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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 specialist 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

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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6 Tips for Improving Your Credit Score

Cultivate and Maintain an Excellent Credit Score

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By: Heidi White

January 15th, 2020

How to Pay off Credit Card Debt Fast

Credit and Debt | Saving and Budgeting

Now that the holidays are over, how is your credit card balance looking? This is often the time of year when people take stock of their debt and begin to despair. If that’s where you’re at, take a deep breath and keep reading for some simple tips that should help you get a good, quick start on getting rid of your balance(s).

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By: Heidi White

November 8th, 2019

5 Holiday Credit Card Habits of Highly Successful Shoppers

Credit and Debt | Saving and Budgeting

If an image of your credit card immediately comes to mind when you hear the words “holiday shopping,” you aren’t alone. Some people do it the right way—saving throughout the year so they don’t need to buy on credit. The rest of us mere mortals start thinking about the holidays when they’re a couple months away and do the best we can to cover costs. If you’re a mere mortal, like myself, here are some holiday credit card habits that will help you make it through the season with your finances intact.

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By: Heidi White

August 13th, 2019

National Financial Awareness Day: Focus on Finance

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

August 14 is National Financial Awareness Day—a good reminder to take personal stock of your financial awareness. What does it mean to be financially aware? Financial awareness is akin to financial literacy and both refer to the knowledge and skill sets that support solid financial decisions and overall financial health.

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By: Heidi White

June 25th, 2019

How to Travel on a Budget

Saving and Budgeting | Learn Something New

My daughter is in college, so for the past couple of years I’ve struggled to pull together the funds for a vacation. This year is even more of a struggle because I had to pay for some significant repairs to my home and my car. I know I’m not the only one in this situation, so I thought I’d share what I’ve learned how to travel on a budget while still having a fantastic vacation.

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