--- title: Hanscom FCU MoneyWisdom Blog | Home (7) description: Home | Hanscom Federal Credit Union offers free financial education for our members and as an employee benefit for our business partners. Our mission is to help our members become MoneyWiser. Get tips, worksheets and information to help you achieve a balanced budget, save money and plan for your retirement. (7) --- [![MoneyWisdom_HFCU_r2](https://go.hfcu.org/hs-fs/hubfs/MoneyWisdom_HFCU_r2.png?width=464&name=MoneyWisdom_HFCU_r2.png "MoneyWisdom_HFCU_r2")](https://go.hfcu.org/blog) Filter by Category** - [Show All](https://go.hfcu.org/blog) - [Security](https://go.hfcu.org/blog/topic/security) - [Personal Finance](https://go.hfcu.org/blog/topic/personal-finance) - [Auto](https://go.hfcu.org/blog/topic/auto) - [Business](https://go.hfcu.org/blog/topic/business) - [Credit Score](https://go.hfcu.org/blog/topic/credit-score) - [Home](https://go.hfcu.org/blog/topic/home) - [Credit Cards](https://go.hfcu.org/blog/topic/credit-cards) - [Life Changes](https://go.hfcu.org/blog/topic/life-changes) - [Insurance](https://go.hfcu.org/blog/topic/insurance) - [Investments](https://go.hfcu.org/blog/topic/investments) Filter by Category** - [Show All](https://go.hfcu.org/blog) - [Security](https://go.hfcu.org/blog/topic/security) - [Personal Finance](https://go.hfcu.org/blog/topic/personal-finance) - [Auto](https://go.hfcu.org/blog/topic/auto) - [Business](https://go.hfcu.org/blog/topic/business) - [Credit Score](https://go.hfcu.org/blog/topic/credit-score) - [Home](https://go.hfcu.org/blog/topic/home) - [Credit Cards](https://go.hfcu.org/blog/topic/credit-cards) - [Life Changes](https://go.hfcu.org/blog/topic/life-changes) - [Insurance](https://go.hfcu.org/blog/topic/insurance) - [Investments](https://go.hfcu.org/blog/topic/investments) ![woman on steps](https://go.hfcu.org/hubfs/woman%20on%20steps.png) ## Crush Lifestyle Creep ### Protect your financial future [Learn more](https://go.hfcu.org/blog/avoid-lifestyle-creep) ![romantic couple sitting on park bench looking at each other](https://go.hfcu.org/hubfs/older%20couple%20in%20love%20blog%20banner.png) ## Romance Scams ### Are you vulnerable to the latest ones? [Learn More](https://go.hfcu.org/blog/how-to-avoid-a-romance-scam) ![man and woman in new home celebrating with champagne](https://go.hfcu.org/hubfs/Blog%20Banners%201900%20x%20800px.png) ## Celebrate the Move! ### Our No-Money-Down Mortgage can help [Read more here](https://go.hfcu.org/blog/introducing-hanscom-fcus-no-money-down-mortgage) ![restaurant owners](https://go.hfcu.org/hubfs/restaurant%20owners.jpg) ## Reach Your Goals ### A business loan can help get you there [Read more](https://go.hfcu.org/blog/bid/156108/what-is-the-best-way-to-get-a-small-business-loan) ![blond woman walking with tablet and coffee cup in hand](https://go.hfcu.org/hubfs/Blog%20Banners%201900%20x%20800px%20(20).jpg) ## Share Certificates ### Earn a better rate on your savings [Learn More](https://go.hfcu.org/blog/share-certificate) ### Posts by Topic - [Personal Finance (262)](https://go.hfcu.org/blog/topic/personal-finance) - [Home (164)](https://go.hfcu.org/blog/topic/home) - [Life Changes (109)](https://go.hfcu.org/blog/topic/life-changes) - [Credit Cards (92)](https://go.hfcu.org/blog/topic/credit-cards) - [Security (74)](https://go.hfcu.org/blog/topic/security) - [Credit Score (69)](https://go.hfcu.org/blog/topic/credit-score) - [Auto (60)](https://go.hfcu.org/blog/topic/auto) - [Checking (54)](https://go.hfcu.org/blog/topic/checking) - [Business (48)](https://go.hfcu.org/blog/topic/business) - [Investments (36)](https://go.hfcu.org/blog/topic/investments) - [Mortgage (32)](https://go.hfcu.org/blog/topic/mortgage) - [Savings (29)](https://go.hfcu.org/blog/topic/savings) - [Scams (29)](https://go.hfcu.org/blog/topic/scams) - [Work (28)](https://go.hfcu.org/blog/topic/work) - [Debt (25)](https://go.hfcu.org/blog/topic/debt) - [Holidays (25)](https://go.hfcu.org/blog/topic/holidays) - [Money Management (22)](https://go.hfcu.org/blog/topic/money-management) - [Hanscom FCU (21)](https://go.hfcu.org/blog/topic/hanscom-fcu) - [Home Ownership (21)](https://go.hfcu.org/blog/topic/home-ownership) - [Credit Report (20)](https://go.hfcu.org/blog/topic/credit-report) - [Government (20)](https://go.hfcu.org/blog/topic/government) - [Home Equity (18)](https://go.hfcu.org/blog/topic/home-equity) - [Budget (17)](https://go.hfcu.org/blog/topic/budget) - [Mobile Banking (17)](https://go.hfcu.org/blog/topic/mobile-banking) - [Investment Property (16)](https://go.hfcu.org/blog/topic/investment-property) - [Saving Money (16)](https://go.hfcu.org/blog/topic/saving-money) - [Insurance (15)](https://go.hfcu.org/blog/topic/insurance) - [Taxes (15)](https://go.hfcu.org/blog/topic/taxes) - [Children (13)](https://go.hfcu.org/blog/topic/children) - [College (11)](https://go.hfcu.org/blog/topic/college) - [Financial Wellness (11)](https://go.hfcu.org/blog/topic/financial-wellness) - [Retirement (11)](https://go.hfcu.org/blog/topic/retirement) - [Community (10)](https://go.hfcu.org/blog/topic/community) - [Online Banking (10)](https://go.hfcu.org/blog/topic/online-banking) - [Estate Planning (8)](https://go.hfcu.org/blog/topic/estate-planning) - [COVID (7)](https://go.hfcu.org/blog/topic/covid) - [Deals (7)](https://go.hfcu.org/blog/topic/deals) - [Death (7)](https://go.hfcu.org/blog/topic/death) - [Shopping (7)](https://go.hfcu.org/blog/topic/shopping) - [Fraud (6)](https://go.hfcu.org/blog/topic/fraud) - [Mass Save (6)](https://go.hfcu.org/blog/topic/mass-save) - [Teens (6)](https://go.hfcu.org/blog/topic/teens) - [Divorce (5)](https://go.hfcu.org/blog/topic/divorce) - [Travel (5)](https://go.hfcu.org/blog/topic/travel) - [ATM (4)](https://go.hfcu.org/blog/topic/atm) - [Baby (4)](https://go.hfcu.org/blog/topic/baby) - [Debit Cards (3)](https://go.hfcu.org/blog/topic/debit-cards) - [Motorcycles (3)](https://go.hfcu.org/blog/topic/motorcycles) - [Weddings (3)](https://go.hfcu.org/blog/topic/weddings) - [Boats (2)](https://go.hfcu.org/blog/topic/boats) - [Charity (2)](https://go.hfcu.org/blog/topic/charity) - [Family Finance (2)](https://go.hfcu.org/blog/topic/family-finance) - [Lending (2)](https://go.hfcu.org/blog/topic/lending) - [Credit Unions (1)](https://go.hfcu.org/blog/topic/credit-unions) - [Green (1)](https://go.hfcu.org/blog/topic/green) - [Medical (1)](https://go.hfcu.org/blog/topic/medical) - [Pets (1)](https://go.hfcu.org/blog/topic/pets) - [dormant account (1)](https://go.hfcu.org/blog/topic/dormant-account) - [inactive account (1)](https://go.hfcu.org/blog/topic/inactive-account) - [Read More ** 23 Apr ![pet adoption by boy during coronavirus pandemic](https://go.hfcu.org/hubfs/Untitled%20design%20(71).jpg) ](https://go.hfcu.org/blog/7-things-to-consider-before-adopting-a-pet-during-a-crisis) [7 Things to Consider Before Adopting a Pet During a Crisis Having a pet during a crisis can be a great comfort. It makes the thought of adopting a new best friend especially appealing during times of anxiety and uncertainty. In fact, [pet shelters are..](https://www.nbcnews.com/health/health-news/call-has-been-answered-animal-shelters-across-u-s-are-n1186351) ](https://go.hfcu.org/blog/7-things-to-consider-before-adopting-a-pet-during-a-crisis) ** Home Life Changes ** Sandra Quadros Bowles - [Read More ** 20 Apr ![contract for apartment rental](https://go.hfcu.org/hubfs/Untitled%20design%20(72).jpg) ](https://go.hfcu.org/blog/4-steps-to-take-when-you-cant-pay-your-rent) [4 Steps to Take When You Can't Pay Your Rent A record number of Americans are out of work because of the coronavirus pandemic, and apartment dwellers who are not getting regular paychecks are finding [they're unable to pay rent when it's due](https://www.forbes.com/sites/dimawilliams/2020/03/30/with-rent-soon-due-apartment-industry-already-copes-with-coronavirus-effects/#43544d52347a). ](https://go.hfcu.org/blog/4-steps-to-take-when-you-cant-pay-your-rent) ** Home Personal Finance Life Changes Money Management ** Matthew M. Robare - [Read More ** 08 Apr ![man bringing food in box to alleviate food insecurity](https://go.hfcu.org/hubfs/Untitled%20design%20(70).jpg) 6 Solutions For Food Insecurity During the Coronavirus Outbreak During the novel coronavirus outbreak in 2020, more Americans are seeking help to keep their families fed as the economy contracts during the pandemic. Here are six solutions to prevent food.. ** Community Home Life Changes ** Sandra Quadros Bowles ](https://go.hfcu.org/blog/6-solutions-for-food-insecurity-during-the-coronavirus-outbreak) - [Read More ** 01 Apr ![small house in hands mortgage forbearance](https://go.hfcu.org/hubfs/Untitled%20design%20(80).jpg) Hanscom FCU Offers Mortgage Forbearance Program Hanscom FCU has instituted a 3-month mortgage forbearance program for its first mortgage and second mortgage/home equity line of credit (HELOC) holders to help qualified members who are suffering.. ** Home Personal Finance Life Changes Debt Budget Money Management Home Equity Mortgage ** Hanscom Federal Credit Union ](https://go.hfcu.org/blog/hanscom-fcu-offers-mortgage-forbearance-program) - [Read More ** 23 Mar ![man saving money in piggy bank for sinking fund](https://go.hfcu.org/hubfs/Stock%20images/Small%20change%20being%20put%20into%20piggy%20bank.jpeg) Simplify Your Life with a Sinking Fund I've had a sinking fund for years and I love it. What's a "sinking fund," you ask? It's simply a savings account you use to save money over time for a specific expenditure. In my case it’s a Holiday.. ** Home Personal Finance Savings Budget Money Management ** Bill Burpeau ](https://go.hfcu.org/blog/bid/182612/simplify-life-with-a-sinking-fund) - [Read More ** 18 Mar ![](https://go.hfcu.org/hubfs/images/Home%20Appraisal.jpg) Do You Require An Appraisal For a Home Equity Loan? When we receive an application for a Home Equity Line of Credit (HELOC), we have to determine the value for the property. This, in turn, allows us to determine the amount that can be borrowed... ** Home Home Equity Home Ownership ** Bill Burpeau ](https://go.hfcu.org/blog/bid/146240/home-equity-faqs-do-you-require-an-appraisal-for-home-equity-loans) - [Read More ** 02 Mar ![purple couch purchased with deferred interest promotion](https://go.hfcu.org/hubfs/Untitled%20design%20(61).jpg) Everything You Need to Know About Deferred Interest Financing You're eyeing a sumptuous purple couch in the furniture store, a stylish couch that would look perfect in your new apartment. But that price tag. Ooof! Then the salesperson tells you they're running.. ** Home Personal Finance Debt Money Management Deals ** Hanscom Federal Credit Union ](https://go.hfcu.org/blog/everything-you-need-to-know-about-deferred-interest-financing) - [Read More ** 21 Feb ![](https://go.hfcu.org/hubfs/Untitled%20design%20(60).jpg) ](https://go.hfcu.org/blog/a-smart-way-to-spend-your-tax-refund-this-year) [A Smart Way to Spend Your Tax Refund This Year Congratulations, you might soon be about $3,000 richer. [The average American will receive nearly that amount —$2,725, to be exact — in their tax return](https://www.foxbusiness.com/money/americans-spend-2020-tax-refund). Of course, that’s not really a gift; it’s.. ](https://go.hfcu.org/blog/a-smart-way-to-spend-your-tax-refund-this-year) ** Home Money Management Government Taxes ** Sandra Quadros Bowles - [Read More ** 18 Feb ![](https://go.hfcu.org/hubfs/images/Moving.jpg) 6 Questions to Ask Before Downsizing Your Home Perhaps you’ve heard the call of coyotes from that den you don’t go into anymore, or you’ve seen tumbleweeds congregating in that extra, extra bedroom. Or maybe you’ve just looked at your electric.. ** Home Life Changes Retirement ** Hanscom Federal Credit Union ](https://go.hfcu.org/blog/6-questions-to-ask-before-downsizing-your-home) - [Read More ** 22 Dec ![woman-have-cold-on-the-sofa-at-home-with-winter-coat-picture-id1070035724](https://go.hfcu.org/hubfs/woman-have-cold-on-the-sofa-at-home-with-winter-coat-picture-id1070035724.jpg) ](https://go.hfcu.org/blog/break-these-5-surprising-energy-wasting-habits-this-winter) [Break These 5 Surprising Energy-Wasting Habits This Winter It’s winter, when energy costs can pile up faster than a sudden snowfall. Most of us are eager to take [the right steps to keep our winter utility bills as low as possible](https://go.hfcu.org/blog/7-ways-to-cut-heating-costs-this-winter). ](https://go.hfcu.org/blog/break-these-5-surprising-energy-wasting-habits-this-winter) ** Home ** Sandra Quadros Bowles [**](https://go.hfcu.org/blog/topic/home/page/6) [1](https://go.hfcu.org/blog/topic/home/page/1) [...](https://go.hfcu.org/blog/topic/home/page/2) [5](https://go.hfcu.org/blog/topic/home/page/5) [6](https://go.hfcu.org/blog/topic/home/page/6) [7](https://go.hfcu.org/blog/topic/home/page/7) [8](https://go.hfcu.org/blog/topic/home/page/8) [9](https://go.hfcu.org/blog/topic/home/page/9) [...](https://go.hfcu.org/blog/topic/home/page/12) [17](https://go.hfcu.org/blog/topic/home/page/17) [**](https://go.hfcu.org/blog/topic/home/page/8) ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. 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Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** ### https://X.com/HanscomFCU The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** ### https://www.instagram.com/hanscomfcu/ The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** ### https://www.linkedin.com/company/hanscomfcu/ The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** ### http://www.youtube.com/c/HanscomFederalCreditUnion The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ### Popular Posts [What You Need to Know About Putting Your Home in a Trust](https://go.hfcu.org/blog/what-you-need-to-know-about-putting-your-home-in-a-trust) ![older man looking at top retirement worry on digital device](https://go.hfcu.org/hubfs/Untitled%20design%20-%202022-02-10T072804.753.jpg) [What You Need to Know About Your Federal Tax Bracket](https://go.hfcu.org/blog/what-you-need-to-know-about-your-tax-bracket) ![older man looking at top retirement worry on digital device](https://go.hfcu.org/hubfs/Untitled%20design%20-%202021-03-22T123305.900.jpg) [6 Boat Types to Get on the Water](https://go.hfcu.org/blog/6-boat-types-to-get-on-the-water) ![older man looking at top retirement worry on digital device](https://go.hfcu.org/hubfs/images/Jet_Ski.jpg) [Here's The Difference Between An Heir And A Beneficiary](https://go.hfcu.org/blog/whats-the-difference-between-an-heir-and-a-beneficiary) ![older man looking at top retirement worry on digital device](https://go.hfcu.org/hubfs/grandparents%20on%20beach.png) [23 Organizations Dedicated to the Needs of Seniors](https://go.hfcu.org/blog/23-organizations-dedicated-to-the-needs-of-seniors) ![older man looking at top retirement worry on digital device](https://go.hfcu.org/hubfs/Senior%20citizens.jpg) ### Recent Posts - [![National Credit Union Administration](https://go.hfcu.org/hs-fs/hubfs/NCUA-logo-small.png?width=95&name=NCUA-logo-small.png) ](https://www.ncua.gov/) [![Equal Housing Lender](https://go.hfcu.org/hs-fs/hubfs/EHL-logo-small.png?width=65&name=EHL-logo-small.png)](https://www.hud.gov/fairhousing) - @ 2023 [Hanscom Federal Credit Union](https://www.hfcu.org/) - Federally insured by the National Credit Union Administration. - [Privacy Policy](https://www.hfcu.org/content/docs/Privacy_Notice.pdf) **Disclosure:** Hanscom Federal Credit Union does not provide and is not responsible for any products, services, or overall website content available at any third-party sites linked within this blog. Moreover, Hanscom Federal Credit Union's privacy policies do not apply to any of the linked websites within this blog. Please consult the privacy disclosures on those linked sites for further information. ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Hanscom Federal Credit Union" }, "dateModified" : "August 3, 2023, 2:55:51 PM", "datePublished" : "2022-05-16 18:57:25", "description" : "Home | Hanscom Federal Credit Union offers free financial education for our members and as an employee benefit for our business partners. Our mission is to help our members become MoneyWiser. Get tips, worksheets and information to help you achieve a balanced budget, save money and plan for your retirement. 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