Creative Ways to Save on Energy Costs

We’ve all heard it before: Close the vents in rooms you don’t use, regularly replace your AC filters and vacuum the coils on your fridge. But what if you’re following all the conventional energy-saving tips and your summertime electricity bill is still astronomical? Here’s where we come in! You know how much we at Oregonians…

What the Palessi Experiment Means for Shoppers

Payless ShoeSource pulled the ultimate stunt on shopping influencers and their followers last month—and the results still rankle.

The prank was part of a viral advertising campaign dreamed up by marketing company DCX Growth Accelerator. The goal of the gimmick was to reclaim the bargain brand’s vanishing place in the world of affordable fashion, but the event’s wild success is a hard wakeup call for shoppers everywhere.

Steer Clear of 2019 Tax Scams

Each year, the IRS publishes the “Dirty Dozen,” a list of 12 scams that are rampant during that year’s tax season.

This year, the IRS is cautioning taxpayers to be extra vigilant because of a 60% increase in email phishing scams over the past year. This is particularly disheartening, since it comes on the heels of a steady decline in phishing scams over the previous three years.

Feeling Stuck in Your Car Loan? Might Be Time to Shop Around!

Bills are a lot like bad weather. They’re going to come anyway, so you might as well not try to fix them, right? For some bills, that’s the case. For others, though, you can make a big difference in your monthly budget with a little legwork. One of the bills you can change is your…

Combating the Financial Mistakes of Our 20’s and 30’s

People starting out in their careers often focus on the here and now while ignoring the future when it comes to finances. As you climb the ladder of success, you tend to think that the raises and promotions will endlessly continue. It can seem like you have forever to plan for the future. As millions…

The Brain/Money Connection

We know that stress can affect our health in many ways, sometimes causing heart disease, obesity, asthma and diabetes. But did you know the brain is also physically impacted by stress? Neuroscientists at the University of California, Berkeley, have found that chronic stress triggers long-term changes in brain structure and function. Neuroeconomics, a fascinating sub-specialty…

How Many Credit Cards Should I Own?

The importance of maintaining a good credit score is old news. As you likely know, the higher your score, the more attractive you will be to potential lenders, making larger loans and the best interest rates more accessible. Hopefully, you’re working hard at keeping that score high by using your cards and paying your bills…

Should I Refinance Before I Retire?

Q: I’m in my mid-50s and I’m preparing to retire sometime down the line. I’m wondering if I should refinance my mortgage as part of my retirement planning. Is that a good idea? A: Refinancing your existing mortgage can have a large impact on your financial health, for better or for worse. Be sure to consider all…

FAQs About Share Secured Loans

As a member of Oregonians Credit Union, you already know we’re here to help you manage your money and let it grow in the best ways possible. That typically involves wisely using only the products and services best suited to your needs and goals. One of our most convenient products is share secured loans. If…

Financial Tips for Single Parents

Smart money management is always important, but it can take on more urgency for those who are without a partner. Whether you’re divorced, widowed, or single by choice, single parenting brings unique budgeting challenges. Marilyn Timbers, a Connecticut-based financial advisor, says of having to raise a child on one income: “Children are a joy, but…