Thursday, 26 January 2023 20:01

Improving Your Credit Score in 3 Steps

The words “credit score” often come with a headache, especially when you’re trying to figure out how to improve yours. That’s why we’re laying out three of best ways to rebuild or improve your credit score and set yourself up for success.

Saturday, 07 January 2023 11:48

A Date with Debt

Are those butterflies in your stomach because of first-date jitters or because debt is calling you up? If it’s the latter, you’re not alone. In fact, a recent survey from Lendingtree noted that “22% of millennials (ages 26 to 41) and 19% of Gen Zers (ages 18 to 25) have gone into debt from what they’ve spent on dating.” Surprised? Let’s examine what makes dating so expensive.

Saturday, 07 January 2023 11:45

Financial First: Making Your First Budget Plan

How many times do we set a New Year’s Resolution with the full intention to stick to it only to have it flop a month into the year? This year, we’re starting strong and planning to be financially savvy all of 2023. And one of the first steps to a financially successful year is to create your first budget plan! We promise it’s not as stressful as it sounds, especially with HealthShare Credit Union on your side.

Thursday, 01 December 2022 18:30

Don’t Buy into Impulse Buys

What kind of bells are you hearing this holiday season? If it’s warning bells instead of jingle bells, you’ve come to the right place. We all fall into the trap of impulse buys—new holiday décor, something perfect for a friend who wasn’t originally on your list, or something incredibly on sale—and these, ultimately, only lead to the crippling guilt of overspending. But don’t fret just yet, here are five ways to prevent holiday impulse purchases, and stick with what you want and need this season:

Tuesday, 15 November 2022 17:20

Buy Now Pay Later: Is It Worth It?

Buy now pay later, also known as BNPL, sounds pretty attractive. This is particularly true with the state of the current inflation rate in the economy. The idea that you, as a consumer, can figuratively have your cake and eat it too when it comes to holiday shopping sounds too good to be true! Until you get to the fine print and find out that it is. Just like the pitfalls of store credit cards we’ve been warned about, BNPL can become a dangerous habit to fall into.

Wednesday, 26 October 2022 19:57

Marriage and Money: What You Need to Discuss

Before you tie the knot, it pays to know a few things. Everybody has a different way of managing their finances, and if you and your partner aren’t on the same page, you might find yourself struggling to navigate financial issues when they arise. In fact, an article in the Wall Street Journal notes, “One in five couples identifies money as their greatest relationship challenge.” It’s best to get ahead of this issue before it even becomes one. So, how can couples set expectations for their financial future? Here are a few tips.

Wednesday, 21 September 2022 19:05

Fall Activites to do on a Budget

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With the leaves changing colors and that nice, cool, crisp feeling back in the air, the autumn season has finally arrived! Are you looking for ways to enjoy the fall without falling into debt? Well, get your pumpkin spice, grab a football, and pick up that rake in the garage, because we’re about to explore some great ways to enjoy the fall traditions on a budget!

Wednesday, 14 September 2022 19:32

The Cost of Raising a Child

As inflation continues to wreak havoc on the middle and lower socioeconomic classes, many will feel the sting of rising costs in different areas of their lives. Those with children can attest to this fact, as the statistics show that raising a child can cost upward of $310,000.00 from infancy to age 17. This does not include any higher education costs and works out to be about $18,000.00 per year. We aren’t going to scare you with this stat and leave you wondering what to do. Here are a few ways you can combat the rising costs of parenthood:

Friday, 19 August 2022 21:31

“Smishing” is the New Phishing


Look out — there’s a new scam in town! “Smishing” is a scam format that has recently encountered a boost in scammer popularity, and it’s surprisingly sneaky. Keep reading to learn more about smishing and how to keep your information safe!

Friday, 22 July 2022 07:37

5 Money Saving Summertime Activities

Whether you’re trying to distract a group of restless kids, entertain a few bored teens, or just enjoy yourself, the summer can be a taxing time on your wallet. However, there are so many things you can do that cost little to no money. Don’t worry, just because you’re saving money, doesn’t mean you’re sacrificing fun. There’s still plenty of summer left, which means there’s still plenty of time to save money AND have a great time. Here are five things you can do this summer (and beyond) that won’t break the bank.

Thursday, 07 July 2022 21:47

Start Saving and Stop Spending

Credit reports, budgets, goals, and debt can be frightening words and concepts whether you are hearing them for the first time or the hundredth time. They are chilling because they are important in leading a healthy financial lifestyle, but we may not be well-versed in what they mean. Once you become familiar with the world of finance, you can maneuver more effectively through your own financial history to set up your future. Here are some ways to become more comfortable with the wild world of money.

Wednesday, 29 June 2022 12:23

Is a HELOC Right for You?

A Home Equity Line of Credit (HELOC) is a financial solution that, like any financial solution, has pros, cons, and considerations. So, how do you know if a HELOC is right for you? Allow us to give you the breakdown!

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