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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:

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.

Sometimes school activities can interfere with holding a part-time job, or maybe you’re simply not old enough to begin working yet. Whatever the obstacle, here are four realistic ways to make extra cash:

1) Winter weather brings excellent business opportunities. Go to every house in your neighborhood and ask if you can shovel their driveway for $10 to $30, depending on the length of the driveway. Some people are uneasy about one person approaching their door and offering services so it may be best to round your friends up and work together. Working with your friends may be a better approach because it is safer, more efficient, and may not put off potential customers. If you do your job well, you will likely have loyal customers in the future.

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!

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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