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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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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How You Can Cure a Post-Holiday Financial Hangover

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The holidays are known to deliver blows to checking accounts across the country. No matter how hard consumers try to stick to a budget, many wind up overspending on gifts, travel and food. Last year, 38% of shoppers who set themselves a limit exceeded it, according to a Consumer Reports survey. If you stray this season, you don’t need to let the financial missteps spell disaster. Here’s a look at several ways to help pay off any debt you’ve accumulated during the past several weeks.

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It’s happened before. You spend all December shopping for gifts and groceries and entertaining guests — and when you look at your credit card statements in January, you can’t believe how much debt you’ve accrued.

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Holiday Shopping – Bah Humbug!

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I don’t like to shop, especially this time of the year, when parking lots are full, lines are long and tempers short. I do all I can to avoid stepping foot in a shopping mall or big box store. And I suspect I am not alone when it comes to procrastinating. After all, my family really doesn’t need more “stuff,” but there is nothing worse than the prospect of long faces that holiday morning to motivate me.

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