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Your parents do a lot for you, so you may be asking yourself what you can do to help them out. As a member of your household, there are plenty of things you can do that will make a world of difference, not only for your family, but sometimes for the environment too.

Be sure to tell your parents about your changes. They will be very proud of you, and they may make some changes as well.

Categories: Credit, Identity Theft

Where is YOUR wallet? 

Whether you have already vacationed for spring break, or you are planning a trip for the summer, it's never too late to learn about a mistake that could turn your dream vacation into a nightmare. So listen up! We have a small tip that will make your college vacation more about fun, and less about straightening out your stolen identity.

Categories: Budgeting, Credit, Saving, Spending

It's the end of April and spring is finally here – well, sort of. The weather may not be cooperating in the mid-west, but we doubt unpredictable weather will hinder planning your dream vacation for this spring or summer.

Vacations can be good and bad – they allow for a change of scenery, exploration, and relaxation. However, vacations can also break the bank, especially since a lot of Americans resort to using their credit cards to pay for them. It doesn’t have to be that way; there are a couple of easy things you can do to ensure you have the money for your getaway.

 

If you’re thinking about doing a few home improvements, you may want to consider what will give you the best return on your investment down the road.

According to the Remodeling 2013 Cost vs. Value Report (www.costvsvalue.com)*, you will recoup the most cost from a steel entry door replacement and a garage door replacement in the Indianapolis area. These two improvements may not be at the top of your list, but you’ll recover about 79.3% of the entry door cost and 68.7% of the garage door replacement cost. Entry door replacement even ranks as the number one project in the U.S. for a return on remodeling. Third runner up is a minor kitchen remodel. You’ll potentially earn around 66.1% of the amount you put into it (ex. paying around $18,433 with a resale value of $12,193).

Categories: Planning, Saving

There’s no hiding it: babies are expensive. If you haven't started a family yet, you’re probably wondering how you will be able to afford it.

A long list of prerequisites shouldn’t be your main focus. It’s not about solving every single household issue before having a baby. It just takes a loving couple who is willing to work out their finances, together. Here's a list of things you should take care of before having a baby:

 

Categories: Updates on FORUM

MADISON, Wis.—The Credit Union Executives Society and Michael Neill & Associates, Inc., Atlanta, congratulate Cheryl Wood, Assistant Manager, and Chris Ferguson, AVP/Retail Delivery, from FORUM Credit Union in Indianapolis, who won $1,000 in the “Catch ‘Em Doin’ it Right” contest.

Categories: Credit, Finances

You see them advertised all the time on TV, prepaid debit cards have transitioned from an unattractive financial product to a product endorsed by some of the most popular celebrities.

Originally, prepaid debit cards were designed for people who do not trust banks and cannot afford to keep minimum balances in their account. The prepaid method allows people to hold different balances and “avoid monthly fees,” since some banks charge $15 just for a checking account, and that doesn’t include if you accidently overdraft.

Categories: Homeownership, Spending

The process of improving your home can be very exciting because it allows you to make your home unique to your tastes. But if you don't do things correctly, you could be out a large chunk of money and hinder the ability to sell your home at a later date.

Here are some simple things to avoid so you don't fall into the home improvement money pit:

FORUM Credit Union in Indianapolis, Indiana is federally insured by the NCUAFORUM Credit Union in Indianapolis, Indiana is an Equal Housing Opportunity lender
Federally Insured by NCUA