It can take a bit of time to develop smart, positive spending habits, but the benefits of doing so are endless.
Category: Saving Money
HRCCU wants to help its member succeed in their financial goals by providing the resources they need.
Get tips on how to effectively save money for long-term budgeting or short-term savings for vacations, the holidays, or even at the grocery store.
Read our blog posts to learn how to start an emergency fund, make monthly saving goals, and how to get additional free financial advice.
4 Tips for Managing Your Finances During a Pandemic
With the spread of the coronavirus (COVID-19) pandemic across New York State, the United States, and the world, now more than ever we have been challenged to find new ways to mitigate the spread of the virus. This includes the way we do everyday activities — including banking. To help you navigate the coronavirus pandemic,… Read more »
Long-Term Budgeting: Planning Past the Present
Successful budgeting can be difficult, even when you’re only thinking about things on a month-to-month basis. Things can get overwhelming when you start thinking about budgeting in the long-term for bigger expenses like buying a home, paying for college, or saving for retirement. But it doesn’t have to be! In fact, long-term budgeting isn’t fundamentally… Read more »
5 Good Spending Habits to Bring Into 2020
There are many ways you can incorporate proper spending habits into your lifestyle. Increasing your salary and putting away money into savings are important, but they aren’t the only ways to reach your financial goals. Learning when and how you should spend your money will influence your ability to reach your financial goals. With a… Read more »
3 Ways to Save on a Halloween Costume
One of the most fun parts of the autumn season is Halloween, and one of the best parts of Halloween is being able to dress up. There’s only one problem: if you’re on a budget a lot of those especially cool Halloween costumes also tend to come with a big price tag. Luckily that doesn’t… Read more »
Beginner’s Guide to Starting an Emergency Fund
Life can change fast and unexpectedly, and sometimes those changes can end up being costly. That’s why it’s especially important to be prepared for any financial curveballs that may be tossed at you. Building an emergency fund for unforeseen circumstances can save you a big headache down the road and give you some peace of… Read more »
HRCCU Members Can Save Money & Have Fun This Summer
The summer solstice is upon us, which means summer is officially here. With the summer season comes outdoor fun and family outings to amusement and water parks — as well as the costs associated with such attractions. Luckily, as an HRCCU member, you can save on local entertainment all summer long with exclusive access to… Read more »
3 Bad Millennial Spending Habits & How to Improve Them
Finding the right balance when it comes to money can be difficult, especially when you don’t have a lot of knowledge on how to properly manage your finances. This has been particularly relevant for millennials, many of whom are burdened with big student loan payments and have lived through both the burst of the dot… Read more »
How to Stop Spending (& Start Saving) Money Today
Conventional wisdom is that you should start saving as soon as you can. While the sentiment of establishing savings early on is a good one, the reality is that it’s not always easy to put away money. Building a healthy amount of savings can be hard to start. That doesn’t have to be the case…. Read more »
