MembersFirst Credit Union: Blog
4 Steps to Pay Yourself First
Pay Yourself First, or “PYF”, is a principle most successful savers use. It’s a “bill” you owe yourself for saving and an effective strategy because it helps you reach your goals quickly and effortlessly. Read on for the 4 Steps to Pay Yourself First.
All You Need to Know About Buying a Used Car
Buying a used car doesn’t have to be scary if you know the right steps to take to ensure you’re getting a great car and a great deal. If you’re in the market for a deal on used wheels, follow these steps for a smoother ride!
How My Score is Calculated
Ever wonder how your credit score is actually calculated? Several factors make up the biology of your score and the more you know about each one can help you make wise borrowing decisions. Watch this video to learn more.
6 Reasons to Create and Stick to a Budget
Need a little reminder why budgeting isn’t such a bad thing? Check out these 6 reasons to create and stick to a budget. Share the infographic with a friend you think might need a little budgeting boost-up. Don’t forget we’re always here to help you reach your financial goals.
What to Buy and What to Skip in February
Are you looking to snag some bargain buys this month? We’ve got you covered! Use our tips to learn what to buy and what to skip for the best deals this February.
How To Set Up Your Home Office On A Budget
Whether you have an entire room to dedicate as your office, or a small closet to call your own, the home office is an integral piece of any home-based workspace or business. And, the good news is you can do it all on a budget. Read on for 4 great tips (plus free printable) to frugally frame out a great workspace at home or otherwise.
Don’t Answer Calls from These Area Codes
Did you know robocalls can cost you money without selling you a thing? If you call back on a one-ring call or call a chat line if you live in a rural area, you can find yourself on the hook for a big bill. Remember these tips the next time an unfamiliar number calls you.
Don’t Get Spooked by these Scams this Halloween!
That cackling, long-haired witch might send your heart fluttering with fear, but these Halloween scams are even spookier! Here’s what to know about some common frightening scams.
Brown-Bag It Tuesdays?
Why blow your budget on restaurant food when you can prepare your own for so much less at home? You just might like this approach so much, you’ll decide to brown-bag it more often!
The Promises and Perils of Buy Now, Pay Later
If you shop online, you’ve seen a “Buy Now, Pay Later” offer everywhere from Amazon to Walmart. The idea is simple: buy a big-ticket item and split the payments up over time. Even retail stores are getting into the act. #BNPL is interest-free, and it can be a good way to get something you really need in hand quickly. Where it’s a problem, though, is if you use it too much or for things you don’t really need and fall behind on the payments. Interest rates as high as 40% can kick in, along with some huge late-payment fees. Use BNPL if you need to, but use it wisely and make sure the payments are part of your monthly budget.
Click the image above to learn more about this purchase strategy.