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Ideal Credit Union

Whether its a new checking account, mortgage refinance, or just life in general, Ideal Credit Union's blog offers personal finance and money management information that's enlightening.

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If you need to finance a major purchase or project when you’re short on cash, you might be able to tap a resource you didn’t realize you could: your home. Home equity loans let you borrow against your home’s value. To decide whether such a loan can be productive for you, it’s good to know how it works and how much you can borrow.

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215

First of all, I’d like to congratulate the recent high school graduates and their parents/guardians! You’re now one step closer to taking the next step towards the “real” world. Where will your next step take you?

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263

Helping others comes in many forms. You can help out a friend in need, help your grandparents with yard work, donate funds to a local charity, the list goes on. These are all great deeds that I encourage anyone to make part of their daily lives. However, one special form of helping others is volunteering. There is something exceptional about people who give up their time, and a peace of their heart, to help others who in most cases may be complete strangers.

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184

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As another school year draws to a close, you’re probably more than ready for a break. Although you’ll benefit from some rest and relaxation, the following months can also be invaluable for bolstering your skill set and making the kinds of connections that could help you land a job after graduating. Here’s a look at how to make the most of your summer vacation.

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174

I’m one of those people who don’t need a new car every few years. I wanted to drive my SUV until it died to avoid an unwanted monthly expense for a car payment. That was a great plan until WHAM – me and the pizza delivery guy collided totaling my car-payment free SUV.

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120

Schools are great for learning the three R’s — reading, writing and ’rithmetic — but don’t look to them to provide an education in financial literacy. Most of the time, that kind of practical life skill is taught at home. Here are some ways to raise money-smart kids.

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171

b2ap3_thumbnail_MCD.pngWhether your financial institution is across town, down the street, or in my case, downstairs from your office, we’ve all heard the question, “So, have you cashed that check yet?” Well, with the magic of Mobile Check Deposit, this awkward situation can finally be put to rest! For instance, next time my grandmother hands me a birthday check, I’ll deposit it right before her eyes rather than a week and a half later. You’re welcome, Grandma.

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136

Tuesday is senior day at the thrift shop next door. Shoppers age 55 “or better” receive 40% off their purchases. From my office I have a birds-eye view of the bargain hunters. The parking lot is always packed so often seniors have to walk from the adjacent fast food lot to scope out the deals. Despite limited mobility for a good percentage of them, it’s amazing how fast they traverse the lot to get in on the deals.

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212

Losing your job can be a severe emotional blow, as well as a financial one. While your search for a new career opportunity will command most of your time, there are some money strategies you’ll want to consider in order to keep the potential damage to a minimum.

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217

I am a saver. In fact, my family accuses me of being cheap. I like to think of it as frugal but truth be told, I am tight with a buck. I grew up in a one income household, and my mother was a wizard at making money stretch. My dad would bring home his paycheck and my mother would work her magic. I watched her meticulously pay the bills and balance the checkbook every month. Despite a tight budget, there was always food on the table, a roof over our heads and clothes to wear. I never went without something I really needed. I felt very fortunate.

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