SIU Credit Union Blog

Save Money With Military Discounts

More than 200 stores and services around the country try to make the lives of active, reserve, and retired service members and their families easier by offering discounts.

Many restaurants offer savings, but they usually depend on location and individual restaurant participation. At Applebee’s or Texas Roadhouse, you can save 10% on your meal purchase.

Clothing stores like Ann Taylor, Aeropostale, Footlocker, Nike, and Banana Republic offer 10% to 20% off full-priced items. Other stores offer markdowns on specific days of the month. At Kohl’s, you can receive 15% savings on any purchase. Lowe’s and Home Depot both provide 10% off your purchase.

If you travel with Amtrak, you can receive 10% off train tickets for you and your family. Some companies, such as Budget Rental Cars or Alamo, offer up to 25% off car rentals. Airlines like American Airlines offer discounted airfares and reduced minimum stay requirements. Various hotels also provide discounts depending on rates based on variable daily limits (allowable per diem), location, and availability.

Continue reading

Share on FacebookTweet about this on TwitterShare on Google+Email this to someonePrint this page

Prevent Identity Theft When Traveling

identity theift

As you make your travel plans, plan how you’ll keep your personal information safe. When you’re away from home, distractions become opportunities for thieves who are looking for ways to steal your identity. Don’t let them ruin your vacation.

These simple steps can save you hours of frustration and hundreds of dollars or more. Before you go:

• Have your mail collected or held at the post office.
• Don’t blog, tweet, or post your travel plans on social networking sites.
• Decide which credit cards you’ll take (as few as possible) and how you’ll stash a backup in case one is lost, stolen, or canceled.
• Make a list of important phone numbers, including SIU Credit Union and other credit card issuers, and let them know you will be traveling.
• At home, make sure your financial documents aren’t sitting in plain view.

Continue reading

Share on FacebookTweet about this on TwitterShare on Google+Email this to someonePrint this page

Good Debt vs. Bad Debt

good-bad-debt

I know what you may be thinking. There is no such thing as GOOD debt. Just let me explain.

 
Good debt are debts that are also considered an investment. These debts also have a lover interest rate. Good debts are student loans, mortgages, and business loans.

Bad debt are debts that can prevented with smart use on money. They also have a higher interest rates. Examples of bad debt are consumer loans, credit card debt, and car loans.

Continue reading

Share on FacebookTweet about this on TwitterShare on Google+Email this to someonePrint this page

Cut Holiday Expenses, No Scrooge Required

Blog-presents
There are plenty of ways to have fun, create lasting memories, and avoid the “Bah, humbug!” approach to the coming holiday season, despite the economic downturn and strain on family budgets.

 Consider making a few changes this year that are kinder to your budget and that free up valuable time for family and fun:

* Draw names. Establish a new tradition of limiting the number of people for whom you purchase gifts, as well as the dollar amount spent on each gift. Chances are, other family members are in the same financial boat. But don’t wait until mid-December to bring up the subject–the earlier, the better, before anyone starts shopping. This approach also works well among groups of friends who in previous years purchased gifts for each other’s young children.

Continue reading

Share on FacebookTweet about this on TwitterShare on Google+Email this to someonePrint this page

Shop at Home for the Holidays

Does the thought of making your way through crowded malls and shopping at 20 different stores only to wait in long check-out lines have you feeling like the Grinch?

86807286

Shopping online during the holiday season can save time and minimize stress, but know a few simple rules before you dive into the world of online purchasing.

1. Only buy from familiar companies. Confirm the seller’s contact information in case you have questions or problems in the future. Know exactly what you’re buying. Carefully read the product description. Remember–if it seems too good to be true, it probably is.

2. Protect your privacy. Read and understand the company’s online privacy policy and keep any personal information, passwords, or PINs (personal identification numbers) private. Look for these signals indicating that you have entered a secure Web page: Continue reading

Share on FacebookTweet about this on TwitterShare on Google+Email this to someonePrint this page

Holiday Date Ideas in Southern Illinois

dates


Are you guilty of neglecting date nights? If you have children, it is important that you and your partner have that time alone together, but children can most certainly be involved in some of these date night ideas! Spend little to no money on these dates and still have a great time.

  Frugal Date Ideas

Christmas Lights –  You can enjoy shows, or just go out on your own and explore. Southernmost Illinois Tourism Bureau is a great place to find a list of events in your area. The local newspapers also do a good job at advertising the local events.

Continue reading

Share on FacebookTweet about this on TwitterShare on Google+Email this to someonePrint this page
« Older posts

Copyright © 2014 SIU Credit Union Blog

Theme by Anders NorenUp ↑

SEO Powered by Platinum SEO from Techblissonline