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Financial and Lifestyle Resources for Vermont


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

Steve Lambert

Steve Lambert, our Burlington Branch Manager, has been banking for thirty (plus) years. He is well aware that the word “finances” makes people clam up. Having faced life in living color, Steve has hands-on experience and a cache of practical financial advice that can make a real difference in the day to day life of real people. The father of two adult sons, Steve lives in St. Albans with his wife and is a faithful follower of the Red Sox and UVM men’s basketball.

By: Steve Lambert

August 3rd, 2017

Financial Education for Asylum Seekers in Vermont

Learn Something New

Imagine that you are a refugee and have moved to a foreign country where you don’t understand the language. You don’t have a job to support yourself and your family. You aren’t familiar with the customs or the manner of conducting business.  The banking system where you came from is nonexistent, in disarray, or simply different than you are accustomed to.  Does the word “overwhelmed” come to mind?  

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By: Steve Lambert

December 5th, 2016

Life Lesson: The Value of Earning Your Way

Alternative Banking | Credit and Debt

I’ve worked in the financial services industry for over thirty years and I’ve seen the industry change in dramatic ways. People often ask “What is the life lesson that has impacted you the most in your profession?” The following story is my answer to that question and the bedrock for my interactions with others throughout my career:

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By: Steve Lambert

October 24th, 2016

Are You CEO & Treasurer of Your Financial Well-being?

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

Overdraft fees out of control According to an article at, businesses and households spent over $32.5 billion on overdraft fees charged by banks in the U.S. for the fiscal year 2015. That’s a lot of cash and over the years, I have worked directly with many people who were financially and emotionally affected by the fees charged by their financial institution. One in particular comes to mind…

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By: Steve Lambert

September 9th, 2016

The Benefits of Moving Aging Parents into the Home

Homebuying and Mortgages | Learn Something New

According to an article in the Burlington Free Press, “Vermont has the second highest median age in the nation," with one in six of us at or beyond 65 years of age.  Some might say this makes us the second most fortunate state in the country, as our elders possess a vast wealth of wisdom, knowledge, and experience that contribute to the vibrancy and diversity of our lives and communities. 

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6 Tips for Improving Your Credit Score

Cultivate and Maintain an Excellent Credit Score

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By: Steve Lambert

August 22nd, 2016

The Importance of an Emergency Fund

Credit and Debt | Saving and Budgeting

Life Happens - Be Prepared The car breaks down, and you have a car crisis. The furnace hiccups and you have a furnace crisis. You lose your phone and you have a phone crisis. Compounded, you now have a financial crisis on top of the car crisis, furnace crisis, and phone crisis, which can add stress to an already overworked and busy life. What do you do now? Short-term borrowing will add an additional expense (interest) to your already frayed budget, so that won’t work.

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