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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: Heidi White

February 5th, 2019

How to Make a Budget

Credit and Debt | Saving and Budgeting

What’s the secret to saving money? Use less money than you make! Saving money is really quite simple, and yet many people struggle to do it. Instead, we tend to use credit to make purchases and end up paying high interest rates on our debt. Why is it so hard to save? Because in order to achieve any goal, you need a plan. With savings, the plan is called a budget.

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By: Brian Bristow

January 23rd, 2019

How to Start Investing on a Low Budget

Investing in the Future

It’s a new year—the best time of year to set resolutions and goals. If you don’t have savings or are living on a low budget, the idea of setting an investment goal might feel uncomfortable, but remember that discomfort often comes with growth. This is the time to challenge yourself to not just survive the year financially, but to come out ahead in the end. Even if you don’t have a lot of money, this is possible. Here’s how.

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By: Christine Davidson

January 16th, 2019

New Year's Resolutions for My Car

Auto Buying

I start each year off like everyone else, with New Year’s resolutions—eat healthier and exercise more. Well this year I thought I would have a New Year’s resolution for my car! If you’re looking for some smart resolutions that will help you save money and maintain the value of your car, here are some resolutions you may want to make.

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By: Mark Kelley

January 8th, 2019

A Free Tool for Assessing the Energy Efficiency of Your Business

Business Development | Energy Savings

Small businesses come in a variety of sizes and types in Vermont. So, it is no wonder that there is no “one-size fits all” solution for energy savings when it comes to how Vermonters make a living. According to the U.S. Small Business Administration, “over half of the U.S. workforce either owns or works for a small business.” It’s clear that small businesses, like yours, power our economy. And your business needs power to keep the lights on, to heat and cool, and more. And, chances are you are paying for more energy than you need to get the job done.

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6 Tips for Improving Your Credit Score

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By: Corinne Brochu

December 26th, 2018

IRA Contribution Limits Are Increasing in 2019

Investing in the Future

If you have an individual retirement account (IRA), your annual contributions have a limit. In 2019, those limits are rising, which is great news for those who like to save the maximum. Below, you’ll find everything you need to know about the new maximums and your phase-out range (if you are covered by a retirement plan at work). 

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By: Danielle Laberge

December 21st, 2018

Solar Energy & How to Prepare For a Power Outage

Energy Savings | Learn Something New

Extreme weather events are causing increasing numbers of power outages, and power outages can impact your life and your livelihood—maybe you have to throw out a freezer full of spoiled food, or you are cut off from loved ones during a storm, or can’t shower before work. It’s important to have energy alternatives that can help you meet your essential needs and keep your home habitable, maybe for an extended period, during power outages. Most people say water, food, warmth, and communication rank as essential needs. To help meet those needs, people are increasingly looking for new uses of solar energy that can help them protect their homes during outages. Here’s why.

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By: Thomas White

December 11th, 2018

How to Keep Your Payment Cards Safe over the Holidays

Identity and Fraud Protection

Criminals love the holiday season. Why? Because it gives them more opportunities to steal payment card information. They do this at the register, online, by phone, and even at the gas station. Fraudsters have many techniques for committing card fraud. This article will outline some of their techniques and give you some tips for how to keep your payment card safe over the holidays.  

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By: Christine Davidson

December 6th, 2018

Snowmobile for Sale: Should You Finance Your Winter Toy?

Credit and Debt | Saving and Budgeting | Lifestyle

Winter is definitely here and you may be thinking about enjoying this early winter snow with a new snowmobile. You may wonder whether you should finance the sled or pay cash for it. If so, you can begin by asking yourself a couple of questions: Do have enough cash to purchase the snowmobile out of pocket? If I take out a loan, can I afford another monthly payment? Do I have to put insurance on the snowmobile? How much do I really want to spend?

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Cultivate and Maintain an Excellent Credit Score

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Cultivate and Maintain an Excellent Credit Score

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