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Blog - 1st Community Credit Union

Welcome to the 1st Community Credit Union Blog! Here you’ll find the inside scoop on 1stCCU’s services, personal finance, people, nonprofits in the region, community members and events! There are so many good stories that come out of our work here – the 1stCCU Blog is where these stories will live. Check back often to stay up-to-date with our latest news and articles. Visit the Blog Archive to view more!

Tips for Getting Your Budget Under Control

November 2022

If your money disappears before your next paycheck, it might be time to look at your budget. To budget effectively, you need to keep your spending in check and jump-start your savings. Simply thinking about it will not suffice. Instead, here are some strategies to help get your budget under control:

Shop With a List

Regular shopping trips are important to ensure you have all your necessities at home.

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hand holding pen and filling out credit report info

Understanding Your Free Credit Report

October 2022

Regularly checking on your credit history is essential to understanding your current financial health. It provides insights into how well you manage your debt and is a great way to know if you’re in a good position to borrow money. In addition, it also alerts you to fraud and helps you detect inaccurate information on your account.

Lenders may accept or deny your loan applications based on the information provided in your credit report and their own criteria.

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Savings 101: Everything You Need To Know About Emergency Funds

September 2022

Setting aside cash can give you peace of mind when unplanned situations happen. After all, unforeseen payments for medical bills, home repairs, and other emergencies can set you back and lead to financial losses.

Reserved money for unexpected expenses can help you feel more secure and confident about the future.

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Budgeting Tips: The Best Time To Buy Your Favorite Products

Summer 2022

Stores and manufacturers like to offer deep discounts on certain popular products at specific times of the year. If you love a good sale it's a great idea to time your purchases so you can take advantage of these traditions. The following list shows the best month to find the best prices on popular items:

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man and woman looking at computer

Budgeting Tips: Start a Small Business by turning your hobby into a Career

Summer 2022

While most people have a passion, hobby, or talent, few are able to turn a hobby into a profitable business venture. Use these questions to guide you as you transform your hobby into the next small business in your area.

How can you make it unique? Having a talent for something doesn't always

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Budgeting Tips: Saving Practices Made Easy

Summer 2022

It's easy to postpone starting to save for a later day, but a solid plan is key to success. By following some basic guidelines, you're more likely to achieve financial security.

Pay Yourself First.

Use automated transfers to get in the habit of saving. Money will be transferred

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Budgeting Tips: Saving Money When There's Not Much To Save

Summer 2022

Many Americans struggle financially, living paycheck to paycheck, hoping they have enough to cover all their bills at the end of the month. Life is easier if you have a cash cushion or an emergency fund, but how do you save when there is not much fat in your budget?

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