Ideal Credit Union

Whether its a new checking account or mortgage refinance, Ideal Credit Union's blog offers personal finance information that's enlightening

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Teaching Financial Literacy to Your Kids

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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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Cashed that check yet?

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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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Senior Discounts & Saving for Retirement

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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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How to Pay the Bills After Losing Your Job

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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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Saver or Spender – Which are you?

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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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Credit Unions – Local, Trusted, Member-Owned

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Once a year I get the privilege to represent Ideal Credit Union members at Credit Union Day at the Capitol. The annual event enables credit union advocates from all over the state to convene in St. Paul to share our success stories with our legislators. Collectively, we serve over 1.6 million members in Minnesota, and have much to be proud of.

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It's February. Do you know where your New Year's resolutions are? If you're like most people, you have already given up on trying to exercise more or eat better. I don't like to quit, which is why I don't make New Year resolutions. It's not because I can't keep them, or that I don’t have issues I could work on. It's because I don't believe in them. Changes in habits, behaviors, attitudes, etc., need to happen year-round, not just in the month of January.

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Crabs Like Water

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I was provoked the other night on my way home. I am generally a good natured, fun loving person but this incident brought out a side in me that I thought existed only in closets or under beds.

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A new year brings new resolutions. But although nearly half of Americans resolve to accomplish specific things each year, more people fail than succeed, according to researcher John Norcross, a psychology professor at the University of Scranton in Pennsylvania. There are common keys to success, however, especially when it comes to your financial resolutions. Here are some tips that can help you reach your 2015 goals.

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Cash vs. credit & debit cards

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Cash, credit and debit cards are different ways to pay merchants for nearly all imaginable purchases. However cash and cards have important pros and cons to consider when making purchases.

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