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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.

By: Rachel Feldman

April 9th, 2019

Adulting 101: Money Management for 30-Somethings

Youth and Finances | Saving and Budgeting

A lot of things happen when you hit your thirties. Most are great, some are sobering, and all of them make you aware of the fact that you’re aging, for better or worse.

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By: Yvonne Garand

March 29th, 2019

Women in Leadership: The Power of the Female Brain

Business Development | Learn Something New

How many times have you sat in a meeting and made a suggestion or a statement that gets you a few nonchalant head nods; then a man in the room makes the same suggestion and receives a round of applause and support? How many times have you been engaged in conversation with a group of men and realized nobody is making eye contact with you anymore and the men have created a bond that you just can’t infiltrate, so you sit quietly, shrink, and settle for observing after several attempts to engage? How many times have you been asked a question by a man, which you answer, and then the questioner bypasses your gaze to check in with another man for the “real answer”? How many times have you heard, “just get to the point”? If you’re a woman, I am confident you can relate.  

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By: Alicia White

March 21st, 2019

It's Time to Prepare for Home Improvement Projects

Homebuying and Mortgages | Saving and Budgeting

Homeowners have what seems like a never-ending list of need-to-do and want-to-do home improvement projects. From regular maintenance and repairs to protect your home’s value, to bathroom updates or additions to potentially increase value. The reality is that all renovations and repairs cost money and there is some serious time and planning involved if you want the project done right.

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By: Heidi White

March 7th, 2019

Women and Money: Finding Balance

Saving and Budgeting | Investing in the Future

The idea of leading a balanced life is not a new idea. We are more fulfilled when we achieve balance in all areas our life, including our work, personal relationships, family, and finances.

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6 Tips for Improving Your Credit Score

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By: Brian Bristow

March 5th, 2019

How to Overcome the Retirement Gender Pay Gap

Saving and Budgeting | Investing in the Future

The gender pay gap has been a topic of conversation and concern for years. Statistically, women make about 80 cents for every dollar earned by a man (20% less). Once they hit 65, they tend to make about 25% less than men and make increasingly less than men as they age. There are a lot of reasons for the gender pay gap, which we won’t get into here, but the sad truth is that the gap continues into retirement, leaving women with a lower retirement income than men.

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By: Heidi White

February 27th, 2019

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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By: Brian Bristow

February 26th, 2019

How to Invest in a Bear Market

Saving and Budgeting | Investing in the Future

There’s no denying that the markets have become more turbulent. In fact, the major market indexes in the United States entered a bear market on Christmas Eve of 2018. In a bear market, prices for stocks and other securities fall, which can lead investors to panic and sell off their securities. As more and more people sell, securities prices continue to fall. In general, a bear market will eventually come to an end, hopefully leading to a bull market that brings the markets back up to their former glory, but in the meantime, your portfolios, mutual funds, IRAs, 401ks, and other securities-based accounts may lose value. Determining how to invest in a bear market can help protect your investments from the long-term effects of stormy markets.

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By: Christine Davidson

February 12th, 2019

Best Practices for Buying a Used Vehicle

Saving and Budgeting | Auto Buying

How to Find a Great Deal You have made the decision to purchase a used car, but you’re not sure where to begin. You know you want something that will last a long time and you know you don’t want to pay too much (which is why you’re buying second-hand). But how do you find that winning combination of long life expectancy and low cost in a vehicle you can enjoy driving? When it comes to used cars, there are three keys to finding a great deal: knowing your needs and limitations, eliminating damaged and unsafe vehicles, and finding affordable financing options.

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Cultivate and Maintain an Excellent Credit Score

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