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Financial and Lifestyle Resources for Vermont

VSECU Blog

VSECU Blog. Financial and lifestyle resources for Vermonters - a credit union for everyone in Vermont.

By: Rod Sigurdson

January 20th, 2017

New Year’s Resolutions - A Model for Success

Saving and Budgeting | Lifestyle

The end of January is on the horizon. Are you still holding strong to your New Year’s resolutions or are they languishing in the wasteland of abandoned intentions? Maybe you hoped to save enough to make a downpayment on a new home this year or put more into your retirement fund. Maybe you just want to lose a few extra pounds. Well, this is your reminder to pull out those dejected intentions or create a fresh set of resolutions based on your needs, wishes, or desires, and try something new today.

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By: Katie Maguire Bagnall

January 17th, 2017

5 Common Credit Score Myths

Credit and Debt

When it comes to credit scores there are a lot of myths, which can cause consumers to make poor decisions about their credit card use. Here is a list of the most common misconceptions (and why you shouldn’t believe them):  

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By: Heidi White

January 13th, 2017

7 Tips for Surviving Winter

Learn Something New | Lifestyle

Suggestions to lift your spirits during the cold months Winter blues can take a toll on your finances as you pay more for repeat visits to the doctor's or psychologist's office and/or lose income due to sick days or extra mental health days. If you find it tough surviving winter, you’re not alone and you have options. Here are some tips to help you survive the cold, dark season.

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By: Jason Felch

January 6th, 2017

What It Takes to Get Approved for a Loan

Credit and Debt | Saving and Budgeting

Q: Is there more to getting approved for a loan than just A+ credit?  A: Yes! Your Ratios! (debt to income ratio and unsecured ratio)

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6 Tips for Improving Your Credit Score

Cultivate and Maintain an Excellent Credit Score

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By: Katie Maguire Bagnall

January 2nd, 2017

How to Spend Your Holiday Bonus

Credit and Debt | Saving and Budgeting | Investing in the Future

If you get a little extra cash in your paycheck from a holiday or year-end bonus, stretch it as far as you can in a way that will help you over the long term and still afford you some fun. Receiving unexpected money is a great way to get ahead financially. Whether you get 100 dollars or 1,000, there are many ways to put it to good use. So how are you going to spend your holiday bonus?

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By: Caroline Cross

December 29th, 2016

Managing Finances When Your Spouse Passes

Credit and Debt | Saving and Budgeting | Learn Something New

When your spouse passes away, you will have to collect legal documents, uncover and calculate your spouse’s personal debts, and determine which of your joint financial obligations now belong to you. However overwhelming it may seem, the following steps can help you gain control over your finances and protect your credit score.

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By: Katie Maguire Bagnall

December 26th, 2016

What to Consider before Buying a Dog

Saving and Budgeting | Learn Something New

Before you buy a dog, you should consider two major factors: how much the dog will cost you now and over the coming years, and where you want to purchase the dog. Determining whether or not you can afford the dog will prevent you from buying a friend you will only have to give up later. And buying a dog from a humane society or rescue shelter (rather than a pet store) can save a dog’s life, save you money, and still reward you with a thankful and loving companion.

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By: Caroline Cross

December 19th, 2016

Credit Card Interest Rates and Fees Explained

Credit and Debt | Saving and Budgeting

How Does my Credit Card Work? Credit cards have become the go-to payment method for most consumers. They’re so easy to get that you can apply for a card and get instant approval for a credit card at your local retail store. Unfortunately, cashiers rarely, if ever, tell you about the important features of their credit card, such as the rate or fees associated with the card. And why would they? If you were told that a card had an interest rate of 18%, would you be as likely to take the offer?

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Cultivate and Maintain an Excellent Credit Score

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Cultivate and Maintain an Excellent Credit Score

Sign up for our blog and get Six Tips for Improving Your Credit Score free!