--- title: Hanscom FCU MoneyWisdom Blog | Life Changes description: Life Changes | 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. --- [![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 ** 27 Feb ![grandparents walking on beach with granddaughter](https://go.hfcu.org/hubfs/grandparents%20on%20beach.png) Here's The Difference Between An Heir And A Beneficiary Many people use the terms "heir" and "beneficiary" interchangeably, but there are important differences between the two designations. Here's how an heir and a beneficiary differ: ** Investments Life Changes ** Hanscom Federal Credit Union ](https://go.hfcu.org/blog/whats-the-difference-between-an-heir-and-a-beneficiary) - [Read More ** 27 Sep ![A Black college student holds up her credit card to make a purchase on her laptop. ](https://go.hfcu.org/hubfs/Should%20I%20Send%20My%20Teen%20To%20College%20With%20A%20Credit%20Card.png) Should I Send My Teen To College With a Credit Card? My daughter is a college student and she has a credit card. She didn’t use it to buy plane tickets or expensive electronic gadgets, just gas, groceries, and a few drugstore items. But it all added.. ** Credit Cards Life Changes College ** Bill Burpeau ](https://go.hfcu.org/blog/bid/185097/college-students-and-credit-cards) - [Read More ** 11 Feb ![A young Black couple sit and work on their wedding budget together over coffee. The woman is using a calculator and the man is reviewing paperwork.](https://go.hfcu.org/hubfs/Trim%20the%20Budget.png) When You Have to Trim the Wedding Budget Weddings have a reputation for being incredibly expensive, and it can certainly be true. Even though there are less costly ways to have a wedding, the average cost for a wedding in the United States.. ** Life Changes Weddings Budget Saving Money ** Monica Parks ](https://go.hfcu.org/blog/when-you-have-to-trim-the-wedding-budget) - [Read More ** 10 Feb ![father with young daughter in indoor tent reading a book](https://go.hfcu.org/hubfs/Blog%20Photos%20800%20x%20800px%20(34).jpg) Do I Need a Trust? A trust might sound like something only a very wealthy person needs, but a living trust is a common estate planning tool more and more people are becoming interested in because of the benefits it can.. ** Life Changes Estate Planning ** Brette Sember ](https://go.hfcu.org/blog/do-i-need-a-trust) - [Read More ** 31 Oct ![older man in hospital bed being hugged by young girl](https://go.hfcu.org/hubfs/Blog%20Photos%20800%20x%20800px%20(9).jpg) Executor vs. Power of Attorney: What's the Difference? There are several situations in which someone you care for may give you the legal authority to act on their behalf. Two of these situations are as the executor of an estate and through a power of.. ** Life Changes Estate Planning ** Brette Sember ](https://go.hfcu.org/blog/executor-vs.-power-of-attorney-whats-the-difference) - [Read More ** 23 Sep ![female college students looking at laptop outside on lawn](https://go.hfcu.org/hubfs/Blog%20Photos%20800%20x%20800px%20(12).jpg) ](https://go.hfcu.org/blog/fafsa) [Paying for College Starts with the FAFSA The U.S. Department of Education awards more than $150 billion each year in federal aid for higher education – and, surprisingly, [more than $2 billion of this financial aid goes unclaimed](https://educationdata.org/financial-aid-statistics#:~:text=Student%20financial%20aid%20statistics%20indicate,average%20of%200.09%25%20each%20year.). Your.. ](https://go.hfcu.org/blog/fafsa) ** Personal Finance Life Changes College ** Hanscom Federal Credit Union - [Read More ** 03 Sep ![large tree limb across road](https://go.hfcu.org/hubfs/Blog%20Photos%20800%20x%20800px%20(5).jpg) How to Manage Your Money After a Natural Disaster Floods, fires, earthquakes, hurricanes, and other natural disasters can wreak havoc with your personal life, including your finances. The following tips can help you organize an action plan to tackle.. ** Home Personal Finance Life Changes ** Hanscom Federal Credit Union ](https://go.hfcu.org/blog/how-to-manage-your-money-after-a-natural-disaster) - [Read More ** 20 Aug ![male college student looking at book in library stacks](https://go.hfcu.org/hubfs/Blog%20Photos%20800%20x%20800px%20(2).jpg) 7 Financial Tips for Your College-Bound Student When I went off to college, my parents took me into the local bank, set me up with my first checking account and that was it. No sage advice. No spreadsheet. No CliffsNotes version of Personal.. ** Life Changes Credit Score College Credit Report ** Hanscom Federal Credit Union ](https://go.hfcu.org/blog/financial-advice-for-your-college-bound-student) - [Read More ** 23 Jul ![](https://go.hfcu.org/hubfs/Untitled%20design%20-%202021-07-23T134209.737.jpg) ](https://go.hfcu.org/blog/beneficiaries-divorce) [Going Through A Divorce? Don’t Change Your Beneficiaries… Yet If you or your spouse have filed for divorce, you may have the overwhelming urge to change [beneficiary designations](https://go.hfcu.org/blog/what-is-a-totten-trust) on your checking and share accounts, personal investments, life insurance, and.. ](https://go.hfcu.org/blog/beneficiaries-divorce) ** Insurance Personal Finance Life Changes Divorce ** Hanscom Federal Credit Union - [Read More ** 25 May ![older woman mourning covid-related death at funeral](https://go.hfcu.org/hubfs/Untitled%20design%20-%202021-05-19T123628.693.jpg) ](https://go.hfcu.org/blog/financial-relief-burial-costs-covid) [Financial Relief Available for COVID-Related Burial Costs Nearly [600,000 Americans have died from COVID-19](https://covid.cdc.gov/covid-data-tracker/#cases_totaldeaths) since the pandemic began in 2020. For their families, the loss is acutely personal. The impact of their passing can also be felt financially. ](https://go.hfcu.org/blog/financial-relief-burial-costs-covid) ** Life Changes Government Death ** Sandra Quadros Bowles [**](https://go.hfcu.org/blog/topic/life-changes/page/1#) [1](https://go.hfcu.org/blog/topic/life-changes/page/1) [2](https://go.hfcu.org/blog/topic/life-changes/page/2) [3](https://go.hfcu.org/blog/topic/life-changes/page/3) [4](https://go.hfcu.org/blog/topic/life-changes/page/4) [5](https://go.hfcu.org/blog/topic/life-changes/page/5) [...](https://go.hfcu.org/blog/topic/life-changes/page/6) [11](https://go.hfcu.org/blog/topic/life-changes/page/11) [**](https://go.hfcu.org/blog/topic/life-changes/page/2) ## 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" : "Life Changes | 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. 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