As the holidays approach, gift cards remain a popular gift option, but they’re also a target for scammers. These fraudsters use tactics like phishing and tampering with physical gift cards to steal funds before they can be used. To protect yourself and your loved ones this season, it’s important to stay aware of these risks.
Having a well-stocked emergency fund is important. But so is saving for retirement. So how do you know which one to focus on? Well, we’ve got you covered. Here’s what you should know.
Halloween is a time for spooky fun, but it can also bring a scare to your wallet if you're not careful. From costumes to decorations and treats, the costs can add up quickly. Here’s how to manage your Halloween budget and keep your spending under control while still enjoying the festivities.
Now is the moment to turn your attention to your tax obligations. With less than 60 days remaining until the tax deadline now is a good time to prepare your documents and file.
Need a smart strategy to save on essential school supplies? Planning your dream vacation or gearing up for the holiday season? With a club account, you can save for essential school supplies, exciting vacations, and joyful holiday celebrations, making your financial goals more attainable and stress-free.
How to save money on your cell phone bill
We spend a lot of time on our cell phones, so it’s no surprise that phone bills can be quite expensive. Companies know we like our phones so they’re ready and willing to make them costly to use. Thankfully, there are some ways to save on your next (and future) phone bills.
Don’t Upgrade
It’s always nice to get a new phone, but you almost never need one. If you’re enrolled in an auto-upgrade plan, opt out. Phones can last for several years before showing signs of degrading. You should only get a new phone when you absolutely need one.
Auto Pay
Most cell companies will give you a discount if you opt into auto-pay. These discounts can range from $5 to $15 per month, so if you have multiple accounts, it’s easy to see those savings add up.
Ask About Deals
Many times, the easiest way to lower your bills is to simply ask to have it lowered. Companies have deals and discounts that you probably don’t even know about. Go ahead and call your carrier and ask about available deals. You’ll likely be surprised to find there are a few.
Use WiFi
Unless you have an unlimited data plan, try to connect to WiFi as often as possible. Why? Because data charges add up quite quickly. And speaking of unlimited data plans, make sure you actually need it. Look into your monthly usage and see if you can downgrade to a monthly data cap. It’s almost always cheaper.
Need help managing your finances? MVCU has partnered with GreenPath Financial Wellness to offer members free financial counseling, debt management, and other financial services.