What to Buy and What to Skip in July

July Shopping - Things to skip & to buy

Buy: Patriotic items

Pledge your allegiance along with your favorite retailers when buying almost anything under the sun in red, white and blue. Of course, you’ll also find discounted fireworks and July 4th decor, which can be stored for next year’s Independence Day festivities. 

Skip: Sunglasses

If you need a new pair of shades, you’re best off waiting a bit before springing for a new pair. Sunglasses are still retailing at full price this month, and won’t start to see discounts until September. For even steeper savings, pick up a new pair of shades in October. 

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Should I Use a Credit Card at the Pump?

Car filling up at a gas station

Q: Is it a good idea to use my credit card to pay for gas?

A: People commonly use their debit cards or pay in good old-fashioned cash when filling up on fuel, but there are several advantages to using a credit card to pay for gas. Here are four reasons to use your credit card to pay at the pump. 

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4 Tips For Preparing a Post-College Budget

Donut Worry! Prepare your post-college budget now!

 

Leaving college often means the start of a new job, new living arrangements to pay for and other new expenses to cover. All of this means your finances will likely need an overhaul. It’s time to create your post-college budget.

If you’ve been working with a budget throughout college, you’ll already have the concept down pat. You’ll want to rework the numbers to incorporate your new expenses, as well as your new salary. If you’ve floated by on a wing and a prayer while in school, you’ll have to start at the very beginning as you build a workable budget to manage your finances.

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Is it a Good Idea to Open a HELOC Now?

woman laying down on the floor with a variety of home improvement tools surrounding her.

If you’re looking to fund a home improvement project, consider tapping into your home’s equity with a home equity line of credit, or a HELOC.

What is a HELOC?

A HELOC is a revolving credit line allowing homeowners to borrow money against the equity of their home. Borrowers can withdraw money as needed during a set amount of time known as the “draw period,” which generally lasts 10 years.

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Don’t Get Caught in a QR Code Scam

QR Scams Blog - person scanning a QR code on their cell phone.

Scammers are always dreaming up new ways to con people out of their money. Recently, they’ve figured out a “quick” way by hijacking QR codes. Here’s what to know about QR code scams and how to avoid them. 

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Pay Down Debt Without the Help of Mom’s Wallet

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Consumer debt can be one of the biggest challenges to financial wellness. With some intentional action and commitment, reaching true financial wellness is possible!

Here’s how to pay down or off your debt in five simple steps:

  1. Organize your debt

List every credit card you own along with an outstanding balance. Jot down the amount owed to each card issuer. Next, list the interest rate of each card. Repeat these steps for other loans you may have as well. 

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Air & Sea Show Drop Zone Beach

April 30th and May 1st - We Florida Financial sponsoring the Drop Zone Beach which features everything you need for a hassle-free and memorable air show viewing experience. Portable restrooms with hand sanitizing stations right on the beach and reserved just for the use of Drop Zone guests. Food, water, soda and beer are available for purchase on the beach so you never have to deal with any crowds or miss out on the aviation spectacle going on in front of you.

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8 Myths About Credit Unions

Women shaking hands at a credit union while becoming a member

How much do you know about credit unions? Test yourself on these 8 myths: How many did you believe until today?

Myth #1: You must meet strict eligibility requirements.

Fact: While credit unions do require that members meet certain requirements to satisfy a common bond, many of these are broad, and few of them truly limit membership.

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All You Need to Know About Auto Loans

Auto Loan Blog 2

If you’re in the market for a new car or truck, you’re likely also shopping for an auto loan. Your auto loan will affect your monthly budget for the full term of the loan, so it’s important to do your research and make an informed decision before finalizing it. Here’s all you need to know about auto loans and how to choose the one that’s best for you. 

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Watch Out for These 6 IRS Tax Scams

IRS Scam

Tax season is stressful enough without adding vulnerability to identity theft to your list of things to worry about. To keep your sensitive personal information safe, however, you should be a little worried, though – or at least alert and informed enough to know a tax scam when you see one.
Tax scammers have several common tricks they use to lure taxpayers into handing over personal information that can be used for identity theft. Knowing what to look for is key to avoiding tax scams this tax season.

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4 Ways to Trim Your Fixed Expenses

Fixed Expenses BlogWhen trying to trim a monthly budget, most people don’t even consider their fixed expenses; however, with just a bit of effort and research, most of these costs can be reduced.

1. Consider a refinance

Trim your mortgage payments by refinancing at a lower interest rate. It will cost a bit, but you can roll closing costs and other fees into your refinance loan. Plus, the money you save each month should more than offset these costs. A refinance is especially smart in a falling-rates environment or if your credit score has improved a lot.

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9 Ways to Fight Rising Prices on Groceries

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If you’re like most Americans, you’ve probably noticed your grocery bills climb to crazy heights during the coronavirus pandemic. Over the past 12 months, all of the six major grocery store food group prices increased, according to the November 2021 Consumer Price Index (CPI) from the U.S. Bureau of Labor Statistics (BLS).

Prices for meats, poultry, fish and eggs rose 12.8 percent in 2021, with beef prices jumping the most with a 20.9 percent increase. Dairy product prices rose 1.6 percent. Other prices rose too, ranging from a 4.0 percent increase on fruits and vegetables to 5.7 percent for other foods.
 
Leaving the grocery store with only a few bags of groceries for $100 can be depressing. Fortunately, you can take steps to lower your grocery bill by at least a little, or maybe even significantly.
Here are nine ways to cut your grocery bill despite rising prices.

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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!

SKip A PAY

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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Banks vs. Credit Unions – 3 Differences That Matter

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From the outside, banks look sophisticated and glamorous. There’s all that hype advertising and flashy logos. But, when it comes down to it, those things don’t matter much. What counts is how each institution will look after your money and what kind of service you can expect from them. That's why everyday people often consider an alternative to these corporate giants.

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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.

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