The way we manage our money has changed dramatically in the past few years, as new digital technologies bring greater security and convenience. Given recent health and safety concerns, cash transactions have been slowly phased out of our day-to-day financial habits. While the trend may be moving us toward a cashless economy, there are some instances when using cash just … Continue reading →
At Allegacy Federal Credit Union, we believe in doing the right thing for your wellbeing. Summer is quickly coming to a close and back to school is just around the corner. This is the perfect time to teach (or remind) your child about the importance of money. Ask your five-year old where money comes from, and the answer you’ll probably … Continue reading →
At Allegacy Federal Credit Union, we will always do the right thing for your wellbeing. If you have several monthly bills that are all due on different days of the month, consolidating the debt into one loan with a single monthly payment could help you simplify the monthly bill paying process. Consolidation could also save you money by moving multiple … Continue reading →
Deciding to move is an exciting time. You’ve chosen various neighborhoods, toured homes and imagined your family in each room. Then, you walk into the one that feels like home and you know it’s time to make another decision – how to pay for it. With so many options, it can be stressful deciding how to finance your dream. We … Continue reading →
Finally, you have a paycheck and you can spend it any way you want. But wait! There are bills to pay. Taking that first leap into adulthood is exciting and scary at the same time, but with this simple budget guideline, you’ll stay on track by planning ahead and spending your money on the things you should. The 50/20/30 rule … Continue reading →
Sending your kids to college, but unsure if you have the resources to cover it? The equity in your home could be the answer. When our children leave for college, we want them to focus more on their classes and less on how to pay for it. If the bill is higher than what you planned, the equity in your … Continue reading →
At Allegacy, we are dedicated to helping you be your best in all areas of your life. Wellbeing comes from achieving balance in physical, emotional, and financial health. Unfortunately, financial wellness still eludes many Americans today, as a recent survey revealed: 47% of respondents say their spending equals or exceeds their income 36% are unable to pay all of their … Continue reading →
With so many options, it can be hard to decide between a new vehicle or a used one. New cars have that new car smell, come with a warranty and are, let’s face it – new. Used cars, on the other hand, have a few miles on them, could still have a little of the warranty left depending on the … Continue reading →
The lure of lower out-of-pocket costs for a nicer car is hard to ignore, but is a lease the smartest financial choice? Leases are essentially long-term rentals, typically three to four years. At the end of the lease, you have the option of returning the car or purchasing it from the dealer at the residual value which is the predetermined … Continue reading →
It’s your first day of work and before you can even take a seat at your workstation, you’re being asked to make a number of important decisions that will impact your wallet well into the next year. What is my tax filing status? How many personal exemptions should I take? Will I owe anything at the end of the tax … Continue reading →
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