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Financially Fit

What is a "Good" Credit Score?

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From the news, to financial applications, and even from friends and family—we all have heard about the importance of a good credit score, but what makes a credit score “good” and what can you do to obtain and preserve a good score?

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Toss These Household Items With Your Spring Cleaning!

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It’s spring cleaning time again which for many means sorting through the nooks and crannies of your house, looking for items you forgot you even owned, and hauling it all away normally just to make room for new stuff (we aren’t judge, we do it too!), but what about replacing some items you use everyday day that are a harbor for bacteria? We made a list of some items that you might want to get rid of and start fresh this season. Be warned, you will probably want to go home and bleach everything after you read this!

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What’s the Difference Between Running my Debit Card as Credit or Debit?

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When you go to run your CES Credit Union VISA® debit card at the checkout, you will often have the choice to run that transaction as “debit” or as “credit” leading you to ask the question, “What’s the difference?”

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The Best Value-Boosting Home Improvements

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Let’s begin by getting one thing straight, not all upgrades are equal. Some improvements will not raise the value/ resale price of your home as much as you would hope. Another way to put it is just because you make an improvement, it does not mean you will get your money back. Resale is about making your home attractive to a wide variety of people therefore you should focus on the improvements that are most desirable by the majority of home buyers. Here is a list of some cost effective improvements that will help you reach your home value goals!

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Building Better Credit Habits

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U.S. consumers are once again increasing their collective credit card debt, which now exceeds $1 trillion.

The Credit Card Accountability, Responsibility and Disclosure (CARD) Act protections, which went into effect in February 2009, require card issuers to disclose rates and other information more clearly. This should make it easier for consumers to monitor what they owe. But, regulations can't prevent people from making poor debt management habits.

Here's some advice for controlling credit card use:

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The RAIN Method for Buying a Car

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The new year is right around the corner, which means this is the perfect time to be shopping for that “new year, new car” upgrade you have been waiting for. Whether you're looking for a brand new car or a reliable used ride, you want to get the most for your money. The process can be made easier by following the RAIN method: Research, Ask, Investigate, and Negotiate.

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Emergency Fund—Start Small, Think Big

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Many people wonder how they can build an emergency fund when they’re trying to pay off their debts. It isn't as hard as you might think. The strategy is to start small, change a few habits, and change your mind set.

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Getting Out of Debt as a Couple

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Debt your partner has can be a cause for concern. When it comes to love and money, of course you and your significant other love each other. It’s also critically important to know where the other person stands financially. Debts brought into the relationship could affect your financial well-being and ability to reach milestone goals in your life together. Here are some tips on getting out of debt as a couple:

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Preparing Financially for a Family

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Anticipating the birth of your first baby is at once exciting and intimidating. Along with the countless joys this new little person brings comes the insistence that you plan your family’s financial future wisely. Still, rather than be daunted by the facts – according to recent estimates, raising a child from birth to age 18 costs on average about $230,000 – it’s best to start at the beginning with a reasonable budget, thoughtful planning and a long-term dedication to savings.

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10 Tips for Back-to-School Shopping

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This month’s blog comes from the Ohio Attorney General’s Office who discuss vital back-to-school shopping mistakes that could cost you big time.

With the new school year just around the corner, we’re providing tips for the fall shopping season, including knowing when rain checks may apply, when “free” offers may cost you, and ways to avoid scams.

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