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

3 Pieces of Easy Financial Advice for Expectant Parents

Raising kids is not an inexpensive endeavor. You start with diapers and car seats, move into childcare and braces, and finally tackle extracurricular activities and cell phones. The U.S. Department of Agriculture estimates that it will cost a middle-income family $233,610 to raise a child (and no, this doesn’t include the cost a college education). … 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

Every Student Should Know about Student Loan Fraud

Student loan fraud occurs when identity thieves obtain personal information and use it to apply for federal student loans and Pell grants. It can happen to anyone, whether you attend college or not. College students are four times more likely than other groups to have their identity stolen by people they know, including roommates, family … 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

How to Guard Against and Respond to Child Identity Theft

Child identity theft happens. What does that mean for your child? Imagine this scenario: Your college-bound child applies for a car loan or credit card, but is turned down because of thousands of dollars in unpaid debt. Identity theft has struck again, and the resulting poor credit record will affect your child’s financial well-being for … 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

Top 6 Reasons to Buy Locally [infographic]

Ever since 2010, the Saturday after Thanksgiving has officially been named Small Business Saturday. Why is it so important to shop small instead of solely shopping at large chain retailers? These are six main reasons to buy locally and how they all play a major role in boosting your local economy. 1. Investing in the … 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.