It seems that you can’t turn on the news without hearing about the new ways fraudsters are trying to obtain your personal information or take your money. And with these scammers getting smarter and more clever everyday, it can be hard to know what’s real and what is an attempt at taking advantage of you. […]
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The day has finally come – graduation! You have your cap and gown, ready to take the next big step in your life. But there’s something you may not have learned in all your years of schooling…the ABCs of Banking! Moving on to college, trade schools, or starting a new job brings about a lot […]
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So you’re in the market for a car, but are unsure of whether you should lease or buy. Both options have their pros and cons – it really all comes down to your lifestyle and needs. First, it’s important to understand what leasing and buying means. Leasing is a type of financing which allows you […]
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Every April we celebrate Credit Union Youth Month, a time dedicated to educating and engaging young people about financial wellness and responsibility. In a world where an overwhelming amount of information is available at our fingertips, it can be hard to navigate how to teach your kids about money – especially if you struggle with […]
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The onset of March means two things: 1) March Madness® is upon us. 2) It’s National Credit Education Month! When it comes to making decisions about your finances, it’s not always as simple as picking your brackets by your favorite mascots or the team’s colors. This National Credit Education Month, we are here to help […]
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Do you have déjà vu each month when your bills become due? Do you feel like Bill Murray in the 1993 comedy classic Groundhog Day – no matter what you do you can’t seem to break your own predictable and unhelpful financial habits? Whether Punxsutawney Phil forecasts an early or late spring come February 2, […]
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Sometimes the onset of a new year is just what you need to motivate you to take control of your financial health and planning. Do you have any financial new year’s resolutions? Here are a few ideas of resolutions to set for 2024 if you don’t already have these in place: Create a budget – […]
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You’re about to finalize your online holiday gift purchase and you see a “buy now, pay later” payment option at checkout – though you’ve budgeted for your holiday expenses, the prospect of not having to pay for all these gifts right now sure is tempting. But is it worth it? “Buy now, pay later” (BNPL) […]
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The holiday shopping season is upon us! It can be a joyful but expensive time of year. Being savvy with your shopping and savings strategies can help you make the most of your holiday budget – here are some tips to consider: Set a budget and track your expenses – determine how much you can afford […]
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Being aware of the warning signs that a scammer is trying to access your financial or personal information for nefarious purposes is essential in today’s digital world. As technology evolves, so do the scams; here are some solid cybersecurity practices that you can use to protect yourself: Use strong, unique passwords: Create complex passwords […]
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Let’s be honest – we love our subscription services! Whether you use them to help plan your weekly meals, find great deals on flights, listen to audiobooks, or have access to thousands of movies and TV shows – subscriptions make our lives easier and more enjoyable. But are you really getting your money’s worth out […]
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An important part of financial health is planning for future protection of yourself, your family, and your assets with various types of insurance. While the types of insurance and amount that you should be covered for are unique to you and your family, we have some recommendations for the essential types of insurance that most […]
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Congratulations – you just made it through 12 or 13 years of school. PHEW! We know you’ve been busy mastering algebra and studying for finals, but don’t forget about the importance of mastering personal financial management as you enter adulthood. Here’s the rundown on what you should be considering regarding your finances now that you’ve […]
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The summer season is upon us – do you have big vacation plans? There’s no need to break the bank — here are some tips to get the most out of your summer while staying on budget! Set a Budget Determine how much you can afford to spend on your vacation, and stick to […]
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We all know saving is important – but how do you prioritize savings goals in a way that ensures you’re on track to meet your goals, and you’re covered when you need it? Our friends over at NerdWallet have these recommendations for prioritizing competing savings goals: Put Your Emergency Fund First An emergency fund cushions […]
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In 2004, Congress designated the month of April as National Financial Literacy Month. In the credit union industry, we also celebrate Youth Month in April! This fortuitous overlap of awareness-raising financial health initiatives means there is no better time to start teaching kids about financial fitness. And Cutting Edge is happy to help along the […]
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In March we celebrate National Credit Education Month – a complex financial topic such as personal credit may take a longer than a month to master, but understanding the basics is a great place to start! What is a Credit Bureau? In the U.S., there are three primary credit bureaus – sometimes called a credit […]
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Was one of your New Year’s Resolutions to get a handle on paying off your debt? GREAT! If you’re having a hard time getting started, we have some ideas. Debt consolidation might be a good idea if you can get a lower interest rate than what you’re currently paying across your debts. This would […]
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When it comes to passwords, stranger is stronger! Creating strong passwords is more important than ever these days. Scammers, hackers, and cybercriminals have made an industry of information and identity theft. They operate in a variety of ways and the best thing you can do to avoid being a victim is to create strong, complex […]
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This time of year, scams using P2P apps, or “person to person” payment apps such as Cash App, Venmo, Zelle, Meta Pay, etc. are on the rise. While these types of apps are generally secure and convenient to use, here are some scams to be on the lookout for – including some do’s and don’ts […]
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