MONEY TIPS FOR EVERY STAGE IN LIFE

Young Adults


THE FRAUD LIFECYCLE

November 13, 2017

Fraud can affect anyone, regardless of their age. We’ve compiled a list of some of the most common scams categorized by the ages and life stages that are usually targeted and included some tips on how you can spot them. Babies & Children Even the youngest members of our society are not immune to fraud. […]

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HOW TO BECOME A MINIMALIST

November 9, 2017

Are you tired of too much stuff in your life? Not only is clutter unattractive, but studies suggest it can cause us mental strain and stress. Minimalism is one of the latest trends among consumers that encourages cutting out anything that isn’t absolutely necessary. When applied toward your personal finances and spending habits, this mindset […]

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Have you recently dug into gardening? Or are you thinking about getting started? There are many benefits to this hobby, such as spending time outdoors, eating healthy, and getting exercise. While starting a garden from scratch can be expensive, it usually pays off the more you grow and harvest food. However, some produce is less […]

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It’s football season! Are you ready for some party snacks? Saturday and Sunday afternoons filled with hours of gridiron action can fire up quite an appetite in a rabid sports fan. Whether you and your friends or family are rooting for the same team or are on opposite sides of a heated rivalry, everyone can […]

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HEALTHY EATING ON A BUDGET

September 2, 2017

“Eating healthy is so expensive!”  Many of us have heard or said these words at some point. It’s a common phrase, but if you do a little digging, you’ll find that this assumption is easily discredited. Trendy health food stores seem to be popping up on every corner. They offer great wholesome foods, but often […]

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Each time you purge your house of unwanted items, such as clothes the kids have outgrown or kitchen appliances you no longer use, you’re faced with a question: should you try to make money off those items by selling them, or are you better off giving them to a charitable organization? The answer isn’t black […]

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Have you ever dreamed of getting a sudden financial windfall? An inheritance from a long-lost uncle, a winning lottery ticket, an unexpected bonus at work – that’s what financial fantasies are made of. What if we told you there actually might be a windfall in your future? You could find unclaimed money you didn’t even […]

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We all make both big and small financial decisions every day. From buying the generic version of cereal at the grocery store to splurging on the family vacation you’ve dreamed of for years, your daily activities all contribute to your financial health. Having an idea of how financially healthy you are helps you make fiscally […]

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When a friend or relative asks you to be their bridesmaid, your first response is most likely an excitement-filled “yes!”  However, when the planning begins, the experience may cost you more than you had initially thought. The cost of your dress, accessories, travel arrangements, gifts and events leading up to the wedding can add up […]

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Keeping the temperature of your house or apartment comfortable during the summer can get expensive. But just because temperatures may seem to rise exponentially doesn’t mean your electric bill has to. We’ve outlined some simple swaps and cost-free steps to keep your home cool and your bills low. Simple Swaps Use a Programmable Thermostat Did […]

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An important part of any shape-up plan is maintenance. After working hard to attain your goals, you don’t want to slip back into bad habits that can sabotage the effort you put in. It’s true when you’re dieting, and also true when you’re tending to your financial health. In our four-part series on financial health, […]

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You’ve probably given a lot of thought to dealing with inevitabilities in life such as retirement and your kids’ college funds. But what about life’s uncertainties? You’re much less likely to plan for these things, but they’re no less important. Natural disasters are one such uncertainty. While you may feel as though you’re immune to […]

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There are plenty of ways to plan the wedding of your dreams without breaking the bank. There’s no need to bid goodbye to that vision of walking down the aisle in a beautiful gown, or the one where you enjoy the perfect honeymoon with your spouse. In this post, we’ll explore several budget-friendly wedding reception […]

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When it comes to your spending habits, small purchases can add up fast. You may not even realize how much you’re spending until you evaluate your expenses and discover that those daily meals out cost more than your monthly rent. Of course, this works both ways. When you set just a small amount aside each […]

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By now, you should be on the right track to a healthy financial life. Part one in our series advised you on how to detox your budget, while part two explained how to get your credit in shape. Now, in part three, we’re moving on to proactive financial health by setting financial goals. What are […]

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Summer’s a popular time to fly, but plane tickets and other travel costs can add up. While the price of plane tickets may be out of your control, there are many things you can do to help keep your spending in check. Read the Fine Print Every airline has different guidelines and fees for bags. […]

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You may be planning to get your body in shape for summer this time of year, but don’t let that distract you from focusing on your financial health as well. Being fiscally fit is just as important as staying physically fit, and building up your credit score is a vital aspect of financial fitness. Having […]

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Are you ready to sell your car? You’ve enjoyed some good times together, but maybe it’s time for an upgrade or you need more space for a growing family. While you may shed a tear or two, remember that no car stays with you forever. The trick, though, is to make sure when you sell […]

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A well-rounded meal consists of three main things — a meat or other protein, a vegetable, and a grain or starch. How you combine them to tickle your taste buds is the key to creative cooking. The promise of a tasty, healthy meal can help you get through a long day. But the last thing […]

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Getting financially healthy has a lot in common with getting physically healthy. A good bit of that health comes from willpower – the self-control we all use to do the things that aren’t necessarily fun, but will help us in the long run. Willpower is like a muscle; the more you use it, the better […]

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You’re in the market for a new — or perhaps a new-to-you — car, so where do you start? You probably know the best deals go to educated buyers. And whether you’re buying your first car or are a seasoned veteran, there’s always something to learn. To give you a competitive advantage on finding the […]

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What does financial freedom mean for you? For many people, it means making their money work for them so they have resources available on hand when they need them. Whether you live alone or have a family, a money management plan ensures you stay on track financially and use your resources to their fullest. A […]

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Going on vacation is a dream for many people, but saving for this goal can be daunting. However, there are several ways to save money that will have you saying “bon voyage” faster than you may think! Set Up a Dedicated Savings Account Set up a savings account just for your trip. This will keep […]

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You may know the five components of a credit score and how important having good credit is for things such as buying a car, getting a cell phone plan, or getting approved for your own apartment. You may also know that the government allows you to get a free credit report once a year from […]

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Creating a plan to pay off your loans right out of college is critical to significantly cutting down the time it takes to pay off loans and save you money. That’s why we’ve created this infographic to help you learn the best way to pay off your student loans. Find out which strategy is best […]

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PUT THE FUN INTO SAVINGS

April 11, 2017

You know you should be saving money, but sometimes it’s hard to get started. In the old days, you could start simply by emptying the change in your pockets into a jar or piggy bank at night, but today we pay for just about everything with a card and don’t find ourselves with much loose […]

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For long-term financial goals, you may have the luxury of saving up. When emergencies happen, though, you may need to find quick ways to make money so you can pay for the unexpected. Whether it’s a car repair, medical issue or sudden expense, there may be several reasons why you may need to find a […]

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If you and your partner have decided to combine finances, you’ll need to start taking steps to make it happen. Open and honest conversation will continue to be an important part of this process, so you should plan to work together or check in with each other as you’re going through these steps. Bills & […]

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Saving money doesn’t have to be a chore. Whether you’re saving for a vacation or an emergency fund, there are many smart ways to do so without feeling deprived. Start by trying these smart money-saving tips and watch the cash pile up in your account. 1. Create a Separate Account for Supplemental Income Start freelancing […]

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Criminals will use creative ways to get your personal and financial data. One technique they use is called “skimming.” Thieves use hidden electronics to steal the information stored on your card and record your PIN number to access all that hard-earned cash in your account. Some skimmers install a phony card reader or keypad. Others […]

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Are you having trouble finding a place to call home that won’t break your budget? For savvy buyers looking for the right combination of budget-friendly cost of living and people-friendly communities, this ranking of the 10 cheapest places to live in PA has the information you’re looking for. Check out Movoto’s original list for a […]

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Whether you’ve always had an open dialogue with your partner about finances or only recently had the money talk, there are a lot of things to consider before combining finances. We’ve outlined nine of the most important ones below. What bills will you combine or keep separate? If you’re considering moving in together and/or getting […]

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Wouldn’t it be nice to find easy ways to make money on the side? Whether you’re looking to have extra spending money, working to pay off your debt faster, or saving for a dream vacation, here are a few common ways to earn extra income. Keep in mind, the demands and pay for these jobs […]

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REDEFINE YOUR REFUND

February 3, 2017

We know it’s tempting – it’s the beginning of a new semester and your student aid “refund” has just been deposited into your checking account. You think of how easy it could be to use that money to splurge on all of the things you’ve been wanting – a nicer cell phone, new clothes, or […]

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WHAT’S IN A CREDIT SCORE?

January 30, 2017

We know a lot of things compete for college students’ attention. Finishing assignments, passing exams, seeing friends, looking for jobs or internships… the list goes on and on. While these are all important things to focus on, learning about credit is crucial for your future success, as well. Many potential lenders, employers and landlords will […]

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Have you started to dread getting your electricity bill every month? Does the thought of wasting energy unnecessarily drive you up the wall? We understand. Home energy use is both expensive and, in an age of increasing environmental awareness, a source of nagging guilt for many people. Homes use energy in complex ways, and there’s […]

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Do you feel lost when it comes to financial planning? You’re not alone. According to a 2015 national financial capability study by the FINRA Investor Education Foundation, two-thirds of Americans lack basic financial literacy. And while there are more tools available than ever before to help you bridge that gap, wading through the trendy, flash-in-the-pan […]

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If a stranger approached you on the street, what would you tell them about yourself? Would you rattle off your full name, date of birth, and phone number? Hand them your phone and let them scroll through all your photos? Give them your home address and then tell them when you won’t be home? Unfortunately, […]

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A car is a major purchase and there’s a lot to consider. Do you go for the stylish ride of your dreams, or a more practical choice that will deliver reliable performance for years to come? The good news is that auto manufacturers are beginning to show that the two don’t need to be mutually […]

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When you picture your retirement, what does it look like to you? Do you see yourself exploring ancient ruins or colonial cities? What about taking surfing lessons on a tropical beach? For a growing number of professionals, retirement isn’t a far-off dream — it’s something they are actively working toward and planning to take full […]

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The content provided in this publication is for informational purposes only. Nothing stated is to be construed as financial or legal advice. PSECU does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs or websites. PSECU does not warrant any advice provided by third parties. PSECU does not guarantee the accuracy or completeness of the information provided by third parties. PSECU recommends that you seek the advice of a qualified financial, tax, legal or other professional if you have questions.