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Budget, Credit, Savings

Ways to Improve Personal Credit

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.

Budget, Credit, Education, Savings

How to Have a Winning School or Extracurricular Sports Budget

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

Be Sure to Use the Right Account Number When Setting Up Direct Deposit

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.

Credit, Savings, Security

Working to Avoid New Job Scams

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

9 Important Financial Tips for Soon-to-be or New Parents

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.

Credit, Savings, Security

Where To Get Help if You’re Scammed

Once someone realizes they’ve been scammed and lost their money, what can they do to protect themselves from further losses and, possibly, recover their funds? There are actions to take both with the companies holding financial accounts and with the U.S. government that may be able to help a victim restore their money, protect their accounts, and track down the crooks responsible for a financial loss.

Budget, Investment, Real Estate, Savings

10 Spring Home Tips to Save Summer Money

Hot weather often means more air conditioning, more ice from the refrigerator, more electric fans, and more energy to keep those devices running. That extra energy creates higher utility bills and costs more money. But before the summer weather arrives, there are some home maintenance tasks that can be done that could assist in lowering both indoor temperatures and the expense of staying cool.

Budget, Investment, Real Estate, Savings

There’s More Than One Closing Cost When Buying a Home

Homeownership is an important life goal for many people. However, the true cost of owning a home includes expenses beyond just monthly mortgage payments. From financing, insurance and property taxes, to utilities, maintenance and repairs, it’s important to be fully aware of what to be prepared for before purchasing a home.

Credit, Investment, Savings, Security

How to Protect Your New Computer from Hackers

If you’re setting up a new computer, one thing that should be done right away is to check—and install if necessary—a number of security measures to help protect that PC from being infected by malware.

Budget, Credit, Savings, Vehicles

Buying a Car in the Current Market

Buying a car can be overwhelming and stressful with all the decisions to make: do I get new or used; buy or lease; what are the financing options and available deals (not to mention what color to pick)? Following are some tips for a successful car buying experience in the current buying environment, including how to research and budget for new and used cars and manage the challenges of a high-buyer demand market.

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