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I’ll Make a Budget and Stick to It This Year!

Consider a zero-based budget, in which every dollar of income is earmarked for specific outlays, such as mortgage, food, savings, and entertainment.  You spend every penny you make on paper first, every penny goes into some category!  Every month, income minus outgo equals zero.  Folks who use zero-based budgeting pay off 19 percent more debt and save 18 percent more bucks than those who don’t, according to Dave Ramsey, author of The Total Money Makeover.  Budget extra for groceries the first few months (you spend more than you think).  For help, try sites like mint.com or contact Kim Welch here at the credit union kwelch@pccu.com for personal financial counseling.

 

Check Your Credit Report!

It’s smart to regularly review your credit report, which includes such information as loan and credit card balances and payment history. Checking your report is especially important before you apply for a loan. At annualcreditreport.com, you can get a free report from each of the three major credit bureaus -- Equifax, Experian and Trans-Union -- FREE once a year.
In addition to surveying your credit health, check the report for errors. If you find a mistake on one report, get reports from the other two bureaus to see if they’re also in error. To resolve the issue, you may have to contact the financial institution involved, which could be giving inaccurate information to the reporting agencies. You should file and online dispute with each bureau with an error that shows up, and include evidence, such as a letter from the lender or paid documents, to support your claim. You should get a response from the agency within 30 days.


Click here to read more and become a Fan of Kiplinger's on Facebook

 

If you have a Regular IRA - Consider a Roth IRA conversion.

Regular IRAs let you contribute pretax dollars and defer taxes on any investment gains until you withdraw the funds. You can begin doing withdraws at the age of 59, but you must withdraw what is called an annual required minimum distribution (RMD) of funds from these accounts beginning when you turn 70½.

Roths, by contrast, are funded with post-tax dollars, but there are no taxes on any investment gains and no age requirement for withdrawing funds. Roths offer a particularly attractive way to pass on wealth to your heirs. That's because you can transfer a Roth when you die and your heirs avoid all taxes (although they will be subject to the same RMD rules that apply to regular IRAs). The big downside of conversions is that you must pay income taxes on funds moved from tax-deferred accounts. Contact one of PCCU's IRA specialists for more information about converting your IRA today.

 




Dave Ramsey is Back again in 2012!

FPU class sponsored by PCCU at First United Methodist Church 1324 Church St New Castle, IN

Class begins Wednesday, February 22 from 6-8pm.

Enter doors from the west side parking lot and go downstairs.  Watch for signs.

Register for class at kwelch@pccu.com or  contact Kim Welch 765-686-1785

Purchase discounted kits through PCCU.

 


Happy New Year!


This months money tip is for those families with college-bound kids. Listen up!! You will want to get your taxes squared away early. The income and asset figures from the returns will be needed to fill out the Free
Application for Federal Student Aid (FAFSA), which should be
completed as soon as possible after Jan. 1. An early application improves the chances of receiving aid from multiple sources. This is something you don't want to procrastinate about - do what it takes to get free or low interest money for school! To fill out the form, go to www.fafsa.ed.gov.
 


GOAL ORIENTED GROCERY SHOPPING

Recently, I was asked for advice on grocery shopping by a woman who really wants to cut down on food costs. She’s sincere about it, but once she’s in the supermarket – faced with all those goodies – her willpower dissolves like a Popsicle on a summer sidewalk.

I told her a few old chestnuts, such as creating a cash envelope for food, not shopping while hungry, creating menus based on the best deals of the week, and making a list of only the ingredients you need to cook those meals. Then I suggested a different way to write the list: Begin with a goal.

Holding ourselves accountable

Before you write “milk,” “bread,” or “ground beef,” write down something else that you really want…
  • Debt-free in 2012
  • Pay cash for our next car
  • Down payment for a home

Halfway down the list, repeat the goal. When you’ve reached the end of the list, write the goal one more time.
I suggested it be written in capital letters with a black Sharpie so that it can’t be ignored or easily crossed out.

Do this with every shopping list every week. Seeing the goal spelled out should help hold you accountable as to where your money goes.
While I think you should allow for a payday treat, it’s easy to get carried away – especially when you smell the chocolate chip cookies fresh out of the in-store bakery oven. Having your goal right in front of you may help you put things in perspective: Overspending on nonessentials is not getting me any closer to my dream.

Some weeks this might not help. Some weeks we really do want the Doritos, or to buy a rotisserie chicken and a sack o’ salad because we’re too tired to cook.

But we have to remember that choices have consequences. The more work that’s done for us, the less value we get. Money spent on Double-Stuf Oreos is money that can’t snowflake a debt. Frozen mac ’n’ cheese is much costlier than making our own. Those prefab bottles of “all natural” iced tea work out to as much as $13 a gallon.

Yes, some days we’re just going to say “the heck with it” and buy the cut-up pineapple or the pre-marinated meat. But if we do that consistently, we forfeit the right to complain about how much longer our months are than our money.

Source: Money Talks November 2011

 

When it comes to teaching kids about money, the sooner the better.

Up until they start earning a living, and sometimes well beyond that, kids are apt to spend money like it grows on trees. This tip will help you put your children on the road to handling money responsibly.

Long before most children can add or subtract, they become aware of the concept of money. Any 4-year-old knows where their parents get money - the ATM, of course. Understanding that parents must work for their money requires a more mature mind, and even then, the learning process has its wrinkles. For example, once he came to understand that his father worked for a living, a 5-year-old asked, "How was work today?" "Fine," the father replied. The child then asked, "Did you get the money?"

2. Once they learn how money works, children often display an instinctive conservatism.

Instant gratification aside, once they learn they can buy things they want with money - e.g., candy, toys - many children will begin hoarding every nickel they can get their hands on. How this urge is channeled can determine what kind of financial manager your child will be as an adult.

3. Seeds planted early bear fruit later.

It's important to work on your child's financial awareness early on, for once they're teenagers, they are less likely to heed your sage advice. Besides, they're busy doing other things - like spending money.

4. A commission paid job for chores at home can be an effective teaching tool.

When your kids are young, giving them small jobs outside of what you would normally expect from them each day or week tied to earning certain amounts of money helps them prepare for the day when earning an income to pay for needs and wants become a reality.

We are using Dave Ramsey's Financial Peace Jr. in our home these days. It comes with a chore chart wipe board, save-spend-give envelopes, and a "saving to buy with cash" board. These tools are working well with our 7 year old. He's very excited to keep track of his progress on chores and "show me the money" adding up each day and week. The kit comes with teaching material for parents to use to convey the money message. As well, there are optional book and cd resources about kids making good and bad decisions with their money. Worth a look if you are in need of some creative learning opportunities with your kids about money. Check it out www.daveramsey.com

 

THIS MONEY TIP IS FOR ALL YOU "SMARTPHONE" USERS!

This tip for the month is another one of those ideas that essentially saves you money based on the amount of effort you put into using it. The good news with this particular suggestion is that saving lots of after-tax dollars is as simple as tapping your Android or iPhone mobile device.

If you have an iPhone or an Android phone there is absolutely no reason for you not to download the free SavingStar app immediately. This app helps you save money on items that you are about to purchase anyway simply by selecting a digital coupon. The fact that you can do this while you actually shop makes it one of the easiest ways to save lots of money on groceries and drugstore purchases that I can think of. One caveat: you will need to register loyalty cards for the stores in which you want to save. If you have the SavingStar app and a loyalty card for a store in which you

If you are buzzing through the paper towel aisle simply tap on the eCoupon for Bounty brand paper towels, and when you get to the checkout, the amount that you saved will be added to your Saving Star account. Note that you will pay the posted price for your products; Saving Star works by reimbursing you later via Paypal, Amazon gift cards, or even a charitable donation to American Forests.

Forget about how you used to have to clip coupons. The SavingStar eCoupons will work at over 24,000 stores in the U.S., and is a terrific save money tip for 2011, for the increasing number of us who own smart phones.
 

Pack to School

It's Back to School Time! The cost of packing a lunchbox or brown bag varies depending on where you live and what you put in the lunch. Lunchbox or sack lunches in general are about the same price as school lunches. Sack lunches can be much more expensive than school lunches, and less healthy, if you include lots of packaged items. Some ways to make healthy school lunches cheaper include:
  • Create a budget for lunch each week. If your kids are shopping with you, let them help you find the best deal so they get to see math in a real life situation.
  • Sit down with the kids and ask them what sounds good in their lunches being sure to include something from every food group. Kids like having some control and often have ideas from what they see other kids pack.
  • Make as much of the lunch as possible yourself. Homemade items from scratch are usually cheaper and healthier than store bought items. Homemade cookies, muffins, trail mix, pudding and jell-o are fun Sunday family time projects and get you ready for the school week.
  • Buy the fresh fruits or vegetables that are on sale - these are usually the ones that are in season, which means they will taste best and have the most nutritional value.
  • Buying in bulk usually saves you money, but make sure you’re really getting a better deal by checking how much foods cost per ounce or per pound (some stores include this information on the price label on the shelf). Also make sure you can use all of what you buy before the expiration date.
  • Make your kids' day with a special note. You can't do that with a school bought lunch!
 

Kick off your flip-flops....it's time for a mid year financial check-up!

While it may seem like fun in the sun is calling this summer, it is a good time to do some financial planning and get all of your ducks in a row. So kick off your flip-flops and put on your accounting hat; it's time to get down to midyear financial check-up basics.

Credit Check
One of the first steps of a midyear financial checkup is to check your credit. You can check your credit each year for free, so don't get scammed into using a pay website. Annualcreditreport.com is where you can get a free annual report from each of the three major credit reporting agencies. Your credit report can help you evaluate what areas of your credit may need the most work.

Track Your Debt
Speaking of credit, you may need to check how much you owe and when it will be paid back. The debt calculator at cnn.money.com can give you insight for the next six months on your credit card payments, interest accrued and when you'll be able to pay them off. It can also help you set up a payment plan that fits your budget.

Check Your W-4
If you are an employee, calculating your withholdings correctly can determine whether your employer withholds too little or too much from your paycheck each month for taxes. Using the official IRS withholding calculator can get you headed in the right direction for when April rolls around. Don't get a surprise at the end of year...do this now!FUN AND FREE SUMMER GETAWAY FOR JUNE!
 

Wilbur Wright Festival is June 17 - 18, 2011 with gates opening at 10 am. Free tours that weekend! If you are watching your dollars and cents you are probably looking for fun and free this summer that won't cost you a lot of money in gas either!

Wilbur Wright was born on April 16, 1867, at a rural location on 750 East, the third son of Milton and Susan Koerner Wright. The birthplace is located on a five-acre parcel about two miles northeast of Millville in eastern Liberty Township, Henry County, Ind.
Relive the historic moment when the Wright brothers made aviation history, discover a life-size replica of the Wright Flyer, tour the restored birthplace home of Wilbur Wright furnished in the 1860s era and enjoy a variety of Wilbur Wright memorabilia exhibits and a 1903 Mainstreet. The museum is great for all ages, but especially for your kids! Skydivers, helicopters, and radio controlled fliers will entertain you weather permitting.

Learn more at www.wwbirthplace.org
 

MINT

If you need a better way to manage your money - you need to check out mint.com! We love several things about this Free online tool! First of all, it's been around for several years and has been recognized by ICONS like CNN Money, Wall Street Journal, ABC News, Kiplinger's, and PC Magazine. Plus it has over 4 million users. It's worth a look to see how it could benefit you.

So what is mint.com? Mint pulls all your financial accounts into one place. You create a budget, it tracks your goals and allows you to do more with your money and stay on target. You can track your progress online or stay up-to-date with emails. It really does help you achieve your goals faster because of SMART TECHNOLOGY. With mint.com I'm not waiting for my husband or I to sit down and compare where we are on budget, it does it automatically when debit card transactions hit your account. You may have to go in and adjust a few things, but a lot of the work is done for you already! Which brings me to another reason why we love mint.com, it emails us when we are nearing our budgeted amount of spending on things like fast-food, entertainment, groceries and gas! We then can make adjustments pretty quickly before the whole budget is blown for the month.
 

FRUGAL is the new BLACK!

Want to be frugal.... then learn from some of the best! America's Cheapest Family! Check out this website for great tips, sign-up for their newsletter and keep in touch with others on various blogs. Welcome to AmericasCheapestFamily.com
We built this web site to encourage everyone who visits, that living frugally isn't a stigma or a life of restrictions to be dreaded, but a lifestyle to be embraced and enjoyed.

We've posted tips from frugal friends around the world, reviews of hundreds of our favorite frugal living books, articles from loads of newspapers, magazines, radio and TV interviews, and a blog that started as a question and answer column in our state wide newspaper. There are also hundreds of articles and recipes that originally appeared in the HomeEconomiser newsletter.
We also have a section devoted to other web sites of frugal friends and companies where we've found some great deals and saved tons of money. Read our reviews and give them a try. We know that there are so many ways to save money that no one web site can contain them all.
 

What is the true cost of attending Indiana college after financial aid?

A new online calculator allows families to see the true cost of attending Indiana colleges once financial aid is taken into account.
Higher Education Commissioner Teresa Lubbers say providing a clear picture of what college really costs can help overcome the "sticker shock" that leads some students to believe they can't afford higher education.

The Indiana College Costs Estimator takes about 15 minutes to use and requires tax form data and other information. Once the information is entered, students and their parents can see the net cost of attending various schools.
The site — http://www.indianacollegecosts.com — offers a side-by-side comparison of schools and allows users to create "what if" scenarios to see how the price of college changes as financial and academic circumstances change.
 

START SAVING MONEY ON GROCERIES!

Saving money on groceries is one of the fastest ways to turn your family's budget around. Here are some things you can do to start saving on groceries right now. The key is being willing to learn your prices and learn to shop smarter. Are you ready?

1. Sign-up daily by emailing kwelch@pccu.com - FREE BOOK in the subject line now through March 4th for a drawing to
win a FREE book called Cut Your Grocery Bills In Half! Winner will be announced on March 7, 2011. What could the average family do with an extra $3,000 a year? America’s Cheapest Family shows you how to use strategies, tips, tools, and tricks in Cut Your Grocery Bill in Half, so you too can achieve huge savings year after year. It’s a fact, the Economides say, saving money on groceries is one of the quickest ways to start making a positive difference in your family’s financial future.

2. Get tons of free coupons from coupons.com

3. Register for free access to browse money saving tips at the grocery store at americascheapestfamily.com
 

Tracking Your Spending Can Lead to Changes!

Many Americans have little control over their finances. They simply spend until they run out of cash – a recipe for disaster. Instead, an accurate system of accounting for expenses is key to a healthy financial life. Here are three easy ways to track your spending to control and manage your finances:

Envelope System – This basic system is great for those with a tendency to overspend. Simply cash your paycheck and place the dollar bills in envelopes corresponding to your budget categories (such as housing, food, clothing, entertainment, etc.). Cash is removed as expenses occur.

For instance, if you budget $50 for entertainment, put $50 cash in your monthly “entertainment” envelope. As you entertain (attend movies, concerts, play sports), pay with money from this envelope. When the envelope is empty, no more spending! If you find yourself tempted to “rob” another envelope, re-evaluate your budget. Put receipts from your spending in each envelope to later analyze your spending patterns.

Ledger System – This system requires more accountability and time, but will give you better spending information. Similar to a checking account, deposit your paycheck and use a ledger or a notebook (less than $5 at an office store) to record your spending. On separate pages, write the monthly budgeted amount for each category. Expenses are subtracted and deposits are added to this figure in a continual increase and decrease to the account.

Using the above example, “$50” is written on your entertainment page. If you spend $10 at the movies, write “movies -$10”, leaving a balance of $40. Do this with each expense. Next month, write “deposit +$50” and add it to the current balance. If you have a negative number, you need to re-assess your budget – are you spending too much in this area? Can you spend less in another area to compensate? If you can’t find a solution and you’re consistently in the red on several of your accounts, consider using the envelope system.

Electronically – If you’re technologically minded and own a computer, tracking your spending electronically might just be your cup of tea. Quicken and Microsoft Money are two good financial programs that not only track your spending but also help with extras like recording your household inventory for insurance purposes. Their versatility allows you to analyze your spending in a variety of ways, even providing a “net worth” graph as an incentive for saving and reducing debt. Both programs are relatively easy to use and are inexpensive (about $30). And though you still need to record your data regularly, this method can be less time consuming than the ledger system. There is even an APP for your Ipod Touch or phone that can help you track expenses electronically and give you graph feedback from month to month.

Any of these three methods will help you track your finances and manage your money. Choose one that works best for your temperament and lifestyle, and stick with it. The payoffs will be a greater understanding of your spending patterns, freedom from worry, and ultimately the realization of your financial goals.

Source: Free Money Finance www.freemoneyfinance.com Submitted by Kim Welch, PCCU Education Director

Want more help from Kim?  Ask her about Financial Boot Camp, a one-on-one counseling for couples at the time and location convenient for you. Contact Kim at 993-3069 or email her at kwelch@pccu.com.
 

I MAKE NOTES NOW, DO YOU?

I've noticed something lately - I can't remember as much as I use to remember. First step in achieving any goal is to......write it down: There's just something about writing things down that adds power and tangibility to them. A dream is just a dream until you write it down ... then, it's a goal!

When it comes to budgeting, give every dollar a name by spending it on paper, on purpose before the month begins. And remember, the dullest pencil is sharper than the sharpest memory! Need help with setting up a budget for your family, give Kim Welch a call or send her an email. Good luck!

Source: step 1 in how to manage your money better at daveramsey.com

Article by Kim Welch.  Contact Kim Welch at 765-993-3069 or kwelch@pccu.com
 

HOG WILD! NOT THIS GIRL! WE ALL COULD LEARN SOMETHING FROM HER!

Lindsay Binegar was 14 the first time she spent any winnings from years of showing hogs. She bought a purse. The second time, at 18, she splurged. She bought a four-bedroom, two-bathroom house with a two-car garage. And she paid in cash.

"I've never heard of a teenager buying a house," said Nikki Gasbarro, spokeswoman for the Ohio Association of Realtors. "Smart girl."

The Greenfield teenager has been saving money since she was 4 years old and won $100 showing a hog.

"I didn't get the money; it went to the bank," said Binegar, now a 19-year-old freshman at Ohio University's Chillicothe branch.

And so the pattern began. She'd raise a few hogs every year on the family farm in Highland County, show them at competitions and add any winnings or sales proceeds to her savings account.

"She's pretty tight," said Lindsay's dad, Gary. "She's always been big into 4-H, and every penny she made she just banked."

That included $15,540 for showing the reserve champion and grand champion hogs at the county fair in recent years.

By the time she graduated from Greenfield McClain High School last June, she had saved more than $40,000 for college.

But her parents had a proposition: They'd pay for college if she'd live at home and commute to Ohio University's Chillicothe campus.

The idea appealed to Lindsay's thrifty, practical side but left her wondering how to invest the money she'd saved.

Her dad, who runs Binegar Auction Service, had a suggestion.

"I said, 'You should buy a house,' " Gary Binegar said.

"I was like, 'Oh, Dad, that's a lot of money,' " she said.

But in August, Lindsay bought a house when her dad was auctioning one as part of an estate sale. She paid $40,000.

After painting the inside of the two-story frame house and adding new carpeting, Lindsay rented the house to a great aunt and uncle who wanted to relocate to Greenfield.

Walter Molony, spokesman for the National Association of Realtors, said it's extremely unusual for a teenager to buy a house.

Kim Welch: I might add that today it is extremely unusual for anyone today to save enough money to buy a home. She certainly gave up things along the way, but now she has so many options. How awesome is this story!

Source: The Columbus Ohio Dispatch, by Kathy Lynn Gray May 17, 2010

Submitted by Kim Welch, Education Director for PCCU. Contact Kim Welch at 765-993-3069 or kwelch@pccu.com.
 

CREDIT CARD INTEREST

By now everyone has received a copy of their credit card statement with the new disclosure box required to tell the consumer how long it will take to pay-off their current balance if only the minimum payment is paid. YIKES!!! It's all true and the amount of interest you will pay back for the lack of planning ahead and impulse shopping is scary too!

Your best chance of paying that debt in full is to begin paying more than the required payment and a good way to get started with debt reduction is using Dave Ramsey's DEBT SNOWBALL approach. The Debt Snowball happens when you list all your debt in order of the lowest payoff balance first down to the highest payoff balance. And then with every extra money you have you apply it to the debt on the first line of the list. All the while only make minimum payments on the other accounts. As soon as the first debt is paid off you begin applying all that you were applying to the first debt onto the next debt. This approach builds momentum and excitement as you see debt being eliminated from the list pretty quickly.

If you have good credit and can qualify for a signature loan at PCCU this would be another option. Our signature loan rates are lower than the average credit card rate plus you will finance it for a fixed period of time. Payments usually aren't that much different than the minimum payment, but you will pay the loan off much sooner because more of your payment reduces the principle balance instead of going to interest!! It's worth your time and pocketbook to look into!

Submitted by Kim Welch, Education Director at PCCU.  Contact Kim Welch at 765-993-3069 or kwelch@pccu.com.
 

Indiana Heating and Cooling Incentive Program

The Indiana Heating and Cooling Incentive Program opened February 1, 2010. Please visit INEnergyefficiency.com to download rebate forms and for other important information or call (800) 573-3503.

Buy purchasing Energystar products you can save on your annual energy bill by $200 or more annually. So if you are in the market this year for a new heating or cooling unit be sure to take advantage of the INDIANA HEATING AND COOLING INCENTIVE PROGRAM. This program will last until funds run out.

Over $6 million in funds for this rebate program were approved. The rebate amount ranges from $500 - $1000 depending on the system you purchase.

Many utilities also have rebate programs of $200 - $400 for replacing your heating and cooling systems. For a list of utility incentives, visit www.dsireusa.org

Source www.in.gov 3/2/2010
 

Do you use cash value life insurance still?


If your agent recommends using cash value life insurance as a long term investment - you must realize to say NO WAY!

Keep your investments and your insurance separate. Buy TERM life insurance, which is so much cheaper than cash value life insurance and invest the difference into good mutual funds. By doing this, you have created money to invest for retirement instantly and over the long haul will create more wealth building opportunities than cash value life insurance. If you continue to pay down debt, get out of debt, and invest in your retirement and future, you will become self-insured. That means your need for life insurance decreases once your kids are grown, debt is gone and the only expenses you have are living expenses.


Make this month the time you compare all of your insurance products for cost savings!

Source: daveramsey.com frequently asked questions about life insurance 2/1/10
 

Survey: Americans Lose Track of Purchases

Many consumers fail to keep track of a substantial amount of money in any given year, according to a recent survey conducted by Visa. The results found that, on average, consumers cannot account for $21 in cash expenditures in any given week, adding up to about $1,000 per year. That number increases significantly for consumers between the ages of 18 and 24, who fail to account for about $2,500 in cash spending per year. (creditfyi.com, 1/10) Sumitted by Carma Parrish of PCCU

So what do you need to do? You must begin with an end in mind, spending all your money on paper first - that's called a budget.

Avoid convenience and impulse points like gas stations. Plan ahead and make your lunch and bring beverages with you from home. Make eating out and buying snacks out the exception instead of the rule and you will find you have on average an extra $100 a month to save, spend, or give that you couldn't remember where it went before.

 

Stop Me from Spending!

Facebook Application Helps Users Save More Money FIND IT AT: http://apps.facebook.com/stopmefromspending/

I don't know if you have a Facebook account or not, but recently a new Facebook application was launched to help the younger generation understand what is happening with the economy and on a personal level help them manage their MONEY better!

The app was created by San Francisco-based Context Optional in collaboration with Youth Radio (Youth Media International).

Stop Me from Spending! includes links to financial stories from Youth Radio — from information about investing to student loans to savings — and also a variety of other resources pointed to helping users understand the economy.

A user of the app has three different tools at their disposal: the Temptation Converter, the Goal Tracker and Tips on being financially savvy.

I'm going to give it a go and invite you to check it out too!!!!! OOOOOHHHHHH, the Tempation Converter!!!

SOURCE: INSIDE FACEBOOK ARTICLE 1/7/2010 ARTICLE BY: By Sara Inés Calderón

SUBMITTED BY KIM WELCH OF PCCU
 

Avoid these shopping mistakes for real PEACE on earth


1. Not having a budget written down. Before you make a gift list and head to the mall, set aside a reasonable amount of money for gifts. Make a commitment that you won't add $20 to the fund every week just because you saw something cute that your niece would love

2. Using credit cards. Once you have your budgeted amount of money, stay away from credit cards! You will still spend 12-18% more if you use plastic and you'll be paying it off come 2010! Doesn't paying with cash and going on about your day sound more relaxing than having a credit card balance looming over your head all next year and beyond? You betcha.

3. Buying for everyone. Do you really need to buy gifts for every family member and friend you have? That can get overwhelming and expensive for everyone. Talk with them about this and work toward an agreement to draw names for gifts or donate money to a common cause.

4. Not having a thought-out list on paper. If you think you can spend time in "Christmas retail world" and not get distracted by all the shiny toys, you're in for a big surprise! You'll be more likely to buy impulsively if you do it that way. Write down what each person you're buying for would like and the amount you budgeted to spend and stick to the list. Stay focused!

5. Not shopping around. "Shopping around" doesn't mean you have to spend 24 extra hours running from store to store to save 10 cents. Take a look at your gift list and do some comparative price-checking online before you head out into the retail and traffic madness. This will save you money, time, and stress!

Source: www.daveramsey.com Top 10 Christmas Shopping Mistakes

Submitted by: Kim Welch, Education Director

IF YOU HAVE INTERNET SERVICE THEN YOU SHOULD TRY MAGICJACK!!!

FREE long distance calls anywhere! Purchase the magicJack for less than $40 and pay a small annual fee. This could save you SO MUCH MONEY on phone expenses each year. My family spends about $400 a year to have a land line phone in our house. By purchasing the magicJack for $40 and paying less than $20 a year for the service we will be able to cut our phone expense to $60 A YEAR!!

CLICK ON THIS LINK TO GO DIRECTLY TO THE WEBSITE TO DO A FREE 30 DAY TRIAL: http://www.magicjack.com/1/index.asp

Source is www.magicjack.com/1/index.asp Submitted by Melissa Soper, Loan Officer at PCCU
 

EVERYONE can build wealth with the The Latte Factor® Challenge

The Latte Factor® is based on the simple idea that all you need to do to finish rich is to look at the small things you spend your money on every day and see whether you could redirect that spending to yourself. Putting aside as little as a few dollars a day for your future rather than spending it on little purchases such as lattes, fancy coffees, bottled water, fast food, cigarettes, magazines and so on, can really make a difference between accumulating wealth and living paycheck to paycheck.

We don't even realize how much we're actually spending on these little purchases. If we did think about it and change our habits just a little, we could actually change our destiny.

Still not convinced? Consider this:

$5 per day (the average cost of a latte and a muffin) x 7 days = $35 per week

$35/week = $140/month

$140 per month invested at a rate of 10% annual return =

1 year = $1,885
2 years = $3,967
5 years =$11,616
10 years = $30,727
15 years = $62,171
30 years = $339,073
40 years = $948,611


Take action today!

Source: http://www.finishrich.com/free_resources/fr_lattefactor.php

Submitted by Melissa Soper Loan Officer at PCCU

Posted October 5, 2009

If you have tips you would like to see posted email Kim Welch today!
 

Easy and Delicious ways to save money on DINNER!

E-mealz will simplify your life, save time & money!

When you subscribe to E-mealz, each week you are able to download meal plans based off the current sale ad from the grocery store you choose. It's an idea we all know is a good one, but we don't make time to do it. E-mealz takes the time and it costs just $5 a month!! I'd pay $5 a month for someone to do that job for me!! The meal plan includes the recipe, the ingredients, shopping list and approx cost to make. Planning the meals for the week will cut out the need to eat out and save you lots of money.

Meal Plan Options Are Diet Specific · or from Current Grocery Sales
Point-System,Low-Carb and Vegetarian Meal Plans
Couples-Only Meal Plans
Kroger, Wal-Mart and ALDI Meal Plans
Any-Store Meal Plans
Source: http://e-mealz.com/index.shtml Posted by Kim Welch, PCCU Education Director.  Email Kim at kwelch@pccu.com.
 

 


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For more information call Zach at 1-800-582-7228 Ext. 229;
or email him at zwhite@pccu.com.
Serious inquiries only please!

     

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