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financial literacy

January 13, 2023 • By Kevin Alvarez

4 Financial Resolutions You Can Accomplish Now

New Year’s resolutions are a mixed bag for many of us. On the one hand: personal betterment! On the other hand: methodical auditing of our refrigerator, checking account, and various vices. On the cusp of a fresh calendar year, we feel compelled to immediately transform our lives, but—as is the case with most good things—change takes time. This is especially true when it comes to financial goals. And in the aftermath of steep holiday spending, our goalposts can feel...far away.

If you want a few financial resolutions that you can achieve early into the new year (because who doesn’t love an easy to-do list??) here are some suggestions.

Automate Your Savings.

Life is expensive! Especially when you have your sights set on a vacation, home renovation, or even the creation of an Emergency Fund (which 26% of Americans report not having at all). Setting aside savings is a crucial step towards your financial health. There are multiple pathways to save, from automating contributions to an investment portfolio to downloading an app that bundles spare change on each transaction you make. If you want to avoid market fluctuations and go the straightforward route, set up an automatic direct deposit that funnels a percentage of your paycheck into a designated savings account. Then try not to touch it. You can automate transfers from any account to your SafeAmerica Credit Union savings account by setting up recurring transfers within Online Banking.

Enroll In A 401(k).

Speaking of savings...if your employer does not automatically enroll you in a 401(k) plan, you can sign up yourself. Unlike some company benefits (like flexible spending accounts or insurance enrollments that have deadlines), you can enroll in a 401(k) plan anytime during the year. So why not now? The sooner you can begin growing your retirement savings, the better. What you contribute is up to you, and many employers will match your contributions up to a certain percentage. If you earn income but don’t receive employer benefits, you can open a Traditional or Roth IRA as an alternative.

Trim Subscriptions

The average American underestimates their monthly subscriptions costs by $133 according to a 2022 survey conducted by C+R Research. People estimated they spent about $86 per month when in fact, they were spending about $219 per month. The start of a new year is a good time to take inventory of your streaming networks, music subscriptions, smartphone apps, wine club memberships, or any other miscellaneous expenses that might be drawing away from your overall savings goals.
Financial Resolutions

Check Your Credit Report.

You can get a free report once a year from each of the three major consumer reporting companies (Equifax, Experian, and TransUnion.) This allows you to resolve errors or instances of identity theft—red flags you do not want creditors looking at when they are evaluating your application for loans and credit cards. With the exception of Experian, you will have to pay a fee if you want to see your credit score. There is often a way around this, as more than 170 financial institutions and 10 of the top credit card issuers provide free access to your FICO score (the most commonly used type of credit score).

This article is shared by our partners at GreenPath Financial Wellness, a trusted national non-profit.

How to Get Your Free Credit Report.

The Fair and Accurate Credit Transactions Act of 2003 (FACT Act) entitles you to receive a free copy of your credit report once a year from each of the reporting companies – Equifax, Experian, and TransUnion. The three companies have set up one central website, toll-free telephone number, and mailing address. You can request your free report either online, by phone or even mail by visiting www.AnnualCreditReport.com or calling 1-877-322-8228.

January 6, 2023 • By Kevin Alvarez

Make Money Resolutions That Stick

Maybe you only have one resolution this year. Maybe you have a laundry list of resolutions and a goal of being so self-actualized your friends and family will hardly recognize you! Maybe your resolution is to not have a resolution.

Set A Goal (and Write It Down)

Goal setting gives you direction. You can decide on your destination and make a plan to get there. This might seem small, but it’s not. Not only is goal setting found to be linked to higher achievement and self-confidence, but writing down your goal can also make you 42% more likely to succeed.

Get Clear

Getting clear on your priorities and deciding on a specific goal are two keys to success. When it comes to your money and your financial situation, set aside some time to reflect on what you really want to accomplish – and be specific.

Ask yourself three “W” questions:

  • What do you want to accomplish?
  • When will you achieve it?
  • Why does it matter to you?

Visualizing a dollar amount can lead to success, whether it is a specific figure to save, pay off or earn in the year ahead. Keep that figure alive by writing it down or tracking it in an app. A real dollar amount makes for a real goal. Give yourself a deadline while you’re at it, to motivate you even further.

Be Positive and Realistic

Goals can challenge you and help you grow into a new future. Choosing a goal that is attainable is another important part of success. Let’s say you’ve chosen a clear goal – with a positive outcome – such as: “In five years, I will be debt free. I will pay off my entire debt of $12,000 so that I can focus on enjoying my family instead of worrying about money.” Be sure it’s a realistic goal given your specific situation. Given your income, debts and expenses, is it realistic to spend $200 on your goal each month? Is it possible to pay it off even faster by spending $250 a month? Or does your budget allow for $100? Staying positive and realistic shows you how much you can devote to achieving your money resolution.

Money Resolutions That Stick

Hit Those Milestones

Making your goal measurable will help it stick. Keeping track of your progress can help you stay focused and motivated. Tracking progress on an app or spreadsheet, or a simple notebook, helps you see your future getting closer and closer. Break your goal into smaller milestones. This makes it easier to see your progress and it’s less intimidating. For example, a mini-resolution might be to pay off one consumer credit card. Making smaller changes over time is often easier than trying to make a massive change all at once. Celebrate your success along the way. Celebrating wins actually “trains your brain” by reinforcing your new habits, which in turn makes it easier to stay on track if you hit a bump in the road at some point.

Make (and Work) The Plan

Money resolutions often go by the wayside if they serve as a goal without a plan. A plan outlines how you will accomplish your goal. Keep it simple. The plan might dearly define how much you will spend toward your goal, how often you’ll make deposits on it, and the method you’ll use to transfer money toward your goal. For instance, automating monthly payments or savings goals is proven to help people stick with money resolutions.

Choose one habit at a time to change. For example, if you need to reduce your credit card spending, focus on making that change as your first milestone. Then move on to setting money aside for payoff.

This article is shared by our partners at GreenPath Financial Wellness, a trusted national non-profit.

GreenPath Financial Wellness

November 16, 2022 • By Kevin Alvarez

Managing Debt as Interest Rates Rise

Debt can be a challenge to manage, even in the best of times. Now, with the economy in the news nearly every day, how do you effectively manage your debt as the cost of borrowing for things like homes, cars,
and credit cards rises? People are successful when they set a realistic budget for spending. Focusing on non-traditional gifts, the joy of experiences and the resulting memories, can be just as rewarding without damaging your finances, especially as prices on essentials are rising.

Here are five general questions to ask in order to minimize the hit to your wallet in the face of rising interest rates.

What's Your Current Credit Score And History?

Knowing this information helps you understand how rising interest rates will apply to you. Some research shows that only 33 percent of Americans checked their credit score in the past year. Regularly monitoring your credit can alert you to errors, protect you from fraud, and provide you valuable information to strengthen your credit score–which can potentially minimize the rising cost of borrowing.

What Is Your Debt Portfolio?

Another helpful course of action is to make a list of your current debt such as credit cards, car loans, student loans and other debt. Although it’s a simple step, this can make a big difference in visualizing the big picture of your financial situation. Part of seeing the impact of rising interest rates is understanding exactly where you stand.

What Are Your Current Interest Rates?

An effective next step is to regularly review your balances, terms, and interest rates on a monthly basis. By staying on top of this vital information, you can make adjustments and informed decisions about reducing any existing balances more aggressively. As a debt paydown strategy, it often makes sense to start with the highest interest credit cards or loans.

What Is A Realistic Payment Plan?

As you are able, consider paying credit card balances in full by the due date each month. You can avoid interest charges on what you purchase, which means rising interest rates may not have much of an effect on your household finances.

What Is Your Overall Financial Plan?

To stay financially healthy and minimize the impact of rising interest rates, it is key to earn more than you spend, so that you have enough money to build savings for the future. Keeping an eye on your spending is an important step in the effort to create a budget without the cost of high-interest debt. Once you develop a household budget and track income and spending, it becomes clear where the money is going and where you need to adjust your spending to achieve your financial goals. By setting financial goals, preparing a financial plan, sticking to a budget, and setting up an emergency fund for the unexpected, you ensure that your financial well-being does not suffer as interest rates rise.

This information brought to you by GreenPath Financial Wellness.

GreenPath Financial Wellness

September 2, 2022 • By Kevin Alvarez

Life Insurance Awareness Month

September is Life Insurance Awareness Month and if we've learned anything from these past few years, it's that life is unpredictable. At SafeAmerica Credit Union, our hope is to bring awareness and encourage you to learn more about Life Insurance and why it's so important to have.

A Member Benefit for You!

We strive to offer our members the best access to many products and services, such as Life Insurance.  We’ve partnered with TruStage to provide you with easy and affordable access to Auto, Home and Life insurance.

As a member of SafeAmerica Credit Union, Trustage® will work with you to select a policy that's right for your budget, with ongoing support and no hassle.

Trustage Life Insurance® can help give you peace of mind today and provide an income-tax free cash benefit for your family. It can help pay expenses you might leave behind such as funeral costs, mortgage payments or unpaid debts. Trustage helps make it easy to compare insurance and explore options you can afford—so you can make a good decision today for your family.

Types of Life Insurance

Life insurance can be confusing.  Here is a brief summary of the types of insurance you can consider.

Term Life Insurance

Term Life Insurance will cover you for the length of your policy. As long as your premiums are paid, you will be covered. Learn more here.

Whole Life Insurance

With Whole Life Insurance, the rate you initially pay would be locked-in for the entire duration of your policy. Even if health conditions change and your premiums are paid, your coverage will never be cancelled. Learn more about Whole Life Insurance here.

Guaranteed Acceptance Whole Life Insurance

Guaranteed Acceptance Whole Life is a policy which does not turn down people for their health. As long as premiums are made, coverage will never decrease or be cancelled. Learn more about Guaranteed Acceptance Whole Life Insurance here.

Learn More

You can also learn more about Life Insurance by visiting the Trustage website. They offer a variety of quick-read articles to help you make an informed decision.

Read about: Understanding Insurance

Understanding Insurance

Get Started Today

Trustage® can help you get coverage that fits your needs and budget. We designed it to be easy to:

  • Compare life insurance options
  • See instant quotes based on your budget
  • Apply online or over the phone

Don't wait, get an instant online quote today. Or call 1-800-814-2914 and talk to a licensed agent.

Why Trustage®

Since 1935 Trustage has been assisting millions of people by helping protect the financial future of their loved ones with insurance policies designed to be affordable.

Trustage works with thousands of credit unions across the United States helping families prepare for the future and help secure the financial stability of millions of credit union members.

Learn More

Get an Instant quote

TruStage® is underwritten by CMFG Life Insurance Company, a well-known credit union member insurance provider. For more than 80 years, CMFG Life has earned the trust of members nationwide and is rated “A” (Excellent) by A.M. Best, an independent national organization that rates insurers’ financial strength and performance. “A” is the third-highest of 16 ratings, as of March 2021. Join more than 20 million members who rely on TruStage.

TruStage® Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company, P.O. Box 61, Waverly IA 50677-0061. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union. Products and features may vary by state.

© TruStage Insurance Agency

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April 22, 2022 • By Kevin Alvarez

Tips For New Credit Card Holders

For those starting their college career or their professional career, keep your eye out on offers for credit cards. These life milestones are often signals to lenders that the time might be right for you to get on board as a credit card holder.

Figuring out how to manage credit cards is critical for new borrowers. We suggest to start by asking yourself the following:

  • Is using a credit card the right way to pay for the purchase? Would cash or a debit card work just as well?
  • Is it clear how interest is charged?
  • Will any credit card fees be assessed?
  • Once the charge is made on the card, is it easy to track the minimum payments and due dates?

It can be helpful for borrowers to run through these questions for each card.  Knowing due dates, minimum payments and other terms is very helpful towards using credit cards wisely.

Advice To Follow

After you ask those questions about the basics, it also pays to think ahead.

Many people who have run into challenges with credit cards have told us that the most important advice to follow is to make payments on time, keep credit card debt manageable, pay off balances and maintain low balances to avoid interest and late charges.

If people only make minimum payments and keep making purchases, their debt will quickly grow, increasing financial stress and derailing their financial future. If a person gets into the habit of making late payments or taking on more debt than they can handle, then the credit score will suffer and they will have to take additional steps to repair the damage that been done.

New borrowers are wise to understand their current financial picture, their spending habits, and the pros and cons of how access to credit will impact their specific financial situation.

Where To Start?

As those credit card offers fill up your mailbox, it can be confusing to know where to start. Credit cards are available with many options. Compare different cards based on your needs and the card terms.

For students and new borrowers interested in using credit cards wisely, it is helpful to look at the following:

  • The annual percentage rate (APR): This is how much interest you will pay if you do not pay off your balance each month. Also, for many credit cards, rates may increase after a short period of time.
  • Fees: Many cards have yearly fees. Most charge for late payments, balance transfers, cash advances, or spending over your credit limit.
  • Credit limits: Your credit limit is right for you when it is in line with what you can afford to pay back. Many people we work with find that high credit limits offer challenges when it comes to managing the balance owed.
  • Figure out how many credit cards Is the “right” amount.
  • Managing just a few credit cards can be easier than having many cards.
  • When you reach the spending limit on one card, it’s best to manage those payments before shifting your purchases to another card.
  • Planning monthly expenses and setting a budget is the best way to easily adjust your spending habits.
  • Keeping your receipts helps with keeping track of monthly activity.
  • Having a plan will help you reduce the chance of impulse buying. When you have a plan, there’s less chance you will overspend on items you don’t truly need.
  • Review the different payment options: Is it easier to pay through an app or at a website or over the phone? Usually people can set up automatic payment drafts to pay the full balance or just the minimum payment by the credit card due date.
  • Many new borrowers find that it is necessary to use credit cards to cover important expenses such as food, gasoline, and utilities. If that becomes a regular pattern, it is helpful to review your budget.

New Credit Card Users — Next Steps

Remember: Every time you use a credit card, you take on debt, and debt is borrowing money you haven’t earned yet. It is wise to always keep the focus on this fundamental truth.  Beware of high interest credit cards that can become difficult to pay back if financial circumstances change unexpectedly.

It’s all about the basics: looking at monthly expenses, looking at income and setting spending priorities as well as building up emergency savings. As a new credit card holder, these principles will be the building blocks of achieving financial success!

brought to you by GreenPath Financial Wellness


Youth Month

Save small. Dream big.

We're celebrating Youth Month all April long! Be sure to check out our blog each week or follow is on social media for a new youth financial literacy topic.

You can also check out our Youth Program to help get your child started on the path to smart money management.

Visa Platinum Reward Credit Card

April 15, 2022 • By Kevin Alvarez

Teaching Children How To Budget

Teaching children how to budget at a young age will be helpful for them later in life. When your child gets money as an allowance or as a gift, you can help get them started with simple budgeting concepts.

Start With Goals, Wants And Needs

Talk with your child about money and how to use it wisely. Talk about their goals for their money.  What do they want? What do they need? There may be short-term goals they can be purchased right away. They may have long-term goals that will require them to save over time. It is helpful for children to have a reminder of why they are saving and why they should not spend all of their money now.

Save, Share and Spend Method

“Save, Share and Spend” is a method for children where they set aside money toward each of these three things.

Save

When your child earns money, they should first set aside a portion for savings. The recommendation is to save at least 10% of earnings. This percentage can be increased for children because they have fewer expenses. Savings can be accumulated in many ways. Some use a jar, piggybank or even a joint bank account to gain interest. The savings account should be kept for emergencies (new bike tire) as well as longer-term goals (first car).

Share

Teaching children about charity at a young age is also useful. Allow them to research and contribute to a charity of their choice. Sharing is typically around 10%. Discuss options with your child to determine which cause they may enjoy helping. Also consider having them volunteer with that organization to see what they are actually helping. For example, it can be very rewarding for children to use money to purchase toys for a local outreach center. Then they can help pass out those items out to needy families at Christmas.

Spend

The remainder of their earnings can go toward spending. The spending category is available so your child can make purchases they choose, but remind them that additional savings will help them reach their long-term goals faster.

Start Small, And Set An Example

It is helpful for your children to see how you budget, but start small. For example, allow them to help you plan the weekly grocery shopping. Start by planning a list from sale flyers and coupons, and then stick to that list at the store. This can turn into a saving game for them.  Remember, children will learn from your example.  So telling them about budgeting is important, but it’s much more impactful if they see you following a budget yourself.

This information is brought to you by GreenPath Financial Wellness

Youth Month

Save small. Dream big.

We're celebrating Youth Month all April long! Be sure to check out our blog each week or follow is on social media for a new youth financial literacy topic.

You can also check out our Youth Program to help get your child started on the path to smart money management.

youth program

April 1, 2022 • By Kevin Alvarez

Financial Literacy For Kids

Did you know April serves as both Financial Literacy and National Credit Union Youth Month?

It’s never too early to begin teaching our youth about money. Financial literacy taught at young age becomes foundational value in adulthood. In fact, this is one of the most important areas where you can truly change the course of your child’s life. Financial literacy for kids can be fun. Educating your children about financial wellness will help them build healthy spending habits for the future and SafeAmerica Credit Union is here to help!

We're kicking off April with a series of financial education blogs to make it easier for parents to get the ball rolling for their children’s understanding of financial skills. All month long we will be sharing different concepts, financial terms and talking points for you to go over with your youth.

Here are some fun ways to teach your kids about money.

1. Play Games That Involve Money

One of the best ways to teach a lesson is by doing so without your child even realizing they are learning. Play games that include a financial component like Monopoly or Life and help your child strategize during the game. This will help your child learn the importance of budgeting and planning for the future, all under the guise of play.

2. Make A Wish List With Your Child

An important part of financial literacy is creating a set of priorities. We can’t have everything we want all at once, but if we plan ahead, we can hit our goals over time. This is a lesson that children can learn. Sit down with your child and have them list 10 things they want. Then have them rank them from most important to least important. Once the list is created, strategize with your child about how they can achieve their wishes.

3. Teach While You Shop

Take your child shopping and actively explain your decision-making process. When you arrive at the store, tell your child how much money you have to spend and what your priorities are. Show your child why you are picking one item over another and explain things like discounts and coupons. Additionally, give your child small amounts of money to spend themselves. You’ll be surprised at how happy your child will be to spend $2 on anything they want! They’ll also learn the importance of spending with a limited budget.

4. Link Allowance To Chores

To teach your child that money is earned through work, make sure the connection between allowance and chores is clear. You can do this by only giving your child an allowance after his or her chores are completed. When your child does an exceptional job, you can even pay them a bonus as a reward for good performance. This will instill the lesson that you have to earn money—it isn’t owed to you.

5. Split Money Into Categories

Get a piggy bank that splits money into spending, saving, and giving. Teach your child about what each section represents and how they are permitted to use the money in each section. Every time you give them their allowance, talk them through how they plan to allocate their funds. Place the piggy bank next to your child’s wish list, so that their spending and saving goals are clear to them. Also, talk through the causes your child thinks are important, and when they hit a giving goal, donate the money to that cause in your child’s name.

In short, teaching children about finances can be easier than it might seem. It just takes a bit of forethought, a little patience, and some creativity. Once your child learns the basics of finances, you can increase their financial responsibilities by upping their allowance or bringing them into the conversation about family financial matters.

And remember, a financially literate child grows into a financially responsible adult!

This Information is brought to you by GreenPath Financial Wellness

Save small. Dream big. We're celebrating Youth Month all April long!  Be sure to check out our blog each week or follow us on social media for a new youth financial literacy topic.

You can also check out our Youth Program to help get your child started on the path to smart money management.

Youth Program

March 25, 2022 • By Kevin Alvarez

Budgeting 101

Many people find that the journey to financial wellness is smoother when they take the time to create a budget. It might sound complicated but there is a way to break down the process. To get started, see this overview on the steps to take to set a budget and take control of financial health.

Needs vs. Wants

Everyone has a certain amount of money to spend each month. So you need to separate your needs from your wants.  Your needs include things like food, medicine, child care, and housing. These are things you can’t live without. Once your needs are taken care of, any remaining money can go to wants. These items are nice to have, but not needed to live.  These might be things like cable TV or dinners out.

Being clear on the difference between the things you need, and the things you want is one of the keys to budgeting, especially if money is tight. Resist the temptation to spend money on credit cards to buy things that you don’t need. Living within your means is an important milestone on the journey to financial health.

Define Your Monthly Income

The first step in creating a budget is to define your monthly income. Most people think income is what they earn from their job. But it is vital to include all sources of income in your budget. This includes things like side-jobs and child support.

Next, document the net amount you get from each source. Net income is the amount of money you get after taxes. This is the amount of money that you have available to spend.

Figure Out Your Major Expenses

Your next step is to write down all of your major expenses. Subtract them from your net income. Examples of major expenses include housing costs, auto payments, and insurance. These are fixed costs. You need to pay them each month. Some major expenses can be paid from quarterly. For these, it is wise to divide the expense over several months.  For example, a quarterly payment is divided over 3 months. Set aside money each month for these expenses. Pay them when they become due.

Setting Realistic Goals

The money leftover is for items such as food, gas, and credit cards. It may be hard to define how much you spend on food or gas each month. Try your best to guess for the first month. As the month goes on, track your spending. After you have a clearer idea of your expenses, you can update your budget.

Cover High Priorities First, and Set Goals

It’s important to use your available funds to cover your high-priority bills first. You might be surprised at how much money is spent on wants. You can decrease spending by limiting your budget for the “wants” (often called discretionary spending). For example, if you spend $100 per month on dining out, only put $50 in your budget, and stick to it. It takes restraint, but it’s well worth it. The money that you save can go toward paying down the principal of your debts faster (and saving you money on interest). Or you can build your savings or investments.

Stick With It

It will be difficult at first. Most changes aren’t easy. You’re changing your mindset toward your money. That takes time. But the longer you do it, the easier it becomes. It won’t be too long before your budget has become your habit.

Tracking Expenses

Tracking expenses is a key part of the budget. This is how you know if you are staying within the budget you created. For example, you may have allotted $150 for groceries this month, but if you do not track your expenses carefully, you may never notice if you spent $225. Spending more than the budgeted amount in one area requires you to decrease spending in another area. The only other option would be to borrow money on credit, which gets costly if used too much. Tracking expenses will also help you to see where your money is going. You will learn a lot after you spend a month tracking your expenses.

There are several ways to track expenses. The most basic method is to write down all of your expenses in a notebook each day. If you choose to track your expenses in a notebook, make sure to carry it everywhere you go. Otherwise, you may forget to record an expense. When you’re documenting everything, it may be easier to label your spending.

Another technique is to save receipts and document them in a computer. Keep in mind that you may spend money on items for which there is no receipt, like a donation to a co-worker’s birthday gift.

If you use a debit card, you can track your debit card statements. Most banks have websites that allow you to view all of your checking account.

If you like to use a computer, you can track expenses using a software program. Some programs can even be linked to your bank accounts. This allows for immediate updates.

No matter what method you choose to use, it’s key to enter your expenses on a regular basis.

Budgeting As A Family

Budgeting should be a family project. Since everyone in the household is affected by the budget, everyone should be aware of what is available to spend — or not spend. Often, there is one designated person in the family that handles the money — balancing the checkbook, paying all the bills, providing allowances, etc. That job can be very stressful if that person does not have the full support and understanding of everybody in the family. A healthy and open approach to money management is good for the entire family.

Set SMART Goals

When developing a family budget, it is good to establish some goals that the family can strive for together. For example, if the whole family knows that their goal is to save for a new house, it will be easier to resist overspending on holidays and entertainment. When establishing goals, it is important to make them SMART: Specific, Measurable, Attainable, Realistic and Timely.

For example, if the goal is to save enough to make a down payment on a new car, a SMART goal might sound something like, “We will set aside $200 each month until we have saved $5,000 for the down payment on our new car.” This goal is very specific and measurable. The goal is also timely because you know exactly how long you will have to set the money aside (for as long as it takes to reach $5,000). However, if you do not have $200 to set aside, this goal would not be attainable or realistic. So it’s important to set the dollar amount at something that you can afford.

Keep Goals Top Of Mind And Support Each Other To Reach Them

After developing goals, write them down so you can post them for all to see and review them periodically. It brings a sense of accomplishment to see goals being achieved. Seeing the goals on paper will also inspire you to keep saving for your financial goals. You will recall from the earlier section that setting up a realistic budget involves a balancing act between what you earn and what you spend. You should be allocating money based on the financial goals and values established by your family.

Teachable Moment: Include Your Children In The Process

Parents often ask if they should include their children in the budgeting process. While the children may not need to know how much their parents earn, it is still important to teach children that money is a family asset that is needed to provide the essentials of food and shelter. Too often children are not taught that money is earned through hard work and needs to be spent wisely and carefully. If children know parents are serious about their financial goals, they will often help with them. Children may even help hold you accountable when you think of overspending. If you're interested in starting your children on their own financial journey, SafeAmerica Credit Union offers a Youth Program that can help! Visit https://www.safeamerica.com/youth-program for more information.

This information is brought to you by GreenPath Financial Wellness
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  • Debit and Credit: (833) 933-1681

Routing Number: 321171757

NMLS#: 746366

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SafeAmerica is an Equal Housing Lender American Share Insurance Logo

Your savings insured to $500,000 per account. By members’ choice, this institution is not federally insured, or insured by any state government.

© 2023 SafeAmerica Credit Union. All rights reserved.

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