Money Wisdom Blog

Easy Ways To Go Green With Your Finances

Posted by Moneywise Newsletter on Jan 30, 2015 10:00:00 AM

You don't have to be a full-time environmentalist to appreciate the value of "going green." Practicing green habits at home and in the workplace can make a difference not only to the world, but also to your wallet.

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Topics: Going Green, Online Banking

Are Your Finances Fit or Flabby?

Posted by Moneywise Newsletter on Jan 29, 2015 4:16:00 PM

We all know that staying physically active and eating healthfully can do a body good. But have you ever thought about the fitness of your finances? Your approach to money management needs regular checkups, too. You might discover that you need to trim some fat from the budget, bulk up on savings or work with a financial coach to reach your goals.

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Topics: Money Management, Financial Education

A Good Credit Score Will Improve Your Life

Posted by Josh Paul on Jan 28, 2015 8:03:00 AM

No seriously. It will. 

I’m proof that it does. My husband and I got into some financial trouble several years ago due to a job loss and we watched our credit card bills grow and our credit score shrink. It was depressing.

We put away all the credit cards, changed to a cash-only lifestyle, and though it took a few years, my credit score is very close to 800 now. I went from being unable to qualify for credit to purchase a badly-needed new refrigerator, to a mailbox full of credit card offers. I sleep much better now than I did then.

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Topics: Credit Matters

Essay Help! Tips for Writing a College Application Essay

Posted by Moneywise Newsletter on Jan 27, 2015 10:00:00 AM

Getting into a good college takes a lot of hard work and dedication. One of the last hurdles to admission is the application essay – and it's a great opportunity for you to shine. Here are some tips to help you create an application essay that gives you the best chance at getting into your top school.

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Topics: Student Loans

Why Employers Check Your Credit Report

Posted by Josh Paul on Jan 26, 2015 2:22:00 PM

Getting a job these days is tough. It’s a very competitive marketplace and jobs don’t seem to be growing on trees. Obviously, you have to do everything you can to make yourself stand out.

In addition to a great resume with lots of pertinent experience, you should also have a nice, clean credit report.

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Topics: Credit Matters

Hanscom FCU In the Community

Posted by Moneywise Newsletter on Jan 23, 2015 12:00:00 PM

See what Hanscom FCU has been up to in the community!

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Topics: Hanscom FCU Community

Most Millennials Say No to Credit Cards — at a Price

Posted by Josh Paul on Jan 21, 2015 1:16:00 PM

I have three Millennial children (anyone born between 1980 and 1995 or so) and each has a credit card. Frankly it scares me a little because I’m so afraid they’re going to fall into debt just like I did when I was their age. I understand their desire to have one, but I’ve also watched them get into trouble (carry a monthly balance) and listened to their complaints about being in credit card debt.

All I can do is urge them not to use the card unless it’s an emergency. And typical of children, they go and do what they want anyway.

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Topics: Credit Matters

Credit or Debit?

Posted by Josh Paul on Jan 19, 2015 11:53:00 AM

Are you tired of hearing “credit or debit?” when you go to pay for something at a store? I am. I hear it so often, I just automatically say “debit” when asked. I never think about what it actually means. It just seems easier to enter my PIN right when I swipe my card than waiting to sign at the end of the transaction. Crazy, I know, but that’s just me.

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Topics: Credit Matters

Accept the Challenge to Pay off Your Credit Card Debt

Posted by Josh Paul on Jan 16, 2015 11:18:00 AM

Credit card debt. Three of the most dreaded words in the English language. No one wants to think about, talk about it or even face the truth of it. It’s painful, ugly and overwhelming.

And it makes me really sad because last year, I got myself soooo close to wiping out my credit card debt and then something happened (who knows what!) and I slowly watched the bill grow every month. Fortunately, I made a plan and got the balance down to zero to start 2015. And now I have a can’t-fail plan that you can start today to pay down your credit card debt this year.

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Topics: Credit Matters

Your Credit Card Will Be Changing: Meet the Smart Card

Posted by Bill Burpeau on Jan 14, 2015 11:00:00 AM

What’s this about new smart cards?

In October of this year, retailers and credit card issuers must adopt EMV technology or become liable for credit card fraud losses. EMV stands for Europay, Mastercard, Visa. The new cards are also called smart  cards or chip cards. Between now and October, you’ll probably be issued a new card and see new credit card terminals at retail stores.

So what is EMV technology and what does it do for you? Here are 3 things to know about the new smart credit cards.

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Topics: Credit Matters

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