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Combatting The Financial Mistakes Of Our 20s And 30s
Combatting The Financial Mistakes Of Our 20s And 30s12/22/2017

Managing money

Early in their careers, people tend to focus on the here and now while ignoring the future. As you climb the ladder of success, you might think raises and promotions will never end and that you have forever to plan for the future. Surprisingly, though, the future comes faster than you can imagine.

Here are the six most common and avoidable mistakes younger people make:

#1: Not planning for retirement

Retirement may be ages away, but the only way to make sure you have what you need to retire is to start planning early. If you start saving for retirement when you get your first job, even if it’s only a small amount, you will establish the habit and start building up savings.

Short-term goals, like a new car, can overshadow what seems like the very long-term goal of retirement. If you get your priorities straight early on, though, you will reap huge benefits.

#2: Spending too much on a car

It might make financial sense to buy a new car, but don’t buy more car than you need. Choose a car that serves your current needs without sabotaging your long-term goals and savings.

#3: Not using a budget

You might look at a budget as unnecessary because you’re not making enough money. Or, you may view it as something that will restrict your spending, or as just too much trouble. In truth, a budget can help you at any level of income and can provide you with financial freedom. Budgets allow you to track spending and determine where you need to be more careful. Also, budgets can be as simple as tracking money in and money out. As you earn more and your expenses get more complex, you can adjust your budget to fit your needs.

#4 Overusing credit

Credit cards make it far too easy to fall into the debt trap. You start carrying a little balance on your credit cards and it builds up, sometimes forcing you to dip into savings to pay your credit card bills. Avoid this situation by using credit sparingly and only for identified and planned purchases. Implement a plan to save for major purchases and pay for most, if not all of them, in advance.

#5: Having no emergency fundTips

Need an Advance on Your Paycheck? Our Advance Pay Loan is the Affordable Solution7/11/2019

Before you go to a high-cost Payday Lender, ask us first about our affordable Advance Pay loans!

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Is a Personal Loan the Answer To My Urgent Money Need?7/4/2019

When you need money fast, talk to us first about a low-rate Personal Loan and see if we can help!

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Your Child's First Car7/2/2019

Is it time for your child to start driving? They'll need a car - so if you're looking to buy one for them, read our latest blog post for some helpful tips!

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Feeling Stuck in Your Car Loan? Might Be Time to Shop Around!6/25/2019

If you're paying a high rate for your car loan with another lender, consider a refinance with MCCU and you may save money on payments!

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6 Money Myths You Need to Know About6/20/2019

How many money myths have you fallen for? Read our blog post and see how many of these common misconceptions have made their way into your financial outlook!

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Top 7 Home Improvements You Can Do With a Little Help From MCCU6/13/2019

If you've been putting off much-needed (or wanted) home improvements, read on for some helpful tips to do it affordably, with a little help from MCCU!

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A Pre-Approval Helps Homebuyers Compete6/11/2019

Shopping for a home can be exciting and nerve-wracking. When the market is tight, and you’re competing against multiple offers – especially when some of those offers are for cash – it can be downright frustrating. Read on to find out why you need a pre-approval before you shop for a home.

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3 Tips to Getting Financial Assistance with Your Down Payment6/6/2019

Is a large downpayment stopping you from buying a home? Read on for some tips on how to purchase a new home with a lower down payment.

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A Guide to Opening Your First Credit Card6/4/2019

If you’re taking that big adulting step of opening your first credit card, you need to read our tips on what card to pick and how to manage it! 

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3 Ways Your Credit Union Can Help Fund Your Summer Vacation5/23/2019

Is the beach calling? Are the kids carving mouse ears out of soap? It’s vacation time! We want to help you make your dream trip a reality!

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Which Features Should I Look for In a New Car?5/22/2019

Shopping for a new car? You’ll have as much fun picking out the features as the vehicle. We’ve got lists of all the most important options to help you make your picks!

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4 Ways to Use Your Home's Equity5/14/2019

If you own a home, you may have equity in it (your current property market value minus your mortgage balance and any other liens you may have on your home). Find out how you can use that equity, at a very low cost.

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College Students: Be Smart About Credit Cards5/9/2019

When you start college, credit card companies start hitting your student mailboxes with multiple credit card offers. Unfortunately, many students accept these tempting offers, use the cards enthusiastically, and then find themselves – even before they graduate – way over their heads in debt.

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Raise Money Smart Kids5/7/2019

We all want what's best for our kids - and that includes financial smarts. Read on for some tips to teach your kids how to be money smart!

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Buying Your First Car5/3/2019

Congrats—you’re ready to purchase your first car! The process can be daunting, but we will walk you through it. Follow our guidelines for a stress-free ride!

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Mortgage Rates are Dropping - Should I Refinance?4/23/2019

Are you thinking about refinancing your mortgage? Rates are low right now, but there’s a lot more to think about than just that. Get the info before you decide!

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Home Improvement Hacks4/18/2019

You don’t need to spend a fortune to give your house a new look this spring. Read on for a list of home improvement hacks and learn how to upgrade your home on a budget.

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How Can Refinancing My Car Benefit Me?4/11/2019

Car owners typically refinance for one of three reasons: to lower monthly payments, to save on interest charges, or to get cash to cover an expense or help manage other debt. To determine whether refinancing makes sense for you, take a good look at your current loan and financial picture.

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5 Ways to Spring Clean Your Finances4/9/2019

Spring is here! Time for some spring cleaning of your finances! From getting rid of debt to getting your savings on track, we’ve got tips to help!

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How To Start The Homebuying Process4/2/2019

If you’re thinking about purchasing your first home, you may feel overwhelmed or confused on where and how to start. What are the first steps? Who should you talk to first? What professionals should you use?

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7 Signs You're Living Beyond Your Means - And How to Fix Them3/28/2019

Does life just seem too expensive? You might be living beyond your means. We’ve got 7 ways to tell if you are, and tips to help you get your money back in line!

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4 Reasons to Use Online Bill Pay3/26/2019

Wishing you didn’t have to write another check to pay your utility bill, gardener, or homeowner’s association? We’ve got the solution that saves you time and money—online bill pay.

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Personal Loans: Keep Your Borrowing in Check3/21/2019

Personal loans are a low-cost alternative to credit cards or other high-rate loans. If you've got bills you want to consolidate, or an emergency arises that you don't have the savings for, a Personal Loan with MCCU may be your solution. 

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Mechanical Breakdown Insurance (MBI): What Is It and Do I Need It?3/14/2019

Auto insurance is required in most states. It makes sense to protect your investment and yourself and others in the event of an accident. But what happens when your car just stops working or something breaks? Those situations aren't covered under traditional auto insurance, but can be costly and inconvenient none-the-less.

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7 Steps To Purchasing an Auto Insurance Policy2/28/2019

Looking for a new auto insurance policy? We've got tips to help you with the process!

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Your Complete Guide to Homeowners Insurance2/26/2019

Lost in the homeowners insurance maze? Balancing coverage with premiums and deductibles can make your head spin. We’ve got tips to help!

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College Students: Be Smart about Credit Cards2/21/2019

When you get to college, you start getting hit with multiple credit card offers. Read on for some tips to manage your credit wisely.

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5 Ways to Pay Off a Loan Early2/19/2019

Want to get out of debt? Who doesn’t? You can take small steps that add up to big interest savings and earlier repayment. We’ve got the info!   

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Top 5 Fuel Economy Tips2/14/2019

Unless you have an electric car, you are shelling out a lot of money for gas. Don't fret - we've got some tips to help you ease the pain at the pump.

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College Scholarships, Grants and Loans - What do they Cover?1/31/2019

Students and their families have plenty of options to consider when it comes to paying for college tuition. From scholarships to grants to loans, filling the gap can be a confusing proposition. Before deciding what options are right for you, there are a few important tips to keep in mind.

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7 Reasons Not To Skip a Home Inspection1/24/2019

Found your dream home? Don’t sign anything until you have an inspection! It’ll save you money, heartache and even avoid safety hazards. Read our tips!

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How Your Credit Score is Calculated1/22/2019

Do you know what your credit score is or how it's used? Read on for valuable information on how your credit score affects you.

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Video: 4 Steps to Credit Repair1/10/2019

Consumers are sometimes faced with taking steps to repair tarnished credit. Here are four steps to help make that happen.

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Do I Need an Emergency Fund and a Rainy Day Fund?1/8/2019

Do you have money saved in case of an emergency? Rainy day and emergency funds are a must, and we have tips to help you set them up and feed them!   

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6 Ways to Earn Money Online1/3/2019

Want to make money online? Who doesn't? From taking surveys to being a consultant, we’ve got several ways to fill your wallet from your keyboard!   

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Financial Goals for the New Year1/1/2019

It's a new year and now is the time to think about your financial goals. Read on for some helpful tips!

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6 Financial Mistakes People Make in Their 20s12/27/2018

If you’re realizing that your 20s are behind you and the party is over, we’ve got ways to get your money life back in order for your future!

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Making the Holidays Count12/25/2018

Happy holidays! We’ve got great tips on how you can make the most out of your holiday break time while still having plenty of fun.

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New Year's Resolutions for 201912/20/2018

New Year's Resolutions don't have to be about losing weight or finding love. They can be all about your finances too! Set up some realistic goals for yourself for 2019 and have a financially happy 2019!

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5 Ways to Improve Your Credit Score12/18/2018

Having a good credit score means you'll have access to better interest rates when you need a loan. We've got tips to help you improve your score!

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7 Scams to Watch Out For This Holiday Season12/13/2018

 Don’t let holiday scams spoil your happiness! We’ve got warnings that will help you steer clear of all the naughtiest crooks looking to ruin your joy! 

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Tax Reform 101: 5 Reasons You Should Start Planning12/11/2018

Learn about important tax changes, plus as a MCCU member, you can save money on TurboTax products!

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What You Need to Know About Inheriting an IRA12/6/2018

Inheriting an IRA can have a host of tax implications and brings a ton of requirements. We’ve got quick guide to help you make best use of your new IRA!

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How Should I Fund My Holiday Shopping?11/29/2018

Is holiday shopping turning your happiness into a lump of coal? We’ve got tips to keep your debt load low and your spirits high this season!

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Reduce Your Holiday Stress11/20/2018

Your shopping list is a mile long. Your social calendar is jam-packed. Your patience is wearing thin, and your budget is stretched to the max! If your holiday mantra is “Bah humbug” rather than “Ho ho ho,” try these tips to reduce your stress and enjoy the season.

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Why Do I Spend So Much Money Shopping Online?11/16/2018

Online shopping can eat up your budget if you’re not careful! We’ve got plenty of info on how retailers trick you into spending and how to beat the game.

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5 Tips for Staging Your Home to Sell During the Holiday Season11/8/2018

Selling your home this holiday season? Staging your home can increase the likelihood of a sale, and attract more potential buyers. Read on for some tips to help you successfully stage your home during the holidays!

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7 Ways to Save on Thanksgiving Costs11/1/2018

Thanksgiving doesn't have to chew a hole in your budget! We’ve got great tricks to cut costs dramatically.

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How Not to Bust Your Holiday Budget10/30/2018

Parents want their kids to have the best holiday ever, and that sometimes means getting them everything on their holiday shopping list. But how can you balance giving them what they want and not breaking the bank? We've got some helpful tips to do just that!

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Holiday Hacks for Traveling College Students10/23/2018

Headed home for the holidays but strapped for cash? We’ve got tips to help you go in style!

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Financial Tips for Single Parents10/19/2018

Single parents face the same budget and finance issues as couples, but they go it alone. We’ve got tips to help you get control.

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Video: How Much Should I Save?10/16/2018

Saving money for a rainy day is a smart idea. But how can you do that on a limited budget? We'll show you some tips on how you can save and how much you should be saving!

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Creative Ways to Save on Energy Costs10/11/2018

Even though Summer is over, now is a good time to put into place good energy-saving habits.Try these simple steps to get your bill under control.

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Video: What is Budgeting and Why Is It Important?10/9/2018

Do you know how much money you have to spend on clothing, vacations or even your weekly Starbucks run? With a good budget in place, you'll ensure you won't overspend and leave yourself in a financial bind. 

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Beware of Mortgage Fraud10/5/2018

If you’re buying a new home, you’ll want to read our alert about a scam that could cost you big. Get the info on avoiding mortgage scams! 

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When Debt Consolidation Can Be a Good Move10/2/2018

Credit card balances, personal loans, student loans and more – anyone with debt knows it can get overwhelming. Read on for some helpful tips to consolidate your debt and pay it down faster!

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How to Save for a Down Payment on a Home9/26/2018

Find out some easy tips to save up for a down payment for your next home!

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Bridge Loans: Looking to Buy While You Are Selling?9/13/2018

Buying a home is thrilling and exciting and terrifying all at once.  Add in the fact that you haven’t sold your current home, and there are many more moving parts to your transaction.  In a hot real estate market, sometimes you have to jump in and make an offer before you’re quite ready (or able) to sell your current home.  If you have a hefty savings account and income sufficient to qualify for both of your mortgages, it might not be a problem, But for millions of homeowners, this scenario requires a different solution. 

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Q&A: New Cars vs. Used Cars9/11/2018

New car or used? It’s a tough decision, with advantages and disadvantages on both sides. Let us help you with our handy guide, and great credit union financing! 

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Should I Refinance Before I Retire?8/14/2018

Should you refinance your home before retirement? If you pick the right mortgage, you can reap significant rewards! We can help!

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Video: Money Hack - How To Save on Your Mortgage7/19/2018

Want to refinance your mortgage or get a new loan? Find out more about our Mortgage Loans today!

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What's the Best Way to Finance a Home Renovation?7/17/2018

Time to fix up your home? Before you take out a personal loan or run up a credit card, check out home equity lines of credit. A HELOC might be just the thing!

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How Many Credit Cards Should I Have?7/12/2018

Credit cards affect your FICO score, but how many should you have? The answer is kind of twisty, but we’ve got tips to help boost your scores!

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Zero Percent Financing: What You Should Know Before You Shop6/28/2018

Does it make more financial sense to take the 0% financing or the rebate when I'm shopping for a car? Read our latest blog post to find out!

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8 Steps To An Energy-Smart Home6/26/2018

Want to make your home energy smart? Read on for some valuable tips! And, get information on our Home Energy Loans!

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Getting Married? Here are 5 Ways to Budget for Your Wedding!6/19/2018

It’s your wedding day! Can you save money on everything that goes with it? Absolutely! We’ve got tips and tricks to make your Special Day a bargain!

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Student Discounts!6/14/2018

Take some of the cost out of student life with huge student discounts from companies like Amazon, Microsoft and Adobe. Who says you can’t catch a break!

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Debit Card Safety6/5/2018

Your debit card is a great way to pay, but be smart about where you use it! A little caution can go a long way to protect your financial information.

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Money Tips: What to Grab and What to Skip in June5/30/2018

Ah, June! Summertime, and the shopping is easy! We’ve got the insider info on what to buy and what to skip in summer’s first month.

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Saving Smarts - Teaching Kids Smart Money Management5/25/2018

We want our kids to be money savvy. Our latest blog post offers tips for conversation starters and more for you to teach your kids money skills! 

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Should I Refinance My Home Mortgage?5/22/2018

Want to refinance your house? It can save you thousands, but be sure you’re doing it for the right reasons. Our guide will help you decide!

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4 Ways to Bring Your Dream Kitchen to Life5/15/2018

Looking to freshen up your kitchen? It’s less expensive than you might think to give the hardest-working room in your house a new look!

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Mother's Day Savings5/8/2018

Did mom teach you to be thrifty? Show her you were paying attention with a thrifty Mother's Day celebration. Show your love AND your good sense!

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How Should I Use My Tax Refund?4/24/2018

Got your tax refund? You might be tempted to spend it all, or maybe your friend needs a loan. We’ve got some better ideas!

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Video: Why You Should Get Pre-Approved for a Car Loan4/19/2018

Get pre-approved for a MCCU Car Loan now!

Want to skip the Dealer trip? Shop for your new car now with Autoland!

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Buying a Home: The 20% Down Myth4/17/2018

Contrary to what most people think, you do NOT need 20% down to buy a house! See our tips on other mortgage options, and on why a lower down payment might be a great idea!

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5 Things to do Today to Help Your Future4/12/2018

College can be fun, but it’s also time to prep for the real world! Read our tips and you’ll be a big step ahead when it’s time to graduate and go job hunting!

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How To Fund an Emergency4/10/2018

Got a money emergency? From personal loans and credit cards to 401(k) loans and borrowing from family, you’ve got options … but choose carefully!

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7 Ways to Spring Clean for Extra Cash4/5/2018

Don’t let spring cleaning get you down! You can sell your excess stuff of all types to make some extra cash after you clean. We’ll show you how!

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Why Choose a Credit Union?3/27/2018

Fed up with fees and poor service? Looking for great service and better rates on loans and deposits? Join a credit union!

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A Dozen Tricks To Sell Your Home Quickly3/21/2018

 If you’re getting ready to sell your house, we’ve got 12 tips that will help you get a buyer quickly and sell for a great price! You’ll be closing in no time!

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Saving on Home Renovations3/14/2018

Is it time to remodel your kitchen? We’ve got tips that can save you thousands of dollars and still leave you with the gourmet enclave of your dreams!

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How To Use the Money Envelope System3/9/2018

Monthly budgeting is a necessary evil, but the envelope system can make it easy! Split up your money, spend carefully and don’t cheat and you’ll do great!

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Ready, Set, Go.... to College!2/2/2018

The process of a child leaving home is a major milestone that is made extra complex because of the emotions it generates. The reality, though, is that there are some very concrete things that can be done to smoothe this transition.

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Energy Saving Tips What To Look For When Buying New Appliances1/22/2018

Don’t let a new appliance drive your power bill up! We’ve got tips to help you pick the right one for your needs!

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Tips
Need an Advance on Your Paycheck? Our Advance Pay Loan is the Affordable Solution7/11/2019

Before you go to a high-cost Payday Lender, ask us first about our affordable Advance Pay loans!

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Is a Personal Loan the Answer To My Urgent Money Need?7/4/2019

When you need money fast, talk to us first about a low-rate Personal Loan and see if we can help!

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Your Child's First Car7/2/2019

Is it time for your child to start driving? They'll need a car - so if you're looking to buy one for them, read our latest blog post for some helpful tips!

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Feeling Stuck in Your Car Loan? Might Be Time to Shop Around!6/25/2019

If you're paying a high rate for your car loan with another lender, consider a refinance with MCCU and you may save money on payments!

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6 Money Myths You Need to Know About6/20/2019

How many money myths have you fallen for? Read our blog post and see how many of these common misconceptions have made their way into your financial outlook!

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Top 7 Home Improvements You Can Do With a Little Help From MCCU6/13/2019

If you've been putting off much-needed (or wanted) home improvements, read on for some helpful tips to do it affordably, with a little help from MCCU!

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A Pre-Approval Helps Homebuyers Compete6/11/2019

Shopping for a home can be exciting and nerve-wracking. When the market is tight, and you’re competing against multiple offers – especially when some of those offers are for cash – it can be downright frustrating. Read on to find out why you need a pre-approval before you shop for a home.

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3 Tips to Getting Financial Assistance with Your Down Payment6/6/2019

Is a large downpayment stopping you from buying a home? Read on for some tips on how to purchase a new home with a lower down payment.

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A Guide to Opening Your First Credit Card6/4/2019

If you’re taking that big adulting step of opening your first credit card, you need to read our tips on what card to pick and how to manage it! 

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3 Ways Your Credit Union Can Help Fund Your Summer Vacation5/23/2019

Is the beach calling? Are the kids carving mouse ears out of soap? It’s vacation time! We want to help you make your dream trip a reality!

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Which Features Should I Look for In a New Car?5/22/2019

Shopping for a new car? You’ll have as much fun picking out the features as the vehicle. We’ve got lists of all the most important options to help you make your picks!

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4 Ways to Use Your Home's Equity5/14/2019

If you own a home, you may have equity in it (your current property market value minus your mortgage balance and any other liens you may have on your home). Find out how you can use that equity, at a very low cost.

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College Students: Be Smart About Credit Cards5/9/2019

When you start college, credit card companies start hitting your student mailboxes with multiple credit card offers. Unfortunately, many students accept these tempting offers, use the cards enthusiastically, and then find themselves – even before they graduate – way over their heads in debt.

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Raise Money Smart Kids5/7/2019

We all want what's best for our kids - and that includes financial smarts. Read on for some tips to teach your kids how to be money smart!

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Buying Your First Car5/3/2019

Congrats—you’re ready to purchase your first car! The process can be daunting, but we will walk you through it. Follow our guidelines for a stress-free ride!

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Mortgage Rates are Dropping - Should I Refinance?4/23/2019

Are you thinking about refinancing your mortgage? Rates are low right now, but there’s a lot more to think about than just that. Get the info before you decide!

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Home Improvement Hacks4/18/2019

You don’t need to spend a fortune to give your house a new look this spring. Read on for a list of home improvement hacks and learn how to upgrade your home on a budget.

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How Can Refinancing My Car Benefit Me?4/11/2019

Car owners typically refinance for one of three reasons: to lower monthly payments, to save on interest charges, or to get cash to cover an expense or help manage other debt. To determine whether refinancing makes sense for you, take a good look at your current loan and financial picture.

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5 Ways to Spring Clean Your Finances4/9/2019

Spring is here! Time for some spring cleaning of your finances! From getting rid of debt to getting your savings on track, we’ve got tips to help!

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How To Start The Homebuying Process4/2/2019

If you’re thinking about purchasing your first home, you may feel overwhelmed or confused on where and how to start. What are the first steps? Who should you talk to first? What professionals should you use?

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7 Signs You're Living Beyond Your Means - And How to Fix Them3/28/2019

Does life just seem too expensive? You might be living beyond your means. We’ve got 7 ways to tell if you are, and tips to help you get your money back in line!

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4 Reasons to Use Online Bill Pay3/26/2019

Wishing you didn’t have to write another check to pay your utility bill, gardener, or homeowner’s association? We’ve got the solution that saves you time and money—online bill pay.

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Personal Loans: Keep Your Borrowing in Check3/21/2019

Personal loans are a low-cost alternative to credit cards or other high-rate loans. If you've got bills you want to consolidate, or an emergency arises that you don't have the savings for, a Personal Loan with MCCU may be your solution. 

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Mechanical Breakdown Insurance (MBI): What Is It and Do I Need It?3/14/2019

Auto insurance is required in most states. It makes sense to protect your investment and yourself and others in the event of an accident. But what happens when your car just stops working or something breaks? Those situations aren't covered under traditional auto insurance, but can be costly and inconvenient none-the-less.

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7 Steps To Purchasing an Auto Insurance Policy2/28/2019

Looking for a new auto insurance policy? We've got tips to help you with the process!

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Your Complete Guide to Homeowners Insurance2/26/2019

Lost in the homeowners insurance maze? Balancing coverage with premiums and deductibles can make your head spin. We’ve got tips to help!

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College Students: Be Smart about Credit Cards2/21/2019

When you get to college, you start getting hit with multiple credit card offers. Read on for some tips to manage your credit wisely.

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5 Ways to Pay Off a Loan Early2/19/2019

Want to get out of debt? Who doesn’t? You can take small steps that add up to big interest savings and earlier repayment. We’ve got the info!   

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Top 5 Fuel Economy Tips2/14/2019

Unless you have an electric car, you are shelling out a lot of money for gas. Don't fret - we've got some tips to help you ease the pain at the pump.

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College Scholarships, Grants and Loans - What do they Cover?1/31/2019

Students and their families have plenty of options to consider when it comes to paying for college tuition. From scholarships to grants to loans, filling the gap can be a confusing proposition. Before deciding what options are right for you, there are a few important tips to keep in mind.

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7 Reasons Not To Skip a Home Inspection1/24/2019

Found your dream home? Don’t sign anything until you have an inspection! It’ll save you money, heartache and even avoid safety hazards. Read our tips!

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How Your Credit Score is Calculated1/22/2019

Do you know what your credit score is or how it's used? Read on for valuable information on how your credit score affects you.

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Video: 4 Steps to Credit Repair1/10/2019

Consumers are sometimes faced with taking steps to repair tarnished credit. Here are four steps to help make that happen.

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Do I Need an Emergency Fund and a Rainy Day Fund?1/8/2019

Do you have money saved in case of an emergency? Rainy day and emergency funds are a must, and we have tips to help you set them up and feed them!   

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6 Ways to Earn Money Online1/3/2019

Want to make money online? Who doesn't? From taking surveys to being a consultant, we’ve got several ways to fill your wallet from your keyboard!   

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Financial Goals for the New Year1/1/2019

It's a new year and now is the time to think about your financial goals. Read on for some helpful tips!

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6 Financial Mistakes People Make in Their 20s12/27/2018

If you’re realizing that your 20s are behind you and the party is over, we’ve got ways to get your money life back in order for your future!

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Making the Holidays Count12/25/2018

Happy holidays! We’ve got great tips on how you can make the most out of your holiday break time while still having plenty of fun.

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New Year's Resolutions for 201912/20/2018

New Year's Resolutions don't have to be about losing weight or finding love. They can be all about your finances too! Set up some realistic goals for yourself for 2019 and have a financially happy 2019!

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5 Ways to Improve Your Credit Score12/18/2018

Having a good credit score means you'll have access to better interest rates when you need a loan. We've got tips to help you improve your score!

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7 Scams to Watch Out For This Holiday Season12/13/2018

 Don’t let holiday scams spoil your happiness! We’ve got warnings that will help you steer clear of all the naughtiest crooks looking to ruin your joy! 

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Tax Reform 101: 5 Reasons You Should Start Planning12/11/2018

Learn about important tax changes, plus as a MCCU member, you can save money on TurboTax products!

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What You Need to Know About Inheriting an IRA12/6/2018

Inheriting an IRA can have a host of tax implications and brings a ton of requirements. We’ve got quick guide to help you make best use of your new IRA!

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How Should I Fund My Holiday Shopping?11/29/2018

Is holiday shopping turning your happiness into a lump of coal? We’ve got tips to keep your debt load low and your spirits high this season!

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Reduce Your Holiday Stress11/20/2018

Your shopping list is a mile long. Your social calendar is jam-packed. Your patience is wearing thin, and your budget is stretched to the max! If your holiday mantra is “Bah humbug” rather than “Ho ho ho,” try these tips to reduce your stress and enjoy the season.

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Why Do I Spend So Much Money Shopping Online?11/16/2018

Online shopping can eat up your budget if you’re not careful! We’ve got plenty of info on how retailers trick you into spending and how to beat the game.

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5 Tips for Staging Your Home to Sell During the Holiday Season11/8/2018

Selling your home this holiday season? Staging your home can increase the likelihood of a sale, and attract more potential buyers. Read on for some tips to help you successfully stage your home during the holidays!

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7 Ways to Save on Thanksgiving Costs11/1/2018

Thanksgiving doesn't have to chew a hole in your budget! We’ve got great tricks to cut costs dramatically.

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How Not to Bust Your Holiday Budget10/30/2018

Parents want their kids to have the best holiday ever, and that sometimes means getting them everything on their holiday shopping list. But how can you balance giving them what they want and not breaking the bank? We've got some helpful tips to do just that!

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Holiday Hacks for Traveling College Students10/23/2018

Headed home for the holidays but strapped for cash? We’ve got tips to help you go in style!

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Financial Tips for Single Parents10/19/2018

Single parents face the same budget and finance issues as couples, but they go it alone. We’ve got tips to help you get control.

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Video: How Much Should I Save?10/16/2018

Saving money for a rainy day is a smart idea. But how can you do that on a limited budget? We'll show you some tips on how you can save and how much you should be saving!

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Creative Ways to Save on Energy Costs10/11/2018

Even though Summer is over, now is a good time to put into place good energy-saving habits.Try these simple steps to get your bill under control.

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Video: What is Budgeting and Why Is It Important?10/9/2018

Do you know how much money you have to spend on clothing, vacations or even your weekly Starbucks run? With a good budget in place, you'll ensure you won't overspend and leave yourself in a financial bind. 

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Beware of Mortgage Fraud10/5/2018

If you’re buying a new home, you’ll want to read our alert about a scam that could cost you big. Get the info on avoiding mortgage scams! 

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When Debt Consolidation Can Be a Good Move10/2/2018

Credit card balances, personal loans, student loans and more – anyone with debt knows it can get overwhelming. Read on for some helpful tips to consolidate your debt and pay it down faster!

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How to Save for a Down Payment on a Home9/26/2018

Find out some easy tips to save up for a down payment for your next home!

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Bridge Loans: Looking to Buy While You Are Selling?9/13/2018

Buying a home is thrilling and exciting and terrifying all at once.  Add in the fact that you haven’t sold your current home, and there are many more moving parts to your transaction.  In a hot real estate market, sometimes you have to jump in and make an offer before you’re quite ready (or able) to sell your current home.  If you have a hefty savings account and income sufficient to qualify for both of your mortgages, it might not be a problem, But for millions of homeowners, this scenario requires a different solution. 

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Q&A: New Cars vs. Used Cars9/11/2018

New car or used? It’s a tough decision, with advantages and disadvantages on both sides. Let us help you with our handy guide, and great credit union financing! 

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Should I Refinance Before I Retire?8/14/2018

Should you refinance your home before retirement? If you pick the right mortgage, you can reap significant rewards! We can help!

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Video: Money Hack - How To Save on Your Mortgage7/19/2018

Want to refinance your mortgage or get a new loan? Find out more about our Mortgage Loans today!

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What's the Best Way to Finance a Home Renovation?7/17/2018

Time to fix up your home? Before you take out a personal loan or run up a credit card, check out home equity lines of credit. A HELOC might be just the thing!

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How Many Credit Cards Should I Have?7/12/2018

Credit cards affect your FICO score, but how many should you have? The answer is kind of twisty, but we’ve got tips to help boost your scores!

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Zero Percent Financing: What You Should Know Before You Shop6/28/2018

Does it make more financial sense to take the 0% financing or the rebate when I'm shopping for a car? Read our latest blog post to find out!

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8 Steps To An Energy-Smart Home6/26/2018

Want to make your home energy smart? Read on for some valuable tips! And, get information on our Home Energy Loans!

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Getting Married? Here are 5 Ways to Budget for Your Wedding!6/19/2018

It’s your wedding day! Can you save money on everything that goes with it? Absolutely! We’ve got tips and tricks to make your Special Day a bargain!

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Student Discounts!6/14/2018

Take some of the cost out of student life with huge student discounts from companies like Amazon, Microsoft and Adobe. Who says you can’t catch a break!

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Debit Card Safety6/5/2018

Your debit card is a great way to pay, but be smart about where you use it! A little caution can go a long way to protect your financial information.

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Money Tips: What to Grab and What to Skip in June5/30/2018

Ah, June! Summertime, and the shopping is easy! We’ve got the insider info on what to buy and what to skip in summer’s first month.

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Saving Smarts - Teaching Kids Smart Money Management5/25/2018

We want our kids to be money savvy. Our latest blog post offers tips for conversation starters and more for you to teach your kids money skills! 

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Should I Refinance My Home Mortgage?5/22/2018

Want to refinance your house? It can save you thousands, but be sure you’re doing it for the right reasons. Our guide will help you decide!

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4 Ways to Bring Your Dream Kitchen to Life5/15/2018

Looking to freshen up your kitchen? It’s less expensive than you might think to give the hardest-working room in your house a new look!

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Mother's Day Savings5/8/2018

Did mom teach you to be thrifty? Show her you were paying attention with a thrifty Mother's Day celebration. Show your love AND your good sense!

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How Should I Use My Tax Refund?4/24/2018

Got your tax refund? You might be tempted to spend it all, or maybe your friend needs a loan. We’ve got some better ideas!

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Video: Why You Should Get Pre-Approved for a Car Loan4/19/2018

Get pre-approved for a MCCU Car Loan now!

Want to skip the Dealer trip? Shop for your new car now with Autoland!

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Buying a Home: The 20% Down Myth4/17/2018

Contrary to what most people think, you do NOT need 20% down to buy a house! See our tips on other mortgage options, and on why a lower down payment might be a great idea!

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5 Things to do Today to Help Your Future4/12/2018

College can be fun, but it’s also time to prep for the real world! Read our tips and you’ll be a big step ahead when it’s time to graduate and go job hunting!

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How To Fund an Emergency4/10/2018

Got a money emergency? From personal loans and credit cards to 401(k) loans and borrowing from family, you’ve got options … but choose carefully!

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7 Ways to Spring Clean for Extra Cash4/5/2018

Don’t let spring cleaning get you down! You can sell your excess stuff of all types to make some extra cash after you clean. We’ll show you how!

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Why Choose a Credit Union?3/27/2018

Fed up with fees and poor service? Looking for great service and better rates on loans and deposits? Join a credit union!

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A Dozen Tricks To Sell Your Home Quickly3/21/2018

 If you’re getting ready to sell your house, we’ve got 12 tips that will help you get a buyer quickly and sell for a great price! You’ll be closing in no time!

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Saving on Home Renovations3/14/2018

Is it time to remodel your kitchen? We’ve got tips that can save you thousands of dollars and still leave you with the gourmet enclave of your dreams!

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How To Use the Money Envelope System3/9/2018

Monthly budgeting is a necessary evil, but the envelope system can make it easy! Split up your money, spend carefully and don’t cheat and you’ll do great!

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Ready, Set, Go.... to College!2/2/2018

The process of a child leaving home is a major milestone that is made extra complex because of the emotions it generates. The reality, though, is that there are some very concrete things that can be done to smoothe this transition.

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Energy Saving Tips What To Look For When Buying New Appliances1/22/2018

Don’t let a new appliance drive your power bill up! We’ve got tips to help you pick the right one for your needs!

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In our 20s and 30s, we think we’re invincible, but illness or job loss can happen at any time. Start a small system of saving to build an emergency fund that covers your expenses for at least three months.

#6: Not having adequate health insurance

While health insurance is expensive, it’s irresponsible and short-sighted not to have sufficient coverage. Health insurance isn’t optional, and young people are the first to ignore this rule. The cost may seem prohibitive, but it comes back to priorities and future planning.

Your turn: In your 20s and 30s, did you make some mistakes you regret? Or, are you in this age bracket now and have questions about setting your priorities? Share your questions or words of wisdom here!



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