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August 5, 2022 • By Kevin Alvarez

Coping with Inflation

Inflation continues to put pressure on household budgets. From groceries to gas, record-breaking inflation means the purchasing power of your money is decreasing each month. Below you will find guidance on how to best navigate a time with high inflation.

1. Take Inventory of your full financial picture. Has your household income changed? have you adjusted your budget for rising groceries, transportation, or other expenses? Check your existing budget to see where you stand and where your money is going. If you don't have a budget, it can help to create a simple spending plan or roadmap of monthly expenses. A good place to start is to use resources like a budgeting worksheet track your monthly income against current expenses.

2. Continue to build an emergency fund to tap into when unexpected circumstances arise like a medical expense or costly home repair. An emergency fund helps reduce the chance of taking on debt to cover an unplanned expense. It might be tempting to pause monthly savings as rising prices take a bigger bite out of your monthly budget, but resist the urge. Put savings on auto pilot with each paycheck. Even a small amount will add up over time.

3. Prioritize monthly spending in a time of rising prices. Rethink certain monthly expenses such as subscription or streaming services. According to researchers, the average household has 4.5 streaming services and spends an average of $55 on them per month. This may not seem like much, yet $55 a month adds up to more than $600 per year. If you’re trying to cut expenses in the face of higher prices, ditching underused subscriptions can be a good place to start. As essentials get more expensive, figure out your new baseline. Limit credit card use and curb discretionary spending (dining out, entertainment). GreenPath’s Aligning Priorities workbook can help you make these decisions.

4. Monitor debt, especially as interest rates rise. Paying off high-interest credit card debt saves you money in interest, improves your credit score, and frees up room in your budget. Choose a debt payoff strategy that works for your situation. Consider GreenPath’s Debt Management Plan which helps you pay off unsecured debt in 3 to 5years. GreenPath can work with many creditors to bring your ac-counts current, lower interest rates, and eliminate fees.

5. Shop smart. Research the best sales, coupons, and specials, especially on products that are low in inventory. Check dollar stores for deals on household items and stock up on those items where possible. Bulk retailers or wholesale clubs might be a good way to stock up on items in large quantities for a lower per-use cost. Strategically plan your higher-cost purchases. Swap out brand-name items for generic as much as possible.

6. Keep tabs on your credit history. In times of rising prices, it pays to keep tabs on credit history, which is used to calculate your credit scores. The three digit number of your credit score helps determine whether lenders approve you for new credit and what interest rates they offer. Annualcreditreport.com is a trusted “one-stop-shop” to check your reports from Experian, Equifax, and TransUnion – the three industry-standard credit bureaus. You can also work with GreenPath to review your credit history.

7. Get independent guidance from a nonprofit financial counseling agency like GreenPath. Counselors look at your entire financial picture to help you ease financial stress and uncertainty, through access to clear information and a personalized action plan.

Information brought to you by our partner, GreenPath Financial Wellness

GreenPath Financial Wellness

April 11, 2022 • By Kevin Alvarez

Financial Terms To Teach Your Kids

It’s never too early to start teaching your kids about finances. After all, it is a topic they will use for the rest of their life. Breaking down some the key financial terms will help them have an understanding of a few fundamental concepts.

Here are some terms you can teach your child and why it’s important for them to know.

Budget

What is a budget?

A budget is a plan that helps you keep track of your money and where it goes. One way parents like to teach kids how to budget is to categorize money into three “buckets”: give, save, and spend.

Why is a budget Important?

A budget allows you to plan out your finances for the future and ensures you’ll have enough money to pay for all your “needs” and, if you have money left-over, to pay for all your “wants”. It provides structure towards reaching a financial goal, such as saving for a video game system, a vacation or even a college education.

Checking Account

What is a Checking Account?

A checking account is a contractual relationship between you and your financial institution where you can make day to day transactions. The financial institution holds your money in a safe place and helps to facilitate your purchases. You are responsible for handling your account wisely by not overspending the money you have in your account.

Why is a Checking Account Important?

A checking account makes your money accessible and serves as a way to keep track of your spending. It also keeps your money safe, meaning it can’t be lost, stolen or damaged. Institutions must be insured in order to operate, so there’s no risk and much safer than carrying cash.

Credit and Credit History

What is Credit?

Credit is a way to borrow money (such as a credit card or loan) with the agreement of paying it back in full, plus interest. Paying back the borrowed amount on time is reflected on your credit report/history. One important concept to remember is that credit isn’t free and should only be used if you’re able to pay it back right away.

Why is Credit History Important?

Developing good credit history allows lenders see how responsible you are when it comes to paying that money back. The more on-time payments you make, the better your credit becomes, making it easier to borrow money in the future, rent an apartment, or even get a job.

Credit Score

What Is a Credit Score (also known as FICO Score)?

A credit score is a number that lenders use to measure your credit worthiness. Your credit score is influenced by a number of things such as the amount of open credit accounts, overall amount of debt you have and your repayment history (making payments on-time). Credit scores range from 300 to 850 and lenders use these scores to determine how much risk they will take on when lending to you. The higher your credit score, the lower your interest rate will be (less risk) and vice-versa; the lower your credit score, the higher your interest rate will be (more risk).

Why is a Credit Score Important?

The better the credit score, the easier it will be to reach life’s milestones. A good credit score can help you get a lower interest rate on a loan (like a car loan or mortgage), thus you pay less over the lifetime of the loan. A good credit score can even help you get an apartment or job. Overall, it pays to have a good credit score! Literally.

Loan

What is a Loan?

A loan is a sum of money that you borrow with an agreement to be paid back with interest. One way to help your child understand loans, is to explain why people take out loans in the first place. A great example is a car or mortgage loan. These items usually cost a lot of money, so it becomes necessary to borrow the money. Having that good credit score (as explained above) will help you get a lower interest rate on that loan, making it more affordable. Agreeing to the terms of a loan means you’re obligated to pay it back with the agreed upon interest. Failure to do so can be detrimental to your good credit.

Why Is Having a Loan Important?

Having a loan allows you to enjoy the item you borrowed money for right away. Rather than saving up $20,000 for a car, you can take out an auto loan to immediately have access to the vehicle and repay on a monthly basis until the loan has been paid off. Paying off loans strengthens your credit score and allows you to become prepared for any future or bigger purchases.

Debt

What is Debt?

Debt is money borrowed (a loan) which has not been paid off. Types of debt range from credit cards and student loans to major purchases such as vehicles and mortgages.

Why is Debt Good?

Borrowing money and having debt is typically the only manner in which some people will be able to purchase important high cost items such as a home or higher education. Debt is okay if it’s going to help you make money in the future, whereas taking on debt on items such as cars or clothes is not recommended based on the depreciating factor associated with these items.

Interest

What is Interest?

Interest has two sides; it is either something you pay (an interest rate on a loan) or something you earn (an interest rate on a savings account). Show your children the interest you pay on a loan, like a vehicle loan, each month. And then also show them that when you deposit money into a savings account (your “save bucket” from earlier) that the bank pays you for the deposits you place there.

Why is Interest important?

Whether you’re paying interest or earning interest, the amount of interest is important to understand. When obtaining a loan, you want to look for an institution that offers the best rate (lowest rate or APR). That combined with your good credit score will help you get the best deal. The same goes for deposits. When saving your money, you want to look for the highest yield (or APY). This will get you most amount of interest earned.

Taxes

What are Taxes?

Taxes serve as payment to the government and are used to pay for things like improving public schools and fixing the roads. Taxes are taken from your paycheck and the amount you pay depends on how much money you make. A great way to explain it is to relate it to their allowance. Take a small amount from their allowance and put it away to be used toward a household expense, like an improvement!

Why are Taxes Important?

Taxes are the main source of revenue for the government. Without taxes, funding for many of the public benefits we take advantage of every day would be impacted severely.

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

February 11, 2022 • By Kevin Alvarez

Here’s How An Auto Refinance Can Save You Money On Your Monthly Payment!

Did you know an Auto Refinance can provide instant savings on your monthly car payment? Maybe you already knew that? Either way, read through to see if there is something more you can add to your own financial strategy!

Here's an example of what an auto refinance is:

You pay off your auto loan balance from one lender and transfer the balance to another lender with a better rate and/or term.  For example, you have an auto loan with an APR of 7% and refinance with another lender to a new lower rate of 3%. The 4% drop in interest will provide you with a new lower monthly payment.

When it's best to refinance:

There are multiple opportunities in which it makes sense to refinance your auto loan. They are:

  • Pay less in interest - If you find a lower rate than what you’re currently paying, you could save in the amount of interest you pay over the life of the loan.
  • Lower payment - If you’re looking for a lower payment, a reduced rate and/or term extension could help.
  • Shortened term - If you’re looking to pay off your loan earlier and can afford the payments, a refinance can help direct that money toward principle while paying less in interest.

The cons to refinancing:

When making any financial decision, it’s always best to weigh the pros and cons of each situation.  When refinancing your auto loan, the option to extend your repayment period will allow for a lower monthly payment but it also extends the amount of interest owed. In general, you will pay more in interest over the life of the loan, even if your payments are smaller.  You can also risk owing more than the car is worth if you extend your term too long.  Use a financial calculator to compare your options.

Try Our Calculators

When deciding if a refinance is right for you, have a clear goal in mind.  Are you looking to reduce your payment, pay your loan off sooner, or maybe both!  You have options.  Do your research to find what other financial institutions have to offer; lower rates, no fees, and term options that work for you.  Run the numbers and take advantage of the tools that are available to you as a member of SafeAmerica Credit Union.

Refinance with us

As a member of SafeAmerica Credit Union, you can refinance your auto loan from another financial institution and take advantage of exclusive member-only savings.

  1. Great rates
  2. Flexible terms
  3. No fees

Auto Refinance

Learn more about our Auto Loans

December 17, 2021 • By Kevin Alvarez

Get Your End-of-Year Financial Health Checkup

As the eagerly awaited holiday season gets underway, the end of the year is a great time to get a financial health checkup to make sure finances are on track.

With regular checkups, you can fix small problems before they become big issues.

This year-end keeping financially healthy is especially important due to many economic uncertainties related to inflation, inventory shortages, as well as the expiration of COVID relief programs put in place more than a year ago to help people manage through the pandemic.

Your Financial Health Checkup

Like a physical health checkup, a financial checkup examines your vital signs to be sure all is well when it comes to you financial health and wellness.

Do you have an emergency savings? How do your credit card balances look? Are you tracking monthly income and expenses? What does your credit score and history look like? These are a few of the vitals reviewed during an end-of-year financial checkup.

From an overall budget review to managing credit card debt, the caring, NFCC-certified counselors at GreenPath Financial Wellness will conduct a full review of your current financial fitness and provide recommended next steps for improving your financial health.

A financial checkup guides you to:

  1. Review Your Financial Goals: Has there been a significant life change this past year? A change in jobs, a marriage, divorce, home purchase or other big change can affect your overall financial picture. A check up is a good time to assess whether your current financial goals sync up with your overall situation.
  2. Understand Options to Move Forward after Relief Programs Expire: Loans that were deferred as part of COVID-related relief program need your attention. Deferments provided borrowers with a little breathing room, but now that the temporary pause in payments has expired, a checkup is a good opportunity to understand options, and take a closer look at not only any loans that were on pause, but also your entire financial picture.
  3. Manage Income and Expenses: One of the best ways to cope with inflation is to take the time to prioritize monthly spending. A spending plan helps to ensure that what you spend doesn't exceed what you make each month as prices rise. A financial checkup gives you a better understanding of your income and expenses. It can also be a time to set a spending plan to keep your finances on track and start saving for future goals.
  4. Pay Down Debt: A checkup is a good time to explore options to help you pay down credit card debt as well as options for managing other debts that may be on the horizon - such as expiring forbearances on mortgages or student loan payments.
  5. Assess Your Credit: Are you looking to take out a mortgage or make another large purchase in the New Year? A checkup is a great time to review your credi treport to see where you stand, and get tips to improve your score moving forward.

Your Checkup Starts Here

Your financial fitness is key to a healthy New Year. GreenPath's caring, certified counselors are committed to easing financial stress and worry through access to clear information.

For more information about financial wellness, visit our partner at GreenPath Financial Wellness.

Greenpath Financial Wellness

December 1, 2021 • By Kevin Alvarez

Webinar- Staying Safe On The Internet Without Breaking A Sweat

This free, one hour webinar about staying safe on the internet is presented by GreenPath Financial Wellness

If you are reading this, you probably use the internet often, most likely every day. We have heard time and again that we must be careful while online, but even the most diligent among us can take our online safety for granted. Staying safe on the internet can seem overwhelming, but it doesn’t have to be. Join us on Wednesday, December 8 at 10:00 pm PT as Leo Hopper, GreenPath’s Director of Information Security, offers some simple and useful tips on staying safe on the internet.

Click through each tab below to learn more.

  • Who Should Attend

  • What You Will Learn

  • Details

Who Should Attend

  • Anyone who uses the internet either regularly or sporadically
  • Those who shop online 
  • Those who would like to use the internet more, but are afraid that they will expose vital information

What You Will Learn

  • How to avoid common traps that can compromise you online
  • How to check site security before you use it
  • How to guard your personal information

Details

Date: Wednesday, December 8, 2021

Time: 10:00 am PST

This webinar will be recorded and a link will be sent out to all registrants after the webinar.

Click the red button below to register.


Register Now

November 12, 2021 • By Kevin Alvarez

3 Tips to Spread Joy While Saving Money Through the Holidays

1 — Using Mindfulness to Have More Peace During Your Holiday Shopping

When it comes to gifts, it’s not enough to simply know how much you plan to spend in total for the holiday season. You can also break that number down by person so that you’re mindful of your finances through the holidays.

If your shopping list includes more than five people outside of your immediate family, have some fun and get creative with gift-giving. Challenge yourself to give homemade gifts without spending any money. Handmade presents are extremely thoughtful such as; canned jams, bags of cookies, a picture frame, or hand-crafted ornament. If you’re not into cooking or canning, try buying low-cost items from your local market or second-hand shop.

No matter how you approach holiday spending, this year challenge yourself to shift your mindset by considering these questions: How much cash could I put aside each week to use on gifts? Could I put one item back on my gift list and forgo charging it to my credit card? Before I purchase anything off my list, do I know exactly how much I’m spending?

2 — Rethink Receiving Gifts & Saving for Gifts

If you're hoping to cut down on your seasonal spending, you can communicate thatt with those you love so that they may follow your lead. To help your friends and family stick to minimal holiday purchases, offer gift recommendations that avoid high spending. You could also ask your family to forgo material gifts this year and instead focus on experiences. This way the holiday will be focused around enjoying each other's company, rather than on gifts.

If you're concerned about how your friends and family will perceive your gift giving approach, remember that giving your time and energy to support someone is almost always appreciated more than a gift that may end up cluttering their home. A hand-drawn gift card for items such as; cooking someone a meal, giving new parents a night out while you babysit or offering to clean someone's house are gifts that you and friends will love.

You can also save money on holiday gifts by shopping in the off-season. Try getting a jumpstart on your holiday shopping in the summer or right after the holidays, when more items are on sale. Planning ahead will help you be mindful of your finances through the holidays.

3 — Improve Your Spending Habits & Scope Out Purchases in Advance

Get over credit card debt anxiety by giving yourself the gift of developing new-and-improved spending habits. Have you ever made a purchase only to frantically login to your bank account to check if you’ve overspent? You’re not alone, we’ve all been there.

In order to break spending habits that you may regret later, it’s important to consider how they make you feel. In the moment when you are standing in front of the item you want to buy, pause, breathe and imagine how you will feel about the purchase the next day? Try to envision your life after the purchase and ask yourself these questions: Will it really bring me the joy I am hoping it will? Will I have to make other sacrifices to get this? Will I feel stress about my money and meeting other obligations?

Try writing in a journal or meditating on the good in your life. For example, did you know that a salary of $32,000 puts you in the top 1% of earners in the world? If we can find joy in what we have, we might just realize how little we truly need to be happy.

Take a moment to jot down the last purchase you made with your money that ended up not working out so well. What led you to buy it? What were you valuing or needing? What did you hope it would bring—for instance, security? Fun? Ease? Ask yourself, what did you have to give up to get it? Peace of mind? Rest? Note how you felt when you made that decision and then think about how you feel today. Remember that spending money can be fun, as long as we are intentional about saving money to reach our goals and have a financial plan in place

For more information about financial wellness, visit our partner at GreenPath Financial Wellness.

GreenPath Financial Wellness

October 29, 2021 • By Kevin Alvarez

Identity Theft – Steps Victims Should Take

Consumer complaints about identity theft are rising from across the country followed by debt collection complaints and impostor scams. This is a sure sign that people need to continue to pay attention and closely monitor their monthly credit card statements, credit reports and credit scores.

It is important that consumers are aware of their ability to take advantage of accessing one free credit report per year from each of the three credit reporting bureaus. Logging on to www.annualcreditreport.com will provide steps in acquiring your free credit reports. You can read more about how to access your free annual credit report by reading our previous blog post titled:

"Credit Reports - How to Get Your Annual Credit Report"

Below are four steps consumers should take if they become a victim of identity theft. Click on each tab to learn more about the topic.

  • Fraud Alert(s)

  • Closing Accounts

  • File a Complaint with the Federal Trade Commission

  • File a Police Report

Fraud Alert(s)

Place a 'Fraud Alert' on your credit reports, and check your credit reports regularly through www.anualcreditreport.com. Fraud alerts can help prevent an identity thief from opening any more accounts in your name. Contact the toll-free fraud number of any of the three consumer reporting companies below or visit their websites. (Note: you only need to contact one of the three companies to place an alert on all three.)

Transunion: 1-800-680-7289; www.transunion.com

Equifax: 1-800-525-6285; www.equifax.com

Experian: 1-888-EXPERIAN (397-3742); www.experian.com

Closing Accounts

Close any accounts that you believe have been tampered with or opened fraudulently. Call and speak with someone in the security or fraud department of each company. Follow up in writing, and include copies (NOT originals) of supporting documents. Send your letters by certified mail, return receipt requested, so you can document what the company received and when. Keep a file of everything you send and a record of every conversation.

File a Complaint with the Federal Trade Commission

By visiting https://www.ftccomplaintassistant.gov/ or by calling the Federal Trade Commission's Identity Theft Hotline 1-877-ID-THEFT (438-4338); TTY: 1-866-653-4261.  Be sure to call the Hotline to update your complaint if you have any additional information or problems.

File a Police Report

File a police report in the community where the identity theft took place. Call and ask them if you need to file the report in person or if you can do it over the phone or on the internet.  When you file your report, bring or attach a copy of your FTC ID Theft Complaint form and any supporting documentation. Ask the officer to attach or incorporate the ID Theft Complaint into their police report. The FTC ID Theft Complaint, along with the police report, can constitute what is known as an ”Identity Theft Report.” This Identity Theft Report can be used to (1) permanently block fraudulent information from appearing on your credit report; (2) ensure that debts do not reappear on your credit report; (3) prevent a company from continuing to collect debts that result from identity theft; and (4) place an extended fraud alert on your credit report.


While not everyone may be a news junkie, it is important to identify trends and understand news article/segments in a manner to protect ourselves and loved ones to the best of our ability.

SafeAmerica Credit Union’s blogs are provided to inform our members of all things financial. With that being said, the recent spike of identity theft related crimes brought on by the pandemic, has resulted in more and more articles, reports and news segments informing people of what can be done to prevent themselves from becoming a victim of identity theft.

The latest Bay Area identity theft trend making the rounds, shows scammers posing as Comcast representatives convincing users their internet speed has slowed down and maintenance is required to “troubleshoot” the problem. The criminal process used to perform the “troubleshooting” is done by obtaining remote access to the victim’s computer. They do this with the victim’s permission after successfully gaining the victim’s trust. While “troubleshooting”, the scammer accesses the victim’s personal information and before the victim notices, their bank accounts have been compromised.

The Alameda Police Department has shared the following tips via Patch.com:

  • Alameda Police Department Tips

Alameda Police Department Tips

  • Be cautious of unsolicited calls and emails.
  • Be wary of callers who demand immediate action.
  • If you are uncertain of the call's validity, hang up and call the number listed on the company's verified website.
  • Educate potentially vulnerable loved ones on how to protect themselves.
  • Block unwanted calls and text messages.
  • Register with the Do Not Call Registry. Registered numbers should only receive calls from companies you do business with or that you permit to contact you.
  • Report fraudulent calls to the Do Not Call Registry. DoNotCall.gov or call 1-888-382-1222.
  • File a complaint with the FCC.
  • If you are the victim of a crime, file a report with local police.

 


SafeAmerica understands the level of security needed to stay secure while on the internet and during National Cyber Security Awareness Month, we want to help inform our members of the best practices for staying safe online and keeping sensitive information secure. Keep an eye out every week this month for new blog posts on the best practices during the time you spend online. Safe for surfing the web.


Sources:

Patch.com

Helpful links for Comcast Users:

Common Phone Scams and How to Protect Yourself

Comcast Resources for Fraud and Identity Theft Resolution

 

October 27, 2021 • By Kevin Alvarez

Free Webinar Spread Joy and Save Money: Make it a Happy and Financially Healthy Season

This free, one hour webinar about Financial Transformation is presented by GreenPath Financial Wellness

Are you already stressed about the upcoming holiday season? Join GreenPath to learn how to  maximize your dollars and create a memorable gift-giving season. We will help you create a plan to set yourself up for success for years to come.

Click through each tab below to learn more.

  • Who Should Attend

  • What You Will Learn

  • Details

Who Should Attend

  • Those that want to reduce stress during the holidays
  • Those who have experienced a change in their budget
  • Those that want to maximize the value of gifts given.

What You Will Learn

  • How to spread joy without impacting your wallet
  • Strategies for gift giving
  • How to create lasting memories

Details

Date: Wednesday, November 3, 2021

Time: 10:30 am PST


Register Now
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