8 Reasons To Create A Monthly Budget

8 Reasons To Create A Monthly Budget

Not sure what you’ll gain by budgeting? Here’s a list of the benefits.

  • You’ll spend less.
  • You’ll have more freedom by knowing exactly how much you have to spend.
  • You won’t neglect any fixed expenses because you’ll have money set aside for them.
  • You’ll skip more impulse purchases.
  • You’ll have more money to put into savings when this

8 Steps To An Energy Smart Home

Category: Budgeting

4 Ways To Bring Your Dream Kitchen To Life

4 Ways To Bring Your Kitchen To Life

The kitchen is the heart of the home. It’s where we spend many hours whipping up delectable dishes to please every palate and food plan. It’s where we catch a quick morning chat over coffee and linger over dinners together in the early evening. 

The kitchen is where it’s at. 

It’s also the area of the home that sees the heaviest usage. All that food prep – and

Category: Home Ownership

Energy Savings Tips - What to Look For When Buying Appliances

Energy Savings Tips - What to look for when purchasing new appliances

There’s no getting away from the fact that our dependence on energy increases daily. With energy-dependent technology driving our lives, ecologists continue to search for ways to save our environment. Focusing on energy-efficient appliances is one way to do that.

Your monthly electric bill may not itemize the

What Were The Actual 2018 Tax Changes

Don't be caught off-guard when filing your 2018 taxes, check out the IRS Withholding Calculator!

Q: There was so much talk about the proposed changes to the tax code. Now that the changes have finally been signed into law, I’m wondering which planned modifications actually became a reality. What were the exact changes made to the U.S. tax code this year?

A:

LifeHack: Saving Money At Target

Shopping at Target? Here is a fun way to make sure you are getting the lowest price!

Are you a regular at Target? If you love the store’s wide layout and great discounts, you’ll want to know this money hack! Target has a simple system for all markdowns. When the last number of a price is an eight, that item’s price may later be reduced further. If the last digit of the price is a four, that’s the lowest it’ll go. So,

Lifehack: Using the Money Envelope System

Money Envelopes are a low-tech way of helping you plan a budget!

If you’re like many of us, you’ve been trying to stick to a budget for a while, but by the time each month is over, you’ve busted your budget – again.

Because of this recurring pattern, you’re probably wondering if there’s a better way. Fortunately, the answer is yes!

The money envelope system has been around for years,

7 Easy Ways To Give Your Kids A Financial Education

  1. Take your kids with you on your next visit to Diamond Valley Federal Credit Union!
  2. Let them watch you balance your checkbook.
  3. Show your kids how you pay your bills so they know that electricity, water, gas, phones and cable all cost money.
  4. Give them a budget for an item they want, and let them choose which one to buy.
  5. Let your kids work to pay for an expensive gadget or a special trip they really want.
  6. Help them open their own small business.
  7. Let your kids see you occasionally leave a store without buying anything so they learn to
Category: Credit Union News

11 Ways To Scale Back On Food Costs

  1. Never shop before making a detailed menu for the week.
  2. Use coupons whenever possible.
  3. Cook with seasonal produce.
  4. Use the generic brands for cleansers, shampoos and detergents instead of brand-name products.
  5. Never buy something just because it’s on sale unless you use that item regularly. You aren’t saving if you got a great deal on something that will just sit in your pantry.
  6. Whenever possible, make your own instead of buying convenience foods.
  7. Never shop for groceries without a list.
  8. Buy in bulk instead of making
Category: Credit Union News