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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.

Caroline Cross

Caroline Cross is a the branch lead at VSECU's Williston Branch. Her daily interactions with members can range from opening accounts to closing consumer loans. Caroline lives in Williston with her husband and two children.

By: Caroline Cross

October 9th, 2020

Saving for the Holidays: Four Simple Ways to Save Money for Shopping

Saving and Budgeting

Buying gifts for the holidays can be daunting if you don’t have a strategy in place to help you set aside spending money. Even if you have been careful with your money throughout the year, best intentions to spend wisely can fly out the window once the holiday season starts. Overspending during the holidays can cause some people to feel extra guilt and stress, taking away from the enjoyment of the season. If you’re unsure how to start saving for the holidays, here are a few ideas to help you get started.

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By: Caroline Cross

August 7th, 2020

Teach Your Teen How to Use Their First Checking Account

Youth and Finances | Saving and Budgeting

A first checking account is a rite of passage. Many children have savings accounts opened in their names when they are born, but as your child gets older and develops, he or she will need a checking account to gain experience managing their money. As said by the character Benjamin Parker in Spider-Man, “With great power comes great responsibility.” A checking account can be a great responsibility, so it’s important that your teen knows how they work.

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By: Caroline Cross

July 10th, 2020

How to Teach Your Kids to Count and Identify Coins

Youth and Finances | Learn Something New

Nowadays, people make most of their purchases with plastic, so you may wonder if it’s worthwhile to teach your kids how to identify and count coins. The truth is, coins are still in use, particularly by kids, and knowing how to count them is an important, fundamental skill for children.

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By: Caroline Cross

May 28th, 2019

How to Stop Living Paycheck to Paycheck

Saving and Budgeting

Though I help people figure out their money woes all day, when it comes to my own finances, I sometimes feel like sticking my head in the sand like the proverbial ostrich. Like anyone else, once I pay my bills, I’m lucky if I have extra money for the things I want to do. Fortunately, I’ve learned a few money-saving strategies along the way. If you’d like to stop living paycheck to paycheck, here are some techniques you can try:  

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6 Tips for Improving Your Credit Score

Cultivate and Maintain an Excellent Credit Score

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By: Caroline Cross

April 24th, 2019

Simple Steps to Solve Common Financial Issues

Credit and Debt | Saving and Budgeting

Discussions about money can feel taboo, so it’s easy to feel alone when you have financial issues and hard to know who to ask for advice. Besides confiding in a trusted representative at your credit union or bank, below are some ideas that may help you recover from common money mistakes and reduce your anxiety so you can start saving again.   

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By: Caroline Cross

April 25th, 2018

Credit Score Breakdown: 5 Factors of a Healthy Score

Credit and Debt

Your credit score is a number, based on your credit report, that helps financial institutions determine if you will repay a loan. Credit scores can range from 300-850. Typically, the higher the credit score, the more likely the borrower will pay off their loan.

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By: Caroline Cross

January 30th, 2018

Home Upgrade: Is it Time to Buy a Bigger House?.

Homebuying and Mortgages | Lifestyle

If you have owned your home for a while, you may be ready to upgrade to a bigger house; but before calling the movers, consider why you want to move and what the financial impact of owning a larger home could be.         

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By: Caroline Cross

August 29th, 2017

How to Reduce Debt Faster with Principal Payments

Credit and Debt

When you take out a loan or put charges on your credit card, you’re not just responsible for paying back the amount you have borrowed; you also have to pay interest. However, you can reduce the amount of interest you owe by making extra principal payments. How do you do that?

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