--- title: Hanscom FCU MoneyWisdom Blog | Personal Finance (3) description: Personal Finance | 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. (3) --- [![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 ** 06 Jul ![father giving daughter in shopping carriage a high five at the grocery store](https://go.hfcu.org/hubfs/Blog%20Photos%20800%20x%20800px%20(36).jpg) What is the Difference Between A CD And A Share Certificate? We often get members who'll come into a branch or call our Remote Support team to ask about opening a Certificate of Deposit (CD). Sometimes they're surprised to learn that we don't offer CDs; we.. ** Personal Finance Savings ** Hanscom Federal Credit Union ](https://go.hfcu.org/blog/share-certificate) - [Read More ** 01 Jul ![A young tan-skinned boy is putting a bag in a trunk that is already full of luggage, a cooler, and a basket.](https://go.hfcu.org/hubfs/Dont%20Let%20Inflation%20Spoil%20Your%20Summer%20Vacation%20Plans.png) ](https://go.hfcu.org/blog/dont-let-inflation-spoil-your-summer-vacation-plans) [Make Your Summer Vacation Plans Inflation-Proof Inflation continues to heat up finances this summer. Airline tickets, lodging, and [gasoline](https://go.hfcu.org/blog/saving-with-rising-gas-prices) are almost too hot for many households to touch. Soaring prices are causing people to rethink [summer..](https://go.hfcu.org/blog/6-summer-saving-tips) ](https://go.hfcu.org/blog/dont-let-inflation-spoil-your-summer-vacation-plans) ** Personal Finance Travel Family Finance Saving Money ** Tracy Scott - [Read More ** 21 Jun ![young woman helping older woman with identity theft](https://go.hfcu.org/hubfs/Untitled%20design%20-%202020-09-28T125311.822.jpg) How to Help a Victim of Identity Theft My brother's voice was laced with panic. "Please call me back," he said in the voicemail. "I got a notice today that my credit score is in the 600s and I don't understand why." ** Security Home Credit Cards Personal Finance Credit Score Scams Online Banking Retirement ** Hanscom Federal Credit Union ](https://go.hfcu.org/blog/how-to-protect-your-loved-ones-from-identity-theft) - [Read More ** 06 May ![A dark-haired woman sits at a table in a cafe with a coffee browsing the internet on her laptop. ](https://go.hfcu.org/hubfs/Blog%20Photos.png) ](https://go.hfcu.org/blog/6-tips-for-better-password-protection) [6 Tips for Better Password Protection While Hanscom FCU and its Online Access provider employ [multiple layers of security](https://go.hfcu.org/blog/5-ways-secure-online-access) to protect your account information and transactions on our servers and the internet, good password management is.. ](https://go.hfcu.org/blog/6-tips-for-better-password-protection) ** Personal Finance ** MoneyWisdom Newsletter - [Read More ** 28 Apr ![](https://go.hfcu.org/hubfs/5%20Places%20To%20Stash%20Your%20Cash.png) Emergency Savings Accounts: 5 Places to Stash Your Cash What if your income stream suddenly stopped? Would paying for the essentials be difficult? What if an unexpected expense, such as a medical bill, popped up? Would you be able to pay it? Many people.. ** Personal Finance Savings Checking ** Hanscom Federal Credit Union ](https://go.hfcu.org/blog/emergency-savings-accounts-where-to-stash-your-cash) - [Read More ** 14 Mar ![couple snuggled up together looking at smartphone](https://go.hfcu.org/hubfs/2022%20Blog%20Post%20Images%20800x800.jpg) ](https://go.hfcu.org/blog/earn-more-with-a-certificate-laddering-strategy) [Earn More With a Certificate Laddering Strategy [Hanscom FCU’s certificate accounts](https://www.hfcu.org/checking-and-savings/certificates.html) are a smart and safe way to reach your savings goals while letting you earn a great rate. However, you can earn even more when you use a laddering strategy with.. ](https://go.hfcu.org/blog/earn-more-with-a-certificate-laddering-strategy) ** Hanscom FCU Personal Finance ** MoneyWisdom Newsletter - [Read More ** 31 Jan ![A young woman works on her finances at her kitchen table, with her laptop, calculator, and bills spread out in front of her. ](https://go.hfcu.org/hubfs/Federal%20Loan%20Extension.png) Make the Most of the Federal Student Loan Pause An incredible 41 million Americans have federal student loans, and here’s some welcome news from them after what has been a rough twenty months: The government has extended a pause on federal loan.. ** Personal Finance Debt College COVID ** Sandra Quadros Bowles ](https://go.hfcu.org/blog/make-the-most-of-the-federal-student-loan-pause) - [Read More ** 18 Jan ![woman's hands checking credit score on tablet next to dog on couch](https://go.hfcu.org/hubfs/Blog%20Photos%20800%20x%20800px%20(28)-1.jpg) Obsessed With Your Credit Score? Here’s Why You Shouldn’t Be Like many newlyweds, Tarah and Ryan of Littleton, MA, dreamed about becoming homeowners someday. Their first step? Getting a handle on their credit scores. A preliminary credit check surprised Tarah;.. ** Credit Cards Personal Finance Credit Score ** Hanscom Federal Credit Union ](https://go.hfcu.org/blog/credit-score-obsession) - [Read More ** 23 Dec ![Black man and woman at kitchen table working on tax paperwork](https://go.hfcu.org/hubfs/Blog%20post%20images%20-%20Monica.jpg) ](https://go.hfcu.org/blog/tax-time-4-steps-to-organize-before-you-begin) [Tax Time: 4 Steps to Organize Before You Begin This time of year you might have your mind on [holiday shopping](https://go.hfcu.org/blog/3-holiday-overspending-traps-to-avoid-this-year) and travel, getting your [annual free credit score](https://go.hfcu.org/blog/3-tricks-to-boost-your-credit-score), or [reevaluating your estate plan](https://go.hfcu.org/blog/is-your-estate-plan-keeping-up-with-you), but it's also a great time to get started on your.. ](https://go.hfcu.org/blog/tax-time-4-steps-to-organize-before-you-begin) ** Personal Finance Government Taxes ** Hanscom Federal Credit Union - [Read More ** 01 Dec ![](https://go.hfcu.org/hubfs/Blog%20Photos%20800%20x%20800px%20(21).jpg) These 3 Mobile Banking Tools Simplified My Life I love modern technology – especially in the world of financial services. It has given local banks and credit unions the ability to provide the same service as the big banks and yet still maintain.. ** Hanscom FCU Mobile Banking Personal Finance ** Bill Burpeau ](https://go.hfcu.org/blog/these-3-mobile-banking-tools-simplified-my-life) [**](https://go.hfcu.org/blog/topic/personal-finance/page/2) [1](https://go.hfcu.org/blog/topic/personal-finance/page/1) [2](https://go.hfcu.org/blog/topic/personal-finance/page/2) [3](https://go.hfcu.org/blog/topic/personal-finance/page/3) [4](https://go.hfcu.org/blog/topic/personal-finance/page/4) [5](https://go.hfcu.org/blog/topic/personal-finance/page/5) [...](https://go.hfcu.org/blog/topic/personal-finance/page/8) [27](https://go.hfcu.org/blog/topic/personal-finance/page/27) [**](https://go.hfcu.org/blog/topic/personal-finance/page/4) ## 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. 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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" : "Personal Finance | 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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