--- title: Hanscom FCU MoneyWisdom Blog | Personal Finance (6) 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. (6) --- [![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 ** 14 Jan ![](https://go.hfcu.org/hubfs/fraud-prevention-1.jpg) Protect Yourself From Unemployment Fraud The pandemic has led to multiple waves of applications for unemployment benefits, and scammers are taking advantage of the situation to apply for benefits under false identities. In this scam,.. ** Personal Finance Fraud ** MoneyWisdom Newsletter ](https://go.hfcu.org/blog/protect-yourself-from-fraud) - [Read More ** 13 Jan ![](https://go.hfcu.org/hubfs/retirement-1.jpg) An Age-by-Age Guide to Saving for Retirement Retirement experts say by the time you retire at age 67, you should have at least 10 times your annual salary saved. If that number is daunting, remember: the sooner in life you start saving, the.. ** Personal Finance Savings Retirement ** MoneyWisdom Newsletter ](https://go.hfcu.org/blog/an-age-by-age-guide-to-saving-for-retirement) - [Read More ** 12 Jan ![](https://go.hfcu.org/hubfs/auto-loan-1.jpg) Buy Vs. Lease Your Next Auto Many people would rather purchase a car and won't consider leasing. Their reasoning is usually along the lines of, "Why would I rent when I could buy?" At first glance, it's a sensible argument, so.. ** Auto Personal Finance Lending ** MoneyWisdom Newsletter ](https://go.hfcu.org/blog/buy-vs-lease) - [Read More ** 11 Jan ![](https://go.hfcu.org/hubfs/medical-bills-2.jpg) ](https://go.hfcu.org/blog/5-steps-to-handling-medical-bills) [5 Steps to Handling Medical Bills Medical bills can be a prescription for financial disaster. More than half of Americans have had medical debt sent to collections. And about half a million Americans have been forced to file [..](https://www.cnbc.com/2019/02/11/this-is-the-real-reason-most-americans-file-for-bankruptcy.html) ](https://go.hfcu.org/blog/5-steps-to-handling-medical-bills) ** Personal Finance Credit Score Savings Medical ** MoneyWisdom Newsletter - [Read More ** 23 Nov ![two young boys with election buttons](https://go.hfcu.org/hubfs/Untitled%20design%20-%202020-11-12T112321.844.jpg) How to Handle Election Year Investment Jitters If you’ve been feeling a little uneasy about what’s happening to your investment portfolio during an election year, you’re not alone. ** Investments Personal Finance ** Hanscom Federal Credit Union ](https://go.hfcu.org/blog/election-year-investment-jitters) - [Read More ** 19 Oct ![](https://go.hfcu.org/hubfs/mwisdom_blog-shopping-1.jpg) ](https://go.hfcu.org/blog/shop-online-securely) [Shop Online Securely With Click to Pay by Mastercard® We’re offering a faster and smarter way for our members to shop online securely with their [Hanscom FCU Mastercard® ATM & check card](https://www.hfcu.org/bank/checking-accounts/checking-accounts-and-services.html) and [credit cards](https://www.hfcu.org/loans-and-credit-cards/credit-cards.html). [Mastercard’s Click to Pay](http://mastercard.com/clicktopay) is a new digital.. ](https://go.hfcu.org/blog/shop-online-securely) ** Credit Cards Personal Finance Debit Cards ** MoneyWisdom Newsletter - [Read More ** 08 Oct ![mans hand with credit card at coffee shop](https://go.hfcu.org/hubfs/Untitled%20design%20-%202020-10-06T113225.563.jpg) ](https://go.hfcu.org/blog/when-to-use-credit-and-when-to-avoid-it) [How to Use Your Credit Wisely If used carefully, credit can be a helpful financial tool. For example, using credit [to purchase a home now](https://go.hfcu.org/blog/best-season-to-buy-a-house), rather than trying to save up the whole purchase price, makes good financial sense. The.. ](https://go.hfcu.org/blog/when-to-use-credit-and-when-to-avoid-it) ** Credit Cards Personal Finance ** Hanscom Federal Credit Union - [Read More ** 28 Sep ![man using home automation app on ipad](https://go.hfcu.org/hubfs/Untitled%20design%20-%202020-09-28T154018.797.jpg) How Home Automation Can Save You Money Are you ready to automate your home? The initial financial investment could be offset by the savings in running your home more efficiently.  Home automation is coming on strong as the technology.. ** Home Personal Finance ** Hanscom Federal Credit Union ](https://go.hfcu.org/blog/home-automation-can-save-you-money) - [Read More ** 23 Sep ![](https://go.hfcu.org/hubfs/Untitled%20design%20-%202020-09-23T132548.148.jpg) ](https://go.hfcu.org/blog/money-and-finances-are-top-reasons-for-stress) [How to Reduce Money Stress This Fall Are you feeling stressed about money this fall? You're not alone. [A recent survey](https://www.nefe.org/news/polls/2020/survey-covid-19-crisisi-causing-financial-stress.aspx) conducted by the National Endowment for Financial Education® (NEFE®) reported that nearly nine out of ten, or 88.. ](https://go.hfcu.org/blog/money-and-finances-are-top-reasons-for-stress) ** Mobile Banking Personal Finance Debt Savings Budget Work ** Maria Porto - [Read More ** 11 Sep ![young insolvent woman on couch facing bankruptcy](https://go.hfcu.org/hubfs/Untitled%20design%20-%202020-09-09T164654.187.jpg) The Difference Between Bankruptcy and Insolvency I was with a friend recently who was telling me about a family member whose finances were circling the drain. “She’s got no savings, her credit cards are maxxed, she’s getting calls from creditors.. ** Personal Finance Debt Financial Wellness ** Hanscom Federal Credit Union ](https://go.hfcu.org/blog/the-difference-between-bankruptcy-and-insolvency) [**](https://go.hfcu.org/blog/topic/personal-finance/page/5) [1](https://go.hfcu.org/blog/topic/personal-finance/page/1) [...](https://go.hfcu.org/blog/topic/personal-finance/page/1) [4](https://go.hfcu.org/blog/topic/personal-finance/page/4) [5](https://go.hfcu.org/blog/topic/personal-finance/page/5) [6](https://go.hfcu.org/blog/topic/personal-finance/page/6) [7](https://go.hfcu.org/blog/topic/personal-finance/page/7) [8](https://go.hfcu.org/blog/topic/personal-finance/page/8) [...](https://go.hfcu.org/blog/topic/personal-finance/page/11) [27](https://go.hfcu.org/blog/topic/personal-finance/page/27) [**](https://go.hfcu.org/blog/topic/personal-finance/page/7) ## 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" : "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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