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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

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

3 Ways to Save on a Halloween Costume

Posted by Katie Koke on Oct 28, 2019 11:00:00 AM

One of the most fun parts of the autumn season is Halloween, and one of the best parts of Halloween is being able to dress up! There’s only one problem: if you’re on a budget a lot of those especially cool Halloween costumes also tend to come with a big price tag. Luckily that doesn’t have to be the case. With a little creativity and thought you can save yourself a couple dollars and make a killer Halloween costume while doing it! Here are 3 ways to save on a costume this Halloween. 

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Topics: Family, Saving Money, Savings Account, halloween, fun

4 Steps to Summer Savings

Posted by Adam Rossi on Jun 24, 2019 11:00:00 AM

Warm beaches, local festivals and summer trips! There’s no question that the summertime opens up all kinds of options that are unique to the season. While the opportunity to spend more time outdoors definitely has its perks, it does come with one caveat - that itch to go out and do more can also have a hefty price-tag. Luckily that doesn’t have to be the case as there are tons of things to do in the summer months that can scratch that adventurous itch. Here are four steps to saving this summer.

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Topics: Saving Money

The Beginner’s Guide to Saving With CDs

Posted by Samantha Meurs on Jun 17, 2019 11:00:00 AM

When you first see the acronym, “CD”, what comes to mind? Your brain may jump to the old compact discs, a now antiquated music listening format that reminds you of younger days when almost everyone had a Walkman CD player. While compact discs might be a thing of the past, there’s another meaning to the acronym that isn’t going out of style anytime soon which is a certificate of deposit. If you have never used - or have even heard of - this kind of CD, believe us when we say that you are not alone. That is why we have developed this guide for you to better understand what they are and how to use them to your benefit.

After all, a CD can be a great way to grow a healthy amount of savings - you just need to know where to start.

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Topics: Certificate of Deposit, Saving Money

3 Money Mistakes Millennials Need to Stop Making

Posted by Adam Rossi on Apr 8, 2019 12:28:17 PM

Finding the right balance when it comes to money can be difficult, especially when you don’t have a lot of knowledge on how to properly manage your finances. This has been particularly relevant for millennials, many of whom are burdened with big student loan payments, and have lived through both the burst of the dot com bubble and the recession in 2009.

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Topics: Saving Money, Savings Account

How to Start Saving When You’ve Saved Nothing

Posted by Adam Rossi on Mar 27, 2019 10:00:00 AM

Conventional wisdom is that you should start saving as soon as you can. While the sentiment of establishing savings early on is a good one, the reality is that it’s not always easy: whether it be your financial expenses or confusion about how you can start really saving some money, building a healthy amount of savings can feel like something in a far-off future instead of something you can start doing in the present. That doesn’t have to be the case. Even if you feel like you can’t save, you might be surprised to find that you have more to contribute to a savings account than you would believe. While it might require some penny-pinching and lifestyle changes, starting somewhere is better than not starting at all.

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Topics: Saving Money

Financial Tips for 2019 New Year

Posted by Tyler Moseman on Feb 27, 2019 3:47:24 PM

 

When choosing our New Year's resolutions, a lot of us want to do better with money. Whether that's saving more, spending smarter, or exploring new investments - devoting more time to your finances is always a sensible resolution (at any time of year, really)

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Topics: Credit Card Debt, Donation, Consumer, Debt Consolidation, Credit Score, Saving Money, Savings Account, Online Banking

Fun Money Saving Tricks

Posted by Tyler Moseman on Jan 8, 2019 4:44:33 PM

Put $52 aside the first week you start; $51 the second week; $50 the week after that and so on… It’s a lot of money at the beginning, but that weekly amount continues to lessen over time and at the end of the year you’ll have an extra $1,378.

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Topics: Saving Money, Savings Account