Budgetiguan

Financial expert cautions against excessive holiday spending By Makeida Antonio [email protected] During a season saturated with shopping and festivities, one consultant has urged against putting a significant dent in one’s wallet before…

TUESDAY TIP

Here is a great tip! You will have so much more time on your hands just by utilizing our Online Access to pay your bills.

To get started, download the Online Access application form from our Home Page at www.sjccu.com, complete it, and return to either of our two locations for processing.

With our Online Access bill payment platform you will be able to pay your bills and premiums with our many partners: No need to stand in line. All your essential bills can be paid on time, online.

Card Safety Tip: Go Paperless. Consider using our E-Statement services on the ACB Caribbean Smart App or our website. Printed Statements increases the chances of your sensitive information getting into the wrong hands. Have you started to use E-Statements yet?

Budgeting Tip: Start an Emergency Fund: Now that you have identified all of your expenses, it's time to start putting a portion of your earnings away for a rainy day. A great place to start, is by saving enough to cover at least 3 to 6 months of your realistic living expenses. Set manageable goals each month, stick to them and you'll have your emergency fund saved up in no time!

Card Safety Tip: Disable Autofill. Though it's a bit inconvenient to manually enter your card number and CVV pin each and every time, having these details saved by your web browser makes you vulnerable. If you must, use a trusted network.

Budgeting Tip: Evaluate your Spending. So, you have created a budget and have began saving towards your emergency fund. Now it's time to look at those figures and make comparisons of your planned spending and what you have actually spent. Making adjustments in order to stick to your financial goals are completely normal.

Financial Monday tips

Financial Wednesday tip

CFCCU Financial Series