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HRCCU Blog

5 Ways to Practice Good Spending Habits

Posted by HRCCU on May 6, 2020 5:34:02 PM

It can take a bit of time to develop smart, positive spending habits, but the benefits of doing so are endless.

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Topics: Saving Money, budgeting

Long Term Budgeting: Planning Past the Present

Posted by Katie Koke on Jan 20, 2020 11:00:00 AM

Successful budgeting can be difficult, even when you’re only thinking about things on a month-to-month basis. Things can get overwhelming when you start thinking about budgeting in the long-term for bigger expenses. For example, like a future home, paying for college, or retirement- in the future. But it doesn’t have to be! In fact, long term budgeting isn’t fundamentally all that different than short-term budgeting; it just requires a little bit more work and commitment. Here are a few tips for creating a long-term budgeting plan that can keep you on track for those big purchases you want to make down the line. 

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Topics: Member Resources, budgeting, planning

Lump Sum vs. Installments: Which Makes Sense for You?

Posted by Katie Koke on Dec 9, 2019 11:00:00 AM

When it comes to footing the bill on larger expenses there are usually two routes that you can go: you can pay in a lump sum (one large payment) or in installments of payments (usually on a monthly basis.) Each has certain benefits and certain drawbacks. While they are available options for each person your own personal money situation will be the biggest determinant in whether or not you are choosing to pay off an expense as a lump sum or in smaller installations. But how do you know which makes the most sense for you? 

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Topics: Member Resources, budgeting

4 Steps to Becoming a Mastermind on Budgeting

Posted by Katie Koke on Dec 2, 2019 11:00:00 AM

If you’re just starting to really get into budgeting money you may be in a bit of a frustrating situation. You want to be an absolute pro but you don’t know where to start. Don’t fall into despair quite yet. Becoming a total mastermind at budgeting takes a little bit of practice and patience, but if you follow these steps you’ll be an expert budgeter in no time! Here are our 4 tips on becoming a budgeting mastermind. 

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Topics: Saving Money, Blog, Member Resources, budgeting