budgeting

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

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

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

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

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

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