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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

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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6 Tips for Improving Your Credit Score

Cultivate and Maintain an Excellent Credit Score

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By: Caroline Cross

June 8th, 2017

Teach Your Preteen How to Save Money

Youth and Finances | Saving and Budgeting

For preteens, saving money is like any other skill they will learn—practice makes perfect. To teach your child how to save money, encourage them to make it a habit. If you can get them to practice the fine art of saving, eventually they will do it on their own without reminders. Youth are consumers too, and learning the basics will help them become smart spenders. It will also help them form a foundation for building good credit later in life.  

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By: Caroline Cross

March 2nd, 2017

Tiny Houses v. Mobile Homes – Low Cost Living

Homebuying and Mortgages | Saving and Budgeting | Learn Something New | Lifestyle

Listen Here:  As home prices go up, you can cut costs by moving into a tiny house or a mobile home. Tiny houses are the most affordable, but not everyone can handle a tiny living space. If you’re considering downsizing or finding a more affordable home, you can start by comparing and contrasting these two styles. 

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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: 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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Don’t leave without your free eBook

Cultivate and Maintain an Excellent Credit Score

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