MoneyWisdom Blog

Cold, Calculated Savings: Items To Buy In Winter

Posted by Hanscom Federal Credit Union on Dec 7, 2017 9:47:57 AM

 

Every December you are bombarded with suggestions (some subtle, some not-so-much) for items to buy for the holidays. But what about items to buy AFTER the holidays? If you can wait a few days or weeks, you could land yourself some outrageous deals. In fact, if a loved one wants an item on the list below, you might even want to give them a gift card and advise them to pick it up when it goes on sale. That way, they not only get what they want, but they also get more money to spend on other desired items.

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Topics: Money Management, Budgeting

7 Ways to Cut Heating Costs this Winter

Posted by Trish Reske on Dec 6, 2017 9:35:49 AM

Heating your home can be expensive. According to the Energy Markets Division of Mass.gov (MassDOER), the average residential customer last year was predicted to pay $728 for natural gas, $2,171 for oil, $2,176 for propane, and $553 for electric heating. How can you cut the high costs of heating your home this winter? Here are 7 ways you can stay warm while bring the cost of heating down:

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Topics: Money Management, Budgeting, Mass Save

How Eating Out Eats Into Your Budget

Posted by Trish Reske on Nov 30, 2017 1:31:57 PM

While everyone may enjoy a home-cooked meal, it appears that more and more Americans are choosing not to prepare meals at home.  According to the Bureau of Labor Statistics, from 2015-2016, Americans as a whole spent more money at bars and restaurants than they did on groceries. This trend has been on the rise over the years, with Americans choosing to eat out or buy prepared foods rather than cook at home.

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Topics: Money Management, Budgeting

10 Holiday Home Improvement Tips

Posted by Bill Burpeau on Nov 28, 2017 11:11:38 AM

The holidays are a great time of year for entertaining family and friends. But, you may look around your house and think about sprucing things up before you bring the first guests in. You don't have to put large amounts of money out to get a nice impact for the holidays as well as your home's value. Here are 10 holiday home improvement tips that will boost your home equity value.

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Topics: Home Equity

How to Ask Your Boss for a Raise – and Get It: 5 Tips

Posted by Trish Reske on Nov 22, 2017 7:00:00 AM

You’re a great employee. You work hard, and have been performing better than average at your job. You get positive input from your co-workers and your manager. But the bottom line is that you’re not getting paid what you know you are worth. How do you go about asking your boss for the raise that you deserve? Below are 5 tips on how to ask your boss for a raise – and raise the chances of you actually getting it.

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Topics: Money Management

Teachers School Us on Social Media Use

Posted by Hanscom Federal Credit Union on Nov 20, 2017 7:00:00 AM

Information breaches are becoming the norm rather than the exception these days. Equifax. Yahoo. Verizon. Facebook.

The list goes on, yet most people don’t change how they live in and use the online stratosphere. They think it won’t happen to them, or the effects won’t be life-changing. What they don’t realize — usually until it’s too late — is: It does and it is.

So, what steps can you take to safeguard your identity while still enjoying social media?

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Topics: Identity Theft

Employees Increasingly Taking Money Problems to Work

Posted by Hanscom Federal Credit Union on Nov 16, 2017 7:00:00 AM

What would you do with $300 billion dollars? 

American businesses might want to ask themselves the same question. That astounding figure is the amount that businesses lose every year because of their employees’ stress levels, according to the World Health Organization, and money is a primary source of that stress. 

More than three out of four Americans (76%) cite money and work as their major sources of stress, according to a 2013 report by the American Psychological Association and American Institute of Stress.

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Topics: Financial Education, Financial Stress

Are Americans Prepared for Retirement?

Posted by Trish Reske on Nov 14, 2017 10:09:23 AM

The answer is scary. According to the recent studies, 1 in 3 American non-retirees have no retirement savings or pension at all. And, 38% of respondents say that they have no plans to retire, or will delay it as long as possible, as a means of coping without retirement savings. 

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Topics: Retirement and Investing

Costs to consider before buying an investment property

Posted by Phil Purcell on Nov 9, 2017 5:00:00 PM

In order for this to be an enjoyable, rewarding and lucrative experience, it’s vital that you’re fully aware of what’s involved and required to be successful. While this article not meant to deter you, it is meant to honestly depict all the responsibilities of property ownership.

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Topics: Small Business, investment property ownership

6 Tips to Max Your Investment Property Profit

Posted by Phil Purcell on Nov 9, 2017 4:30:00 PM


Here are six essential tips to help ensure that you realize the largest possible profit from your investment property: 

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Topics: Small Business, investment property ownership

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