Friday the 13th: What Should Actually Scare You?

It’s Friday the 13th.

Black cats.
Broken mirrors.
Walking under ladders.

Some people swear it’s unlucky. Others think it’s just another Friday.

But when it comes to your finances? The real bad luck isn’t superstition — it’s paying more than you need to.

Let’s talk about what should actually scare you.

👻High Interest Rates That Stick Around Too Long

If you’re carrying a loan with a high interest rate, that’s not bad luck — that’s expensive.

Auto loans, personal loans, and credit cards can quietly cost you more than you realize. Even a slightly lower rate could mean:

• Lower monthly payments
• Paying off debt faster
• Keeping more money in your pocket

Refinancing might sound complicated, but it doesn’t have to be. At TEG, we walk you through your options and help you decide what makes sense for your budget.

No horror stories here.

🐈‍⬛Financial Myths That Hold You Back

Friday the 13th myths are harmless. Financial myths? Not so much.

Here are a few we hear often:

• “You need perfect credit to refinance.”
  Not true. You may have more options than you think.
• “Switching to a credit union is complicated.”
  It’s actually easier than most people expect — and our team helps every step of the way.
• “Saving small amounts won’t make a difference.”
  Small, consistent deposits can grow over time and help build financial confidence.

Sometimes the scariest thing isn’t your situation — it’s not asking questions.

🪞When Was the Last Time You Reviewed Your Accounts?

Be honest — when was the last time you looked at your interest rate? Or checked if your savings are working as hard as they could be?

It’s easy to stick with what you’ve always had. But reviewing your loans and deposits regularly can help you:

• Reduce unnecessary interest
• Grow your savings
• Feel more in control of your finances

A quick review today could save you money tomorrow.

No Superstitions. Just Smart Financial Decisions.

At TEG, we don’t believe in bad luck — we believe in informed choices.

Whether you’re looking to refinance a loan, grow your savings, or become a member, our goal is simple: help you feel confident about your money.

So this Friday the 13th, skip the superstitions.

If something about your finances feels a little scary, let’s talk about it.

We promise — it’s not as frightening as you think.

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