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Catholic Federal Credit Union Financial Fitness Blog

Back-To-School Savings

Posted by Bethany Dutcher, VP Marketing on Aug 2, 2017 9:42:53 AM

Q: Back-to-school shopping kills my budget each year. Is there any way to start the year off right...without spending a small fortune?

A: Rows of freshly sharpened pencils, an unopened box of crayons and a pair of shiny, new shoes will provide a thrill for any child.

As the parent, though, you're the one footing the bill. If the thought of all that back-to-school spending makes your head pound, you're not alone. The National Retail Federation reports that parents of children entering kindergarten through 12th grade plan to spend nearly $700 per child on school supplies, new clothing and shoes this season. That's enough to fill any budgeting parent with dread.

No worries - as always, Catholic Federal has your back! Let us help you navigate the second-largest shopping season of the year with your budget and sanity intact. Read on for 12 ways to save on back-to-school shopping.

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Topics: Saving, back to school, budget, School Shopping

7 Resolutions For A Richer 2017

Posted by Kate Luttenberger, Member Experience Specialist on Jan 5, 2017 10:58:00 AM

The New Year is a great time of renewal. That makes it a good time to make bold, decisive changes in your life. Leave behind the baggage that was 2016 and start fresh with a blank slate in 2017. If you’re looking for some resolutions to improve your personal finances, we’re pleased to offer seven ways to make 2017 the year of the dollar!

1.) Track your spending

If you’re looking to take your first steps toward financial literacy, figuring out where your money goes should be at the top of your list. If you don’t know where your money goes, it’s going to be tough to follow through with any other money plans. You may have a general sense of how much you spend, but after a month where you’ve recorded every dollar, you’ll have a much better picture. Using apps like Mint, Quicken or Personal Capital can automate the process. You might even find that keeping track of what you do with your money encourages you to spend a little more judiciously.

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Topics: budget, debt, savings, Retirement, Direct Deposit, New Year's

Help! I Overspent On Christmas.

Posted by Bethany Dutcher, VP Marketing on Dec 29, 2016 2:16:05 PM

It’s so easy to go overboard on Christmas. If you have kids, you want everything to be perfect for them. You want to build priceless memories, so spending any amount seems worth it. If you’re just getting started, you want to impress your family with how together you have things. Giving extravagant gifts to your family members seems like a great idea … until you’re staring at a huge credit card bill in January.

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Topics: finances, budget, debt

4 DIY Solutions to Help your Christmas Budget

Posted by BALANCE on Dec 8, 2016 11:41:25 AM

 

Christmas spending can be a budget buster. The expenses are numerous: presents, wrapping paper, food, travel and more. However, if you don’t have the funds to buy everything you want, there is no need to despair. With a little DIY creativity, you can get through the Christmas season without draining your checking account.

1. Get crafty

Why spend $40 to buy a scarf if you can knit it yourself with $15 of yarn? If you have a knack for crafts, making your own gifts is a great way to save, since supplies usually cost less than the finished product. Not only are homemade gifts cheaper, but many people appreciate them more than store-bought presents because of the personal touch. Don’t know your way around a glue gun? A framed photo always goes a long way.

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Topics: budget, Christmas, diy

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

Baby Shopping on a Budget

Posted by Chelsea Grueber, Administrative Assistant on Jul 20, 2016 3:27:43 PM

As soon as you become pregnant, you start to notice it—the blitzkrieg of marketing trying to sell you x, y and z “must-have” baby products. The reality, though, is that you can provide quality care for your newborn without buying every designer onesie, toy, and pacifier.

Here’s a quick guide to sensible purchases, ensuring that you’ll be ready when your baby comes.

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Topics: budget, Shopping, Baby, family

Fresh Produce All Year Long

Posted by Melissa Pashak, Marketing Assistant on Jul 15, 2016 12:58:43 PM

You know the importance of eating fruits and vegetables, but fresh produce can be expensive. Here’s how you can add fruit and vegetables to your menu without breaking the budget.

Produce is cheapest when it is in season; right now we are lucky to be able to enjoy locally grown cucumbers, tomatoes, blueberries, onions and many other delicious summer fruits and veggies.

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Topics: budget, Shopping, Local, health, Produce

Twenty Budget Friendly Ways To Celebrate Father’s Day

Posted by Melissa Pashak, Marketing Assistant on Jun 17, 2016 11:56:56 AM

We all want to show our dads that we care on Father’s Day. Many people panic and run straight for the ties. But unless your father is a necktie aficionado and you can land him the rarest of rare finds in men’s fashion, you may want to consider something else that shows how well you know and appreciate your dad. Here are 20 ways you can honor your father this Father’s Day.

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Topics: budget, Father's Day, Dad

Best Ways to Save on Summer Vacation

Posted by Peter Lewis, NerdWallet on Jun 6, 2016 4:02:25 PM

With school letting out and sultry summer days ahead, it's time to start thinking vacation.

Because it's a supply-and-demand world, you'll likely be up against higher airfare, hotel costs and car rental rates. But here are some tips to help keep things affordable.

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Topics: budget, savings, Vacation, Summer

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

Welcome!

We're happy you're here. Our blog gives us another way to communicate with you in a fun, relaxed way. Don't worry; we won't be selling you anything. We just want to share a more personal part of ourselves so you can get to know the lighter side of the credit union. Our goal is to improve your financial well-being, we'll also share helpful financial tips and recommendations covering everything from students loans to retirement planning, and dream vacations to budgeting, many from our own personal experiences. After all, we're still people helping people, as we have been for 60 plus years. Now we just have more ways to reach out and help. 

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