HRCCU Blog on Finance, Banking, Saving & More

adult man with black hair and glasses wearing a blue collared shirt working on a silver laptop with a large computer monitor behind it

Does Working from Home Save You Money?

As the events of the coronavirus pandemic began to unfold throughout 2020, businesses around the globe had to shift from working in office spaces to remote working. Even though remote jobs had already been increasing in popularity due to technological updates and restructuring businesses, the ability to work from home became essential for many of… Read more »

adult sitting at a table with a silver MacBook holding a white iPhone checking the stock market

5 of the Best Short-Term Investment Options in 2021

For many of us, our goal is to live comfortably — especially during the golden years of retirement. To do so, financial investments are essential. And as we learned from 2020, our nation’s economy and individual financial stability can be compromised, leaving many people scrambling for income. As the coronavirus pandemic continues, 2021 could be… Read more »

adult sitting at a table creating their budget with a white Samsung tablet and papers showing graphs and pie charts

4 Steps to Creating & Sustaining a Budget

For many adults, creating a budget can feel frightening or overwhelming. And being able to stick to a budget can feel like an impossible task. But a budget is one of the most important financial tools a person can establish for themselves. It’s also something anyone can benefit from, no matter their age or income…. Read more »

adult male holding a blue credit card sitting at a table using a silver-colored laptop to shop online

Pros & Cons of Online Shopping

Shopping online has quite a few benefits, especially during the COVID-19 pandemic when in-person shopping is either limited or nearly impossible. Purchasing plane tickets, groceries, household necessities, or office supplies has never been more convenient than it is right now. Online stores can also be quite competitive with prices and products, providing shoppers with a… Read more »

Saratoga Regional YMCA employees accepting $10,000 check from HRCCU CEO Sue Commanda to assist in their youth programs

Hudson River Community Credit Union Donates $20,000 to Capital Region Youth Centers

Hudson River Community Credit Union (HRCCU), as a local not-for-profit credit union, is dedicated to bettering the lives of its members, families, and community. Part of this mission involves giving back to the local community in a variety of ways, including drive-thru food drives, donating to first responders, and hosting fundraiser events. Youth Center Donations… Read more »

black wire-framed glasses on a yellow piece of paper next to a black calculator, loose change, and a green piggy bank

5 Budgeting Tips to Help Save Money & Stay Within Budget

Creating and sticking to a budget is easier said than done. Many of us start the month with the best intentions but then find ourselves exceeding our spending limit. There are several reasons why a person can overspend on their budget. Holiday shopping, overspending on items just because they’re on sale, or forgetting to keep… Read more »

older man and woman sitting at a wooden table with financial paperwork shaking the hand of a retirement planning financial advisor

4 Ways to Start Saving for Retirement Right Away

Something many of us look forward to during our adult life is the ability to retire and enjoy our golden years. If you haven’t started saving money yet, now is the time to start. But it’s easier said than done if you aren’t sure where to begin. Whether you begin saving through a work-related 401(k)… Read more »

adult man wearing a black sweater tying a gold bow on a holiday gift wrapped in gold and white wrapping paper

Get a Holiday Loan in Time for the Gift-Giving Season

The holiday season feels like it comes quicker and quicker every year. And it’s easy to become overwhelmed as expenses add up over time. We all want to give the perfect gifts to those we love and create a memory that will be cherished for a lifetime. Many of us try to save money throughout… Read more »

loose change in a glass jar with a white label that says house fund in green letters

5 Tips to Hit Your Money Saving Goals

Saving money is easier said than done for many people. Setting goals, focusing on what’s important to you, and creating a plan are essential components that will lead to you achieving your saving goals. Whether it’s saving for a new car, a vacation, new home, or retirement, these money management tips can help you reach… Read more »

woman with pink and purple painted fingernails holding a white iPhone looking at the stock market rates

Quick Guide to Financial Investments for Beginners

One of the biggest misconceptions surrounding investing is that it’s only for the wealthy or the well-to-do. To some extent, this may have been true in the past, but now there are investment opportunities for everyone — whether you already know what to do or need some assistance. There are resources available, especially for beginners,… Read more »