Take These 3 Financial Steps Before Starting Your First Summer Job

June 24, 2019 BY AFFCU in
By Tracy Scott The words “You’re hired!” are on mental autorepeat. You still can’t believe it. Next week you start your first summer job. Over the next several months, your life will change in ways you’d never imagined. Yes, it’s true. Your first job can open the financial doors many young adults have dreamt about since the beginning of high school. A steady paycheck can give you the freedom to [...]   Read More >

5 Money Management Tips for Recent Grads

June 21, 2019 BY AFFCU in
By Tracy Scott As a recent graduate, you’re at a crossroads, both personally and financially. Decisions made today can affect the rest of your life. Questions such as: Do I really want or need to go to college or graduate school? Is it better for me to take a gap year instead of moving across the country right now for college? I just landed my first full-time job, so why [...]   Read More >

Savings Accounts: 6 That Bring You Closer to Your Financial Goals

May 27, 2019 BY AFFCU in
By Tracy Scott Consistency is the key to results. This is true whether you’re referring to fitness or finances. To achieve your financial goals, you’ll need to commit to saving money regularly. Whether you’re looking to save for a down payment on your first home, a Mediterranean cruise, or a destination wedding, you want to obtain the best return on your savings deposits. Atlantic Financial Federal Credit Union (AFFCU) offers [...]   Read More >

Summer Fun Without Breaking the Bank

By Tracy Scott The year started strong. You not only paid off your car loan, you even set aside money for a cross-country summer vacation with the family. But unexpected expenses depleted your summer savings account and put a stop to your dreams of a family road trip. Don’t despair. Summer fun is still possible with limited cash. Being low on funds doesn’t mean you have to nix your summer [...]   Read More >

Home Improvement Ideas with the Best Returns

April 18, 2019 BY AFFCU in
By Tracy Scott If you’re entertaining the idea of remodeling or updating your home, then you’re in good company. The 2018 Zillow Group Housing Trends Report found that 60 percent of homeowners felt their homes could use updating in a few areas. But, it’s not easy trying to figure out which projects will have a lasting value especially since you’ll want some assurance of the potential rate of return before [...]   Read More >

How to Avoid 5 Mistakes of First-Time Homebuyers

April 16, 2019 BY AFFCU in
By Tracy Scott You can’t wait for the weekend. Not because it’s a time to wind down from the work week but because it’s another opportunity to visit more model homes and open houses. Yes, you’ve caught the first-time homebuyer’s shopping bug. The selection in your area is endless, and with each new home you visit, the list of “must-haves” grows. It’s easy to get excited and fall in love [...]   Read More >

4 Smart Ways to Spend Your Tax Refund

March 28, 2019 BY AFFCU in
By Tracy Scott Your tax refund check might be less than expected this year. As of early February 2019, the average federal tax refund is down 8.7% when compared to the prior tax year. Receiving less than expected might derail your plans for a vacation cruise, new television, or making another major purchase – at least for now. While these plans might need to take a backseat, that doesn’t mean [...]   Read More >

What to Do Before You Apply for a Home Mortgage

By Tracy Scott Homebuying season is fast approaching, and the idea of visiting model homes and open houses fills you with anticipation. But, before you step into your first design center or purchase your tour of homes ticket, learn how to shop smart for a new home. For some, saying goodbye to renting often begins with applying for a home mortgage – but should it? Despite its updated housing forecast, [...]   Read More >

Credit Score Basics

By Tracy Scott Understand The Credit Score Basics To Improve Your Financial Health. Can you explain the difference between a credit history report and a credit score in one sentence? When you’re new to credit, it's hard to keep credit terminology straight – let alone explain it to someone else. New credit users who understand the basics of credit scores can make smarter credit decisions which can positively affect their [...]   Read More >

How To Request and Read Your Credit Report

February 26, 2019 BY AFFCU in
By Tracy Scott When was the last time you checked your credit? The information in your credit report has a significant influence on your financial health. Good credit matters and incorrect information can prevent you from obtaining auto or home loan approvals, gaining access to certain services at the best rates with minimal fees, and can even influence whether you’re hired for certain jobs. In 2017, the Consumer Financial Protection [...]   Read More >

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