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We the Homeowners

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Helping you stay financially savvy.

Tips for Empty Nesters Downsizing

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Quiet. Calm. Clean. And empty.

These are just some words that may come to mind when your youngest kiddo leaves the nest. No stray sneakers cluttering up the hallway. No trail of school papers. You may even get the TV remote to yourself!

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Last-Minute Shopping Hacks

Last Minute Shopping Hacks Blog

Retailers and suppliers have been urging consumers to shop early this holiday season, but that doesn’t mean everyone has been paying attention. If you’ve pushed off shopping until the last minute, we’ve got you covered! Here are five ways to keep your last-minute shopping stress-free and inexpensive. 

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9 Tips for ATM Safety

ATM Blog

With the sun setting by 6 pm since we fell back for Daylight Saving Time, it’s more important than ever to brush up on ATM safety. Using a compromised ATM can mean risking identity theft and/or having cash stolen.

Here are tips to help you keep your ATM transactions secure. 

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String Your Lights, not Your Budget!

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What is skip-a-payment

Skip-a-payment is a program that gives members a chance to skip a monthly loan payment during a tight financial season. Most credit unions offer it during the holidays!

Here at We Florida Financial, we understand that the holidays can be expensive for our members. That’s why we offer you our own gift this time of year: the option to skip a monthly loan or credit card payment to give you that extra cash flow. It’s more breathing room in your budget, just when you need it most!

Here’s what you need to know about skip-a-payment:

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Get Exclusive Discounts with Tracfone

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This Week's Smarter Smartphone Deals

Searching for a new phone? We Florida Financial Credit Union members like you get exclusive discounts on the latest devices with Love My Credit Union Rewards. Check out the latest savings on phones from Tracfone.

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Latinx is a Driving Force of Population and Economic Growth in the U.S.

KOFE LATINX

There are big reasons to celebrate Hispanic Heritage, an increasingly indispensable powerhouse to the stability of the entire country

In less than 10 years, the Latinx labor force in the U.S. has grown to become an economic powerhouse that rivals the economic power of entire countries, such as India, France, and Italy. That fact, combined with the most recent Census data, shows that the Hispanic community in the U.S. is the driving force of substantial population and economic growth for the ongoing development of the country.
 
This Hispanic Heritage Month—which runs September 15 through October 15—we highlight the contribution of the Latinx community in the United States and their monumental importance to the present and future of America.

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4 Super-Scary Scams to Watch for This Halloween

Scary Scams Blogs

Stay away from these 4 scams this season to enjoy a safe, yet frightfully fun, Halloween.

1. The shipping scam

The internet is full of Halloween-themed stores in the months leading up to Oct. 31. Lots of retailers offer an impressive selection of Halloween paraphernalia at great prices. Unfortunately, though, some of them fail to deliver purchased goods. To look legit, they may postpone the delivery until after Halloween, or they may cancel the order without notification.

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Keeping the Cheer in the Holidays This Year

Holiday Blog Live Your Life

You don’t have to rack up a huge credit card bill or go into debt to cover your holiday expenses.

Enjoy a financially stress-free season with these six tips:

1. Create a detailed list of all your expenses

Draw up a list of every holiday expense you anticipate. Include all gifts, décor, travel expenses and donations. Try to keep it as trim as possible by cutting out non-essentials and using stuff you may have in storage from previous years.

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Finding Work-Life Balance in the New Normal

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Significant historical events, from the Great Depression to WW2, changed our society in unimaginable ways. The Great Depression gave us some of the social programs Americans have come to expect, such as Social Security. WW2 ushered in a “golden age” for our nation, bringing us prosperity, advancements in technology, and a position as the world’s leader. Now, the pandemic is changing the ways we work, set priorities, and look at our lifestyles. One major area of where are perspectives are evolving is how to find the right work-life balance.

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SMARTER SMARTPHONE BUDGETS

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If you’re like most people, you’re probably spending more on your monthly wireless bill than necessary. Maybe you’re paying for overages or mystery fees, when all your need is talk, text and data. As your credit union, we want to help you save.

That’s why we’re giving members like you an exclusive 5% discount on no-contract wireless plans with Tracfone. PLUS, members get an exclusive 10% off devices $99 and up now through 12/31/21 with promo code CUSG10.

Visit LoveMyCreditUnion.org and start saving on your wireless today. 

https://links.lovemycreditunion.org/client/love_my_cu/banner/?bid=5961&campid=81&clientid=61525&sid=1

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Fall in Love With Your Credit Union

Fall In Love

As a Member of We Florida Financial, you are uniquely positioned to manage your finances and watch your money grow on the best possible terms. Like a Member of an elite club, you are entitled to exclusive privileges and individualized service, courtesy of your credit union.

Let’s take a quick look at some of the benefits you can enjoy as a member :

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How Not to Labor Over Credit Card Debt

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Q: I’d love to improve my credit score, but I can’t get ahead of my payments. I also find that my spending gets out of control when I’m paying with plastic. How do I use my credit cards responsibly?

A: Using your credit cards responsibly is a great way to boost your credit score and your financial wellness.

Here’s all you need to know about responsible credit card usage.

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Social Media: Five Scams that Work

Social Media Scams Blog

Platforms like Facebook, Twitter, Instagram, and LinkedIn and many others can help us connect on a personal and professional level with friends, family, business associates, and causes that allow us to make new connections with others with shared interests. And participation is free to everyone, which has led to an unprecedented use of social media. 

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5 Ways to Survive a Long Car Ride with the Kids

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A long-distance road trip with the kids isn’t for the faint of heart, but it’s often the only practical choice to get your family from point A to point B. If you’re planning on traveling with your children this Labor Day, try these tips for keeping your children happy and entertained.

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Budget Buster: Back to School Shopping
Costs Rise for Parents in 2021

back to school

The pandemic is still causing chaos and pushing average spending higher.

This is the second year where the pandemic has severely disrupted schools. Back-to-school shopping this year is going to be difficult. Because cases of the Delta variant of COVID-19 continue to increase, school districts may quickly change their plans, which means parents will face many challenges with their budgets. This year, families like yours will spend hundreds of dollars on school supplies, Parents still do not know if their children will be in hybrid learning, in-person learning, or virtual learning, and this is causing a problem for our budgets. Do you need to budget as much for clothes or uniforms if the school will continue to be virtual or part-time?

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Money Myths You Need To Stop Believing

Money Myths

We all grow up hearing the same financial advice: Spend less, save more and invest early. While most of these words of wisdom ring true, there are lots of widespread money management tips that are actually false.

Outlined here are 6 money myths that might be causing you more financial stress than benefit.

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Report Scams to the National Elder Fraud Hotline

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With more of our elders becoming targets of scammers, the U.S. Department of Justice’s Office for Victims of Crime instituted the National Elder Abuse Fraud Hotline for people to report fraud against anyone age 60 or older.

A 2020 Federal Trade Commission (FTC) report says the most money lost in scams by older adults in 2019 were romance scams. Older adults reported aggregate losses of nearly $84 million on romance scams in 2019.

According to the U.S. Department of Justice’s Office for Victims of Crime website, many are too embarrassed or afraid to report the crimes, so many go unreported and victims suffer alone.

The toll-free number of the National Elder Fraud Hotline is 833–FRAUD–11 or 833–372–8311.

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