Personal Finance

What to do When You Can’t Afford Rent

This year has thrown us a lot of curveballs, causing unexpected circumstances and hardships. As we work towards a sense of normalcy, many people are still struggling with their financial situation and affording basic necessities, such as rent. If you’re concerned about the possibility of not being…
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How to Curb Stress Spending

If shopping is something you do to alleviate stress and refresh yourself, you are not alone. If you have racked up credit card debt from all your shopping, you aren’t alone in that either. A lot of people fall into the category of “stress spenders.” Although this method it isn’t the worst way…
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9 Ways to Save Money on Your Air Conditioning Bill this Summer

Let’s face it – it’s HOT. And this summer, we are spending a lot more time at home than usual. So how can we reduce our air conditioning bills without sweating while sitting still? Check out these tips to help lower your cooling bill without lowering your comfort level. Get a Smart Thermostat or…
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5 Ways to Use Loans to Improve Your Financial Situation

Although you may think of taking out a loan as a bad thing, there are various ways that loans can help improve your financial situation and actually help you become debt free sooner. Lower Your Mortgage Payment Mortgage Refinance If the interest rate on your current mortgage is 1%-2% higher than what…
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How to Make Your Home’s Equity Work for You

So, you’ve been paying on your home’s mortgage for a number of years now. One of the biggest benefits of owning a home versus renting is that you earn equity with each payment. But what is home equity and how is it beneficial to you? What is Home Equity? Home equity is the homeowner’s interest...Read…
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How to Best Manage Your Finances During Hard Times – Part 2

Hard times, such as the 2020 Novel Coronavirus pandemic, encourage us to revisit our finances to uncover places where we are overspending or spending money on things we aren’t using. We may also be looking to cut expenses completely depending on the way our financial status has been impacted during…
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How to Best Manage Your Finances During Hard Times – Part 1

Hard times are upon many people during this pandemic. The worldwide change is forcing us to rethink our usual financial habits and even our daily life in general for the time being. The tips below can help you best manage your finances while we press through the current situation. Check Your Account…
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4 Tips for Securing Your Finances during Economic Uncertainty

During times of economic uncertainty, people tend to panic about the hit the shock could take on their finances. If you are feeling uneasy about the status of your future finances, these tips can help you decide what to do next. Manage Your Credit Availability and Credit Score Credit is a great thing…
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How to Access Your Money from Nearly Anywhere

While we love to interact with our members, we also know how important it is for you to have convenient access to your money when you need it.  And with our branch lobbies being temporarily closed (although our drive-ups remain open), there’s no better time to use ‘contactless’ services like…
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Stay Safe, and Keep Your Money in a Safe Place, Too!

We know that a lot of people are feeling uneasy about a number of things during these uncertain times. Patriot Federal Credit Union wants to assure you that one thing you shouldn’t worry about is the money you have saved and placed in our trust at the credit union.  You’ll always have access to…
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