Credit Union Life: Recent Episodes
EFCU Financial
One thing we pride ourselves on is our PEOPLE! In this episode get to know a few of our folks from the Credit Union!
One thing we pride ourselves on is our PEOPLE! In this episode get to know a few of our folks from the Credit Union!
You've done the work to gather together all your financial information: your goals, your income, your bills. In this episode Nicole talks about building the structure of your budget. Sit back and get some advice on how to put all those puzzle pieces together to get what you want out of your money!
One of the most important parts of creating a budget is also the hardest... SAVING! Nicole is here to discuss the importance of this step and drop a few tips and tricks. At some point we all learn the hard way that unexpected expenses happen. A flat tire, a broken air conditioner, a big bill, we've all had one. Josh talks all about keeping to your budget despite these obstacles!
Taking a look at what money you have coming in and where it's all going out. We've all tried avoiding this part at some point... identifying exactly how much you spend on your daily coffee or eating at a restaurant instead of finishing those leftovers. As usual, Josh has some great advice on how to make this step work for you and why it's worth the pain! When it comes to setting and reaching your financial goals, any purchase can make a difference!
Josh is back to talk about the final piece of our credit score series. The age of the items on your credit report and how they affect your credit score! What impact do recent credit pulls have on your score?
All the pieces of your credit report go together like peanut butter and jelly! Josh is back to discuss how to make the perfect sandwich for your credit score. It may be impossible to say "Credit Limit Utilization" five times fast, but Josh makes it easy to understand what it is!
Our new series is all about budgeting and today is a doozy. Why should you bother with a budget at all? Nicole is also joining in to drop some knowledge on setting your budgeting goals. Do you want to start your emergency fund? Buy a car? Save for a down payment on a house? Here's how to get started.
So far we've learned what credit is and what a credit score is... but why do they matter? In this episode Nicole is going to tell us exactly why you want to have good credit. This time we also have Josh Romine, one of our Mortgage Loan Originators, here to help explain all the pieces that make up your credit score.
Any time you make a larger purchase, you're going to hear talk about your credit score. Do you really know what it is? We're embarking on a journey to really break down all the important parts. First up, what exactly is credit and why do I have a credit score?