Do your new year resolutions cover your finances? Remember, we all have to start somewhere, and our Harlingen Credit Union can help! Let’s navigate the financial landscape together, with resolutions designed to organize your finances for a successful year. Read a few ways below.
Ways to Save in 2024
Before we get to the best financial resolutions you should make, remember you can always start a savings account with our local federal credit union in Harlingen. Consider:
- Building an emergency fund
- Opening a Money Market Fund account
- Traditional Individual Retirement Account
- Saving for the holidays with a Christmas Club account
Create a Budget
Take the time in your schedule to organize and configure where your finances will go throughout the year. Your finances are important to you, so why not give yourself the chance to be debt-free and create a budget or financial plan to follow?
- Use the envelope saving method
- Download Coupon Apps
- Get inspired to save and create a financial vision board.
- Look for mortgage payments below 28% of your monthly income.
- Create a list of your debts to determine which ones to pay off first.
- Create a financial calendar to track when your monthly bills are due.
- Take a ‘daily money minute’ to track all your transactions for the say.
Do Not Max Out Your 401K
Your retirement is important to you, so the best way you can avoid financial stress is by adding on to your retirement bit by bit to attain some finances soon for your retirement. This way, you can keep track of your finances and see how much you are receiving in your income to help organize your finances.
Financial Fitness
Resolve to enhance your financial well-being by saving more and spending wisely. Join a federal credit union and keep track of your finances with our VFCU Mobile Money App. You will get to:
- Grow your UChoose rewards
- Use online banking and bill pay
- Use Apple Pay
- Transfer money to others through Zelle
- Upload checks with Mobile Check Deposit
Boost Your Credit Score
Explore credit-building programs, affordable loan options available through federal credit union in Harlingen. By having a credit card you can also pay off small purchases monthly to help boost your score. You can also get a FREE credit score rating when you first download the VFCU Mobile Money App.
Debt-Free Journey
Strive to become debt-free by consolidating high-interest debts. Consider federal credit union debt consolidation loans with favorable terms to simplify payments and reduce the financial burden. There are many perks to getting a Consolidation Loans:
- No minimum amount is required to pay.
- You must show a proof of income statement during the loan approval process.
- You must show statements of accounts consolidation during the loan approval process.
Get Financial Help from Our Harlingen Credit Union
Organizing your finances doesn’t have to be stressful. Apply for loans online, or contact our Harlingen credit union to ask what services will best help you in 2024?
*Rates are subject to change without notice.
**Rates will be determined on credit approval and length of repayment.
***Certain restrictions apply. For more information, visit our main office or our Harlingen branch.
