Surviving the Holidays With Your Sanity Intact

The holiday season is a special time. With Charlie Brown on TV and carols on the radio, and an ever-growing list of people to shop for, it’s easy to get carried away.  The pressure to over-shop and overspend when you’re rushing to buy everything on your list can be overwhelming. No worries, though; we’ve got…

The 20% Down Myth

If you’re desperate to own a home of your own, you are likely saving up until you have 20% of your dream home’s total value. All that’s great, but the fact is you don’t need to put down 20%. The 20% myth is leftover from the era after the housing crisis, when many lenders tightened…

How Can I Shop Safely on Black Friday?

Q: I’m an incurable bargain hunter and I thrive on finding incredible deals. I’m really looking forward to Black Friday, but I worry about the risks. From the possibility of being trampled or getting into a fistfight with a fellow shopper, to the chance that my shopping bags will be stolen or that my credit…

7 Ways to Save on Thanksgiving Costs this Month

Thanksgiving means giving thanks for all the good in our lives. It also means stuffed turkey and gravy, cranberry pie and mashed potatoes. It’s a time-honored tradition of spending time enjoying a delectable holiday meal while in the company of those we love. It can also mean spending an awful lot of money. According to…

7 Common Life Insurance Myths Debunked

Having sufficient life insurance is important. And yet, so many of us buy into popular misconceptions, convincing ourselves we don’t need to bother purchasing a policy. But don’t be fooled. Read on to see how seven of the most widespread life insurance myths are easily debunked. Myth #1: I’m single and I have no dependents….

Can Living Frugally Make You Happier Than When Living Lavishly?

Do you believe money is the key to happiness? Somewhere deep inside, we all know that money cannot buy happiness. Many people overspend and rack up thousands of dollars in credit card debt to live a lifestyle they believe will make them happy, only to discover they are living beyond their means. This, in turn,…

Dealing with a Financial Setback

Financial setbacks come in all shapes and sizes. It can be an expensive household repair or major car trouble. It may be increases in your insurance plus a rent hike taking effect at the same time. Or, it can be something more extreme, like getting a pay cut at work- or even being given a…

Why Do I Need to Get Preapproved for a Loan?

Q: I’m in the market for a new home, and everyone I talk to, from friends to financial advisors, suggests I get preapproved for a mortgage before I start house hunting. Why is this so important? A: You’re actually on the receiving end of great advice. When looking to take out a large loan, whether…

Should Couples Combine Their Finances?

To consolidate or not: that is the question. Some couples elect to consolidate their personal finances, while others largely keep their financial lives separate. What choice might suit your household? The first question is: how do you and your partner view money matters? If you feel it will be best to handle your bills and plan…

What’s the Best Way to Finance a Home Renovation?

Q: I’m doing some home renovations this summer and I’m not sure how to finance this expense. There are so many loan options, but which one makes the most sense? A: Whether you’re gutting your entire kitchen or turning your basement into a home theater, we’ve got you covered! As an Oregonians Credit Union member, you have…