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Categories: Budgeting, Spending

Let’s face it, budgets have a terrible reputation because they deprive  you from what you love. But is that really true?

Every so often it's good to have a plan, especially when it comes to finances.

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: 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.

 

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:

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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