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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: Yvonne Garand

March 6th, 2018

What Should I Do with My Tax Refund?

Investing in the Future | Saving and Budgeting

Many taxpayers get excited when they discover that they will get a tax refund. In 2016, the average taxpayer refund was approximately $3,000. That’s a lot of money! So, if you're asking the question "what should I do with my tax refund?" consider these five smart moves.  

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By: Tessa Collette

February 27th, 2018

How to Save Money and Pay off Debt

Credit and Debt | Saving and Budgeting

Reducing debt and saving money go hand in hand because you can’t save money if you use every paycheck to pay off debt and monthly bills. How do you get a grip on your debt so that more of your earnings can land in your savings account?

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By: Christine Davidson

February 20th, 2018

How to fix your credit report and raise your credit score

Credit and Debt | Saving and Budgeting

Your credit score is a good tool for measuring your financial wellbeing. Your score shows how good you are at paying bills on time, how much revolving debt you’ve taken on, and any debt you have neglected to pay off. Your credit report delivers your credit score. This is kind of like a report card, showing your overall credit score and the reasons for the low or high score.

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By: Christine Davidson

February 13th, 2018

What Car is Right for Me?

Auto Buying

If you’re in the market for a car, you’re probably wondering “what car is right for me?” It’s a big financial and personal decision, which will likely result in some debt. Plus, you’ll have the car for years to come, so you want to make sure you’re buying something that will fit your lifestyle for the next three to eight years. In other words, this is a decision that is worth thinking through.

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6 Tips for Improving Your Credit Score

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By: Yvonne Garand

February 7th, 2018

Worried about Monday's Stock Market Decline? 

Investing in the Future | Saving and Budgeting

Stay Calm, Despite the Headlines You’ve probably heard the news. The market declined on Monday, February 5, with the Dow Jones Industrial Average losing 1,175 points to close at 24,325. The media touted it as the largest single-day point decline in stock market history. Though the headline is true, the overall pull-back amounted to a 4.6% decline. A true market correction is considered a drop of 10% or more, generally resulting in a decline between 10 and 20%. The media may have evoked fear that the market is failing, and that is not necessarily true.    

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By: Caroline Cross

January 30th, 2018

Home Upgrade: Is it Time to Buy a Bigger House?.

Lifestyle | Homebuying and Mortgages

If you have owned your home for a while, you may be ready to upgrade to a bigger house; but before calling the movers, consider why you want to move and what the financial impact of owning a larger home could be.         

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By: Alicia White

January 25th, 2018

Should I Get a Home Equity Loan or Line of Credit?

As you pay down the mortgage on your home, the equity you build becomes an asset you can use to secure a loan or a line of credit. You can use the loan or line of credit to make home improvements (including energy efficiency upgrades), consolidate debt, make a large purchase, pay off school loans, cover retirement expenses, or more. Because home equity loans and credit lines are secured by your house, you can get a much lower interest rate than you would if you took out an unsecured loan or used your credit card for the expense.

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By: Brian Bristow

January 9th, 2018

The Pros and Cons of Roth IRA Conversions

Investing in the Future | Saving and Budgeting

If you have money in a traditional IRA, it is worthwhile to think about converting it to a Roth IRA. Not all people will benefit from Roth IRA conversions, but it’s good to consider the pros and cons to determine the best option for you. Here’s what you need to know.

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Cultivate and Maintain an Excellent Credit Score

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