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Financial and Lifestyle Resources for Vermont

VSECU Blog

In the VSECU Blog you'll find financial and lifestyle resources to help empower possibilities for your personal success.

By: Heidi White

March 7th, 2019

Women and Money: Finding Balance

Saving and Budgeting | Investing in the Future

March 8, 2019, is International Women’s Day and, of course, there’s a hashtag: #BalanceforBetter. This hashtag encourages a more gender-balanced world. Balance is important in all aspects of life and women have a lot to balance, so this is an apt hashtag for the Day. And on that note…

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By: Brian Bristow

March 5th, 2019

How to Overcome the Retirement Gender Pay Gap

Saving and Budgeting | Investing in the Future

The gender pay gap has been a topic of conversation and concern for years. Statistically, women make about 80 cents for every dollar earned by a man (20% less). Once they hit 65, they tend to make about 25% less than men and make increasingly less than men as they age. There are a lot of reasons for the gender pay gap, which we won’t get into here, but the sad truth is that the gap continues into retirement, leaving women with a lower retirement income than men.

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By: Heidi White

February 27th, 2019

Creative Ways to Save Money on a Tight Budget

Saving and Budgeting

For most of us mere mortals, saving money is difficult at best. It’s easy to begin with the best of intentions only to give up due to forgetfulness, frustration, or exhaustion. To help you get started and keep going, here are three sets of creative ideas for saving money on a tight budget. The first set will help you get going. The second set will keep you motivated. The third set will help ensure long-term success.

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By: Brian Bristow

February 26th, 2019

How to Invest in a Bear Market

Saving and Budgeting | Investing in the Future

There’s no denying that the markets have become more turbulent. In fact, the major market indexes in the United States entered a bear market on Christmas Eve of 2018. In a bear market, prices for stocks and other securities fall, which can lead investors to panic and sell off their securities. As more and more people sell, securities prices continue to fall. In general, a bear market will eventually come to an end, hopefully leading to a bull market that brings the markets back up to their former glory, but in the meantime, your portfolios, mutual funds, IRAs, 401ks, and other securities-based accounts may lose value. Determining how to invest in a bear market can help protect your investments from the long-term effects of stormy markets.

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6 Tips for Improving Your Credit Score

Cultivate and Maintain an Excellent Credit Score

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By: Christine Davidson

February 12th, 2019

Best Practices for Buying a Used Vehicle

Saving and Budgeting | Auto Buying

How to Find a Great Deal You have made the decision to purchase a used car, but you’re not sure where to begin. You know you want something that will last a long time and you know you don’t want to pay too much (which is why you’re buying second-hand). But how do you find that winning combination of long life expectancy and low cost in a vehicle you can enjoy driving? When it comes to used cars, there are three keys to finding a great deal: knowing your needs and limitations, eliminating damaged and unsafe vehicles, and finding affordable financing options.

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By: Heidi White

February 5th, 2019

How to Make a Budget

Credit and Debt | Saving and Budgeting

What’s the secret to saving money? Use less money than you make! Saving money is really quite simple, and yet many people struggle to do it. Instead, we tend to use credit to make purchases and end up paying high interest rates on our debt. Why is it so hard to save? Because in order to achieve any goal, you need a plan. With savings, the plan is called a budget.

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By: Brian Bristow

January 23rd, 2019

How to Start Investing on a Low Budget

Investing in the Future

It’s a new year—the best time of year to set resolutions and goals. If you don’t have savings or are living on a low budget, the idea of setting an investment goal might feel uncomfortable, but remember that discomfort often comes with growth. This is the time to challenge yourself to not just survive the year financially, but to come out ahead in the end. Even if you don’t have a lot of money, this is possible. Here’s how.

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By: Christine Davidson

January 16th, 2019

New Year's Resolutions for My Car

Auto Buying

I start each year off like everyone else, with New Year’s resolutions—eat healthier and exercise more. Well this year I thought I would have a New Year’s resolution for my car! If you’re looking for some smart resolutions that will help you save money and maintain the value of your car, here are some resolutions you may want to make.

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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!