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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: Elizabeth LaPerle

January 7th, 2020

How Many Points Can You Buy on a Mortgage?

Homebuying and Mortgages | Saving and Budgeting

There are many things to consider when purchasing a home—location, school district, neighborhood, affordability, and type (single family vs. multifamily) just to mention a few. Once you’ve found your perfect home, you must choose the best mortgage type—fixed-rate or adjustable. And then you can decide whether to buy points.

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By: Valerie Beaudin

December 31st, 2019

Don't Fall into the Payday Loan Trap

Credit and Debt | Saving and Budgeting

A payday loan is a short-term loan that is intended to be paid off with your next paycheck. Payday loans are often used by people who are short of cash to pay for emergency expenses. They are prohibited in many states because they are considered predatory loans that charge unreasonably high interest rates and fees, which make them very hard to pay off. Because they’re so hard to pay off, they can trap people in a cycle of debt for years. How can you avoid these loans when you really need the cash now? Keep reading.

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By: Rachel Feldman

December 24th, 2019

Make Budgeting Your New Year's Resolution in 2020

Saving and Budgeting

If you’re struggling to make ends meet, make budgeting your New Year’s resolution in 2020. Budgeting isn’t a skill we’re born with. It’s something we’re taught, or we learn on our own. But with money being one of those things you aren’t supposed to talk about around the dinner table, it can be scary to ask for basic advice.

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By: Michelle "Shelly" Duprey

December 18th, 2019

What Credit Score Do I Need to Buy a House?

Homebuying and Mortgages | Credit and Debt

If you’re in the market for a new home, it’s time to review your credit report. The information in your report helps your mortgage originator determine your creditworthiness (whether you’re likely to pay back money loaned to you).

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6 Tips for Improving Your Credit Score

Cultivate and Maintain an Excellent Credit Score

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By: Oliver Ames

December 10th, 2019

How to Pay with Your Phone

Identity and Fraud Protection | Learn Something New

Two weeks ago, we published a Facebook post about the security and convenience of mobile wallets like Apple Pay and Google Pay and heard from several people interested in learning more about the technology. Here is what you need to know about mobile wallets!

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By: Oliver Ames

December 2nd, 2019

Save Big with these Cyber Monday Deals

Saving and Budgeting

It’s hard to get through the holidays without hearing about Black Friday or Small Business Saturday, but in an increasingly online age, it’s Cyber Monday that offers the best deals (and you don’t have to wait in line). We rounded up some of our favorite Cyber Monday deals so you can save this holiday season!

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By: Tyler Anderson

November 21st, 2019

How Black Friday Hijacked a Weekend

Local Investing | Saving and Budgeting

Each year, millions of individuals flood the stores on Thanksgiving night, and into what we now refer to as Black Friday, to score awesome deals. The phrase "Black Friday" has a long history that hasn’t always been focused on commerce, and it is now followed by two other shopping-related holidays that encourage people to buy in different ways. How have these holidays evolved and how should you navigate them? Here’s a little advice.

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By: Rachel Feldman

November 12th, 2019

Holiday Giving—How to Give to People in Need

Saving and Budgeting | Learn Something New

The holiday season is heralded as a time of joy … and a time to buy. For those who have the means, it’s exciting to think about the new things you may get and the gifts you can give. For those who can’t afford holiday costs, it can be a time of anxiety and loneliness. For those who don’t have family or are going through their first holiday season without a loved one, it can be devastating.

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Cultivate and Maintain an Excellent Credit Score

Sign up for our blog and get Six Tips for Improving Your Credit Score free!