SafeAmerica Credit Union

financial education

• By Lisa

Get Your Money In Holiday Mode

As the holiday season approaches, it’s fun to get swept up in the festive spirit and the joy of giving. However, it’s also a time when our wallets can feel the strain of gift-giving, holiday feasts, and family getaways.

This year your financial wellness doesn’t have to take a holiday break. Getting your money in holiday mode might just increase the merriment.

About 40% of holiday shoppers said inflation is changing the way they shop, with most trying money-saving strategies, according to a recent Bankrate.com report. It’s tempting to get wrapped up in the commercialism of the season, but overspending can place a financial strain on individuals and families well into the new year, and beyond. To make your money go into holiday mode, consider rethinking your holiday plan, setting a budget and sticking with it.

Shared below are do-able ideas to avoid excess holiday debt and celebrate the season in a budget-conscious way:

Get A Handle On Existing Debt

Existing debt can be especially stressful to a household’s overall financial picture during the holidays. Some tips to reduce the stress of debt include knowing how much you owe. Before the holiday events kick in, write down the total amount of all your debts, monthly payments, interest rates and due dates. Limit credit card use as part of holiday spending as much as possible.

Our partners at GreenPath can work with your creditors to consider a Debt Management Plan which helps you pay off unsecured debt in 3 to 5 years. GreenPath can work with your creditors to bring your accounts current, lower interest rates, and eliminate fees. More of your payment goes toward reducing your account balance and you save money on interest.

Woman Showing Signs Of Stress From Looking at Bills.
Graphic of Bills.

Create A Holiday Spending Plan

Write down a holiday budget that includes all planned spending – food, décor, travel, gifts, etc. This can help you see how much income you’ll need, set spend limits, and relieve uncertainty and financial stress. Even the most basic holiday spending plan can help you limit impulse purchases.

Minimize Financial Stress

The biggest stressor GreenPath counselors hear from callers is fear of the unknown. Callers are concerned about uncertainty with expenses, keeping up with housing costs, and managing debt as an example. GreenPath’s caring counselors can help you understand financial options in clear terms. When it comes to housing, for instance, counselors can call the lender on a three-way call, ask the correct questions and find out what options are available. Because the foreclosure process varies by state, and options exist that may allow clients to slow or suspend foreclosure activity, sharing a timeline with clients assists with their next action steps and path forward to relieve stress and get back on track.

Delivered food being taken into a person's home while wearing protective gloves.

Supplement Your Income

Is it possible to take on additional work to help offset holiday expenses? Consider gig work through DoorDash, Uber, Lyft or other delivery services. Take advantage of seasonal work opportunities to help finance holiday spending.

Simplify The Season

This year, consider simplifying celebrations and find alternative ways to revel in the season. Resist the urge to splurge on decorating and large parties and choose to gather with family and friends without breaking your budget. As gas and grocery prices are expected to increase, rethink the elaborate (and costly) holiday dinner and invite your loved ones to ‘meet in the middle’ for a more informal get-together. In lieu of hard-to-get items, gift an experience, a family portrait or an online class. Open a 529 savings plan for the kids – the gift that gives long-term.

Volunteer in Someone's Name

Celebrate those you love by giving back. Volunteer at a friend or loved one’s favorite charity or provide a contribution on their behalf. Gift some elbow grease at a local Meals-on-Wheels, community center, humane society, or nonprofit organization that could use your help.

Adult couple positively reacting to their laptop's screen.

Set Expectations

Thanksgiving gatherings could be the time to communicate this year’s holiday plan. Such conversations can relieve stress for all involved and avoid undue disappointment. A recent survey shows that small children thrive in environments with fewer toys. Research shows that clutter can impact mental well-being in adults, particularly women, and possibly spark increased levels of cortisol, a stress hormone.

Shop Smart

There is time this season to monitor sales for the best deals. Should you use credit this holiday season, look for zero or low-interest payment options. If shopping online, in-store pickup may cut down on shipping costs. Look out for holiday shopping scams and leverage fraud protection via PayPal and credit cards. By “abandoning” your online shopping cart for 24-72 hours, the retailer may grant you a discount or perk through email or other online notifications.

Financial Resources

In all, it is possible to get your money in holiday mode – even with inflation and rising interest rates. It makes sense for households to be especially thoughtful about where each holiday dollar goes.

The national nonprofit GreenPath Financial Wellness offers trusted resources to help people get their money in holiday mode, despite a challenging time. Take a look at the numerous financial health resources on this website  to get you through the holidays.

GreenPath Financial Wellness

This Information is brought to you by our partners at GreenPath Financial Wellness

• By Lisa

Rest, Recharge, and Save with a Staycation

As we welcome the arrival of fall and the 2023/24 school year, it’s worth acknowledging that many of us may be experiencing the Summer Blues as the result of high interest rates and historical inflation. In 2023, you might have felt forced to choose between making new vacation memories or sticking to a strict budget. If you did, you certainly weren’t alone.

If you’ve got a case of the blues because this wasn’t your year for passport stamping or hitting the open road, have you considered planning a staycation? Being a tourist in your own town can give you an opportunity to rest and recharge your batteries without wreaking havoc on your monthly credit card bill.

As the folks over at NerdWallet point out, “While the social distancing days of the pandemic may be past us, concerns over inflation, air travel chaos and gas prices make the staycation as appealing an option as ever in 2023.”

A staycation is more than just a cost-effective alternative to travel. It’s a chance to reconnect with your surroundings without the stress of travel logistics. By choosing to stay local, you can plan a staycation anytime during the year, depending on what works best for you and your household. Plus, depending on your geographical location, fall and winter can be an ideal time to explore as you won’t be competing with summer crowds if you decide to scope out popular destinations in your area.

Here are a few strategies to help you plan a staycation that will rejuvenate your spirit without sacrificing your financial peace of mind.

Be Intentional With Boundaries

Don’t think of staycation solely as a compromise; it’s a conscious decision to prioritize both your financial well-being and your mental health. Be intentional in treating your staycation like a real vacation – set boundaries with work and personal responsibilities that will allow you to truly disconnect and unwind.

Put your out-of-office on, silence work-related notifications, and consider limiting your time on social media, especially if that’s been a source of FOMO for you lately. This is your time to unwind, be present, and pause the perpetual scrolling of your friends’ activities (he might not have been around in the age of Instagram, but Theodore Roosevelt had a point when he said “Comparison is the thief of joy.”)

father and daughter watching a streaming for exercising with laptop.

Pamper Yourself

Luxe resort stays aren’t the only way to nourish your mind and body. Treat yourself to activities you don’t typically prioritize amidst school or work demands.

Engage in mindfulness activities such as outdoor yoga, meditation, or nature walks if you have proximity to beaches, hikes or scenic parks that can offer inspiring views. Many fitness studios also offer “first class free” promotions for newcomers if you want to try a class without the upfront financial commitment.

If you prefer the indoors, indulge in a DIY spa-themed evening or transform one of the spaces in your home into a personal theater. A blank wall can double as a surface for a projector and the addition of cozy blankets, pillows and snacks can elevate a movie marathon.

If you’re wanting a more luxurious experience without booking a hotel room, sites like ResortPass allow you to enjoy local hotel pools and spas for the day, with prices starting at $25 per person.

Beauty Spa Day. Cheerful Mom And Daughter In Bathrobes Lying With Cucumber Slices On Eyes, Doing Face Mask Treatment, Wearing Towel On Head, Having Fun Together At Home, Top View

Try Something New

Is there a new restaurant you’ve been wanting to try forever and just haven’t gotten around to it? Have you been contemplating a cooking or baking class to expand your home chef skillset? A staycation can be a great chance to experience new flavors or experiment with recipes at home. Some cities also offer walking food tours that give you a sampling of the best your area has to offer.

Other new activities you might try in your area could be exploring a museum—inquire about Free Admission Days, as this is often a way to incentivize visitors. Catch a live performance at a local music venue or if you’re looking for a family friendlier option, visit a local theme park (which often boast lower rates in the fall or on weekdays).

With student loan repayments resuming for many next month and holiday planning looming in the not-so-distant future, consider making your next vacation a staycation so that you can create memories without sacrificing your savings. And if you want tips on how to build a budget that accommodates future fun (local or abroad!) connect with one of our counselors for friendly, nonjudgmental financial guidance.

This information is brought to you by our partner, GreenPath Financial Wellness

GreenPath Financial Wellness

• By Lisa

What To Do If You’re Late Making Car Payments.

Life can be unpredictable and challenging at times, and having a late car payment might seem tempting as a temporary solution.

Making regular, on-time car payments not only helps borrowers maintain a good credit score, but it also ensures the reliability and availability of your vehicle, allowing you to fulfill your daily responsibilities without unnecessary stress.

If you find yourself facing financial difficulties, it can be helpful to reach out for assistance and explore viable options to avoid missing payments. While there isn’t one solution that works for everyone, there are options that can work best for you.

Making Late Car Payments Can Lower Your Credit Score.

Unfortunately, the consequence of making late payments on your car loan can reduce your overall financial health. You will also end up paying more for your car due to late payment fees. And if the payments continue to be late, it might even result in repossession, which will become a negative chapter of your credit history.

With a little planning, it might be possible to get back on the road to financial health to keep current with car loan payments. Assembled here, is a roundup of information to keep in mind if you’re consistently late with car payments.

Tips To Staying On Track With Your Car Payments.

Tip 1: Know When The Payment Will Be Considered Late

  • Check with your lender to confirm exactly when your payment will be considered late.
  • Typically, a payment will be reported as late to the credit bureau when it hits 30 days past due.
  • Ask your lender if there is a late car payment grace period. Some lenders provide a 10-day grace period for example.

Tip 2: Understand The Late Payment Fee Structure

  • Look over the loan documentation to understand the amount of fees you will be assessed when payments are late.
  • Creditors assess a late payment fee immediately following the missed payment, so be sure you have a clear picture of the fee total.

Tip 3: Track Your Credit Score

  • Creditors typically report a missed payment to the national credit bureaus after the 30-day mark.
  • When you’re finding it tough to keep up with payments, be sure to track the activity on your credit report and monitor your score.
  • Annualcreditreport.com provides updates from all three credit bureaus. Be sure your history is accurate and up to date. If something’s inaccurate, there are ways to reach out to credit bureaus for resolution.

Tip 4: Understand Repossession Policy

  • The number of missed payments allowed before a lender repossess the vehicle can vary by financial institution.
  • Some lenders can initiate repossession proceedings after a single default on the loan.
  • Take the time to connect with your lender to understand their policies and timing when it comes to repossession.

Tip 5: Connect With The Lender

  • Waste no time reaching out to creditors before payments are missed.
  • If payments are late, talk to the lender and ask for hardship options.
  • If you are facing a financial significant hardship, often the lender is willing to work with people to prevent delinquency or repossession.
  • Contacting lenders sets people up for more options, a new payment plan or hardship assistance, especially if you’ve maintained a good payment history.

Tip 6: Return To Budgeting Basics

  • Take an inventory of your financial picture. Has your income increased, decreased or remained steady? How have your expenses changed? Figure out your new baseline.
  • Prioritize expenses. Take a hard look at non-essential expenses and determine those that can possibly be reduced or eliminated.

Tip 7: Use Trusted Resources And Information

  • If you are considering a repayment option, or want to check on affordability, use GreenPath’s handy car payment financial calculator.
  • Take a free online course that shares information about budgeting for car payments.
  • Connect with a financial counselor who can assess your specific challenges and provide an action plan to move forward. Everyone who contacts GreenPath receives a free initial financial counseling session with certified counselors who lend an emphatic ear, look at the entire financial picture, help ease financial stress and uncertainty through access to clear information and develop a personalized plan.
Woman Calculating Monthly Bills

Your Next Step

It can be scary when loan payments are late, and there might be a chance your vehicle will be repossessed. It can be even more stressful when you work though the challenges all by yourself.

Our partner, GreenPath Financial Fitness is a trusted national nonprofit financial counseling agency which helps people navigate debt, budgeting and financial challenges for more than 60 years. Their certified trained counselors will look at your entire financial picture and help make a plan tailored for your situation.

This information is brought to you by our partner, GreenPath Financial Wellness

GreenPath Financial Wellness

• By Lisa

Student Loan Repayment, Simplified

After a historical hiatus throughout the pandemic, borrowers now face federal student loan repayment. Evaluating your full financial picture and making a repayment plan goes a long way towards reducing stress and uncertainty. Unsure where to start? Read on!

Verify servicer(s).

As an outcome of contract transfers and terminations mid-pandemic, your servicer(s) may have changed since 2020. Translation? You’ll need to confirm who will be receiving future payments and ensure they have your updated contact information.

If you have private loans, review any correspondence you’ve received from your original loan servicer, reach out to your school’s financial aid office for help tracking that information, or visit AnnualCreditReport.com for a free weekly report that lists loans in your name.

If you have federal loans, visiting the Federal Student Aid website is the simplest, most efficient way to access your federal loan information and verify current servicers. You’ll first need to log in with your FSA ID (create one here if you don’t have one already.) Once logged in, you can view your original principal amount, current balance, and interest rate as well.

Evaluate repayment.

Much can change within our big picture in three years. Is your student loan payment still affordable? Check out the Department of Education’s Loan Simulator to help decide what repayment strategy fits your priorities—for example, do you value a lower monthly payment or faster payoff? Look into an income-driven repayment plan which takes your current earnings into account and can lower your monthly payment.

Set aside savings. Once you know what your monthly loan payment will be, transfer that amount to a separate savings account monthly, starting right away. By accounting for this reduction in your budget sooner rather than later, you’ll lessen the initial impact of repayment (since you’ll now have money set aside) and you’ll be back in the habit of making this a monthly routine.

Consider consolidation.

Depending on whether you have federal loans, private loans, or a combination, loan consolidation could potentially reduce your payment burden. For federal loans, you can apply for a Direct Consolidation Loan which allows you to combine education loans with zero application costs, and most people complete the process in 30 minutes or less. You can also refinance your private education loans (in which you replace one or more private loans with another.) This happens through a private bank, credit union, or online lender.  SafeAmerica Credit Union offers members free access to private Student Loans and Student Loan Refinancing through our partners at LendKey.

Seek support.

If you're feeling overwhelmed at the prospect of repayment, you don't have to figure it all out on your own!

SafeAmerica Credit Union is here to help!  You can take advantage of free student loan counseling through our partners at GreenPath Financial Wellness. GreenPath counselors help you look at your total financial picture to develop a personalized repayment plan

This information is brought to you by our partner, GreenPath Financial Wellness

Greenpath Financial Wellness

• By Lisa

Back-to-School on a Budget: 10 Ways to Shop Smart

While America’s students aren’t strolling into math class quite yet, here are some numbers to consider: school spending is expected to reach around $31.2 billion in 2023. Per child, that’s a cost of $597. Translation? Inflation has made back-to-school shopping a spendy venture.

If this gives you pause, don’t panic! Here are some simple ways you can save more this season.

1. Plan Ahead

Before you start shopping, jot down a list of the necessary items you need to purchase for the upcoming school year. Every student’s needs are unique, but some categories to consider are classroom supplies, clothing, electronics, and extracurricular materials. Having a spending list will help you estimate the costs involved and allocate your budget accordingly.

2. Set a Budget

Determine a maximum amount for your back-to-school shopping based on what you need, what you currently have in the bank, and your other expenses. It’s natural to overspend (anyone else experience nostalgia surges at the sight of pencil boxes?) but aim to stay within your budgetary limits so you aren’t surprised when it’s checkout time.

3. Do Your Research

Scope out back-to-school deals and compare prices across different retailers before making any purchases. Take advantage of sales and discounts, many of which happen shortly after school begins, in August and September. If you’re online shopping this year, do a little research on promo codes you may be able to use at checkout.

4. Prioritize Essentials

Identify the “must-haves” on your list and focus on purchasing those first, starting with the most expensive items (electronics, for example.) Knowing you’ve got the essentials covered will save you stress when it’s time to buy the remaining items on your list. You might find that you can stagger some of these other purchases and save up in the short term.

5. Use Cash

While credit cards allow us the convenience of shopping now and worrying later, it’s smart to use cash whenever possible. Not only will you have a clearer idea of what you’re spending as you go, but you’ll avoid having surprises on your statement balances with potentially high interest rates attached.

School Shopping

6. Get Thrifty

Dollar stores, teacher supply websites, and online community groups like OfferUp often offer new and gently used items at lower prices. And when it comes to items like clothes, lunch boxes, and clothing, consignment stores in your neighborhood could be a great budget-friendly alternative to big box retailers…vintage denim, anyone?

7. Involve Your Kids

The start of another school season offers an opportunity to teach your kids about the basics of budgeting. Depending on their age, you can enlist their help in creating lists and shopping. Remind them of your budget expectations and encourage them to make thoughtful choices. They’ll appreciate having some say in what they bring to school on day one, and they’ll gain some real-world context on money management—win win!

8. Scope Out Alternatives

Sometimes, there are less expensive alternatives to popular brands or items, especially when it comes to clothing and electronics. Explore store brands or generic options, which can be just as functional but cost significantly less. Reading product reviews can help reassure you that you’re not sacrificing quality where it actually counts.

9. Track Expenses

Keep track of your spending by saving receipts or maintaining a record of your purchases through a personal money management app—chances are you may have one you use already. This will help keep you accountable and allow you to review your expenses as you knock out your shopping list to ensure you’re staying within your budget.

10. Enlist Help

Need some guidance when it comes to mapping out school spending? Through our partners at GreenPath Financial Wellness, many of us aren’t just financial counselors, we’re parents juggling school costs, too. Check out their interactive budgeting worksheet and connect with GreenPath if you’d like to create a personalized plan that puts you (and your student) at the center.

This information is brought to you by our partner, GreenPath Financial Fitness

GreenPath financial Wellness

• By Lisa

Budgeting Basics For Purchasing Your First Car

If you’re purchasing your first car, this purchase represents an important milestone in your adult life. Owning a car gives you the freedom to travel as you please, but it also brings certain responsibilities. As a car owner, you’re tasked with tackling all the expenses associated with purchasing and maintaining your vehicle.

You can avoid unnecessary hassles and stress if you manage this endeavor in a structured and organized way. In other words: prepare a budget.

Here are some tips to consider as you put together a budget for purchasing your first car:

1. Set a Purchase Price

Your first step in making a car purchase involves deciding how much you’re willing to spend on your vehicle. Most car purchases involve financing. When going this route, a good rule of thumb is to set a loan payment that is no more than 20 percent of your monthly income. This will help ensure you have enough resources on hand to meet other financial obligations. One of the biggest factors of purchase price comes down to choosing between a new or used vehicle. New cars offer the benefit of having never been driven, and this will delay certain types of repairs. New cars also come with manufacturer warranties that protect you from repair expenses. These warranties vary from automaker to automaker. On the other hand, used cars are often a much more affordable choice. Most cars lose about 19 percent of their value to depreciation after just one year of ownership. This makes used cars a compelling alternative from a financial perspective. If purchasing a used model, it’s important to have a mechanic inspect the vehicle. Set aside roughly $100 (about the cost of an hour’s labor for a mechanic) to cover this inspection. Certified Pre-Owned (CPO) cars are used cars that have been thoroughly inspected and refurbished, and bring less repair risk than the average used car. Look for a CPO program that is backed by the manufacturer, since these CPO models come with manufacturer warranties.

2. Include Registration and Title Fees

Each state requires that a newly purchased vehicle be registered by its owner, and this registration comes with certain fees. The method of calculating these fees varies from state to state, and your local Department of Motor Vehicles or town office will be able to give you an idea of what these fees look like in your neck of the woods. Keep in mind that these fees can be quite significant, so they should not be an afterthought.

3. Consider Sales Tax

Most states collect statewide sales taxes, and the rate can climb as high as 7.5 percent. If you live in a state that collects sales taxes, you will be taxed on the total cost of your vehicle purchase, so it’s important to factor it into your budget calculations. If you finance the car from a dealership, chances are the taxes will be included in your monthly payment, but if you purchase the car from a private seller, you may have to pay them separately when you register your car.

4. Make Room for Car Insurance

Car insurance is required by law, but the minimum coverage required varies from state to state. Keep in mind that state minimums are often quite low, and they may not be enough to meet your needs in an accident. Consult with an insurance professional to get a sense of the coverage that best suits your needs. Your driving record and the neighborhood you live in will have an effect on the cost of your car insurance. Your insurance rate also hinges on the vehicle itself: In most cases, the lower a car’s price tag, the lower its insurance rate. As you weigh how much you can afford to pay in car insurance, keep in mind that you can reduce this financial burden by purchasing a less-expensive vehicle. As a member of SafeAmerica Credit Union, you have access to exclusive member-only pricing on auto insurance. Learn more >>

5. Put Aside Money for Maintenance and Repairs

Over time, your vehicle will suffer wear and tear, and parts will need to be replaced and repaired. You can stay ahead of these expenses by including them in your budget. The amount required for maintenance will depend on several factors. One is the age of the car. All other things being equal, the newer the car, the less money you’ll have to spend on maintenance. The cost of the car is another factor. An affordable hatchback will be cheaper to maintain than a costly luxury sedan, since the parts for these economy cars are less expensive. Data gathered by AAA reveals that the average annual cost of maintaining a vehicle stands at $766.50 per year, or about $64 per month.

Preparation Is Key

From a financial perspective, car ownership sometimes brings a few bumps in the road. Some expenses are easy to predict, while others may be more unexpected and unusual. However, with prescient financial planning, you’ll be ready for all outcomes.

Thinking of getting your first car? We're here to help. SafeAmerica Credit Union offers members competitive rates, flexible terms and tools & resources to help get you started.

Learn More about our auto Loans

This information is brought to you by our partner, GreenPath Financial Wellness

GreenPath Financial Wellness

• By Lisa

Sun’s Out, Funds Out: 10 Tips for Summer Spending

 

Summer is here! And while warmer months are a great time for outdoor fun and travel, they can also be a time of overspending (staycations, anyone??) To minimize financial stress, it’s a good idea to have a spending plan for your summer itinerary.

Trimming down on expenses doesn’t have to mean trimming down on good times. Here are ten tips for building a spending plan that will help you enjoy the season (without breaking the bank).

1. Build A Budget

Create an activities or vacation budget that allows you a big picture view of your current income and how much your activities will cost—if you’re road-tripping for example, what will you need to spend on lodging, tourist attractions, and meals?

2. Prioritize Activities

Make a list of the summer activities you want to do and prioritize them based on how important they are to you (and others, if you’re planning with friends or family.) This puts a financial focus on the activities that matter most and makes it less likely that you’ll be short on cash where it really counts.

Mission Peak Hiking Trail

3. Scout Freebies

Whether you’re staying local or hitting the road, there are often plenty of free summer activities you can take advantage of. Hiking, picnics, open air concerts, and spray parks are a few examples.

Sign up for local calendars or email newsletters that spotlight community happenings or, if you’re only in town for a little while, do some online sleuthing beforehand. City recreational websites are one place to start.

4. Find A Host

When deciding what plans you might make (or trips you might make) this summer, consider whether you have friends or family members who would be happy to play host or even swap homes with you if they’re also wanting a change of scenery.

Hotel and vacation rental costs typically comprise a sizeable percentage of travel expenses plus you have the added benefit of catching up with close ones.

5. Use Coupons And Discounts

Look for coupons and discounts for summer activities, such as amusement parks, museums, and water parks. You can often find discounts on online coupon sites or promo code sites and some businesses will advertise direct specials if you sign up for their newsletter or emails (you can always unsubscribe after you’ve taken advantage.) SafeAmerica Credit Union offers members exclusive discounts on select attractions. Learn more.

6. Plan Ahead

While last-minute excursions are exciting, you might want to consider some advance planning if saving money is a goal. Doing your research on hotel and flight discount periods, coupons, and park discounts—even what days of the week are ideal—requires some research on the front-end but could ultimately save you hundreds.

7. Save On Food

Summer’s warm weather makes creativity in dining even easier—packing picnics for a daytrip or a cooler full of food and drinks for longer trips can cut down considerably on dining costs (especially in larger metropolitan areas where restaurant dining can come with premium price tags).

8. Consider A Staycation

If airfare or even gas pump sticker shock has you second-guessing distant destinations this summer, an alternate approach could be a staycation at a hotel or vacation rental.

Be a tourist in your own town (is there a new hiking trail or restaurant you’ve been meaning to try but just haven’t gotten around to?) Changing up the scenery even locally—can be an affordable way to save money and still escape the house.

9. Use Cash

While it’s tempting to rely on credit cards when you’re on vacation and not wanting to worry about costs, this also creates a greater likelihood of overspending.

Decide what you’re willing to spend across categories and then set aside those amounts. Using cash instead of credit cards can help you stay on budget and help curb anxiety when you receive your next credit statement.

10. Explore Resources

If you’re getting ready to make summer plans and could use a little financial guidance, connect with us here at GreenPath. In addition to our interactive budgeting worksheet, you can also chat with Coach Lea who can offer tips on utilizing cash wisely, paying down debt and building better habits for summer and beyond.

This information brought to you by GreenPath Financial Wellness.

GreenPath financial wellness
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