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  • Take a look at your general expenses (ie. childcare, debt payments, groceries, etc.) and your income (salaries, Social Security, child support, etc). Subtract your expenses from your income to figure out what is left over. If your expenses are over your income, you will have to adjust your budget. Investopedia says people who don’t stick to a detailed budget have excessive spending and overwhelming debt.
  • As a member of our credit union, you can open a savings plan to save for Christmas shopping, vacations and your child’s education.
  • Stay on top of your debt by making your payment each month. If it is unmanageable, debt consolidation may be an option to help you pay off your loan under one payment. Typically, consolidation loans are used for personal loans or credit cards.
  • FPCCFCU offers Visa Credit Card Balance Transfers and personal loans at lower interest rates.

A new year means New Year’s Resolutions for many people. You might have a goal to eat healthier or read more books, so why not have a goal to improve your financial wellbeing?

It sounds intimidating to tackle your personal finances, but as long as you follow some simple steps, you can improve your situation.

  • Start an emergency fund for those unaccounted-for expenses for instance if your car breaks down, you lost your job or you need a new furnace. The National Credit Union Association recommends to save six months of living expenses no matter your financial standing.
  • At Fire Police City County FCU, we offer a share savings with a minimum $25 deposit and earns monthly dividends. There’s also no monthly fee and automatic deposits are available.
  • If you haven’t started saving for retirement, you might want to start in 2021. The sooner you start, the easier it will be to reach your long-term goals.
  • We offer Traditional and Roth IRAs, a savings account designed to help you save for retirement tax-free. You can put your nest egg away early and watch it grow!

Individual Retirement Accounts

Saving money fro retirement can be an intimidating task. An Individual Retirement Account is a savings vehicle that is effective for members of all ages who plan to retire. If you are looking to contribute to an IRA the limit on annual contributions (Traditional, Roth, or a combination) is $6,000 for 2020 or $7,000 if you are age 50 or older. Considering an IRA? Fire Police City County FCU offers several options. Call an investment specialist today at 260-484-2102. The last date for 2020 IRA contributions is April 1, 2021