Scammers and fraudsters are leveraging our fears over COVID-19 and looking for yet another opportunity to scam consumers and financial institutions. Remain diligent when receiving and responding to emails, text messages, and social media posts during this time. These bad actors prey on our emotions so be careful! As we are a giving community, please consider reaching out to family and friends for the names of reputable organizations to donate to.
At Jolt Credit Union, your wellness and financial well-being are our top priority as we face the rapidly evolving coronavirus (COVID-19) pandemic. Here are five additional ways to help you stay healthy and avoid spreading germs.
- Use Mobile Pay instead of cash
Cash can be touched by hundreds of people in a matter of hours and germs can linger on surfaces for days.
- Pay at the pump.
You can avoid being close to people and other contacts. Use a Clorox wipe to disinfect the pump handle and make sure to wash your hands afterward.
- Set up automatic bill payments.
Many people go to the store to pay their store credit cards or stop by the post office to mail their bills. By using online bill pay to make your payments, you can avoid the crowds and have a better chance of staying healthy Bonus: You will save time each month paying this bill once it is set up and you won’t be tempted to make purchases when you are in the store, giving your budget a little boost.
It’s time to decide where to watch the BIG game. While going to a sports bar has appeal, more people are choosing to stay home. In cities with NFL teams, as well as in cities without NFL teams, it’s been reported that Sunday sports bar foot traffic dropped by double digits.
Why the move from sports bars?
Increasingly, people are choosing to stay at home rather than going to their favorite spots to watch their games. The proliferation of options for online watching is at least one way to explain this trend.
Lots of fans, however, say it it just too expensive to hang out in a sports bar. The food tends to be costly and not worth the high price tag. Also, more people are trying to eat healthier food, a goal that’s easier to achieve at home.
Topics: Super Bowl
Dreaming up big goals is easy; it’s finding a way to achieve them that can sometimes feel impossible. Maybe you decided this is the year you double your contributions to your retirement account or finally pull yourself out of debt. Whatever your big dreams may be, Marie Forleo’s new book Everything is Figureoutable will show you how to make them happen.
Forleo describes her mom as a woman with the tenacity of a bulldog and the language of a truck driver. The author’s chief philosophy, and the primary principle of her book, is centered on the wise words her mom shared with her, “Nothing in life is that complicated. You can do whatever you set your mind to if you just roll up your sleeves, get in there, and do it. Everything is figureoutable.”
1. Never shop before making a detailed menu for the week.
2. Use coupons whenever possible.
3. Cook with seasonal produce.
4. Use the generic brands for cleansers, shampoos and detergents instead of brand-name products.
The dawn of a new decade is a time for powerful new beginnings. Are you ready for
a powerful New Year’s resolution?
Eliminating debt, learning new spending habits, or building savings are choices that can change your life. They can affect your entire well-being– from stress levels, to physical and mental health. The new year and new decade is a great time to commit to your financial health.
1. Make a Road Map: Set a Goal (and Write It Down)
Goal setting gives you direction. You can decide on your destination and make a plan
to get there. This might seem small, but it’s not. Not only is goal setting found to be
linked to higher achievement and self-confidence, but writing down your goal can
also make you 42% more likely to succeed.
Here at Jolt Credit Union, we hate to see your money go to waste, so we've put together a list of misleading advertising schemes you may come across when hunting for deals this Black Friday.
Be an informed consumer and shop smartly!Very limited quantities
That $200-off supersized TV screen on the front page of the big-box circular that just landed in your mailbox looks like an incredible deal-until you show up at the store on Black Friday, only to find it's sold out. Of course, no deal lasts forever, but when a store that has only been open for the day a few hours claims it's already run out of an item, you can assume it only stocked a very limited quantity. The heavily marked-down and heavily advertised item was a ploy to get you into the store to shop.
Topics: Black Friday
Thanksgiving prep stressing you out? Wondering how you're going to get everything done in time for the big day and stick to your budget at the same time?
We're here to help! Whether you're travelling home for the holiday or hosting a houseful of guests, we've got you covered. Jolt Credit Union is proud to present clever Thanksgiving hacks to save you time, stress and money as you prepare for Turkey Day.Get an accurate guest count as early as possible
If you're hosting, this should be your first step - even before you start thinking menus and recipes. Find out exactly how many guests you're expecting for Thanksgiving dinner so you don't overcook or need to run out at the last minute for more groceries.Plan your menu early
Draw up an exact menu as early as possible before you start stocking up on ingredients. This way, you won't pick up random food items just in case you may end up needing them.
October is Financial Planning Month, and with the New Year right around the corner, now is a great time to make sure you are on track to meet your short- and long-term financial goals.
Here are three tips to keep your spending in check and finish the year out strong:
1. Don’t transfer money from your savings account to your checking account unless
it’s an emergency. If you find yourself doing this often, consider having a checking
and savings account at two different financial institutions. It takes longer for the transfer to
go through and the extra barrier can help you avoid unnecessary purchases.