Trying to maximize your savings? That’s smart! But let’s face it, finding the right place to invest that hard-earned cash can be a bit tricky. Why? Well, the financial world can be like a roller coaster – unpredictable and rapidly changing. But don’t worry, we’re […]
View moreWhy the Holidays are a Good Time to Consolidate Your Debts
on Credit , Debt Reduction , Education , Financial Planning , Holidays , Money Management , Personal Loans During the holiday season, you’re likely making a list and checking it twice. But between gifts, travel, and festive celebrations, it’s easy to lose sight of holiday spending and your financial goals. This year, why not add “consolidate my debts” to your wish list? The […]
View moreHow to Use Zelle to Safely Send Money
Zelle® is a fast, safe, and easy way to send and receive money with people you trust, like your babysitter, coworkers, fellow PTA mom, or your son's soccer coach. Whether you just enrolled with Zelle® or have been an active user for a while, there [...] View more
TEGFCU eStatements
Fast. Secure. Convenient. Always Available. Your bank statement is a vital tool for keeping track of your withdrawals and deposits, but more importantly, it also helps you become aware of suspicious activity and possible fraud. Fast – Avoid USPS postal shortcomings, delays, and lost or […]
View moreHow Do Personal Loans Work? [Beginner’s Guide]
If you’re in a situation where you need some extra cash to pay for expenses a personal loan could be the right solution. Click to learn how personal loans work.
View morePersonal Loans vs. Credit Cards
If you need to borrow money to make a major purchase, should you apply for a credit card? Or is a personal loan the better option? If you ask a credit union rep, they’ll say the answer depends on several factors, including interest rates, the […]
View moreHow Much You Can Borrow With A Personal Loan: Guide + Calculator
Personal loans are an extremely versatile financial tool. However, many borrowers aren’t sure how much personal loan they can get. Every financial situation is unique. Plus, many factors go into how much you can borrow. Understanding some quick and easy basics will give you an […]
View moreWants vs. Needs
What is a “want?” And what is a “need?” While everyone has their own wants and needs, being able to differentiate between the two can be difficult. Being able to clearly define each can help you improve your savings, which can help you build up […]
View moreTypes of Expenses
Fixed expenses, variable expenses, and irregular expenses are the three categories that make up your budget, and are vitally important when learning to manage your money properly. When you’ve committed to following a budget, you must know how to put your plan into action. […]
View more4 Ways to Celebrate National Financial Awareness Day
With all the uncertainty and financial ups-and-downs this year has given us, it’s important we take a step back and reevaluate, reassess, and regroup. Financial awareness means different things to different people. For some, it comes with the awareness and monitoring of a savings or […]
View moreHow to Read a Paystub
Having your paycheck directly deposited into your checking account can be super-convenient, but it can also lead to being unfamiliar with your paystub. It’s important to review your paystub occasionally to check for possible errors and review the deductions, as your accountant suggests. No worries, […]
View moreMy Savings has Been Wiped Clean; How can I Replenish it?
Q: The last few months have been really tough on my finances, and I’ve been forced to use my savings for getting by. My emergency fund and savings account are basically zero. Now that my financial situation is starting to improve, I’d like to start […]
View more5 Ways to Pay off a Loan Early
If you’re like most Americans, you probably owe money toward a large loan. Whether that means carrying thousands of dollars in credit card debt, having a hefty mortgage in your name or making car loan payments each month, loan debt is part of your life. […]
View moreHow to Create a Budget in 6 Easy Steps
If you’re always wondering how you’re going to pay the next bill, feel guilty when you indulge in overpriced treats and you can’t seem to find money to put into savings, then you probably need a budget. A budget is not a magic potion that […]
View moreWhy Does my Credit Score Matter?
Your credit score is made up of three numbers, serving as an indicator of your financial history, wellness and responsibility. These three little numbers can spell the difference between approval and rejection for a mortgage, a job, a rental unit and so much more. We […]
View moreHealth Insurance for College Students
Author Kimberly Lankford Young adults can stay on the family health policy until age 26. But if they go away to college and are outside the insurer’s network of doctors, families need to reconsider their insurance options. Q: My son is about to graduate from high […]
View moreSmart Financial Planning Strategies to Borrow from Women and Millennials
on Business , Community , Debt Reduction , Financial Planning , Homeownership , Jobs , Life Events , Money Management , Retirement Author Jean Chatzky We have so much to learn — but so did they. Here’s what they’re doing right. Lately the headlines in personal finance have been pretty bleak — the average 2017 graduate has nearly $40,000 in student loans, millennial homeownership is down, and 39 percent […]
View more11 Financial Moves Every New Parent Should Make
Author Janet Berry-Johnson What’s one thing you wish you’d known about being a parent before you became one? For me, it’s just how expensive having a child can be. When my son was born over six years ago, I knew our expenses would go up, […]
View moreHow Much Money Do You Really Need to Retire?
Consider this your financial planning cheat sheet. Author Marianne Hayes Are you on track for retirement? Before you try to answer that question, consider this: The average 65- to 74-year-old, it turns out, spends close to $49,000 a year. If you’re wondering if your nest […]
View more6 Common Myths About Estate Planning
Sort through the misconceptions of estate planning to create a prosperous future for your family. Author Rachel Hartman While it may be a task that’s low on your to-do list, estate planning can provide guidance for your loved ones in the future. It will also […]
View moreU.S. Trade Deficit Widens
The goods and services deficit was $53.1 billion in December 2017, up $2.7 billion from $50.4 billion in November 2017, revised, according to a new report from the government. December exports were $203.4 billion, $3.5 billion more than November exports. December imports were $256.5 billion, […]
View moreYes, You Should Be Prepared to Negotiate Salary
![the-best-ways-to-loan-money-to-friends-and-family[1]](https://www.tegfcu.com/wp-content/uploads/2017/03/the-best-ways-to-loan-money-to-friends-and-family1-762x320.jpg)
How often do job seekers speak up to secure a better package? Staffing firm Robert Half recently asked this question of professionals, and the results were interesting. For instance, 39 percent of workers tried to negotiate a higher salary with their last job offer. Among people […]
View moreMore Americans Are Buying Groceries Online
Online grocery shopping continues to rise in popularity, according to a new survey from Unata, a provider of digital solutions for grocers. In 2018, 36% of U.S. consumers plan to shop online for groceries, which is up from 22% of those who shopped online in […]
View moreBiz Owners Need a Succession Plan
Over 70 percent of business owners polled in a recent survey for insurer Nationwide noted that they are not planning to retire, don’t know when they’ll retire or do not plan to retire for 11 years or more. This isn’t a good thing, since business […]
View moreIRS warns of potential surge in fake CEO phishing scam
* This article and image was written by Don’t Mess With Taxes and published online on January 19, 2018. With the official start of the 2018 tax filing season just more than a week away, folks have been collecting important tax statements they’ll need to file their returns. […]
View moreEverything You Need To Know About The Equifax Breach
In a recently revealed breach, 143 million Americans may have had their personal information exposed.
View moreFinancial Tips for Single Parents
Single parenting brings unique budgeting challenges. The U.S. Department of Agriculture reports that it costs an estimated $241,080 for a middle-income couple to raise a child to age 18 – and many single parents shoulder that responsibility alone. Even with adequate child support, it’s smart […]
View moreKeeping Friends And Finances: How To Deal With Financially Challenging Friendships
Friends are the family we choose for ourselves. But some friends can be a serious drain on your savings. If you recognize these kinds of people in your life, it’s hard to know what to do. Here are several examples of financially dangerous friends and […]
View moreDon’t Panic: Filing Taxes As A College Student
Imagine skipping a day of class, then coming into the next session and seeing a test. You open the packet and see what appears to be gibberish staring back at you. Everyone else around you seems to have a perfect grasp of what’s going on, […]
View moreFinancial Self Defense
How To Respond To ‘Can You Hear Me?’ “Can you hear me now?” is the once-popular tagline of Verizon commercials, but it’s also the headline of a new scam. Scammers making robocalls will ask some innocuous question. Once the targeted person says “yes,” a recording […]
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