Budget, Investment, Retirement, Savings
There is a broad range of potential lifestyle and financial decisions to make and actions to take by age 50+, and below are some suggestions for anyone in that age group. This blog is part of a series covering this important topic, so there will be additional parts to it coming up in the future.
Budget, Insurance, Investment, Retirement
One way of thinking about life insurance is that it’s essential at any time of life, and it’s there to help people you care about in what may be an unfortunate time of need. The cost of life insurance varies, and it can be customized to meet financial, age and lifestyle needs. With research and appropriate lifestyle and purchasing choices, life insurance can be both affordable and available.
Budget, Credit, Savings
The best way to handle a financial crisis is to quickly review and adjust your budget, prioritize your financial obligations, and thoroughly communicate with your creditors. You may not be able to pay all of your bills in full right away, but by taking a proactive approach to your finances, you can minimize the consequences until they can be improved.
Budget, Credit, Savings
Simply continuing to polish your credit can make life easier, giving you a better chance of qualifying for the best interest and payment terms on loans or credit cards. If you’re struggling with a low credit score, you’re better positioned to quickly make gains than someone with a strong credit history. The lower a person’s score, the more likely they are to achieve a larger increase if they actively manage it carefully. There is much more upside to having a higher score, and even small changes in behavior can result in greater score increases. If you’re starting from a higher score, you likely don’t need to get a jump of a full 100 points to make a big difference in the credit products you can get.
Facebook®, Instagram®, Twitter®, LinkedIn®, TikTok®, WhatsApp®, Telegram®, Tumblr®, Roblox®, Discord® (and numerous other forms of social networks) have billions of daily users across the United States and around the world. Wherever there are lots of people, there are individuals and companies trying to make money by selling to them, and, sometimes, by stealing from them. Social networks provide a convenient, easily accessible and large group of targets for scammers.
Budget, Credit, Education, Savings
Looking for ways of controlling a yearly family sports outlay is a prudent approach to managing expenses. Parents always want their kids to have good quality, appropriate—safe and durable—gear, but there are options for buying sporting goods for school children that can save some significant money while getting equipment that is still in good shape.
Investment, Savings, Security, Taxes
It’s common for Delta Community members to link their Credit Union accounts, such as a Savings Account to a Checking Account, or to link their Credit Union accounts to other financial institutions or to the U.S. government, such as linking an account with the federal Internal Revenue Service for paying taxes or receiving tax refunds. If you are linking accounts, be certain you are always using your correct Delta Community Credit Union account information/number.
Budget, Investment, Real Estate
A lot of home improvements can be done gradually, in stages, so costs, time, and effort can be spread out to be more manageable. With not too much money—say, approximately $150 or even a little less—it’s possible to undertake a few relatively easy and quick home improvements that can make a home more efficient and attractive and possibly, save the homeowner a bit of money.
Credit, Savings, Security
In response to the Great Resignation, there are millions of available jobs at companies needing to replace or increase full or part-time staff, with both employed and unemployed candidates eager to apply for a new, potentially more profitable position. Employers are posting open positions on online job boards, and recruiters are reaching out to potential candidates by phone and email. But not all of those jobs are real—some are fake and being promoted by scammers posing as job recruiters trying to steal money and hijack financial and other types of personal accounts.
Budget, Retirement, Savings, Taxes
Becoming a parent is the most life-changing event that many people will experience. You are suddenly not only responsible for yourself but also for another person who depends on you for everything in their life. Whether you are expecting a child or are currently adjusting to your new life as a parent, this post could be a useful starting point for adapting to your new financial reality.