Check out these useful financial tips to help keep your personal finances in order.

• ‘Tis the season for savvy shopping! Craft a gift list with spending limits for each recipient, including family, friends, and colleagues. Refer to it while shopping to stay on budget and ensure no one is overlooked.Navigate holiday online shopping wisely! Remember to include shipping costs and sales tax in your budget to prevent overspending. Many retailers provide a “ship to store” option that helps to reduce shipping costs.
• Discover the magic of homemade or handcrafted gifts. Beyond being budget-friendly, they express genuine care. Your loved ones will cherish the thought and effort you invest, making your gift more memorable and meaningful.
• Is your budget stretched thin as student loan payments resume? Consider refinancing your auto loan or consolidating high-interest debt with the credit union. Both options will free up valuable funds to balance your budget.
• Fraud continues to rise as student loan payments resume. Before making any payments, log in to your dashboard at https://studentaid.gov. Verify your loan servicer’s information & ensure your contact information is current.
• With rising prices, many are worried about late loan payments. If you fear missing a payment, contact your lender before the due date. They’ll have more options available, including ways that won’t impact your credit score.
• Most online checkouts feature Buy Now, Pay Later (BNPL) options, tempting you with affordable payments. Yet, juggling multiple due dates can be tricky – missing one payment can turn costly. Always read the fine print.
• Amidst rising loan rates and inflation, seize the silver lining – higher savings yields. Boost your earning potential and limit risk with Share Certificate Accounts. Lock in guaranteed returns with flexible terms.
• Considering further education? Seek employers with tuition reimbursement, offsetting lower pay with potential savings. Thousands of dollars can be saved on college expenses through strategic employment choices.
• Increasing credit card usage due to rising prices? Optimize your finances with a balance transfer. Moving high-interest balances to a lower-rate credit card will instantly reduce the amount of interest you pay monthly.