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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: Seth Kerin

January 7th, 2021

Take Solar to the Next Level with a Solar Battery

Energy Savings | Saving and Budgeting

When I first moved into my home about four years ago, I was paying higher electric bills, with air conditioning in the summer and pellet stove heat in the winter. This worked for me for a while even though it meant purchasing pallets full of pellets (averaging a few hundred dollars per pallet) and hauling those into my home, and of course during the cold months keeping the hopper full on a regular basis. Then the pellet stove broke down and pushed me down a different path.

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By: Sarah Swenson

January 5th, 2021

How to Save Money When Interest Rates Are Low

Saving and Budgeting

With interest rates hitting all-time lows, finding a savings account that offers great returns is a challenge. High-interest savings accounts are few and very far between these days. So, should you throw your money into the best account you can find and just wait for interest rates to rise or are there better ways to make the most of your deposits until the interest rate tide turns?

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By: Natalie Powell

December 17th, 2020

Ten New Year's Resolutions to Achieve Your Financial Goals

Credit and Debt | Saving and Budgeting

Although you may be thinking mostly of what gifts you’re buying this year and how to teach grandma and grandpa how to use Zoom, it’s never too early to start thinking about your New Year’s Resolutions. So often, those considerations are relegated to the 5-day liminal space between Boxing Day and New Year’s Eve. Let’s face it; 2021 is not the year to get a gym membership. So, why not try improving your financial wellbeing?

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By: Anne Bijur

December 15th, 2020

Simplify the Season with the Buyerarchy of Needs

Saving and Budgeting

It’s safe to say that most of us have had a difficult year and with the holiday season, life can get more complicated, leading to more stress. Here are some easy strategies to simplify the season, including a tool that can help you save money.

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6 Tips for Improving Your Credit Score

Cultivate and Maintain an Excellent Credit Score

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By: Blair Wolston

December 10th, 2020

What Is Portfolio Diversification?

Saving and Budgeting | Investing in the Future

I’m diversified. I have money in three different mattresses! Diversification is a strategy whereby investors spread out their risk by investing in multiple asset classes. In other words, they don’t invest all of their money JUST in domestic stocks or JUST in municipal bonds. They spread it out over a variety of investment types that have different risk profiles. That way, if their domestic stocks are doing poorly (losing money), their investments in bonds may bring in enough of a return to make up for their stock losses.

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By: Oliver Ames

November 25th, 2020

Local Deals for Your Black Friday and Cyber Monday Holiday Shopping

Saving and Budgeting

This holiday season looks a little different from years past and that includes shopping days like Black Friday, Small Business Saturday, and Cyber Monday. Rather than offering different deals on different days, many local Vermont retailers have modified their holiday plans and are offering sales online instead. It’s easier, faster, and safer, especially during COVID-19! We rounded up a list of deals to some of our favorite local businesses for your convenience.

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By: Jennifer Calder

November 10th, 2020

How Money Scripts Influence Financial Behavior—and How to Change Them

Saving and Budgeting | Lifestyle

Having a healthy relationship with money isn’t all about how we manage dollars and cents. Beliefs, assumptions, and feelings make up substantial parts of our relationship with money. Our money-related behaviors and the factors that influence them are referred to as the psychology of money.

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By: Heidi White

November 3rd, 2020

How to Use Your Credit Card for Holiday Shopping

Credit and Debt | Saving and Budgeting

With the holidays coming, you’ve probably already pulled out the credit card and are ready to wield it in whatever way necessary to put smiles on the faces of your family and friends. With the pandemic ongoing and winter creating greater challenges for shopping, you may be considering shopping online as a general rule. But whether you choose to shop online or prefer to brave the stores, I’ve got some solid advice you can use to protect your card and your finances this holiday season.

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