Keep Your Wallet Insulated From Winter Heating Costs!

Posted by Kris Morse, Senior Information Systems Analyst on Feb 9, 2017 9:45:19 AM

Q: Winter's here in full force! Every time the furnace kicks on, I feel like it's burning up money! How can I keep my house cozy while keeping the heating costs low?

A: There's nothing better than being toasty warm when it's cold outside. Unfortunately, keeping your home at a comfortable temperature isn't cheap. Heating a house can easily eat $300 out of your monthly budget, depending on where you live and the thermostat setting.

If you're looking for ways to cut costs, check out these five handy tips for cutting your heating bill this winter.

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Topics: Saving, Winter, Heating

Fitness For Your Body And Wallet

Posted by Melissa Pashak, Marketing Specialist on Jan 18, 2017 12:33:06 PM

New Year's resolutions can be fantastic motivating tools, and many of us use that motivation to improve our health. Thirty-seven percent of Americans resolved to lose weight, while another 32% resolved to stay fit and healthy in the New Year. No one knows that better than the weight loss industry, which ramps up its marketing this time of year. You've no doubt seen offers for free months and other discounts at local and national gym chains.

What these advertisements leave out is that gym memberships are still very expensive. Nationally, gym memberships average $58 per month. That's bad enough before you start adding in contract initiation fees and other upfront charges. If you want to get fit, but don't want to pay those exorbitant fees, there are a few strategies you can try. Give these budget- and body- friendly ideas a chance. It might help you along the path toward a happier, healthier 2017!

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Topics: Saving, finances, health

How To Be The Host With The Most Without Draining Your Account

Posted by Melissa Pashak, Marketing Specialist on Dec 15, 2016 9:49:09 AM

Q: It's my turn to host my family for Christmas. How can I entertain the crowd without spending a fortune?

A: Hosting a holiday meal is one of the most stressful parts of any holiday. Sure, it's great to help everyone get together under one roof as part of a fantastic tradition. On the other, though, feeding many people can put a serious strain on your budget. With Christmas gifts to buy, a strain like that really can't come at a worse time!

Fortunately, it's possible to be a great host and a great saver at the same time. It's not easy, but you can put on a great Christmas meal without breaking the budget. Try these 3 handy tips to save this year!

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Topics: Saving, Christmas, family, Budgeting, Hosting a Party

Bring Back The Brown Bag: Saving Money On Lunch The Old-Fashioned Way

Posted by Melissa Pashak, Marketing Assistant on Sep 30, 2016 1:58:52 PM

Although it's been said breakfast is the most important meal of the day, there may be a new contender rising. Recent studies are showing that employees who take a designated lunch break are more likely to be productive in the afternoon and avoid long-term burnout. Breakfast has clearly been shoved out of its once-coveted role of "most important meal," and the reign of lunch has begun.

Lunch's sudden rise to popularity hasn't come without one or two negative side effects. The most worrying of these is how often Americans are dining out for lunch per week and how much they're spending when they do. If you're looking for an alternative to eating gourmet sushi five times a week, the best option is one that's been with us since we were children: the brown bag lunch.

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Topics: Saving, Lunch

Inexpensive Summer Fun With Your Child

Posted by Bethany Dutcher, VP Marketing on Aug 8, 2016 10:41:30 AM

Want to keep your kids engaged this summer without breaking the bank? Try out one (or several) of these low-cost, high-fun ideas.

Community programs

Community centers typically organize free programs in conjunction with the school system for preschoolers on up. It’s not uncommon for the programs to offer both breakfast and lunch as well as crafts, athletics, field trips (these do have a small fee), and a variety of educational “mini-adventures.” Some YMCAs and similar organizations also offer these kinds of opportunities.

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Topics: Saving, Summer, family

Effective Cost-Cutting Tips You Haven’t Tried

Posted by Melissa Pashak, Marketing Assistant on Jul 25, 2016 11:47:13 AM

When times are tough, many of us do the usual things to save money. We download coupons, carefully plan trips to save gas, and replace Netflix with Redbox. While these are effective, you’re only scratching the surface. Check out these other creative ways to cut your household budget:

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Topics: Saving, budget

A Blow-Out BBQ That Won’t Break The Bank

Posted by Sue Hale, Loan Representative on May 24, 2016 9:21:29 AM

Hosting a cookout on Memorial Day weekend is an excellent way to celebrate our freedom and respect the memory of those fighting for it. Like any other party, though, hosting a cookout can get expensive. With summer vacations and college tuition payments right around the corner, it’s an important time to save as much as possible. Here are some handy tips to make your cookout the best it can be, on a budget.

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Topics: Saving, budget, Memorial Day

Your Down Payment On A House

Posted by Kelly Prast, Mortgage Supervisor on Apr 20, 2016 12:37:58 PM

Q: I'm hoping to buy a house in the next few months. How much of a down payment should I have saved up?

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Topics: Saving, Home, mortgage, house, down payment

Winter Weekend Getaways On A Limited Budget

Posted by Rachel Kennedy, Member Service Representative on Mar 4, 2016 1:29:46 PM

Question: We'd love to get away for a fun weekend, but don't want to dip into savings. Can you give me some ideas for a low-cost, weekend getaway during the winter?

There are many ways to escape the winter doldrums without breaking the bank. You don't have to take an expensive ski trip or visit a tropical island paradise to receive the intended benefits-namely getting away for some rest and relaxation so you can return revitalized and ready to face winter again. Here are some tips and creative ideas for planning an inexpensive trip that won't leave you in the red:

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Topics: Saving, Vacation

52-Week Savings Challenge

Posted by Elizabeth Orange, Member Solutions Representative on Mar 1, 2016 1:22:53 PM

Saving money can be difficult.  It's easy to have self-control at home, when you're setting up your budget, but it can be much trickier to have that same self-control when you want to grab dinner out after a long day. Or maybe you see a sale on sneakers and your old ones are just getting so ratty and you think you'd definitely exercise more if you had good sneakers. And just look at them, they're amazing!

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Topics: Saving, 52 Week Challenge

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