself with “UFirst Reward Checking” from United Financial. Not all...
Frequently Asked Questions (FAQs) about the Equifax data breach
Who/What is Equifax? Along with TransUnion and Experian, Equifax is one of the three major credit reporting agencies in the U.S. They track your entire financial history — every bill you pay, any loans you have, credit cards, credit inquiries and more. They use this...
What You Need to Know About Cyber Security and Protecting Your Identity
Has the recent Equifax breach kept you up at night, wondering if your information was compromised? Are you feeling insecure about cyber security? If you haven’t yet experienced identity theft, here is what you need to know about cyber security and protecting your...
What is my Credit Score?
We’ve all heard so much in recent years about “credit scores.” But, what are they and how are they used? Your credit score is a three-digit number generated by a mathematical algorithm using information in your credit report. It’s designed to predict risk,...
Seven Steps to a Successful Budget
Budgeting can be a simple and straightforward process. It can also be a rewarding experience for all family members. But, it takes interest and commitment. Here are seven steps to help you create a successful budget. Discuss Values – Determine what is most important...
Why a Credit Union is Better than a Bank
Banks are not the only financial institution around. If you use a bank simply because that’s what you’ve always done, you might be surprised to learn that when it comes to managing your finances, auto loans, mortgages, and planning for your retirement you could do...
Ten Rules for Successful Money Management
Always remember that the most important factor in using money wisely is not how much money you make, but how you use it! Here are 10 rules that can help you achieve financial success. 1. Arrange a family system for handling money and make certain that everyone in the...
How to Establish Credit
Many people want to know how they can establish or re-establish their credit history. This is an important issue because credit records are essential to obtain credit. The information in your credit report is used by potential creditors to determine if you are a good...
Why You Need to Join a Credit Union Today
Fed up with your bank? Tired of the fees? You’d put your money elsewhere if there were only some other place to put it? You’re in luck! There is such a place! It’s called a credit union. If you think there isn’t any difference between a bank and a credit union,...