If you shopped ‘til you dropped this holiday season, chances are you need to get back on track financially. Visiting VFCU to open a savings account in Harlingen is just the start for these financial tips from our Credit Union. Next you need to create a healthy and realistic budget, as well as change your spending habits. We want to share six financial tips that may support your banking or spending goals in the new year.
If you are in need of a banking service with potential benefits, then VFCU has you covered! Members who apply at VFCU will have plenty of benefits that are effective, reliable, to fit your lifestyle.
Pay With Cash
Hold off on the credit card, and start paying with cash whenever you go out. You can also opt for a checking rewards account instead, such as our STAR Checking Account with many benefits. Keeping track of all your purchases with cash can help you keep in mind the amount of spending. Moreover, you can use this as a way of budgeting in order to keep track of your financial stability.
Download Coupon Apps
Believe it or not, there are some couponing apps that can help reduce the finances on daily items from your local grocery stores! Typically apps with deals like daily savings or item deals can benefit you as well as your financial situation. Couponing has its benefits, so why not dig into savings and use coupons for things that you may need for your grocery shopping and personal items.
Switch our Costly Habits
Another general way to save money is by eating less, selecting fewer entertainment purchases, and cutting out subscriptions can help you significantly reduce minimal costs that add up monthly. You can also track your expenses consistently by downloading our Mobile Banking App. Plus, get a FREE credit score – when you download our Mobile Banking App as a VFCU Member.
Consider Your Needs, Wants, and Priorities
Write down a list of the top priorities for the week, or for the month if needed. Keeping track of your needs first rather than focusing on your wants can help you determine where your expenses go whenever you receive your source of income.
Pick up a Seasonal Job
Not everyone has time for a second job, but whether it is to make a little extra cash, or pay off holiday expenses, a seasonal job can help your finances in a big way. Whether retail or an online remote job, the opportunities are endless.
Finance with our Credit Union in Harlingen
You can get back on track financially with a few of our services and financial tips from our Credit Union. Through our credit union – Harlingen branch you can get access to:
- Competitive interest rates for New and Used Auto Loans in Harlingen branch!
- Personal Loans from our Harlingen branch to help afford big life changes this new year.
- Consolidation Loans to help exchange high interest rates with other Harlingen banks for a lower one.
Need Help With Your Finances? Check out the VFCU website for more financial tips with our Credit Union!
Although the holidays are a great time to exchange and receive gifts, you can get back on track to becoming financially. Contact Us for more information and see if you can become a member of VFCU!