Be Smarter with Your Money this Holiday Season

It’s here! Holiday shopping season. So, during this time of year, it’s important to be smarter with your money including holiday shopping on a budget or protecting your finances during a busy spending season. We have great advice to help you make smarter financial decisions during the holidays.   Holiday Shopping on a Budget: Less … Continue Reading

Department Store Credit Cards: Why to Say “No Thanks!”

Holiday shopping is right around the corner. As you approach each checkout counter, you’ll be faced with this question again and again, “Would you like to save an additional 15% when you apply for a credit card?” Saving is always a great thing. However, is applying for department store credit cards the best way to … Continue Reading

Best Time to Buy a House During the Year

October is the start of sweater season, pumpkin spice season, and — did you also know — the start of home buying season. If you want to take advantage of a calmer market and purchase at the lowest prices, the best time to buy a house during the year is October through February. Best Month … Continue Reading

7 Money Apps for Reaching Your Financial Goals

  Technology has ingrained itself into our lives because of the way it makes day-to-day activities exponentially easier. Smartphone apps allow you to lock your doors when you’ve already left home, keep track of your appointments while on the run, or have groceries delivered right to your front door. Smartphones have also made it possible … Continue Reading

Why You Need to Pay Off Credit Card Debt & How to Get It Done!

Have you found that a large amount of credit card debt is holding you back from reaching many of your goals? Growing credit card balances may be keeping you from saving money for a down payment on a new home, buying a more reliable car, or paying off student loan debt. If you’re unsure of … Continue Reading

Managing Checking Accounts. . . Then and Now

Checking Accounts . . . Then Do remember when you maintained your checking account balance on tiny-lined ledgers and cross referenced it to your paper statement each month, hoping your math was right? How about cashing a check? This was a multi-step process that involved signing the back of a check, filling out a deposit … Continue Reading

Are You On Track With Your Child’s College Savings?

Saving for and paying for college can be an 18+ year endeavor, and many families are uncertain about how to build their child’s college savings the right way. With the price of a college education rising each year, parents may wonder what their savings goal should be. Their very first question is often, “what will … Continue Reading

14 Identity Protection Tips for Travelers

As the weather warms up, you’re probably thinking about your next fun adventure. When you vacation, identity protection tips may be the last thing you want to think about. But that’s just what criminals count on. Did you know? 16.7 million people became victims of identity theft last year. Two out of five travelers admit … Continue Reading

Five Steps for Protecting yourself from Tax Refund Fraud

Imagine being unable to file your tax return because someone already filed in your name. And the worst part? You won’t receive your tax refund for the better part of a year. That’s essentially what happens when you become a victim of tax refund fraud. Your tax refund also could be delayed if another person … Continue Reading

Separating Needs from Wants Can Help Reduce Stress and Anxiety

The task of financial separating needs from wants can be difficult; however it is extremely helpful, especially when it’s time to manage your budget. In some cases, it can be easy to identify the difference between a need and a want. However, there are certain expenses that aren’t as black and white. Discover an easy … Continue Reading

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The views, opinions, and ideas articulated in this blog are just that, and should not be construed as financial or legal advice. The writers of these blogs are educated on the topics they are writing about, but they are in no way licensed financial advisors or registered investment advisors. Diamond Credit Union is not responsible for any actions a person may take as a result of the information they read in one of our blogs.