HRCCU Blog on Finance, Banking, Saving & More – Page 2

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 »

adult man and woman giving each other a high-five while holding moving boxes standing inside their new home

8 Tips for Buying a House for the First Time

There are fewer things in your adult life that can be more stressful — and exciting — than buying a first home. Like other big projects, a successful homebuying experience relies on ensuring you have the right details and information from start to finish. These first-time homebuyer tips will help you navigate the homebuying process,… Read more »

poor credit report resting on a wood table beneath a pair of black, plastic glasses and a pink pencil with graphite tip

How to Increase Your Credit Score

Your credit score is more than just a meaningless three-digit number. Lenders use your credit score to help them decide whether you are an ideal candidate for a loan or credit card. These three-digit numbers turn out to be quite significant. The higher your credit score is, the more likely you are to qualify for… Read more »