Future Planning

Turning a side hustle into a full-fledged small business is an exciting journey that combines passion, purpose, and a bit of risk. Whether you’re selling handmade products, offering freelance services, or building a brand around your skills, making the leap from part-time project to full-time venture takes planning and preparation.    If you’ve been considering turning your side hustle into something more, we’re here to walk you through the essential steps to launching your small business. We’ll help you understand which parts of starting a business are essential, share some smart tips, and help you find the credit union products that…

Graduation season is here, and it’s time to celebrate. Congratulations if you’re one of the many students crossing the stage this spring! Earning your degree is a huge accomplishment. However, as you step into this exciting new chapter, you might be wondering, what’s next?  Whether you’re stepping out into the workforce or gearing up for college life, you’re sure to experience a newfound sense of independence. And with that comes a slew of new responsibilities – many of which are tied directly to your finances. The good news is that you don’t have to figure it out alone. We’re here…

If you’ve ever tried to get healthier, you know real results don’t come from quick fixes. It takes planning, consistency, and willpower to stick with it.  Luckily, the same tools and habits that help you reach fitness goals can also help you take control of your finances. In this article, we’ll explore how managing debt is like losing weight and reveal tactics that will jumpstart your progress.    #1 – Step on the Scale.  Before you can begin making progress, you need to know where you currently stand. In weight loss, that might mean weighing in or checking your measurements.…

Attending college is an exciting milestone, and with the right financial plan, it can also be an affordable one. Whether you’re a student preparing for your future or a parent helping your teenager get ready, taking proactive steps now can make a significant difference. From saving early to finding ways to cut costs and earn extra income, there are plenty of ways to make higher education more manageable without breaking the bank.  Fortunately, you don’t have to have it all figured out at once. Small, consistent steps – like setting aside savings when you can, looking for scholarships, or finding…

Teaching kids about money doesn’t have to be complicated – it can be a lot of fun! For elementary-aged children, everyday life is full of chances to start learning simple, important lessons about spending, saving, and the value of work. And the sooner they begin, the more confident they’ll feel as they grow.  From earning a few dollars for chores to running a lemonade stand, kids can learn real-life money skills in ways that feel like they’re playing. In this article, we’ll share easy, hands-on ideas parents can use to help their children build healthy money habits and start thinking…

By the time you hit your 30s, life can feel like a whirlwind. From finishing school to launching your career, buying your first home, and maybe even getting married and having children, it may seem like everything is happening at turbo speed. With so many priorities competing for your attention, it’s easy to push retirement savings to the backburner. After all, it’s so far away, right? Then, one day, reality hits: “Oh no, I haven’t saved nearly enough!”  Before you panic, take a deep breath. You haven’t missed the boat! In fact, your peak earning years are likely still ahead…

Many believe wealth comes from a high-paying job, striking it rich in the stock market, or inheriting money. However, building wealth stems from a few principles that anyone can apply. It’s about creating habits, making informed financial decisions, and staying disciplined. Wealth-building doesn’t require a windfall – it’s about starting where you are and taking small, intentional steps.  Picture your finances as a work in progress, like leveling up in a video game or learning a new sport – each move counts. By forming habits, making wise choices, and staying committed, you can create a financial foundation that lasts. Whether…

When most people think about an “emergency fund,” they equate it to money put aside for financial emergencies or unexpected expenses. While this might be the primary purpose, these funds hold much greater value in your overall financial health.  Being unprepared for financial hiccups, such as a sudden job loss, unplanned medical bills, or other surprise costs, can domino into additional challenges. A well-intentioned and planned emergency fund equips you to handle setbacks better and steer clear of costly alternatives, such as payday loans.   In this article, we’ll outline why an emergency fund is so critical to your overall financial…