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Did you know that the cost of the average wedding in the U.S. is $28,000*? Fortunately, it doesn't have to be this way. With careful planning, prioritizing what's important to you and your spouse-to-be, and following some of the cost-cutting tips outlined here, you can have the wedding you desire and your budget.
Read MoreDid you know appliances account for approximately 13% of your home’s energy use? Your larger kitchen appliances, combined with your smaller entertainment machines, means your home can have over 10 devices running at any moment. The good news is, you don’t have to completely pull the plug to save on your energy costs. Here’s how to use your appliances more efficiently to reduce energy use and do one for the environment.
Read MoreBuying a home can be a daunting task. The challenges of being a first-time homeowner can be intimidating, particularly for people who are moving away from home. Let’s look at a few guidelines to help take some of the stress out of the decision.
Read MoreIf you shop online, you’ve seen a “Buy Now, Pay Later” offer everywhere from Amazon to Walmart. The idea is simple: Buy a big-ticket item and split the payments up over time. Even retail stores are getting into the act. #BNPL is interest-free, and it can be a good way to get something you really need in hand quickly. Where it’s a problem, though, is if you use it too much or for things you don’t really need and fall behind on the payments. Interest rates as high as 40% can kick in, along with some huge late-payment fees. Use BNPL if you need to, but use it wisely and make sure the payments are part of your monthly budget.
Read MoreYou know you need to build up your savings, but it always seems to get bumped down on your to-do list. Well, let’s get started!
Read MoreChecking accounts are the easiest way to store money you’ll need access to quickly, and Members Choice CU is a great place to have one!
Read MoreUsing #creditcards responsibly is a great way to build your credit score. Be sure to remember that a credit card charge is a mini loan, and you’ll pay interest on it if you don’t pay your bill in full every month. Try not to spend more than what’s in your monthly budget to stay ahead of the bill. Paying in full and on time lets you make the most of the rewards your card might offer. Beware late payments, as the fees can be very high. Set aside a specific time every month to pay your card bill before it’s due. And be sure to set up an emergency fund, so you don’t have to rely on cards to pay for unplanned expenses!
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