SIU Credit Union Blog

Practical Ways to Save Money

When you’re on a mission to save money it might seem it will take forever for savings to grow. Saving money often starts with changing “spending” habits. Once you identify your savings goal or goals, here are some ideas that can help.

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Get cooperation from family—Controlling spending starts with you but, if you have a spouse or children, it’s essential to have buy-in from family members to make it work. Talk with your partner first, then involve your kids.

Discuss money management as a couple—Get organized, put goals and details in writing, and schedule a money management meeting. Also: Continue reading

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Somethin’ ‘Bout a Truck: Picking the Right Pickup

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If you farm or are in the construction or mining industry, you need the hauling capacity of a pickup, but you may want a pickup for personal use as well.

If you’re in the market for a pickup truck, but want to make sure you get one with the best possible gas mileage that fits your needs, consider the three best-selling choices in the U.S. market. Here’s what magazine and website reviewers have to say about their comparative pros and cons:

Ford F-150

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Pitfalls for the Online Job Hunter

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Today’s economy, so unrewarding for job hunters, is a boon to con artists. They have a larger and more desperate pool of potential victims than they have had in 20 years.

The Internet, awash with electronic résumés, is prime hunting ground for many job cons. Most employment services are reputable, and the Web can be a useful job search tool. But it pays to know the good guys from the bad guys and how to protect yourself from job scams, especially those online.

The worst crime employment or personnel agencies might commit is to entice you to their office with an ad for a promising but nonexistent job. Other businesses make grand promises–access to “unadvertised job opportunities” and jobs with six-figure salaries. But watch out! The bigger the bait, the higher the cost of the deception.

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How You Drive = What You Spend on Gas

Unless you can afford to buy a less-thirsty car, you only need to look into the mirror to see your best option for improving gas mileage: you, and your driving habits. A recent series of road tests by fueleconomy.gov shows how dramatically changing your habits can improve gas mileage—especially in highway travel. Gas mileage gains from slowing down and driving less aggressively ranged from 5% to 33%, depending on how much driving style was changed.

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Whatever your driving habits are now, here are some tips to save on gas: Continue reading

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Fast Food: Worth Your Money?

Fast food is quick and easy in our busy lives but eating healthy is crucial to staying healthy—and can save you some cash.

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When you cook at home instead of going out for fast food, you control everything that goes into your meals. You don’t have to worry about how much salt or sugar the cook added. You already know.

Also, home-cooked meals are less greasy than fast food ones. The extra grease in the fast food is bad for your heart and can lead to slow killers like obesity and heart disease.

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Avoid the Financial Pitfalls of Living Together

You’re moving in together. That’s great. But listen up, because taking the romantic approach might cost you a bunch of money and headaches down the road.

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These rules will help keep you on track:

Speak frankly and openly.
Make sure you and your partner have the same outlook on your relationship. Are you hoping to get married? Or are you moving in together to save money on rent? Ask before you assume.

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