Last updated 11 months ago
Life brings many unexpected expenses, many of which are paid with a credit card. Paying the minimum balance on your credit card bill may seem practical, but the longer you live with your debt, the more interest you will end up with. Make a debt-free life your top financial priority and pay down your debt with these helpful spending strategies:
Use Less Gasoline
If you use your car to get everywhere, you probably spend a lot of money on gas. One great way to save money is to choose more economically efficient ways to get around. Use public transportation or organize a carpool to get to your job every day. You might also walk or bike to destinations that are a reasonable distance away and experience savings while getting some fresh air.
Shop with Your Head
Food is an essential purchase. However, there are many ways you can save at the grocery store. For instance, buying in bulk and choosing generic brands is a great way to get the products you need for less money. Also, never underestimate the savings that come with coupons or items on sale. Finally, never go shopping when you’re hungry—you are less likely to make smart purchases when your stomach is telling you to buy everything.
Rethink Your Entertainment
If you regularly pay full price for event tickets, you should check museums, skating rinks, local parks, and movie theaters to see if they have free or reduced-price events. You might also think about hosting a movie or board game night at your home. Also, rather than paying for coffee-to-go at a café, take the time to make your own at home before you leave. You can save money, pay down your debt, and enjoy fun entertainment options if you make thoughtful financial choices.
Jeanne D’Arc Credit Union is committed to helping you find financial stability. We can help you transfer your balance to a credit card with a lower rate, as well as travel and CashBack rewards. For more information, visit our website or call us at (978) 452-5001.
Last updated 11 months ago
Millions of Americans are discovering the benefits of working with smaller, community-centered credit unions versus large, impersonal banking institutions. If you’d like to learn more about making the switch to a credit union and its positive impact on your finances, take a look at the links provided. Call Jeanne D’Arc Credit Union today at (978) 452-5001 to speak to one of our professionals about the advantages of banking with us.
Before making the switch from your old bank to a new credit union, be sure to follow some of the steps laid out in this ABC News article.
Do you need help planning for your kids’ future? Take a look at this page from Bankrate.com.
You can read more about the benefits of giving a bond by heading over to the U.S. Securities and Exchange Commission’s webpage.
Help your college student avoid credit card troubles by sharing this important FoxBusiness.com article with him or her.
There’s no better place to read about the benefits of switching to a credit union credit card than this online article from Forbes.com.
Last updated 11 months ago
Credit card companies love to target college campuses as part of their major marketing strategy. As students become more financially secure, it’s important that they understand the responsibilities that come with using credit to make purchases.
As you will learn in this video, the penalties that students face for not paying credit bills on time are high interest, poor credit, and huge debts. College students should consistently pay their bills on time and avoid relying too much on credit.
If you’re a student who’s interested in learning more about healthy credit card spending, speak with a representative at Jeanne D’Arc Credit Union. To schedule a personal meeting or to discuss any of our other services, call us today at (978) 452-5001.
Last updated 12 months ago
Instead of picking out new sweaters or more unnecessary electronics for your loved ones this holiday season, why not consider giving a gift that will keep on giving? With help from Jeanne D’Arc Credit Union in Lowell , you can find a variety of great gifts that will bring your friends and family members financial opportunity and a feeling of deep appreciation. Take a look at these ideas to find out how a credit union can help you during the holidays:
Savings Bonds Make Perfect Stocking Stuffers
Buying an electronic savings bond is simple with help from Jeanne D’Arc Credit Union. We can help you print out an official gift certificate as proof of your generous gift. Bonds are safe investments that family and friends can enjoy far into the future.
Receive a Helping Hand with Your Holiday Expenses
The holidays can be one of the most financially straining times of the year. If you and your family have major purchases to make, you should consider securing a personal loan with a Lowell credit union representative. With low interest rates and favorable terms, a personal loan can be the perfect financial stimulus you need this holiday season.
Ensure a Bright Future for Your Kids with a Savings Account
It’s never too early to start putting money aside for your kids’ future. By opening a savings account for your kids at your local Lowell credit union, you can help make their future dreams a reality. Although a savings account may be a harder sell than a new toy, your kids will thank you in the future.
Jeanne D'Arc Credit Union offers clients a number of services to make the holiday season a little brighter. You can visit any one of our Lowell-area branches to discuss your options with one of our caring and knowledgeable staff members. To find your closest branch, call us today at (978) 452-5001.
Last updated 1 year ago
If the financial crisis taught us anything, it’s that you can never be too careful about where you invest your money. When you place your money in a local credit union, you’re making a secure and wise decision that benefits your future and that of your community. Here is how you can finally break free from banks that are “too big to fail” and make the switch to a smarter alternative:
Find a Credit Union with Competitive Rates
The reduction in fees is one of the biggest draws to switching from a major banking institution to a local credit union. Most banks these days charge a number of hidden fees for simple services like opening a new account, ordering new checks, or simply using a debit card. It’s estimated that credit unions can help members save $6 billion each year thanks to lower fees and rates.
Discover the Locations of Your Future Credit Union
In order to make a smart switch from your major bank to a Lowell credit union, shop around for a financial institution with plenty of experience, a great reputation, and plenty of convenient locations. Many credit unions offer numerous locations, making them just as handy as banks without the hassle.
Consider Obtaining a “Switch Kit”
A reliable and friendly Lowell credit union can assist new members to the fullest extent. After opening your new account, ask a credit union representative how you can transfer all of your funds and prior banking information. Many institutions offer “switch kits” to make the move easier.
You can learn more about breaking free from your bank by visiting Jeanne D’Arc Credit Union. We’ve helped thousands of Lowell residents make the switch by offering assistance through every step of the transferring process. Call us at (978) 452-5001 to learn more about our financial services.