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There are a lot of important events that take place over the course of our lifetime. Marriage, buying a home, and having your first child are all events that are very exciting but also very stressful.

The excitement combined with the stress can lead us to rationalize very poor financial decisions by saying things like, "Well you only get married once," or, "Just getting one more thing for the new baby won't hurt." It's important to keep your emotions under control during these milestones so you don't end up in financial hardship.

Categories: Budgeting, Saving, Spending

It’s not surprising that the convenience factor of online shopping has made it very popular among consumers. Although convenience plays a huge role in its popularity, there is something else to mention: your ability to compare prices of products. These things work in the favor of the value-conscious consumer. Let's dig a little deeper:

The Comfort from Reviews.
Even if you don't want to buy a product online, reading reviews can help. It’s really difficult to get information on something when you’re at the store. The odds of finding someone who has purchased the same thing are small. Fortunately, this is where online comparison shopping comes to the rescue. You can simply type in the name of the item into a search engine and see numerous reviews from people who actually have experience with the item.

Categories: Budgeting, Saving, Spending

“Budget” is an intimidating and depressing word for many because it requires facing the reality of your not-so-perfect spending habits. For this blog, let’s refer to a “budget” as a spending plan… maybe that will ease the pain a little.

Coming up with a spending plan doesn’t have to be painful. Incorporate these tips into your spending plan, and you'll see why:

We live in a world where the pressure to spend money is stronger than ever. Everywhere we go, we are surrounded by advertisements. Advertisers have strengthened their ability to make people want something, usually by making us feel like we need it. Sometimes the feelings we get after seeing an ad make it really hard for us to resist impulse buying and prevent us from saving.

Why save if you have enough money to buy everything you want? Well, different people save for different reasons. For your stage of life, you’re likely thinking about a car, a trip with friends, money for college, or an item you really want but can’t afford at the moment.

Not knowing where your money is going can spark a lot of arguments. Time spent with your significant other should not be filled with resentment over finances. Besides, who wants to argue on Valentine’s Day, anyway? Here are three things to keep in mind so you can enjoy time with your significant other:

Categories: Budgeting, Saving, Spending

1) “Better” name doesn’t mean better quality.
Stop searching for brand name products. Generic products often consist of the same ingredients. Are you having trouble finding them? Start looking on the bottom shelves at the grocery store. Stores purposely put more expensive products at eye level.

2) Check for accuracy.
A very common mistake is not paying attention to ensure items are ringing correctly. Save the distraction of digging in your wallet for the very end. You may catch a mistake and save a few bucks.

Categories: Budgeting, Saving, Spending

With the “Big Game” just around the corner, family and friends may be expecting you to throw a winning party to celebrate the special occasion. There is only one problem: you’re short on cash. Don’t fret; a tight budget won’t stop your party from being a touchdown. Here are 4 easy ways to save money on your party this year:


Don’t be Blindsided by Expenses. Buyer’s remorse can be very aggravating. Making a budget allows you to see where you’re spending money and prevents spending too much in one area. Many websites offer budget templates you can print for your own use. Check them out!

With the New Year comes new resolutions, and if you are like most people, your finances could use some help or maybe a complete overhaul. Here are a few ways to improve your finances this year.

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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