Sandra is a storyteller and dreamer. An advertising writer by trade. She is passionate about financial cooperatives and their role in promoting economic self sufficiency for everyone. She is a classic English Literature and modern epic novel buff. Part of a large and diverse extended family and a citizen of the world. Number 1 fan of her husband's vegetarian cooking. Track and field fan. One love.

Sandra

Kick those post- holiday blues!

Kick those post-holiday blues!

It’s official. The holidays are over. As you take down the tinsel and the ornaments, put away the bone china, wash the linens and adjust to the quiet of a house without fifteen guests, you feel a natural depression. How can you beat these post-holiday blues?

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Sandra

5 Easy Ways to Save in the New Year Without Breaking a Sweat

5 ways to save money in the new year

A Chinese philosopher once said that “the journey of a thousand miles begins with a single step.” Try these tips. You will soon be on the road to financial fulfilment.

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Sandra

People Helping People

People helping people

It’s the credit union philosophy. People helping people. In the financial world, the credit union strives to improve the lives of our members. We in turn encourage our members to help others in the wider community. In this season of giving, I believe an easy way to do this is to support a worthy cause when we buy presents for ourselves or for loved ones. Here are some worthwhile charities that will give back to others when you purchase their products.

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Sandra

It’s the holiday season – tips to save your money and your mind.

woman carrying shopping bags

It’s the season for joy and happiness. It’s also the time to shop, shop, shop. The National Retail Federation estimates that Americans spend an average of $940 every year on seasonal expenses. It’s a large amount to spend in a few weeks. More significantly however, the spending is accompanied by frenzy and stress. In fact, the American Psychology Association ranks the pressure of gift giving as one of life’s top four stressors.

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Sandra

What you might not know about your credit union.

ftl branch

You might already be a credit union member or perhaps someone who has thought of joining one. But how much do you really know about credit unions? Here are a few interesting facts to consider.

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Sandra

How to make an extra $1,000

Woman walking many dogs.

Could you use an extra $1,000? Who couldn’t? No need to whip out your resume or ask your rich uncle for a loan. Here are five ways in which most of us can earn some cash honestly and easily.

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Sandra

Celebrate International Credit Union Day

Celebrate International Credit Union Day!

The credit union movement is steeped in a rich history of collaboration across divides. For nearly two centuries, financial cooperatives all over the world have encouraged people of every race, gender and belief to come together and give their all towards the betterment of their communities. It’s about people helping people.

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Sandra

The Best Things In Life Are Free

Fort Lauderdale beach

If you are a South Florida resident, you know that visiting relatives or friends are a reality of life. As hosts, we are often tasked with finding and accompanying our guests to suitable attractions. Since we live in a tourism driven economy, these spots are often quite taxing to the wallet.

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Sandra

For the Empty Nesters Among Us: Loving the Game of Life

woman kayaking 900x500

You used to dream of this time and thought the day would never come. The day when your kids grow up, move out and become financially self sufficient.

Now they are gone and you and your spouse are empty nesters. After years of non-stop parental activities -- rushing to soccer practice, piano, karate, recitals, birthday parties and sleepovers, they are gone. You feel like Usain Bolt after the 100 meters – accomplished, happy and a wee bit sad.

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Sandra

5 Reasons to Refinance Your Mortgage

a couple reviewing paperwork with a bank staff member

Refinancing. You hear the term in the media almost every day especially in this low rate environment. Refinancing means paying off your existing mortgage with a new one. Should you do it? Consider these five reasons why refinancing may be right for you.

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Sandra

5 Ways to Spend Less on Food

a man chopping food on a small cutting board while a woman beats eggs in a bowl.

When it comes to our finances, most people underestimate just how much they spend on food.  And while we can get rid of other expenses, food is the one line item that we cannot eliminate. We can however, spend a lot less with a bit of thought and planning.

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Sandra

5 Tips on Caring for Your Aging Parents Without Going Broke

man at cafe; photo by Jeff Sheldon on Unsplash

"Once a man, twice a child.” People from the Caribbean know exactly what that means. It’s the inevitable circle of life. Humans begin life as helpless children and later, we again become dependent on others for assistance. In our forties and fifties, we will all see our parents aging and becoming more dependent. Then before we know it, the tables become completely turned and we begin to assume the role of caretakers.

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Sandra

10 Ways to Save on Holiday Shopping

happy couple window shopping

‘Tis the season. No matter what we say, most of us will end up spending a significant amount on holiday gifts. After all, no one wants to be a Scrooge. But never fear. There are ways to save hundreds of dollars this year on your holiday shopping, both online and in person. Here are 10 suggestions:

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Sandra

Avoiding Flood Damaged Cars

cars in flood water during Hurricane Harvey

After the recent catastrophic storms in the southern United States, it is estimated that as many as 500,000 cars may have been flooded and seriously damaged.  A large percentage of these vehicles will find their way into the market for re-sale.

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Sandra

We Florida Financial Celebrates People-First Banking

International Credit Union Day 2018 Dreams Thrive Here logo

On October 19, 2017, We Florida Financial, along with more than 56,000 credit unions around the world, will celebrate International Credit Union Day (ICU Day), and the philosophy and achievements of the credit union movement.

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Sandra

Retirement Planning 101

happy retired couple holding hands in a marina

Retirement. It’s not exactly like death and taxes but it’s pretty much inevitable. So like everything else in life, it pays to do a little planning. With this wise thought in mind, I headed off on Tuesday, June 13 to the Members Financial seminar on Social Security at the credit union’s Pembroke Pines branch.

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Sandra

Make time for financial education in your life

woman using smartphone

Yes, you can fit financial education into your day.

Have you seen the commercial where the couple runs out to sweep the gutters, wash the dog and do everything possible to avoid a financial discussion? Looks familiar? It does to me. I, like many other adults, am guilty as charged. It’s just not pleasant to look at a spreadsheet. Let’s face it. It’s not cool. It’s not sexy.

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Sandra

Toy Collection

Toy Drive

People helping people. These are not just words to us. For over a decade, We Florida Financial employees have dedicated ourselves to our home grown and self -funded Community Concerns Committee.

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Sandra

3 Tips for a Less Stressful Holiday Season

happy couple shopping

Make a budget

Plan your holiday shopping before you head to the malls this year. Gifts can really add up, leaving you with a hefty bill at the end of the season. Budgeting will help you avoid the temptations of last-minute impulse buying.

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Sandra

Recognizing International Credit Union Day

father farming with children

child

 

International Credit Union (ICU) Day has been celebrated on the third Thursday of October since 1948. The day is recognized to reflect upon the credit union movement's history and to promote its achievements. It is a day to honor those who have dedicated their lives to the movement and show members our appreciation. This year's theme, "Local Service. Global Good." emphasizes credit unions' positive impact in their communities locally and around the world.

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