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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

August 13th, 2019

National Financial Awareness Day: Focus on Finance

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

August 14 is National Financial Awareness Day—a good reminder to take personal stock of your financial awareness. What does it mean to be financially aware? Financial awareness is akin to financial literacy and both refer to the knowledge and skill sets that support solid financial decisions and overall financial health.

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By: Elizabeth LaPerle

August 7th, 2019

What is a Mortgage Rate Lock & How Does it Work?

Homebuying and Mortgages | Credit and Debt

If you’re buying a house, you want to get the best deal possible, which means you want the lowest interest rates—the lower your interest rates are, the less you’ll pay over the life of the loan. Buying a house can take a while, though, and in the time it takes you to find the house and go through the buying process, interest rates could rise or fall significantly.

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By: Caroline Cross

April 24th, 2019

Simple Steps to Solve Common Financial Issues

Credit and Debt | Saving and Budgeting

Discussions about money can feel taboo, so it’s easy to feel alone when you have financial issues and hard to know who to ask for advice. Besides confiding in a trusted representative at your credit union or bank, below are some ideas that may help you recover from common money mistakes and reduce your anxiety so you can start saving again.   

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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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6 Tips for Improving Your Credit Score

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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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By: Heidi White

November 19th, 2018

Local Holiday Shopping: How to Save Time and Money

Credit and Debt | Saving and Budgeting

There is no shame in shopping online or out of state for the holidays. I’ve found some of my best holiday gifts in distant cities. BUT! There is so much more to be gained, for you and your community, by weaving a good deal of local shopping into your holiday plan. The only trick is saving time and money while you’re at it.  

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By: Christine Davidson

November 13th, 2018

Five Ways to Make the Holiday Season More Affordable

Credit and Debt | Saving and Budgeting

Holiday shopping is more fun when you’re not worried about how you’re going to pay off your credit cards afterward. The best way to approach the season is to save money throughout the year, so you don’t need to rely on credit. But since we’re already counting down the days, let’s focus on what you can do if you weren’t able to save enough. Try these five ways to make the holiday season more affordable.

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By: Lisa LaSante

September 5th, 2018

Should You Consolidate to Reduce Your Debt?

Credit and Debt

Is your debt spread out in all directions—through loans, credit cards, a mortgage (or two), you name it? Are you carrying credit card balances on high-interest cards that you can’t seem to pay off? Are you struggling to save for future needs or significant life changes like retirement? If so, debt consolidation could help reduce your monthly financial obligations (and your stress), open up your monthly cash flow, and ultimately allow you to reduce your debt more quickly.

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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!