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    Save Smarter

    Money Master or Financially Challenged? Presented by Member One Federal Credit Union With the inevitable uptick in holiday spending in sight, it’s high time to check in on your money management know-how. Many people might think they have a solid grasp of their finances, but there are certain key pieces you should have in place to truly be considered a financial pro. Below are five checkpoints to help determine if you’re really the money guru you think you are. You’re aware of your income and expenses. If you track how much money is coming in and going out each month, consider yourself a smart money manager. Failing to be in…

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    Save Smarter – Financial Fitness for Youth

    6 Tips to Guide Children through a Healthy Relationship with Money Presented by Member One Federal Credit Union With school out for the summer, the kids are likely hanging around the house more than usual. Your little audience is watching and probably soaking in more than you realize—which includes how you manage finances. Healthy financial habits begin at a young age, so what better time to teach responsible spending and saving than during a break from the daily grind of school? Here are a few ways to help your kids get started on the path to financial success. Set an example.  Parents who make poor financial decisions like impulse purchases, excessive…

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    Save Smarter

    Four Reasons to Buddy Up with a Credit Card Combined with responsible spending, these tips could help improve your financial wellness. Presented by Member One Federal Credit Union High-interest rates, nasty fees, or the inability to pay back debt—all can leave you feeling glum when it comes to credit cards. Cheer up! Credit cards don’t have to be your worst financial enemy. If you educate yourself, you’ll discover how befriending your credit card, while spending responsibly, could actually benefit your overall financial health.  Build and/or improve your credit. Are you planning to get a loan for a car or a home? That loan will depend on your credit score. By using a…

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    Avoiding a Financial Doomsday

    A major car repair, job loss, or medical emergency—all are scary realities and could lead to financial ruin unless you’re prepared. While these misfortunes are often unpredictable, there are things you can do to prevent financial catastrophes. With a new year on the horizon, now is the perfect time to get your emergency fund in place. Build up your emergency fund. According to financial experts, you should have three to six months worth of living expenses saved in an emergency fund. This should protect you in case of a job loss or another unexpected financial hardship. While that amount might seem daunting, you can start small. Make a goal of…

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    Member One: Credit Score Quick Guide

    It’s one of the most important numbers linked to your identity: your credit score. But are you fully aware of why it’s so significant, and what constitutes a good credit score? Read on for a brief explanation of what it is and tips for improving it. What is it? Your credit score is a number that ranges from 300 to 850 and, along with repayment history, is an indication of your creditworthiness. Anything above 700 is generally viewed as good credit and signals to potential lenders that you’re more likely to pay back your debts on time. Why should I care? A credit score helps determine whether you’re approved or…