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5 Things to do this January

January is when goals run rampant and we are saturated with resolutions to do better this year. As a financial institution, it’s our priority to help you make the most out of your money. Which is why we’ve resolved to assist you in becoming Financially Fit this year!
Follow our yellow brick road for financial success with 5 things to do this month:
1. Establish Your Goals
What do you want to accomplish this year? This question may be daunting since most resolutions barely make it to February. But challenge yourself to write them down. Making a list will give you something tangible to work on and it doesn’t hurt to post it somewhere you’ll see every day. You may have to adjust your budget to accommodate these goals >> See 9 Commonly Forgotten January Expenses (and how to plan for them)
2. Create a Budget
Now that you have set up some goals for the year, take some time to analyze your earnings and expenses. This will help you map out how to achieve them. Honestly evaluate where your money is going and how much debt you have. How can you reach your end game with what you have? Our free account aggregate program Trends let’s you create goals and adjust them to your lifestyle as well as:

  • Build a budget in minutes and automatically track spending for each category
  • Get customized spending alerts when you are approaching the spending limits in budget categories
  • Categorize transactions automatically to keep your budget up to date

3. Consolidate Debt
Make this the year you tackle your debt head-on! Whether the holidays were unkind to your credit cards or you’ve been struggling to get ahead for a while, get back on track with tailored debt solutions from your credit union. We’re committed to helping good people through difficult times. Restructure your debt today.
4. Shop Insurance Rates
Decisions about your health insurance are some of the most important ones you can make. That’s why it’s important to view and compare agency plans every once in awhile. Find out if being a member of a credit union can save you money on insurance through TruStage and get a quote today. Open enrollment continues until January 31.
5. Take Back Your Health
You can bet most resolutions involve money or fitness in one form or another. Whether you want to lose weight or get healthy, don’t hurt your budget trying to reach your goals. Start with clear-cut objectives like drink more water or pack healthy lunches for work.
At the credit union, we’ve started a daily routine called “five minute fitness” where we challenge our employees to complete a circuit of exercises. Check out Credit Analyst, Barbara D’s mini-session below:
This routine is simple and short enough that you can fit it in during your coffee break!