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Financially Fit

Let's All Cooperate

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Credit unions are not-for-profit financial service cooperatives, owned and controlled by their members, and operating in a democratic way. What difference does that make?

Co-ops are businesses, in many ways like any other business. But a cooperative operates solely for the members' benefit. All co-op businesses run in accordance with seven basic principles, many of which have been part of the co-op philosophy from their beginnings more than 150 years ago.

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Six Rules for Managing Credit Card Debt

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If you want to be the master of your credit card debt load, follow these key rules:

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Your Life Goals, Are Our Life Goals

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If there's ever a time that "millennials" need cooperatives, it's now.

The last ten years have been quite transformational for this generation of young adults. Younger millennials just graduating college likely saw their parents lose jobs, benefits and pensions while bank executives lost nothing. According to a study by Filene Research Institute, millennials make about as much (rather, as little) as previous generations, but factor in the average student loan debt of $27,000 and that take home pay is quickly eaten up.

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One for the Money: Financing Your First Car

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Are you thinking about how you're going to pay for your first car? You could get it:

* As a gift or hand-me-down within your family
* With cash you earned from your job
* With an interest-free loan from your parents

But what if none of these options are open to you? You could get a loan. Here's how:

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5 Things to Consider When Moving Out on Your Own

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Graduating college is a huge milestone, but moving out on your own, away from dorms and comfortable college-town apartments can be an even bigger step.

If you've recently graduated, here are five things to consider before making the big move.

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What You Should Know About Bankruptcy

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Nationally, 794,960 people filed for bankruptcy in 2016. Those filings cost financial institutions millions of dollars. Those losses require affected credit unions to charge more for loans and pay less on savings for other members. And money isn't bankruptcy's only casualty.

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Drive Off the Lot with Credit Union Financing

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Did you know you can get credit union financing--right at the car dealership?

The process is designed so credit union members benefit several ways.

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Get Wealthy, Not Rich: Change How You Think About Money

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How do you define wealth? The dictionary says wealth is “a large amount of money and possessions." But I propose the following, straight-forward definition: wealth is the difference between what you are earning and what you are spending.

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How You Benefit by Choosing a Credit Union

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Financial institutions can appear to be alike from the outside, but once you look inside, you remember the reasons you chose (or are about to choose) to become a member of CES Credit Union:

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How To Build Credit Without Credit Cards

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It's a frustrating contradiction: You can't qualify for credit without a credit history—and you can't build a credit history without borrowing.

Borrowing is the most common way to build a credit history, but it's not your only option. Use these tactics to demonstrate to borrowers that you're a reliable credit risk:

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