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Financial stability and peace of mind start with a robust, well-thought-out family budget. If you've ever felt the stress of an unexpected expense or wondered where all your money went at the end of the month, you're not alone. This guide takes you through a comprehensive step-by-step process of crafting a budget that suits your family's needs, ensuring financial health and sustainability.

For many aspiring homeowners, finding an affordable path to homeownership can feel like a distant dream. HomeReady loans are a unique and flexible mortgage option designed to make this dream a reality for a broader range of individuals and families. In this article, we delve into the world of HomeReady loans, demystifying their features, benefits, and eligibility criteria.

According to the Mortgage Bankers Association's (MBA) data, refinancing applications are surging compared to last year's levels, driven by falling rates. Refinancing a mortgage with credit unions can offer homeowners a better deal but also has potential pitfalls. So, it’s essential to understand both the pros and cons of refinancing mortgage options before applying. Knowing the benefits, drawbacks, and common mistakes will help you make the most informed decision.

Groceries are a significant part of any household budget. According to the U.S. Bureau of Labor Statistics (BLS), households spend an average of $5,703 annually on groceries, which translates to $475 monthly (BLS, 2023). Therefore, finding ways to save money on groceries can make a big difference. In today’s economy, every dollar counts. So, in addition to adhering to saving money tips, making small changes to your shopping habits can lead to substantial savings. In this guide, we'll share valuable tips for saving money on groceries to help you cut costs without sacrificing quality or nutrition.

Money is designed to be spent. You will need to transfer money for all sorts of reasons, but how you transfer can change depending on where you are and where your money is going. There are many ways to send money in the digital age, including traditional wire transfers and online apps that transfer money instantly. Choosing the right method depends on how fast you need to send the money, how much you’re willing to pay, and how you plan to access the funds. Learn more about what money transfer options are available.

Many of us store personal, sensitive and confidential information on our digital devices. This makes them an attractive target for scammers and criminals. Follow best practices in these areas to help keep your devices secure:

As we age, ensuring that we have enough resources to sustain our desired lifestyle becomes increasingly critical. Thus, understanding why retirement planning is essential is the first step toward securing your future. Without a solid plan, you might face financial challenges during retirement, such as inadequate savings, high medical expenses, and an inability to cover basic living costs. On the other hand, by planning ahead, you can enjoy your retirement years without worrying about financial uncertainties.

With a solid retirement plan, you can achieve your dreams and maintain your desired lifestyle. Start with this retirement planning guide to learn how to navigate the complexities of saving and investing for the future.

If you have a home equity line of credit (HELOC), you can withdraw money from your open HELOC line during what’s known as the draw period. HELOCs work like credit cards by providing you with a revolving line of credit, letting you borrow what you need, when you need it. Once you get approved for a HELOC loan, you can use this money to pay for home repairs and other major life expenses as needed.

However, once the draw period comes to an end, you can no longer access these funds. You will also need to start repaying the money borrowed plus interest. It's important to know how much of your HELOC has been utilized, so you don't run out of money in the middle of your project or life event. Learn more about the HELOC draw period and what this means for your finances.

In today's fast-paced world, customers value user experience, including convenience — meaning banking from anywhere, instantly, and 24/7. You can participate and start enjoying the benefits of online banking by opening a checking account online. To learn how to open a checking account, follow along. This simple step-by-step guide shows you how to open your free checking account online and take control of your financial future.

U.S. households have accumulated over $35 trillion in home equity (St. Louis Fed, 2024). For many, this is a strategic asset they could unlock to finance significant expenses or consolidate debt. One way to do so is through a home equity line of credit (HELOC), which offers flexibility and financial advantages to homeowners. Below, we dive into what a HELOC is, why choosing a credit union for your HELOC might be beneficial, and how to find the best HELOC rates in Colorado.