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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.

Heidi White

Heidi White is the content and communications manager at VSECU. She is responsible for communicating information and ideas through the written word for the credit union’s internal and external audiences. Her passion is helping people live more joyful lives through timely, useful, and compelling content. Heidi lives in Barre, Vermont.

By: Heidi White

April 1st, 2021

What Is Financial Literacy and Why Is it Important?

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

Financial literacy is more than just the knowledge you need to make responsible financial decisions. It’s also the ability to put that knowledge to good use. Those who are financially literate can create a budget and manage their checking account. They understand how credit cards work and how to use them without racking up debt. And they know what is involved in saving for their future financial needs like college, a home, or retirement.

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By: Heidi White

November 12th, 2020

COVID Holidays: How to Survive the Holidays Away from Family

Learn Something New

The holidays are coming and no matter what religion or philosophy you embrace, you probably have traditions you look forward to year after year. Large family gatherings aren’t safe right now and travel is highly discouraged, so you may wonder how you’ll make it through what could seem like a bleak holiday season.

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By: Heidi White

November 3rd, 2020

How to Use Your Credit Card for Holiday Shopping

Credit and Debt | Saving and Budgeting

With the holidays coming, you’ve probably already pulled out the credit card and are ready to wield it in whatever way necessary to put smiles on the faces of your family and friends. With the pandemic ongoing and winter creating greater challenges for shopping, you may be considering shopping online as a general rule. But whether you choose to shop online or prefer to brave the stores, I’ve got some solid advice you can use to protect your card and your finances this holiday season.

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By: Heidi White

October 29th, 2020

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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6 Tips for Improving Your Credit Score

Cultivate and Maintain an Excellent Credit Score

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By: Heidi White

September 1st, 2020

How to Balance Your Checkbook

Saving and Budgeting | Learn Something New

If you’ve ever bounced a check, you know that it’s an expensive mistake to make. Not only does your financial institution charge you a fee, you may also have to pay a fee to the person or company you bounced the check with. A bounced check could cost $30 or more, depending on your situation. And if your checking account is already low on funds, that can feel like a blow to the gut.

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By: Heidi White

June 15th, 2020

The Benefits of a Bank Account

Alternative Banking | Saving and Budgeting

If you don’t have a credit union or bank account, you aren’t alone. According to the most recent FDIC survey, “an estimated 6.5% of U.S. households (8.4 million households) were ‘unbanked’ in 2017” and “an additional 18.7% of U.S. households (24.2 million) were ‘underbanked.’ In 2015, an estimated 1.5% of Vermonters (out of a population of 626,299, that’s 9,394 people) were unbanked. 11.6% were underbanked. This is a fairly low rate in comparison to other states, but it’s still a lot of people who live without any or adequate banking services.

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By: Heidi White

April 13th, 2020

Tips for Reducing Stress while "Social Distancing"

If you’re a human being on planet earth today, you are probably feeling some level of stress or anxiety about COVID-19, which is likely made worse by social distancing. People are coming up with more positive spins on social distancing—distant socializing and physical distancing, for example—but the fact remains that we are all under increased stress and most of us are feeling distant from the social networks that would normally help us deal with the stress.

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By: Heidi White

January 23rd, 2020

How Does Shared Branching Work?

Alternative Banking | Cooperatives

Credit unions tend to serve local populations, so finding a branch while you’re traveling afar can be a trick. The CO-OP Shared Branching Network has solved this problem by allowing credit unions across the country to band together and offer services to members of all networked credit unions.

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